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January 2020 Homebuyers: What’s your worry? The new home run: finding a nice, affordable rental Who will choose the appraiser? Why homeowners are happier than renters A home seller’s greatest fear? The unknown Sellers: Think spring in February
HOMEBUYING TIPS
Homebuyers: What’s your worry? Table of Contents
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4 Business Directory • Ricker Real Estate • Alaska USA Mortgage: Mac Carandang • Coldwell Banker: Race Realty
6 Exit Realty of Juneau 7 Coldwell Banker: Gwen Place 10 Alaska USA Mortgage 12 Southeast Alaska Real Estate: Karen Wright Realtor®
Studies show buyers are stressed through their entire buying process homeowners-- report a big boost in emotional well-being from owning. And, 77 percent of owners are more satisfied with their financial “Managing well-being, compared to perfectionism requires non-owners.
BY MARILYN KENNEDY MELIA Publisher/Vice President, Sound Publishing, Inc. Terry Ward tward@soundpublishing.com
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CTW FEATURES
I
t’s the destination, not the journey. Buying a home has long made it to the top tier of stress-inducing events, and it’s holding that dubious honor.
understanding that there are always tradeoffs and that ‘good enough’ is usually good enough”
One recent survey from Homes.com of 2,000 Americans found that forty percent describe home buying as “the most stressful event in modern life.” Another 44 percent said they felt nervous throughout the entire home buying process.
So the findings “2019 Fall Homebuyer Insights Report” from Bank of America seem puzzling, in that respondents – already
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The disconnect is likely because “the buying phase is probably treated as a different time than the owning phase, in much the same way people regard the job search phase as different from actually working on the job,” explains Leaf Van Boven, a psychology professor at the University of Colorado. To make the buying process less trying, it may help to “think about what your life will be like with homeownership after six months, a year, 10 years,” suggests Jeff Kreisler of
PeopleScience.com. “The more we can emotionally connect to that future self, the stronger the pull he or she will have to overcome the emotions of the present.” Realize, too, that some anxiety in the process is natural, says Kit Yarrow, author of “Decoding the New Consumer Mind”. The purpose of this unpleasant emotion is to alert threats and increase our vigilance. “Honor the warning and use it as a cue to do more research on the home… Make lists, do pro/con exercises, ask questions,” says Yarrow. Perfectionism usually is anxiety’s close companion. “Managing perfectionism requires understanding that there are always trade-offs and that ‘good enough’ is usually good enough,” Yarrow concludes. © CTW FEATURES
BUYING VS RENTING
Why homeowners are happier than renters New study shows owners experience higher financial well-being
BY ERIK J. MARTIN CTW FEATURES
O
wning a home can have its ups and downs. While you have the opportunity to build equity and personal wealth, customize your dwelling to your liking, and enjoy some tax breaks, you also have a lot more responsibility— including the costs and hassles of upkeep, property taxes, and insurance. Yet the results of a new report reinforces what experts have long maintained: that buying and owning a home is usually better than renting. The 2019 Bank of America Homebuyer Insights Report reveals that 93 percent of Americans are happier after purchasing a home, and 83 percent would not want to return to renting. What’s more, 88 percent of respondents believe that buying a property is the best decision they’ve ever made; and nearly eight in 10 agree that owning a residence has changed them for the better. So why are owners better off and more content than those who rent? Kathy Cummings, homeownership solutions executive for Charlotte, North Carolinaheadquartered Bank of America, says the reasons are multifold. “Homeownership offers mental, emotional and financial stability,” she says. “Emotional stability because more people are buying homes for emotional reasons like making memories rather than as a financial investment (58 percent vs. 42 percent, respectively). Financial stability because, when compared to prospective buyers, current owners have higher levels of satisfaction with many aspects of life, including their financial well-being” (42 percent vs. 77 percent, respectively). And mental stability, as having a space you can call your own inspires new ideas on how to spend your time. Seventy-six percent of owners, for instance, pursue new hobbies like landscaping, gardening, cooking, and remodeling.” Chase Lawson, bestselling author of the 2019 book “Financial Freedom: Breaking the Chains to Independence and Creating Massive Wealth,” echoes those thoughts.
“When you own a home, as opposed and improvement,” notes Aaron Marshall, to renting, you feel more attached to and CEO/co-founder of Keyrenter Property proud of your residence. When renting, Management in Midvale, Utah. you have more fluidity and Also, Lawson says it’s easier to move someyou can likely count on Consult a lending where new, which keeps values rising specialist to get an housing renters from becoming 3 percent to 5 percent emotionally attached to assessment of your annually, depending on their living quarters,” says market, which can finances. Consider your Lawson. make owning a worthy where your life While home prices investment. remain high and out of is headed and “When you rent, every reach for many renters, dollar you pay, you will what you want to the truth is that rent price never see again,” adds inflation has outpaced accomplish along Lawson. “By contrast, home prices in many when you own, you have the way areas. something tangible you “Rents in many marcan leave to your next kets have skyrocketed and will continue generation.” to get more expensive. With a home, the That’s not to say that buying and ownonly two main things that increase when ing a home is ideal for everyone, of course. you have a fixed-rate mortgage are the “Renting gives you an opportunity to property taxes and costs of maintenance
explore an area before planting roots. Single people, younger people, folks who need flexibility, and those who are new to an area are probably better off renting,” Marshall adds. Also, “if your job is likely to relocate you in a short period or if you face uncertainty in your near future, renting may be a better option,” says Lawson. If you’re on the fence and not sure whether you should buy or rent, do your homework. “Consult a lending specialist to get an assessment of your finances. Consider where your life is headed and what you want to accomplish along the way,” recommends Cummings. “This can help you determine if you’re ready to buy soon or if it makes more sense to rent for the time being.” © CTW FEATURES
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Home & Real Estate Business Directory
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TIPS & TRICKS
The new home run: finding a nice, affordable rental
BY MARILYN KENNEDY MELIA
landlords.
CTW FEATURES
Ironically, says Jeffrey Fagan, president of the Orlando [Fl.] Realtors Association, “With today’s low-interest-rate and high-rental rate environment, homeownership is the less expensive long-term option.”
Y
oung families are finding that their dream home -- with a yard, in a good school district and neighborhood – is hard to find at a reasonable price. No news there: except we’re not talking about homes for sale, but rent. During the last decade’s housing crisis, large investment firms started buying and renovating distressed homes to rent. With rental demand staying strong, firms are still buying and are even constructing new homes to rent, some in rental-only subdivisions. These join the long-time stock of single-family rentals held by “Mom and Pop”
Industry observers say some would buy, but don’t have a down payment. Homes rent for a median of $2000 monthly in many areas, according to Todd Teta, of ATTOM Data Solutions, leaving families “paying close to – or more – than they would as owners.” The newly built or recently renovated rental houses owned by investment firms are concentrated in states like Florida,
Texas, and Georgia, with strong population and job growth, says Gary Beasley, CEO of Roofstock. Beasley and Fagan offer these tips to find affordable rentals:
Keep pay stubs and W-2 ready. Monthly income usually needs to be three times rent.
“With today’s low-interest-rate and high-rental rate environment, homeownership is the less expensive long-term option.”
Ask a real estate agent to send new rental listings as soon as they appear. An agent may also help you negotiate rental contracts. If you’re eying a few rental communities or homes, call the listed property management and tell them of your interest.
Have references ready – use professional contacts, not just family or friends. If you can pay a few months’ rent in advance, you might negotiate a lower rate. Just like mortgage lenders, property managers look at credit scores; know what’s in yours. © CTW FEATURES
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ASK OUR BROKER
Who will choose the appraiser? PETER G. MILLER CTW FEATURES
QUESTION: Our lender tells us we cannot pick an appraiser when getting a mortgage. He also says the lender cannot pick an appraiser. Since we’re paying the bill, why can’t we select an appraiser? And if we can’t pick an appraiser and the lender isn’t picking the appraiser, then who is? ANSWER: No direct party to the transaction — not the buyer, the seller, or the broker — can pick an appraiser when getting a mortgage because they each have a financial stake in the valuation, they each want a particular outcome. Lenders used to select appraisers but now generally use appraisal management companies (AMCs). The reason for AMCs is to prevent appraisers from being pressured by
MIKE BAN
ASSOCIATE BROKER 209-6842 MIKE BAN mikebanatexitrealty@gmail.com Associate Broker
lenders to reach a certain number. You, as a borrower, pay the AMC fee and the appraiser’s fee, but you are not the “client.” The client is the lender. The AMC — which chooses and engages the appraiser — is an agent of the lender. First, you didn’t pick the AMC or the appraiser, but you pay the bill. Borrowers have no way to negotiate the fee. Second, since you’re not the appraiser’s client, your interactions with the appraiser can be limited by the lender. You will receive a copy of the appraisal; however, it may be that the appraiser will not be allowed to discuss the valuation with you or answer
your questions. Third, in many cases, the closing documents show only an “appraisal fee” when you’re paying for two different services. If the fee is not divided, you have no idea what you paid for the appraisal and what you paid for AMC services. “When a consumer receives the itemized costs in their mortgage at the closing table,” said the House Financial Services Committee this summer, “often the cost of the appraisal lumps together the fee given to the appraiser and the fee given to the appraisal management company. Several states require the separate disclosure of these fees to ensure transparency for consumers, but under federal law, it is still optional to disclose these fees separately.”
ASSOCIATE BROKER 723-9333 Associate Broker ja@alaskan.com
321-3325 Marty-lentz@gci.net
MARTY LENTZ
72-9333
209-6842 mikebanatexitrealty@gmail.com
321-3325
If the Transparency Act passes, it’s likely to stir considerable discussion because it will require closing documents to show what portion of the appraisal fee goes to appraisers and what part goes to AMCs. Some appraisers complain that borrowers don’t know that AMCs are sometimes getting 50 percent of the fee — and even more in some cases. Keep your eye on Capitol Hill. There’s no reason borrowers should not know how appraisal costs are being divided — or what appraisers are really paid. Email your real estate questions for Mr. Miller to peter@ctwfeatures.com.
The House, at this writing, has passed H.R. 3619, the Appraisal Fee Transparency Act of 2019. This is a bipartisan measure with support from
JANET JANET ARGEVITCH ARGEVITCH
MARTY LENTZ
both Democrats and Republicans. To be enacted, it must also pass in the Senate and be signed by the President.
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SELLER STRATEGIES
A home seller’s greatest fear? The unknown with your agent. “Ask your agent to thoroughly explain what to expect within your market, including probable scenarios likely to occur, and strategies you can pursue to stick to your desired schedule,” suggests Edlen. Count on staying in touch with your agent regularly regarding your home’s activity, too. “Hold your agent accountable in terms of what marketing efforts they are doing each week to make sure they get your home in front of as many people as possible,” Albert urges. Additionally, “get a pre-listing inspection, and make as many of the repairs as possible before you go to market,” advises Lilli Schipper, vice president of The Collection Realty in Fort Lauderdale. This way, “you address the issues before they get worse, help the home be more attractive, and ensure that a future inspection will go smoothly.”
Why uncertainty causes more stress than showings and repairs prep a home for sale (52 percent), trying to time the sale of a current residence with the purchase of a new home (51 percent), maintaining a market-ready home (43 percent), and the need to vacate the property for open houses and tours (39 percent).
BY ERIK J. MARTIN CTW FEATURES
H
ome sellers certainly have a right to be nervous. After all, a lot can go wrong when trying to find a buyer and complete the transaction—from Rick Albert, a broker associate with appraisal surprises to costly requests for LAMERICA Real Estate in Los Angeles, repairs to buyer contingencies inserted says all of these concerns are normal and into the contract. But new research sugwarranted. gests that uncertainty, particularly about price and timing, make “It’s totally understandIf you need to a seller’s blood pressure able to feel excess stress as rise the most. a seller. For most people,
sell quickly, competitive pricing might help to attract offers fast. Just be sure not to price your home too low, as that can backfire
8
A recent survey of sellers by Zillow reveals that 95 percent regard some aspects of selling a home to be stressful. But the single largest sources of worry are not knowing if a property will sell within the desired window of time (as chosen by 56 percent), being unable to sell for their desired price (53 percent), and fears of an offer collapsing (52 percent). Other anxieties include making needed improvements to
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this is the biggest financial investment of their lives. They want to make sure their investment pays off. And this is especially stressful if they are trying to get into another home and need this one to sell to make that happen,” he says. “There are a lot of moving parts.”
David Dubiansky, Realtor with Tampa-based Smith & Associates Real Estate, isn’t surprised unknowns like price and timing top the
New York City real estate agent Ruth Shin, CEO of PropertyNest, recommends exploring financing options like a bridge loan to make it easier to buy your next home and reduce the uncertainty of your current home selling.
most stressful list.
“Sellers who need to buy another home know they must get a certain price for their current home; if the offer on their home Hold your agent for sale falls through, accountable in the reality is that the offer on their next terms of what home will most likely marketing efforts fall through, too,” says Dubiansky. they are doing each But just because it’s normal and common to feel pressure, it doesn’t mean that you can’t reduce that tension and feel better about the experience.
week to make sure they get your home in front of as many people as possible
“Much of this stress is unnecessary because the seller actually does have a lot of control over things like how long it will take to sell and what the home will likely sell for,” says Michael Edlen, a broker associate with Coldwell Banker Residential Brokerage in Pacific Palisades, California. To cut your level of stress, work closely
“Or consider a shortterm rental to alleviate that stress of buying and selling at the same time,” Shin adds. Lastly, be realistic when determining your home’s value. “Don’t assume you have the best house on the block and don’t shoot for the moon on your asking price,” says Albert.
Remember that any property should sell at the right price. “If you need to sell quickly, competitive pricing might help to attract offers fast. Just be sure not to price your home too low, as that can backfire,” Shin notes. © CTW FEATURES
TIPS AND TRICKS
Sellers: Think spring in February spring “unofficially begins after Super Bowl weekend.” Market conditions in your area, though, dictate whether it’s worth it to hurry: How long have homes like yours taken to sell? In 2019, listings for homes – especially those priced in the lower or middle range – were scarce in many areas.
Pricing below optimal level might result in a bidding war between buyers if there’s significant pent-up demand, but it’s a risky strategy
“Ask an agent for the average length of time homes like yours have been taking to sell and “if it is three months or less,” look for an early advantage, says Norm Miller, of Collateral Analytics.
BY MARILYN KENNEDY MELIA CTW FEATURES
N
o doubt you’ve heard that utterance since it’s common knowledge that the real estate market comes to life in spring. Sellers, though, might have an advan-
tage if they turn intention into action to list early in the season. In fact, there’s less preparation time than you might think. In many markets, as in the Tarrytown, NY, area that Christopher Pagli of Raveis Legends Realty Group, works in, the
yours guide pricing. Without many recent winter sales, other metrics like time on the market and price appreciation trend help pin the listing amount.
Tight inventory of mid-range homes in his market means there’s a pent-up demand ready to pounce on new listings, agrees Pagli, and “you might sell before a lot of competition comes on.”
Pricing below optimal level might result in a bidding war between buyers if there’s significant pent-up demand, but it’s a risky strategy, says Miller. Buyers tend to regard listing amounts as an anchor and hesitate to pay much more. Don’t hurry if you’re not ready.
While early entrants face less competition from other properties, but the whole aim of getting a reasonable price quickly is undermined if you’re putting “until proper preparations are made,” like cleaning and de-cluttering, notes Mike Ferrante, of Century 21 Homestar, Solon, OH. © CTW FEATURES
Carefully consider the right price. Recent sale prices of homes similar to
84% The percentage of millennials who would be willing to forego key amenities in favor of their ideal neighborhood.. Source: Trulia © CTW FEATURES
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RECIPE OF THE MONTH
Valentine Hearts
RECIPE AND PHOTO BY RASHMI
INGREDIENTS
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1 puff pastry sheet Beaten egg to glaze Caster sugar for sprinkling 8 -10 tablespoons Crème fraiche (you can add according to your choice both crème and strawberries) 100g Fresh strawberries ½ cup Plain chocolate melted
PREPARATION 1 Preheat oven to 220 degrees C (425 F) 2 Thaw the pastry sheet according to the instructions on the box. Unroll pastry sheet and cut around 8 hearts with a heart shaped cookie cutter. (I used medium sized cutter of a set of 3) 3 Prick each heart with a fork, brush with beaten egg and sprinkle lightly with some sugar.
4 Place these hearts on a greased baking sheet and bake for about 10min until risen and golden brown in color. Let it cool. 5 Slice the strawberries and split the heart horizontally using a sharp knife. 6 Sandwich the heart together with crème fraiche and sliced strawberries. Drizzle the chocolate and dust some caster sugar over the tops of the heart.
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