The Corridor DFW: Seller Edition Winter 2020 by The Cannon Team

Winter Your Healthy HOLIDAY TIPS

STAGING DO’S AND DON’TS A Holiday Treat from

THE BAKER’S RACK

‘TIS THE SEASON TO FIND YOUR DREAM HOME!!!

RESORT INSPIRED LIVING COMES TO FRISCO WITH THE CORVALLA AT STONEBRIAR 1 FEBRUARY 2019 cannonteamhomes.com

Refresh the Heart of Your Home Call 972.430.2697 or visit HuntingtonRemodeling.com to schedule your complimentary consultation.

DFW

THE CORRIDOR WELCOME winter 2019

Happy Holidays and Season’s Greetings from The Corridor DFW and The Christie Cannon Team! This time of the year fills us with a sense of generosity, thankfulness, and reflection, and we couldn’t be more thankful for our vendors, partners, and communities that make this magazine possible. We’d like to send a special “Thank you” to everyone at The Corvalla Condos at Stonebriar for their partnership and hospitality throughout their feature process. This is such a fantastic group of people sharing a truly incredible product. This edition of The Corridor DFW also features holiday staging tips, a real estate app above all others, and a pumpkin crumb cake recipe so good that you’ll be making it for years to come. We thank our very own Cannon Team Brand Manager, Jesse Baker, with his new feature entitled, “The Baker’s Rack” for that one. Are you looking to stay healthy during a season of overindulgence? We proudly present another new contributor, Jenny Dean, a prominent local fitness coach and health advocate who is here to keep us on track this season with her motivation and guidance for healthy living. As with all our magazines, we love the opportunity to provide extra value to our clients while getting their homes sold or while helping them shop for a new one. Therefore, this magazine showcases some incredible homes for sale! We’ve organized this segment by price, starting with inventory in the $200s, leading all the way up to luxury, million-dollar homes. There is a dream home for everyone inside this issue! Lastly, I want to send a big thanks to the team that makes this publication possible. It has been an incredible year growing and developing this magazine that was only an idea a little over a year ago. Jenna Lee (congrats on the twins!), Maddie, Melissa, Christie, Kevin, and all at The Cannon Team, as well as those at Belo Media Group, thank you. Enjoy your holiday season!

EDITOR-IN-CHIEF/BUSINESS DEVELOPMENT

Erik Neff

CONTRIBUTING WRITERS

Melissa Abati Erik Neff Jesse Baker Jenny Dean

IN-HOUSE PHOTOGRAPHY

Maddie Vickers

COPY EDITOR/PHOTO STAGING

Melissa Abati

LAYOUT/DESIGN

Don’t forget to like the Corridor DFW’s Facebook and Instagram pages! : @thecorridorDFW Thank you,

Tamara Romčević *Cover photo Maddie Vickers *Back Cover photo www.freepik.com

Erik Neff Editor-In-Chief/ Business Development erik@christiecannon.com

The Christie Cannon Team Keller Williams Realty

Winter

2019

The Corvalla at Stonebriar

4. EDITOR’S DESK

Contents

7. HOMES FROM THE $200’S 9. HOMES FROM THE $300’S 15. HOMES FROM THE $400’S 17. HOMES FROM THE $500’S

22. FEATURED COMMUNITY: THE CORVALLA AT STONEBRIAR

www. 3003crossing.com

26. LUXURY LISTINGS 36. LUXURY SPOTLIGHT 39. BAKER’S RACK 40. AVAILABLE LAND LISTINGS

42. HOLIDAY STAGING TIPS 43. WELLNESS: STAYING ON TRACK Due to the nature of the real estate market, the status of homes for sale and price are subject to change.

FOR MORE INFORMATION ON ADVERTISING AND FUTURE PUBLICATIONS, PLEASE CONTACT ADVERTISING @CHRISTIECANNON.COM

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From $200's 2901 Santa Fe Trail www.2901santafetrail.com Ft. Worth, TX

10001 Bridgewater www.10001Bridgewater.com McKinney, TX

2100 Oleander Way www.2100oleander.com McKinney, TX

2801 Vail Dr. www.2801Vail.com McKinney, TX

To see these available homes for sale and more visit us at cannonteamhomes.com or call 469-951-9588 921 Niles Ct. www.921Niles.com Prosper, TX

516 Hummingbird www.516Hummingbird.com Little Elm, TX

1737 Sheffield www.1737Sheffield.com Garland, TX

602 CR 642 www.602CR642.com Josephine, TX

1811 Valencia www.1811Valencia.com Allen, TX

1024 Summit Ridge www.1024Summitridge.com Murchison, TX

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6841 Fryer Street, www.6841fryer.com The Colony, TX Lewisville ISD Spacious living & formal dining feature handsome wood-look tile floors with wood burning brick fireplace. Study or 3rd bedroom with french doors add that additional living space. Light & bright kitchen features SS appliances, crisp white cabs, granite tile counters and tile backsplash! Spacious master suite boasts granite counters w-additional vanity with sink and framed mirror. Good sized secondary bedroom & bath with granite counters. Modern colors with newer fixtures & lighting throughout. Relax outdoors on open patio with plenty of room for pets or play and BOB fence for privacy. Newer windows, vaulted ceilings & custom fan. Excellent location near Hwy 121, area schools,parks & playground!

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Fr om 's 00 $2

1337 Kesser Drive, www.1337kesser.com Plano, TX Plano ISD Beautiful wood floors flow from entry into Formal Living, Dining and Family room. Enjoy wet-bar and custom built-ins along with grand brick fireplace. Light and bright kitchen is updated and boasts granite counters, crisp white cabinets, SS appliances & stone back splash. Cute cute breakfast nook with bay window and built in butler-hutch. Master Suite features large granite vanity w- his & her sinks. Good Sized secondary bedrooms & spacious guest bath with granite with dual sinks. Large backyard with over-sized patio affords plenty of room for pool, play or pets. No HOA!!

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4 Reasons to Sell This Winter Below are four compelling reasons to list your house this winter. 1. Demand Is Strong The latest Buyer Traffic Report from the National Association of Realtors (NAR) shows that buyer demand remains strong throughout the vast majority of the country. Buyers are ready, willing, and able to purchase, and are in the market right now. More often than not, in many areas of the country, multiple buyers are competing with each other to buy the same home. Take advantage of the buyer activity currently in the market. 2. There Is Less Competition Now Inventory is still under the 6-month supply needed for a normal housing market. This means in the majority of the country, there are not enough homes for sale to satisfy the number of interested buyers. Historically, a homeowner would stay an average of six years in his or her home. Since 2011, that number has hovered between nine and ten years. There is a pent-up desire for many homeowners to move since they were unable to sell over the last few years due to negative equity situations. As home values continue to appreciate and homeowner equity grows, more and more homeowners will be given the freedom to move. Many homeowners were reluctant to list their homes over the last couple of years, for fear they would not find a home to move into. That's all changing now as more homes come to market at the higher end. The choices buyers have will continue to increase with new construction, too. Donâ&#x20AC;&#x2122;t wait until additional inventory comes to market this spring.

3. Buyers Are Serious At This Time of Year Traditionally, homeowners think about spring as a great time to list their homes, when more buyer traffic may be out there actively searching. In the winter, however, the buyers who are seeking a home – whether for relocation purposes or otherwise – are serious ones. They’re ready to make offers and they’re eager to move, often quickly. Your house may be exactly what they’re looking for, so listing now while other potential sellers are holding off may be your best opportunity to shine. 4. There May Never Be a Better Time to Move Up If your next move will be into the premium or luxury market, now is a great time to move up. There is currently ample inventory for sale at higher price ranges. This means if you're planning on selling a starter or trade-up home and moving into your dream home, you’ll be able to do that now. Demand for your entry-level or middle-tier home is high, and inventory in the luxury or premium market is too. According to CoreLogic, prices are projected to appreciate by 5.6% over the next year. If you’re moving to a higher-priced home, it will wind up costing you more in raw dollars (both in down payment and in your mortgage) if you wait. Bottom Line Selling your house and moving up sooner rather than later could lead to substantial savings and may end up being your best option in the current market.

From $300's

2217 Olivia Ln. I Little Elm I TX www.2217Olivia.com Frisco ISD

2902 Pioneer Dr. I Melissa I TX www.2902pioneer.com Melissa ISD

857 Countryside Way I Aubrey I TX www.857countryside.com Denton ISD

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145 CR 1944, www.145CR1944.com Yantis, TX Rains ISD Rare opportunity with additional 13 acres available. Nearby hunting, multiple Golf ranges & Lake Fork marina with private boat ramps & the best Bass fishing in the State! Newly built Barndominium style home nestled on 1.58 acres. This 4 bedroom, 2.5 bath home boasts light filled rooms, extensive custom touches. Open living features vaulted ceiling w-wood beam all anchored by Stone gas fireplace. Chef's kitchen with large seating island, Knotty Alder custom cabinets, tile backsplash, granite counters & high end appliances including refrigerator. Gorgeous spa-like master & guest bath w- custom distressed barn style cabinets & dual sinks. Lower cost utilities with Spray foam insulation & tankless HWH.

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1820 Heron Dr, www.1820HeronDr.com Aubrey, TX Denton ISD This spacious floor plan affords the opportunity for great entertainment with over-sized rooms and ample living space. Kitchen features huge working island, breakfast bar, abundant cabinet and counter space and big window overlooking backyard. Large living room anchored by wood burning fireplace and separate formal dining room. Master Suite with spa-like bath complete with large vanity, garden tub & separate shower. Huge game room on second floor complete with pool table. Good sized secondary bedrooms. Relax outdoors under the covered patio.

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What Experts Are Saying About the Market With low mortgage rates coupled with home price and wage appreciation, many are wondering about the housing market forecast for 2020. Here’s what some of the top experts have to say: Mike Fratantoni, Chief Economist at MBA “Moderating price growth is healthy, as it allows household incomes to catch up with home values…This improvement in affordability will lead to more home sales – especially given the rise in household formation and growing demand from first-time homebuyers." Ralph DeFranco, Global Chief Economist at ARCH “Low interest rates and a shortage of starter homes will continue to push up prices. This is especially the case for lower price points since builders have tended to focus on more expensive, higher-profit houses and less on replenishing low inventories of entry-level homes.” Freddie Mac “We forecast that the average 30-year fixed-rate mortgage rate will be 3.8% in the fourth quarter of 2019 and 4.0% for full-year 2019. We expect rates to remain low, falling to a yearly average of 3.8% in 2020 and 2021. The housing market will continue to stand firm: home sales will rise in 2019 to 6.0 million before increasing to 6.1 million and then to 6.2 million in 2020 and 2021, respectively. House price growth will continue to decelerate through 2021 with annual rates of 3.2%, 2.9% and 2.1% in 2019, 2020 and 2021, respectively.” Bottom Line If you’re thinking of selling and moving up, now may be the time. Demand for your house will be strong, particularly when buyers are looking to lock in at low mortgage rates.

Over 50% of Homes Have At Least 50% Equity Rising home prices have been in the news a lot lately, and much of the focus is on whether home prices are accelerating too quickly, as well as how sustainable the growth in prices really is. One of the often-overlooked benefits of rising prices, however, is the impact they have on a homeownerâ&#x20AC;&#x2122;s equity position. Home equity is defined as the difference between a home's fair market value and the outstanding balance of all liens (loans) on the property. While homeowners pay down their mortgages, the amount of equity they have in their homes climbs each time the value increases. The number of homeowners that currently have at least 50% equity in their home is astonishing. According to the Urban Institute, 37.1% of all homes in the country are mortgage-free. In a home equity study, ATTOM Data Solutions revealed that of the 62.9% of homes with a mortgage, 25.6% of them have at least 50% equity. That number has been increasing over the last five years.

% of Mortgaged Homes With At Least 50% Equity 24.6%

25.4%

25.6%

2017

2018

22.5% 20.3% 18.5%

2013

2014

2015

2016

By doing a little math, we can see that 53.2% of all homes in this country have at least 50% equity right now. Of all homes, 37.1% are mortgage-free and an additional 16.1% with a mortgage have at least 50% equity. Bottom Line If you're a homeowner looking to take advantage of your home equity by moving up to your dream home, letâ&#x20AC;&#x2122;s get together to discuss your options.

For The Most Accurate Home Search,

The Latest Local Real Estate Info And Properties In Our MLS

WWW1939SUNNYSIDE.COM

Search like the pros! Scan The QR Code To Download Our App! or Text APP to 469-951-9588 ALREADY HAVE THE KW APP? TAP "MY AGENT" AND SEARCH FOR US TO CONNECT WITH US DIRECTLY. 10

From $300's

829 Field Crossing I Aubrey I TX www.829fieldcrossing.com Denton ISD

1169 Seymour Dr. I Frisco I TX www.1169seymour.com Frisco ISD

9215 Boundbrook Ave I Dallas I TX www.9215Boundbrook.com Richardson ISD

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From $300's

4306 Brett I Frisco I TX www.4306Brett.com Frisco ISD

11023 Sonterra Lane I Frisco I TX www.11023sonterra.com Frisco ISD

12206 Peachtree Lane I Frisco I TX www.12206peachtree.com Frisco ISD

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Fr om $3 00 's

1508 Eclipse Road, www.1508eclipse.com Aubrey, TX Denton ISD Highly sought after Highland model floor plan in resort-style neighborhood! Grand entry with upgraded floors. Family room anchored by stone fireplace and wall of windows overlooking backyard! Tons of natural light & upgrades throughout including bay windows and 8' doors. Beautiful kitchen boasts upgraded painted white cabs, over-sized granite island w-breakfast bar, SS appliances, gas cook-top & tile back-splash. Gorgeous Master w-bay windows & spa-like bath with dual sinks, vanity area, garden tub & WI closet. Relax outdoors on the Extended patio.

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From $300's

8321 Cotton Belt Lane I Arlington I TX www.8321cottonbelt.com Birdville ISD

From $400's

11401 Ironhorse I Frisco I TX www.11401ironhorse.com Frisco ISD

8244 Oakwood I Plano I TX www.8244oakwood.com Frisco ISD

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From $400's

911 Midland Drive I Allen I TX www.911midland.com Allen ISD

692 El Camino Drive I Frisco I TX www.692elcamino.com Frisco ISD

3136 Lakemont Drive I Little Elm I TX www.3136lakemont.com Frisco ISD

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From $400's

3044 Little Mill I The Colony I TX www.3044littlemill.com Little Elm ISD

8036 Sylvan Dale Road I Frisco I TX www.8036sylvandale.com Frisco ISD

From $500's

2236 Hideaway Pointe Drive I Little Elm I TX www.2236HideawayPointe.com Frisco ISD

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From $500's

13896 Colin Street I Frisco I TX www.13896colin.com Prosper ISD

1601 Quail Creek Lane I Prosper I TX www.1601quailcreek.com Prosper ISD

3140 Impala Trail I Frisco I TX www.3140impala.com Frisco ISD

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From $500's

1229 Brenham Drive I Allen I TX www.1229brenham.com Allen ISD

7400 Wescott Lane I McKinney I TX www.7400wescott.com Prosper ISD

SOLD

7653 Bridge Water Circle I Frisco I TX www.7653bridgewater.com Frisco ISD

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From $500's

5686 Kerry Drive I Frisco I TX www.5686kerry.com Frisco ISD

6937 Vineridge Drive I Dallas I TX www.6937vineridge.com Richardson ISD

11209 Covey Point Lane I Frisco I TX www.11209CoveyPt.com Frisco ISD

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4042 Harvest Lane, www.4042harvest.com Frisco, TX Frisco ISD Gorgeous Corner Lot with custom Heated POOL in sought after West Frisco. Hand-Scraped hardwoods in Entry, LR, Kitchen & DR. Chef's Kitchen w-custom painted & lighted glass front cabs,large butler area, granite island with trash pull-out & pot-pan drawers.Open style living & dining great for entertaining! Spacious master suite w-oversized vanity,dual sinks, shower w-seat & huge WI closet. Good sized secondary bedrooms & bath w-large game room up. Relax outdoors on covered patio overlooking POOL.

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Have You Outgrown Your Starter Home? For many Americans, buying a home is their first taste of achieving part of the American dream. There's a sense of pride that comes along with owning your own home and building your family’s wealth through your monthly mortgage payment. It may seem hard to imagine that the first home you purchased (which made your initial dreams come true) might not be the home that will allow you to achieve the rest of your dreams. The good news is, it’s okay to admit your home no longer fits your needs. According to the latest Home Price Index from CoreLogic, prices in the starter home market have appreciated at 5.3% year-over-year. At the same time, a report from Zillow indicates inventory in this category has dropped 9.4%.

5.3%

INVENTORY yearoveryear

DOWN

PRICES

9.4%

yearoveryear

These two statistics are directly related to one another. As inventory has decreased and demand has increased, prices have been driven up. This is great news if you own a starter home and are looking to move up to a larger home; the equity in your house has likely risen as prices have increased. Even better is the fact that there is a large pool of buyers out there searching for the American dream, and your starter home may be high on their list. Bottom Line If you’ve outgrown your starter home, let's get together to chat about market conditions in our area so we can make your move-up dreams come to life.

You Need More Than a Guide. You Need a Sherpa. In a normal housing market, whether you’re buying or selling a home, you need an experienced guide to help you navigate the process. You need someone you can turn to who will tell you how to price your home correctly right from the start. You need someone who can help you determine what to offer on your dream home without paying too much or offending the seller with a low-ball offer. We are, however, in anything but a ’normal market’ right now, and the media is full of complex and confusing information to sort through. To successfully navigate the landscape today, you need more than an experienced guide. You need a ‘Real Estate Sherpa.’ A Sherpa is a “member of a Himalayan people living on the borders of Nepal and Tibet, renowned for their skill in mountaineering.” Sherpas are skilled in leading their parties through the extreme altitudes of the peaks and passes in the region – some of the most treacherous trails in the world. They take pride in their hardiness, expertise, and experience at very high altitudes. They are much more than just guides. This is much more than a normal real estate market. The average guide just won’t do. You need a ‘Sherpa.’ You need an expert who understands what is happening in the market and why it is happening. You need someone who can simply and effectively explain it to you and your family. You need an expert who will guarantee you make the right decision, even in these challenging times. Bottom Line Hiring a real estate professional who has a finger on the pulse of the market will make your selling experience a positive and educated one.

Before bringing the PGA of America to Frisco, developer Stillwater Capital wanted to create a truly beautiful and unique living experience for the area. To do so, they joined forces with Western Securities, of The Westin and Sheraton Hotels, and The Corvalla at Stonebriar was born. Through this collaboration, distinguished builder Robert Elliott, along with David Stocker of the notable architectural firm Stocker, Hoesterey and Montenegro, were able to construct this resort-inspired product that exudes luxury with its sleek, modern look, reminiscent of a premier getaway destination along Highway 30A in Alys Beach. These single-story flats range from approximately 1,700 to 3,000 square feet, and are equipped with unmatched features, amenities, and services that rival any upscale development from San Francisco to Boston. With the Stonebriar Country Club within walking distance, and hotspots like The Star, Stonebriar Centre, and Legacy West just a couple miles away, there are endless activities and entertainment options near The Corvalla, especially for golf enthusiasts. Even better, for those working at one of the recently relocated corporate headquarters such as Toyota, JPMorgan Chase, Liberty Mutual, Boeing, and so on, these locations are merely a mile away from The Corvalla. People seeking a balanced lifestyle with virtually no commute can truly find it here. The move-in ready condominiums at The Corvalla at Stonebriar offer luxury living without the upkeep of a luxury home in a prime location, just northwest of the intersection of Highway 121 and the Dallas North Tollway. As the first of its kind in Frisco, these condos exemplify affordable luxury living in North Texas, with prices starting in the $650s. The lifestyle provided at The Corvalla is so ideal for the traveling executive or move down buyer you may wonder what more could you possibly ask for here? How about an included social membership to the Stonebriar Country Club? Done.

“THE CORVALLA OFFERS A FRESH NEW DESIGN PAIRED WITH HIGHEST QUALITY CONSTRUCTION,” DEVELOPER ROBERT ELLIOTT SAYS. “WE HAVE MERGED THE HIGH-END, TRANSITIONAL SINGLEFAMILY HOME WITH THE LOCK-ANDLEAVE LIFESTYLE TO ACCOMMODATE AN IMMEDIATE NEED IN FRISCO.” The Corvalla at Stonebriar 5270 Town and Country Blvd Frisco, TX 75034 Lewisville ISD Pet Friendly For all inquiries call: 214-762-3476 Or visit www.theCorvalla.com

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The Corvalla

PHOTOGRAPHY: MADDIE VICKERS

AT STONEBRIAR

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AMENITIES

• • • • • •

Resident Clubhouse With Private Entertaining Area Private & Secure parking garage Secured access into residential buildings Walking distance to Stonebriar Country Club and Membership for residents Club House includes a Pool, Residential Printing Area, Bar, Grill, and TVs Community social areas, Fire pits, Underground Parking

FEATURES

•

PHOTOGRAPHY: MADDIE VICKERS

• • • • • • • •

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Rich materials of white oak, limestone, marble, and quartz throughout Two stylish finish palettes Wide plank, engineered hardwood floors Large, wood architectural windows and doors throughout Gas fireplaces within select homes Sub-Zero and Wolf appliances Spa-inspired master baths & freestanding soaking tubs Polished-chrome fittings & hardware Private outdoor terraces

SERVICES

• • • •

On-Site Concierge With Luxury Building Management Residents have access to Weston Hotel’s 3 pools and a discount on Weston Rooms, food and beverage. Mobile Car Wash system. Vehicle is picked up from property, hand washed, and brought back. On-site dry-cleaning services with the Voila App voilalaundry.com. Includes easy drop off location and text reminders/updates.

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ry uxu L 851 Greenbriar Lane, www.851greenbriar.com Prosper, TX, Prosper ISD Stunning 5 bedroom 5.1 bath home in Windsong Ranch awaits your family. Soaring ceilings throughout the downstairs with beautifully appointed beams and light open concept greet you as you come through the door. Bright kitchen with large island, custom back splash and stainless-steel appliances overlook the living room with floor to ceiling tile fireplace. Large master suite with fireplace, bath with a large shower, separate vanities, soaking tub and custom closet. Beautiful staircase splits at the top leading to a large game room & media area along 3 additional bedrooms with en suites. The backyard is an oasis with custom pool, sun deck & oversized spa, covered patio with outdoor kitchen perfect for entertaining throughout the year.

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1040 Drexel Lane, www.1040Drexel.com Prosper, TX, Prosper ISD Stunningly appointed property enjoys unobstructed water views. With 5 bedrooms, 4.5 baths, Study, Game room & Media Room this former Dreeâ&#x20AC;&#x2122;s model home offers top of the line styling! An elegant winding staircase sets the stage while extensive wood floors unite the open floorplan. The gourmet kitchen is well appointed with granite counters, stainless steel appliances, double ovens, gas cooktop & is open to the breakfast nook. Large living room has vaulted ceilings & is anchored by a mantled Austin stone gas log fireplace. Master suite has split vanities, jetted tub, large walk-in shower & a generously sized closet. Guest suite with full bath down. Secondary bedrooms up along with a Game room & decked out Mediaroom. Covered back patio.

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5121 Meadowlark, www.5121meadowlark.com Plano,TX, Plano ISD Custom home in the heart of West Plano. Exquisite exterior details! Study boasts built ins, wood beam ceiling details & pocket doors. Soaring 2 story living room with bay windows accented by an eye-catching curved staircase and fireplace. A chefâ&#x20AC;&#x2122;s kitchen designed for entertaining including an oversized walk in pantry! Large family room, casual dining with wet bar. Secluded master retreat! 3 additional bedrooms offering ensuite baths and game room upstairs. Relax on a flagstone patio with gas connectivity for outdoor cooking! 3 HVAC units to beat this Texas heat! Fully finished garage with storage and organization. Luxurious finished throughout this home will astound! Just minutes to shopping, dining & tollway.

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ry uxu L 7451 Orchard Hill, www.7451Orchardhill.com Frisco, TX, Frisco ISD Immaculate & LIKE NEW, Darling-built home in sought after boutique community! Versatile floorplan offers 4 bedrooms plus study. Hand scraped wood floors, elegant lighting, dramatic curved staircase, upgraded maple cabinets, & so much more. Elegant formal dining. Large island kitchen with granite counters, gas cooktop & stainless-steel appliances. Family room complemented by corner gas log fireplace & surround sound wiring. Spacious Master Ste. First floor Guest Suite with full Bath. 2nd floor Game Room with Juliette balcony & fully wired Media. All bedrooms boast en suite baths. Covered patio overlooks a large private backyard-perfect for pool, pets or play! Updated tile and carpet floorings in 2019.Â

We Do Windows Texas Windows specializes in distinctive window treatments like motorized shades, plantation shutters and patio shades. Schedule a free in-home estimate today! Visit TexasWindows.com or call 469-771-3049.

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ry uxu L 5456 Braemar Drive, www.5456Braemar.com Frisco, TX, Frisco ISD Executive custom-built home. This Italian Villa style will wow you with details. Double Iron front door welcomes you with beautiful travertine floors throughout the down stars. Formal dining with tray ceiling and crown for formal dinners. Executive study offers nail down hardwoods, built ins, and storage closet. Custom maple cabinets, butler’s pantry with sink and wine fridge. Built in refrigerator, double ovens, 5 burner cook top, produce sink in island. Huge walk in pantry. Private courtyard off the kitchen. Game room comes complete with pool table, half bath for guests, and media room. Custom details abound with solid core doors up and down! With 3 HVAC units for full house comfort.

RESIDENTIAL AND COMMERCIAL INSPECTION STATE OF THE ART TECHNOLOGY Michael Bradshaw Owner/Lead inspector Trec # 21474 (254)979-1256 Michael@morethanstudsdfw.com Morethanstuds.com

“A home is more than just “Studs”, so is your inspector”

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10333 Arvin Hill Drive, www.10333Arvinhill.com Aubrey, TX Aubrey ISD 5.2 Acres with easy access to 380!! This breathtaking land & home boasts lush landscape, privacy and personal amenities! Welcoming front porch to relax! Open concept plan w stone kitchen accents, double oven & abundant storage! Farmhouse chic details include glass front shaker cabinets with satin hardware. Owner's suite w spa bath retreat reveals see-through fireplace, granite counters, frameless glass shower! Extended media room for indoor family fun! Upstairs balcony views sparkling pool and backyard! Year-round outdoor enjoyment w pool, tennis, putting green and wood burning fireplace!

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Fr om 's 00 $3

12340 Cedar Bend, www.12340cedarbend.com

Dallas, TX Dallas ISD Fabulous location just minutes from 635, DNT, restaurants and shopping! Nestled on a large lot with mature trees and a man-cave workshop complete with lights! Wood plank floors in formal living and dining are perfect for entertaining. Family room is anchored by handsome brick fireplace & opens to study or den with patio access. Galley kitchen boasts granite counters, tile backsplash, crisp white painted cabinets and updated appliances. Master suite features his and her closets and en-suite bathroom. Spacious secondary bedrooms and huge guest bathroom are sure to please. Huge covered patio.

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Why You Shouldn’t "For Sale By Owner" Rising home prices coupled with the current inventory in today's market may cause some homeowners to consider selling their home on their own (known in the industry as a For Sale By Owner). However, a FSBO might not be a good idea for the vast majority of sellers. The top five reasons not to FSBO are listed below: 1. Online Strategy for Prospective Purchasers Studies have shown that 93% of buyers search online for a home. That’s a pretty staggering number! Most real estate agents have an Internet strategy to promote the sale of your home. Do you? 2. Results Come from the Internet Where did buyers find the homes they actually purchased? • 55% on the Internet • 28% from a Real Estate Agent

• 10% Other • 6% from a Yard Sign • 1% from Newspapers

The days of selling your house by putting up a sign in your yard or placing an ad in the paper are long gone. Having a strong Internet strategy is crucial. 3. There Are Too Many People to Negotiate With Here is a list of some of the people with whom you must be prepared to negotiate if you decide to For Sale By Owner: • • • •

The buyer, who wants the best deal possible The buyer’s agent, who solely represents the best interest of the buyer The buyer’s attorney (in some parts of the country) The home inspection companies, which work for the buyer and will almost always find some problems with the house • The appraiser, if there is a question of value

4. FSBOing Has Become Increasingly Difficult The paperwork involved in buying or selling a home has increased dramatically as industry disclosures and regulations have become mandatory. This is one of the reasons the percentage of people FSBOing has dropped from 19% to 8% over the last 20+ years. 5. You Net More Money When Using an Agent Many homeowners believe they’ll save the real estate commission by selling on their own, but the seller and buyer can’t both save the commission. A report by Zillow revealed that FSBOs are inclined to do so because they believe it will save money (46 percent cite this among their top three reasons), but they don’t actually save anything, and eventually end up listing with an agent. The same report revealed that, “While 36% of sellers that (at first) attempted to sell their homes on their own, only 11 percent of sellers—in other words, less than a third…actually sold without an agent.” It appears working with a real estate professional is the best answer. Bottom Line Before you decide to take on the challenges of selling your house on your own, let’s get together to discuss your needs.

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6409 Saint Michael, www.6409saintmichael. com McKinney, TX McKinney ISD Stunning Custom home nestled on spacious & private corner lot in one of McKinneyâ&#x20AC;&#x2122;s premier gated communities! Grand entrance, curved staircase, rich architectural details & designer touches delight. Dining Room boasts wine cellar & butlerâ&#x20AC;&#x2122;s pantry. Open Family Room complemented by caststone fireplace & large windows. Decadent Master Ste w-jetted tub, his-her vanities & double shower. Guest Ste on 1st. Game & Media on 2nd. Outdoor living w-fireplace!

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Is Your House Priced to Sell Immediately? In today’s real estate market, more houses are coming to market every day. Eager buyers are searching for their dream homes, so setting the right price for your house is one of the most important things you can do. According to CoreLogic’s latest Home Price Index, home values have risen at over 6% per year over the past two years, but have started to slow to 3.5% over the last 12 months. By this time next year, CoreLogic predicts home values will be 5.6% higher. With prices slowing from their previous pace, it’s important to realize that pricing your house a little over market value to leave room for negotiation will dramatically decrease the number of buyers who will see your listing (see the chart below):

Impact of Price on Visibility +15% +10% Market Value -10% -15%

10%

30%

The percentage of potential buyers who will look for a property

60% 75% 90%

Instead of trying to ‘win’ the negotiation with one buyer, you should price your house so demand for it is maximized. By doing so, you won’t be negotiating with one buyer over the price, but will instead have multiple buyers competing with each other over the house. The secret is making sure your house is Priced To Sell Immediately (PTSI). That way, your home will be seen by the most potential buyers. It will sell at a great price before more competition comes to the market. Bottom Line If you're thinking about listing your house, let’s get together to discuss how to price it appropriately to maximize your exposure and return.

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4034 Cobblers Lane, www.4034Cobblers.com Dallas, TX Plano ISD Fabulous opportunity to own in coveted Bent Tree West with Popular Plano West High School!! Grand entry leads to the Formal Dining & Huge Family room perfect for entertaining. Chef's style kitchen with plenty of working counter space, wet-bar, wine fridge and pot drawers! Large Family Room is anchored by a floor to ceiling brick fireplace with custom built-in and wall of windows overlooking the back patio. Huge Master Suite with Spa-like bath complete with his and her vanities & large soaking tub. Den with fireplace and full bath in hall is perfect for motherin-law suite! Relax outdoors on large patio overlooking gorgeous HEATED pool & spa.

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Pumpkin Crumb Cake INGREDIENTS

Streusel:

1 cup brown sugar ½ cup sugar ½ teaspoon salt 1 ½ teaspoon cinnamon 1 cup butter – melted 2 ½ cups flour

Cake:

3 cups all-purpose flour 1 ½ teaspoon baking soda 1 ½ teaspoon baking powder 1 tablespoon pumpkin pie spice 1 teaspoon cinnamon ½ teaspoon salt 1 cup brown sugar ½ cup sugar 1 cup butter – room temperature 2 eggs 2 15oz cans of pumpkin puree

The Baker’s Rack

Glaze:

As the weather cools down in Texas, many of us have the same things on our minds… holidays and pumpkin spice everything! If you are anything like me, you spend your free time watching QVC in search of the ideal vessel to hold your tasty, pumpkin-flavored treats. Thankfully, I found the perfect one to showcase my delicious Pumpkin Crumb Cake, and the recipe for it is below!

½ cup + 2 tablespoons powdered sugar 1 tablespoon milk ½ teaspoon vanilla ½ teaspoon cinnamon Directions Preheat oven to 350 degrees and grease your pan (9x13” works best, but you could also use a large Bundt or square pan, too).

Streusel:

1. In a medium bowl stir together sugars, cinnamon, salt and butter until well combined 2. Stir in flour and set aside

CAKE

1. In a large bowl mix flour, baking soda, baking powder, pumpkin pie spice, cinnamon and salt until combined 2. In a separate bowl, beat brown and white sugars together with butter until light and fluffy 3. Add eggs and pumpkin to the mixture and continue beating until combined 4. Add dry ingredients to the wet batter and mix well 5. Spread batter into pan (batter will be thick) 6. Using your hands, form the streusel mixture into clumps and generously sprinkle those onto the top of the cake batter 7. Bake for 50 minutes, or until a toothpick comes out mostly clean 8. Let cake cool

GLAZE

1. In a small bowl whisk together powdered sugar, milk, vanilla and cinnamon and drizzle over the cooled cake ENJOY!

NOTE This cake is best served warm and steaming with its sugary sweet streusel, alongside a piping hot mug of coffee- with pumpkin spice creamer of course! This recipe is a must-have and is perfect for family breakfast, holiday dessert or just a guilty pleasure snack!

Jesse Baker

Executive Assistant The Christie Cannon Team - KW Please note, I did not create this recipe. I found a good base for the cake on bunsinmyoven.com and altered a few things to make it my own!

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Thinking of Selling Your Home? The Waiting Is the Hardest Part. Tom Petty famously penned the words, “the waiting is the hardest part” in his early 80’s hit song The Waiting, and his thought process can surprisingly also be applied to individuals considering selling their homes today. Traditional thinking would suggest it may be best to wait until the spring to sell when there is a flood of buyers in the market, but right now may in fact be an even better time to list your house. We can see the overall economy is good: wages are rising, there are near record-low unemployment rates, and mortgage interest rates are still very low too. Over the past 10+ years the housing market has stabilized, so what (if anything) is the biggest challenge in the housing market today? The answer is simple: inventory. According to the Existing Home Sales Report by the National Association of Realtors, “Total housing inventory at the end of October sat at 1.77 million units, down approximately 2.7% from September and 4.3% from one year ago (1.85 million). Unsold inventory sits at a 3.9-month supply at the current sales pace, down from 4.1 months in September and from the 4.3-month figure recorded in October 2018.” What does this mean? While homes are coming to the market, they aren’t coming fast enough! Right now, across the country there is less than 6 months of overall inventory of homes for sale, putting us in a seller’s market. The challenge is that there are not enough homes for sale to increase the supply needed for the number of people who want to buy, especially in the starter and middle-level markets. To be in a balanced market (meaning we have enough inventory for the number of buyers in the market), we need to have 6 months of inventory available. Today we are nowhere near that number, and as a matter of fact, the last time we reached that height was August 2012 (as shown on the next page):

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The Christie Cannon Team Keller Williams Realty

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4 Reasons to Buy a Home This Winter Here are four great reasons to consider buying a home today instead of waiting. 1. Prices Will Continue to Rise CoreLogicâ&#x20AC;&#x2122;s latest Home Price Insights Report shows that home prices have appreciated by 3.5% over the last 12 months. The same report forecasts prices will continue to increase at a rate of 5.6% over the next year. Home values will continue to appreciate, so waiting may end up costing you more in the long run. 2. Mortgage Interest Rates Are Forecasted to Remain Low The Primary Mortgage Market Survey from Freddie Mac indicates that rates for a 30-year mortgage have recently hovered around historically low levels. This is great news for buyers in the market right now, because low rates increase your purchasing power, meaning you can get more for your money. The Mortgage Bankers Association, Fannie Mae, Freddie Mac, and the National Association of Realtors are in unison, projecting rates will remain steady as we progress throughout 2020, making this winter a great time to consider buying a home.

3. Either Way, You Are Paying a Mortgage There are some renters who haven’t purchased a home yet because they’re uncomfortable taking on the obligation of a mortgage. Everyone should realize that unless you’re living rentfree with your parents, you are paying a mortgage – either yours or that of your landlord. As an owner, your mortgage payment is a form of ‘forced savings’ that allows you to have equity in your home you can tap into later in life. As a renter, you guarantee your landlord is the person with that equity. Are you ready to put your housing costs to work for you? 4. Waiting May Increase Your Long-Term Costs The ‘cost’ of a home is determined by two major components: the price of the home and the current mortgage rate. It appears prices are on the rise, making waiting a potentially more expensive option. Look at the actual reason you’re buying and decide if it is worth waiting. Whether you want to have a great place for your children to grow up, you want your family to be safer, or you just want to have control over custom renovations, maybe now is the time to buy. Bottom Line Buying a home sooner rather than later could lead to substantial savings. Let’s get together to determine if homeownership is the right choice for you and your family this winter.

What’s the Latest on Mortgage Rates? Mortgage rates have fallen by over a full percentage point since Q4 of 2018, hovering at nearhistoric lows. This is big news for buyers looking to get more for their money in the current housing market. According to Freddie Mac’s Primary Mortgage Market Survey, “We expect rates to remain low, falling to a yearly average of 3.8% in 2020 and 2021.” Freddie Mac notes that this is great news for homebuyers, stating, “Modest increases in home sales and house prices will boost purchase mortgage originations for the foreseeable future.”

Mortgage Rates

Freddie Mac

30-Year Fixed Rate

Sept 2018 – Today Actual Interest Rates

3.8

2020

As a potential buyer, the best thing you can do is work with a trusted advisor who can help you keep a close eye on how the market is changing. Relying on current expert advice is more important than ever when it comes to making a confident and informed decision for you and your family. Bottom Line Even a small increase (or decrease) in mortgage rates can impact your monthly housing costs. If buying a home is on your short list of goals to achieve, let’s get together to determine your best move.

Where Are Home Prices Heading? Questions continue to rise around where home prices will head in 2020. Here is a look at the forecast from CoreLogic:

Additionally, ARCH Mortgage Insurance Company in their current Housing and Mortgage Market Review revealed their latest ARCH Risk Index, which estimates the probability of home prices being lower in two years. Based on the most recent results, 32 of the 50 states (plus D.C.) had a minimal probability of lowering by 2021.

Bottom Line Experts forecast home price appreciation to continue at a moderate rate as we move through 2020 and beyond. With appreciation growing, now is a great time to buy.

The True Cost of Not Owning Your Home There are great advantages to owning a home, yet many people continue to rent. The financial benefits are just some of the reasons why homeownership has been a part of the long-standing American dream. realtor.com reported that: “Buying remains the more attractive option in the long term – that remains the American dream, and it’s true in many markets where renting has become really the shortsighted option…as people get more savings in their pockets, buying becomes the better option.” Why is owning a home financially better than renting? Here are the top five financial benefits of homeownership: 1. 2. 3. 4. 5.

Homeownership is a form of forced savings. Homeownership provides a tax savings. Homeownership allows you to lock in your monthly housing cost. Buying a home is less expensive than renting. No other investment lets you live inside of it.

Studies have shown that a homeowner’s net worth is 44x greater than that of a renter. A family that purchased a median-priced home at the start of 2019 would build more than $37,750 in family wealth over the next five years with projected price appreciation alone. Some argue that renting eliminates the cost of taxes and home repairs, but every potential renter must realize that all the expenses the landlord incurs are already baked into the rent payment – along with a profit margin! Bottom Line Owning a home has many financial benefits that cannot be achieved by renting.

Buying a Home: Do You Know the Lingo? To confidently point you in the right direction, here is a list of some of the most common terms used in the homebuying process. Appraisal – A professional analysis used to estimate the value of the home. A necessary step in validating the home’s worth to you and your lender to secure financing. Closing Costs – The fees required to complete the real estate transaction. Paid at closing, they include: points, taxes, title insurance, financing costs, and items that must be prepaid or escrowed. Ask your lender for a complete list of closing cost items. Credit Score – A number ranging from 300-850 that is based on an analysis of your credit history. Helps lenders determine the likelihood that you’ll repay future debts. Down Payment – Down payments are typically 3-20% of the purchase price of the home. Some 0% down programs are also available. Ask your lender for more information. Mortgage Rate – The interest rate you pay to borrow money to buy your home. The lower the rate, the better. Pre-Approval Letter – A letter from a lender indicating you qualify for a mortgage of a specific amount. Real Estate Professional – An individual who provides services in buying and selling homes. Real estate professionals are there to help you through the confusing paperwork, find your dream home, negotiate any of the details that come up, and to help you know exactly what’s going on in the housing market.

The best way to ensure your homebuying process is a confident one is to find a real estate pro who will guide you through every aspect of the transaction with ‘the heart of a teacher’ by putting your family’s needs first. Freddie Mac – My Home Section

Why Pre-Approval Should Be Your First Step In many markets across the country, the number of buyers searching for their dream homes greatly exceeds the number of homes for sale. This has led to a competitive marketplace where buyers often need to stand out. One way to show you’re serious about buying your dream home is to get pre-qualified or pre-approved for a mortgage before you start your search. Even if you're in a market that's not as competitive, understanding your budget will help you know if your dream home is within your reach. Freddie Mac lays out the advantages of pre-approval in the 'My Home' section of their website. “It’s highly recommended that you work with your lender to get pre-approved before you begin house hunting. Pre-approval will tell you how much home you can afford and can help you move faster, and with greater confidence, in competitive markets.” One of the advantages of working with a local real estate professional is that many have relationships with lenders who will be able to help you with this process. Once you’ve selected a lender, you'll need to fill out their loan application and provide them with important information regarding “your credit, debt, work history, down payment and residential history.” Freddie Mac describes the '4 Cs' that help determine the amount you’ll be qualified to borrow: 1. Capacity: Your current and future ability to make your payments 2. Capital or Cash Reserves: The money, savings, and investments you have that can be sold quickly for cash 3. Collateral: The home, or type of home, that you would like to purchase 4. Credit: Your history of paying bills and other debts on time Getting pre-approved is one of many steps that will show home sellers you’re serious about buying, and it often helps accelerate the process once your offer has been accepted. Bottom Line If you're ready and willing to buy, getting pre-approved will help you feel more informed, and may even give you the competitive edge you need in today’s homebuying process.

The Power of Having a Real Estate Professional on Your Side If you’re searching for a home online, you’re not alone; lots of people are doing it. The question is, are you using all of your available resources, and are you using them wisely? Here’s why the Internet is a great place to start the homebuying process, and the truth on why it should never be your only go-to source of information and support when it comes to making such an important decision. According to the National Association of Realtors (NAR), the three most popular information sources homebuyers use in the home search are: • • •

Online Website (93%) Real Estate Agent (86%) Mobile/Tablet Website or App (73%)

Clearly, you’re not alone if you’re starting your search online; 93% of homebuyers are right there with you. The even better news: 86% of buyers are also getting information from a real estate agent at the same time. Here are three reasons why working with a real estate pro in addition to a digital search is key: 1. There’s More to Real Estate Than Finding a Home Online. It’s a lonely and complicated trek around the web if you don’t have a real estate professional to also help you through the 230 possible steps you’ll face as you navigate through a real estate transaction. That’s a pretty staggering number! Determining your price, submitting an offer, and successful negotiation are just a few of these key steps in the sequence. You’ll definitely want someone who has been there before to help you through it.

2. You Need a Skilled Negotiator. In today’s market, hiring a talented negotiator could save you thousands, maybe even tens of thousands of dollars. From the original offer to the appraisal and the inspection, many of the intricate steps can get complicated and confusing. You need someone who can keep the deal together until it closes. 3. It’s Crucial to Make a Competitive and Compelling Offer. There’s so much information out there in the news and on the Internet about home sales, prices, and mortgage rates. How do you know what’s specifically going on in your area? How do you know what to offer on your dream home without paying too much or offending the seller with a lowball offer? Dave Ramsey, the financial guru, advises: “When getting help with money, whether it’s insurance, real estate or investments, you should always look for someone with the heart of a teacher, not the heart of a salesman.” Hiring a real estate professional who has his or her finger on the pulse of the market will make your buying experience an informed and educated one. You need someone who is going to tell you the truth, not just what they think you want to hear. Bottom Line If you’re ready to start your search online, don’t skip over the support of an educated and informed real estate professional. You need someone at your side who can answer your questions and guide you through a process that can be complex and confusing if you go at it with the Internet alone.

Regardless of the Price, You’re Going to Need Advice In real estate today, there are essentially three different price points in the market: the starter-home market, the middle-home market, and the premium or luxury market. Each one is unique, and depending on the city, the price point in these categories will vary. For example, a starter or lower-end home in San Francisco, California is much more expensive than almost any other part of the country. Here’s what you need to know about each of these tiers: Starter-Home Market: This market varies by price, and these homes are typically purchased by first-time homebuyers or investors looking to flip them for a profit. Across the country, homes in this space currently have less than 6 months of inventory for sale. That means there aren’t enough homes on the lower end of the market for the number of people who want to buy them. A low supply like this generally increases competition, drives bidding wars, and sets up an environment where homes sell above the listing price. According to data from the National Association of Realtors (NAR) on realtor.com, “The desire for affordability continues to push down the inventory for homes listed for less than $200,000.00.” Middle-Home Market: This segment is often thought of as the move-up market. Typically, the buyer in this market is moving up to a larger, more custom home with more features, all coming at a higher price. Across the country, this market is looking more balanced than the lower end of the market, meaning it has closer to a 6-month supply of inventory for sale. This market is more neutral, but leaning towards a seller’s market. Premium & Luxury Home Market: This is the top end of the market with larger homes that have even more custom features and upgrades. Nationwide, this market is growing in the number of homes for sale. In the same realtor.com article, we can see that yearover-year inventory of homes in this tier has grown by 4.7%. Today, there are more homes available in the premium and luxury space, leading to more of a buyer’s market at this end. Bottom Line Regardless of the segment of the market and the price point you’re looking at, you’re going to need the advice of a true local market expert to guide you through the process.

Tips for Searching for Your Dream Home In today’s market, low inventory dominates the conversation in many areas of the country. It can often be frustrating to be a first-time homebuyer if you aren’t prepared. Here are five tips from a realtor.com article titled, “How to Find Your Dream Home—Without Losing Your Mind.” 1. Get Pre-Approved for a Mortgage Before You Start Your Search This will help you show you’re serious about buying a home. Even if you’re in a market that’s not as competitive, understanding your budget will give you the confidence of knowing whether or not your dream home is within your reach, and help you avoid the disappointment of falling in love with one well outside your price range. 2. Know the Difference Between Your ‘Must-Haves’ and ‘Would-Like-To-Haves’ Do you really need that farmhouse sink in the kitchen to be happy with your home choice? Is a two-car garage a convenience or a necessity? Before you start your search, list all the features in a home you’d like. Qualify them as ‘must-haves’, ‘should-haves’, or ‘absolute-wish list’ items to help you stay focused on what’s most important. 3. Research and Choose a Neighborhood Where You Want to Live Every neighborhood has its own charm. Before you commit to a home based solely on the house itself, take a test-drive of the area. Make sure it meets your needs for “amenities, commute, school district, etc. and then spend a weekend exploring before you commit.” 4. Pick a House Style You Love and Stick to It Evaluate your family’s needs and settle on a style of home that will best serve those needs. Just because you’ve narrowed your search to a zip code doesn’t mean you need to tour every listing in that vicinity. An example from the article says, “if you have several younger kids and don’t want your bedroom on a different level, steer clear of Cape Cod–style homes, which typically feature two or more bedrooms on the upper level and the master on the main.” 5. Document Your Home Visits Once you start touring homes, the features of each one may begin to blur together. Keep your camera handy and make notes on the listing sheets to document what you love and don’t love about each property you visit.

62% of Buyers Are Wrong About Down Payments According to the ‘2019 Home Buyer Report’ conducted by NerdWallet, many first-time buyers still believe they need a 20% down payment to buy a home in today’s market, “More than 6 in 10 (62%) Americans believe you must put at least 20% down in order to purchase a home.” When potential homebuyers think they need a 20% down payment to enter the market, they also tend to think they’ll have to wait several years (in some markets) to come up with the necessary funds to buy their dream homes. The report continues to say, “The truth: 32% of current U.S. homeowners put 5% or less down on their home, according to census data.” (as shown below):

Down Payments of U.S. Homeowners 32% 23% 18%

16%

10% 5% or Less

6-10%

11-20%

More Than 20% Bought Outright

The lack of knowledge about the homebuying process is unfortunately keeping many motivated buyers on the sidelines. Bottom Line Don’t let simple misunderstandings keep you and your family out of the housing market. Let’s get together to discuss your options today.

Ready to Make An Offer? 4 Tips for Success. Once you find that perfect house to call home, making an offer can be an intimidating part of the buying process. In such a competitive market, you want to make sure you make all the right moves so you can ultimately land your dream home. Below are four steps provided by Freddie Mac to help you make a solid offer, along with some additional information to consider: 1. Determine Your Price “You’ve found the perfect home and you’re ready to buy. Now what? Your real estate agent will be by your side, helping you determine an offer price that is fair.” Based on your agent’s experience and key considerations (like similar homes recently sold in the same neighborhood or the condition of the house and what you can afford), your agent will help you to determine an offer to present. Getting pre-approved will not only show home sellers you’re serious about buying, but it will also allow you to make your offer with confidence because you’ll know you’ve already been approved for a mortgage in that amount. 2. Submit an Offer “Once you’ve determined your price, your agent will draw up an offer, or purchase agreement, to submit to the seller’s real estate agent. This offer will include the purchase price and terms and conditions of the purchase.” Talk with your agent to find out if there are any ways in which you can make your offer stand out in this competitive market. A licensed real estate professional who is active in the neighborhoods you are considering will be instrumental in helping you put in a solid offer.

3. Negotiate the Offer “Oftentimes, the seller will counter the offer, typically asking for a higher purchase price or to adjust the closing date. In these cases, the seller’s agent will submit a counteroffer to your agent, detailing their desired changes, at this time, you can either accept the offer or decide if you want to counter. Each time changes are made through a counteroffer, you or the seller have the option to accept, reject or counter it again. The contract is considered final when both parties sign the written offer.” If your offer is approved, Freddie Mac urges you to “always get an independent home inspection, so you know the true condition of the home.” If the inspector uncovers undisclosed problems or issues, you can discuss any repairs that may need to be made with the seller. 4. Act Fast The inventory of homes listed for sale has remained well below the 6-month supply that is needed for a ‘normal’ market, especially at the entry level. Buyer demand has continued to outpace the supply of homes for sale, causing buyers to compete with each other for their dream homes. Make sure as soon as you decide you want to make an offer you work with your agent to present it as quickly as possible. Bottom Line Whether buying your first home or your fifth, working with a local real estate professional who is an expert in the market is your best bet to make sure the process goes smoothly.

Things to Avoid After Applying for a Mortgage Once you’ve found the right home and applied for a mortgage, there are some key things to keep in mind. You're undoubtedly excited about the opportunity to decorate your new home, but before you make any large purchases, move your money around, or make any big-time life changes, consult your loan officer – someone who will be able to tell you how your decisions will impact your home loan. Below is a list of Things You Shouldn’t Do After Applying for a Mortgage that are important to know – or simply just good reminders – for the process. 1. Don’t Change Jobs or the Way You Are Paid at Your Job. Your loan officer must be able to track the source and amount of your annual income. If possible, you’ll want to avoid changing from salary to commission or becoming self-employed during this time as well. 2. Don’t Deposit Cash Into Your Bank Accounts. Lenders need to source your money and cash is not really traceable. Before you deposit any amount of cash into your accounts, discuss the proper way to document your transactions with your loan officer. 3. Don’t Make Any Large Purchases Like a New Car or Furniture for Your New Home. New debt comes with it, including new monthly obligations. New obligations create new qualifications. People with new debt have higher debt to income ratios…higher ratios make for riskier loans…and sometimes qualified borrowers no longer qualify. 4. Don’t Co-Sign Other Loans for Anyone. When you co-sign, you’re obligated. As we mentioned, with that obligation comes higher ratios as well. Even if you swear you won’t be the one making the payments, your lender will have to count the payments against you.

5. Don’t Change Bank Accounts. Remember, lenders need to source and track your assets. That task is significantly easier when there’s consistency among your accounts. Before you transfer any money, speak with your loan officer. 6. Don’t Apply for New Credit. It doesn’t matter whether it’s a new credit card or a new car. When you have your credit report run by organizations in multiple financial channels (mortgage, credit card, auto, etc.), your FICO® score will be impacted. Lower credit scores can determine your interest rate and maybe even your eligibility for approval. 7. Don’t Close Any Credit Accounts. Many clients erroneously believe that having less available credit makes them less risky and more likely to be approved. Wrong. A major component of your score is your length and depth of credit history (as opposed to just your payment history) and your total usage of credit as a percentage of available credit. Closing accounts has a negative impact on both those determinants of your score. Bottom Line Any blip in income, assets, or credit should be reviewed and executed in a way that ensures your home loan can still be approved. The best plan is to fully disclose and discuss your intentions with your loan officer before you do anything financial in nature.

What to Expect From Your Home Inspection After you make an offer and it’s accepted, your next task is to have the home inspected prior to closing. Agents often recommend you make your offer contingent on a clean home inspection. This contingency allows you to renegotiate the price you offered for the home or ask the seller to cover necessary repairs. Your agent can advise you on the best course of action once the report is filed. How to Choose an Inspector Your agent will most likely have a short list of inspectors to recommend. HGTV suggests you consider the following five areas when choosing your preferred home inspector: 1. Qualifications – Find out what’s included in your inspection and if the age or location of your home may warrant specific certifications or specialties. 2. Sample Reports – Ask for a sample inspection report so you can review how thoroughly they’ll be inspecting your dream home. In most cases, the more detailed the report, the better. 3. References – Do your homework. Ask for phone numbers and names of past clients who you can call for references.

4. Memberships – Not all inspectors belong to a national or state association of home inspectors, and membership in one of these groups should not be the only way to evaluate your choice. Membership in one of these organizations does, however, often mean continued education and training are required of the inspector. 5. Errors and Omission Insurance – Find out what the liability of the inspector or inspection company is once the inspection is over. The inspector is only human, after all, and it is possible they might miss something they should see. Ask your inspector if it’s okay for you to tag along during the inspection, so they can point out anything that should be addressed or fixed. Don’t be surprised to see your inspector looking very carefully at all elements of the home. The job of the inspector is to protect your investment and find any issues that may be present, including but not limited to: the roof, plumbing, electrical components, appliances, heating and air conditioning systems, ventilation, windows, fireplace and chimney, foundation, and so much more. Bottom Line They say ignorance is bliss, but not when investing your hard-earned money into a home of your own. Work with a professional you can trust to give you the most information possible about your new home, enabling you to make the most educated purchase decision. *Home inspection regulations, requirements, and processes may vary by state and locality. Work with a trusted advisor to ensure your process runs smoothly based on your specific area.

Have You Put Aside Enough for Closing Costs? Once you’re ready to finalize your home purchase, it’s important to make sure you've also saved enough for closing costs. Freddie Mac defines closing costs as follows: “Closing costs, also called settlement fees, will need to be paid when you obtain a mortgage. These are fees charged by people representing your purchase, including your lender, real estate agent, and other third parties involved in the transaction. Closing costs are typically between 2 & 5% of your purchase price.” We’ve heard from many first-time homebuyers that they wish someone had let them know closing costs could be so high. If you think about it, with a low down payment program, your closing costs could equal the amount you saved for your down payment. Here is a list of just some of the fees that may be included in your closing costs, depending on where the home you wish to purchase is located: • • • • •

Government recording costs Appraisal fees Credit report fees Lender origination fees Title services (insurance, search fees)

• • • •

Tax service fees Survey fees Attorney fees Underwriting fees

Is There Any Way to Avoid Paying Closing Costs? Work with your lender and real estate agent to see if there are ways to decrease or defer your closing costs. There are no-closing cost mortgages available that feature a higher interest rate or wrap closing costs into the total cost of the mortgage (meaning you’ll end up paying interest on your closing costs). Your lender can help you find the option that best fits your needs. Homebuyers can also negotiate with the seller over who pays these fees. Sometimes the seller will agree to assume the buyer’s closing costs in order to get the deal finalized. Bottom Line Speak with your lender and agent early and often to determine how much you’ll be responsible for at closing. Finding out you need to come up with thousands of dollars right before closing is not a surprise anyone wants to experience.

Land Listings 2671 County Road 325 www.2671cr325.com McKinney, TX Just under 13 acres is a beautiful setting in McKinney. Build your dream home, develop for multiple homes, use as farm, or find a commercial use for this property. Home is easily torn down or renovated as desired. Front building was previously used as a workshop. Small barn for some livestock. Easy access to Highway 121 and 75. Beautiful trees, grass fields, and area for a stocked pond. Unlimited opportunities with creativity and imagination. Fully fenced perimeter. Grayson Electric and water coop. Property requires septic.

8 Post N Paddock www.8postnpaddock.com Frisco, TX Located in Friscoâ&#x20AC;&#x2122;s most exclusive estate neighborhood of Stonebriar Creek, this unique lot is situated on a quiet cul-de-sac & offers a multitude of possibilities. Bring your own builder or ask about custom plans specially created for this large 2 acre lot. Privacy is paramount and provided by large mature trees nestled among multi-million dollar homes. Located within Frisco ISD with easy access to Highways, mere minutes from exclusive shopping and dining venues. Enjoy seclusion within the heart of Frisco!

0001 Meadow Lake Drive www.0001meadowlake.com Frisco, TX Gorgeous lake view lot in highly coveted Lakewood Village!! Donâ&#x20AC;&#x2122;t miss this opportunity to build your dream home on this lush green lot ready for your creativity! Serenity awaits you, visualize coming home to this retreat away from the city and yet easy commute to shopping, dining and major highways.

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5686 Kerry Drive, www.5686Kerry.com Frisco, TX Frisco ISD Stunning Custom home nestled on spacious & private corner lot in one of McKinneyâ&#x20AC;&#x2122;s premier gated communities! Grand entrance, curved staircase, rich architectural details & designer touches delight. Dining Room boasts wine cellar & butlerâ&#x20AC;&#x2122;s pantry. Open Family Room complemented by cast-stone fireplace & large windows. Decadent Master Ste w-jetted tub, his-her vanities & double shower. Guest Ste on 1st. Game & Media on 2nd. Outdoor living w-fireplace!

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12340 Cedar Bend, www.12340cedarbend.com

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5 Reasons

to Hire a Real Estate Professional Contracts We help with all disclosures and contracts necessary in today’s heavily regulated environment.

Experience We are well-educated in real estate and experienced with the entire sales process.

Negotiations We act as a buffer in negotiations with all parties throughout the entire transaction.

Pricing We help you understand today’s real estate values when setting the price of a listing or making an offer to purchase.

Understanding of Current Market Conditions We simply and effectively explain today’s real estate headlines and decipher what they mean to you.

Photography: Pixabay

HOLIDAY SEASON STAGING TIPS

The temperatures have finally begun to drop, football season is well underway, and pumpkin spice lattes are brewing on every corner. The holiday season has officially arrived. While there may not be as many buyers out house hunting this time of year as there are during the busy spring season, that shouldn’t stop you from listing your home for sale during the holiday season. In fact, selling a home during the last few months of the year can prove valuable for you. Traditionally, this hectic time often results in fewer homes on the market which can lead to better exposure to yours. Because of this, we’re providing you some tips to help get your home looking its very best for photos and showings amidst all the holiday hustle and bustle: Remember that less is more when considering decorating your home for the holidays while it’s on the market. Too many items will distract buyers, so keep your décor simple. Curb appeal is especially vital at this time of year. If you know in advance that you’re going to list your home for sale during these months, try to have exterior photos (of both the front and back yards) taken before the landscaping turns barren. It’s best to rake away any dead leaves or branches frequently so that your yard looks clean, paying attention to leaves that gather in gutters as well. Also, make certain that all walkways are clear and well lit. Ensure any exterior décor looks tasteful and will not take away from the overall view of the home. This means avoiding placing spooky spider webs across the windows and landscaping, anchoring giant inflatable turkeys in the yard, or mounting illuminated reindeer onto the roof, at least for this year. If stringing lights on your home is important to you, opt for using white lights as they appear more refined than the multi-colored options. Focus on using natural items as more subtle holiday decorations instead. Uncarved pumpkins, seasonal flowers or a simple evergreen wreath on the front door make great alternatives. Inside the home, keep views of major selling features open and easy for buyers to see. Windows should be free of decals, fireplaces unhindered by objects hanging from mantles, bannisters and stairways clear, visible and useful. If displaying trees is necessary, select taller, thinner

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ones to occupy less floor space and accentuate ceiling heights. Keep any tree decorations impersonal and minimal to avoid becoming a focus in the space. Avoid overuse of religious items in your holiday decorations so that all buyers feel welcome. Add additional or brighter lighting since the days become shorter this time of year. Do not leave any gifts (wrapped or not) out during open houses or showings. These items can look all too irresistible for some to leave untouched. Holiday greeting cards should be placed inside a drawer so they’re not on display for all to see. Scents are always key to buyers when viewing a home. Again, using natural sources (apples, cinnamon, vanilla, evergreen, etc.) to create authentic holiday smells are preferred over any artificial attempts. With temperatures getting cooler, adding some cozy elements to your staging efforts are a nice touch. Accessories like plush throws, accent pillows and thick bedding help create warm and inviting feelings for potential buyers. Other staging items that prove helpful when showing your home during the holidays include seasonal fruit, evergreen branches, holly, chestnuts, cranberries, pinecones, etc. When strategically placed, these types of items help homes to feel festive, while not distracting from the selling features of the home. Keep in mind as you decorate for the holidays that If your home does not sell right away, potential buyers will continue to view photos of your home online for the duration of its listing. It could be a turn off for some buyers to see photos of homes with Jack-o-Lanterns spread throughout when viewing the property in January. Properly staging a home to sell during the holiday months, or anytime of year, proves helpful in drawing buyers into a space and placing it above its un-staged competition. As always, the first steps to achieving a well-staged home are depersonalizing, decluttering and deep cleaning. From there, you’re ready to begin decorating!

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Late fall and winter usually provide plenty of tempting reasons to stay indoors, like shorter days and colder temperatures. And, once you’re inside, it seems much too easy to find enticing holiday treats everywhere you look. Fortunately, the holiday season also provides us a unique opportunity to develop a routine that can be followed all the way through the new year.

HERE ARE 5 THINGS YOU CAN DO NOW TO H AV E A H E A LT H Y H O L I D AY S E A S O N SLEEP - Insomnia is extremely common in the U.S. and affects 1 out of every 3 adults at some point in their life. Sleep is SUPER-important for us as it regulates our moods, helps restore our bodies, strengthens our immune systems, and cleans our brains of toxins. EXERCISE - Our bodies are made to move so get up off the couch! We are all tired from work and the business of life, but guess what? You’ll wish one day you went on that bike ride. We should try new things. Doing so requires us to think about what we’re doing, which is good for us. Tension and stress are minimized when we move and sweat. This is key during this time of year. Yoga and deep abdominal breathing are examples of exercises we can do to help us relax and ultimately, get to sleep easier. LIMIT – Too much caffeine and alcohol are bad for our bodies. Try to regulate your intake throughout the holidays. EAT WELL – This time of year is perfect for trying new, healthy recipes. HYDRATE - Drink WATER! Water detoxes our bodies naturally and can also help burn belly fat. Drinking cucumber and lemon infused water helps cleanse us and tastes refreshing at the same time. I hope these tips help you to stay on a healthy track during this holiday season.

Jenny

You can contact me at jenny@jennydeanfitness.com or on Instagram @jennydeanfitness. 43

The Role Access Plays in Getting Your House Sold When selling your house, there are four key elements to a quality listing. At the top of the list is access, followed by condition, financing, and price. Believe it or not, the level of access you provide can be a critical factor in how quickly you’re able to go under contract. Here are five levels of access you can provide to a buyer. Which one will you choose? • Lockbox on the Door – This allows buyers the ability to see the home as soon as they are aware of the listing, or at their convenience. • Providing a Key to the Home – Although the buyer’s agent may need to stop by an office to pick up the key, there is little delay in being able to show the home. • Open Access with a Phone Call – The seller provides a showing with just a phone call’s notice. • By Appointment Only – Example: 48-hour notice. Many buyers who are relocating for a new career or promotion start working in that area prior to purchasing their home. They often like to take advantage of free time during business hours (such as their lunch break) to view potential homes. Because of this, they may not be able to plan their availability far in advance or may be unable to wait 48 hours to see the house. • Limited Access – Example: the home is only available for a couple of hours a day. This is the most difficult way to be able to show your house to potential buyers. In a competitive marketplace, access can make or break your ability to get the price you are looking for, or even sell your house at all. 18

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11023 Sonterra Lane, www.11023Sonterra.com Frisco, TX Frisco ISD Fabulous opportunity to own in prestigious West Frisco with coveted Wakeland High School!! Light & Bright home with updated paint and flooring throughout. Elegant stacked Formals. Curved staircase leads to 2nd floor game room with built-in desk. Split 4 bedroom could be media. Kitchen boasts ample cabinet & counter space with gas cooktop, Corian counters and planning desk all open to family room with brick fireplace. Study down with french doors leading to covered porch makes a great retreat! Master bedroom with spa like bath boasting separate shower, jetted tub, dual sinks and large walk-in closet. Fabulous community amenities include, pool, pavilion and playground.

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7945 Southmark Dr, www.southmark.com Frisco, TX Frisco ISD True 1.5 story plan in popular Queens Gate with fabulous Frisco schools!! Easy entertaining with open style family & adjoining dining. Spacious kitchen with breakfast bar, gas cooktop,tile backsplash & planning desk. First floor Master suite features dual sinks, garden tub, separate shower and large walkin closet. 2 great sized secondary bedrooms on the 1st floor. Large game room with full bath up could be media room or also a perfect 4th bedroom or guest suite. Easy care backyard with covered patio.

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11438 Frontier Drive, www.11438frontier.com Frisco, TX Frisco ISD Hand-scraped hardwoods & custom finishes throughout make this a showstopper! Executive study with coffered ceiling & custom planning nook. Beautiful Chef's kitchen boasting large island, granite counter tops, built-in refrigerator, custom cabinetry, SS-apps, Viking cook-top & DBL ovens. Large Family Room overlooks gorgeous backyard with stunning pool & outdoor kitchen perfect for entertaining. Private first floor Master Suite with Spa like bath featuring his & her sinks & jetted tub. Huge Game and Media room up with spacious bedrooms.

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11209 Covey Point Lane, www.11209CoveyPt.com Frisco, TX Frisco ISD Beautiful Hand-scraped wood floors flow into formals, family and kitchen. Upgraded throughout with High ceilings, Plantation shutters and arched doorways. Chef's kitchen with custom cabinetry, granite counter tops, large island and SS appliances. Spacious Master Suite pleases with vaulted ceilings, wood floors & Spa-like bath with granite & his and her sinks. First floor Guest room with en-suite bath and private office downstairs. Upstairs boasts game room with wet bar and HUGE media or Rec room perfect for entertaining!

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11812 Alexandria Drive, www.11812alexandria.com Mckinney, TX Prosper ISD Upgraded throughout featuring gorgeous wood floors in living, kitchen & study. Formal living and dining flow to Family Great Room w-soaring ceilings & stone fireplace. Chefâ&#x20AC;&#x2122;s dream kitchen boasting huge granite working island, DBL ovens, custom 42in crisp white painted cabinets and gas cook-top. Spacious Master Retreat with luxurious spa bath featuring his and her sinks, vanity, soaking tub and large walk-in closet. Game and Media room with good sized secondary bedrooms on second floor. Patio overlooks huge backyard with plenty of grassy area perfect for pool, play or pets!! Excellent location close to schools, walk to elementary! Coveted Prosper ISD!

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7608 Stoney Point Dr, www.7608stoneypoint.com

Plano, TX Plano ISD Elegant entry leads to dual staircase & Formals. Chef's style kitchen boasts granite counters, SS- apps, DBL ovens, island cook-top, tile backsplash & additional gas stove w-sink in utility. Over-sized breakfast nook w-built-in hutch & wine rack. Large Family Room features 2 story windows that provide abundant natural light. Private master Suite boasts fireplace, handy exterior door to pool & luxurious spa-like bath. Expansive views of greenbelt, golf & lake from patio and walkout balcony off game room. Enjoy private pool and NO HOA. Updated HVAC & roof.

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3542 Hickory Grove Lane, www.3542HickoryGrove.com

Frisco, TX Frisco ISD Amazing curb appeal with high end brick work & front porch elevation. 42 inch glass front door opens to high ceilings with an abundance of natural light. Hand-scrapped wood floors flow into entry & executive study. Cozy patio off formal dining room perfect for great entertaining. Chef's kitchen is sure to please with high end appliances, DBL ovens, white cabinets and huge pantry. First floor Master suite overlooks private backyard with pool & spa. Guest suite down. Large game & media plus 2 additional bedrooms up. This is a must see!! Convenient location close to area Restaurants and shopping.

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2408 Addison St, www.2408addison.com McKinney, TX McKinney ISD Fantastic outdoor living with extended covered porch with swing, huge veranda, separate balcony & covered patio with built-in fireplace! Wooden floors flow into living areas and kitchen. Cozy feel with fireplace in dining, arched doorways, plantation & wood on dual staircases. Beautiful Chef's kitchen with rustic finish-out is sure to please & features custom island w-shelves, farm sink, Viking appliances, double ovens, brick back-splash & pot filler. Private master suite w-patio access, massive closet & Spa-like bath. Second floor w-additional master suite, game room with patio access, media & built-in desks.

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CHRISTIE CANNON

REALTOR THE CHRISTIE CANNON TEAM • Professional Advice & Experience • We provide you with the knowledge you need to make an informed decision • Professional Interior Designer complimentary 2-hour design service before you sell AND/OR after you purchase • More marketing means more potential buyers - our marketing team is in-house • Pre-owned and new build expertise

@thechristiecannonteam cannonteamhomes.com Call or Text 469.951.9588 4783 Preston Rd., Suite 300 | Frisco, TX 75034 | Christie@christiecannon.com