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Abilene Housing Insights: September 2022
The market is changing. Having professional, local, and full-time guidance to guide your real estate decisions is more important than ever. Interest rates have risen more than expected, and positive inflation news remains aloof. The inventory recovery continues to be strong as we get closer to returning to three months of available inventory. Home prices have remained flat since April of 2022.
Seller Reality Check
For a vast majority of sellers the market is in a mostly balanced state. Still slightly favoring sellers, but it’s changed dramatically from what we’ve all been experiencing for the past year. In the Abilene market we’ve seen approximately 15 price reductions come through the MLS every day. If you aren’t adjusting to the new normal and discussing your price with your REALTOR, you need to be! As cost of living continues to rise, higher interest rates increase mortgage payments, and continuing to work with record high housing prices has cooled the insane demand that fueled most of 2022.
Sellers need to expect to make a few more concessions. Some common examples are offering to pay for that home warranty or pay some buyer closing costs. Updates throughout the home have only become more important as the buyer demand has dwindled and buyers continue to show a very strong trend in preferring move-in ready homes. Contractor and general employment shortages continue to pose challenges to the remodel market, and for those buyers who are willing to take on a “fixer upper”. The hot market has left us, for now, and until things change with interest rates and cost of living you can expect the market to remain cool.
I would remind anyone reading this that BHGRE Senter, REALTORS offers upfront, no fees, funding for various home remodel projects when you list your home with us. Several thousands of dollars of funding, a project coordinator, and you just pay at closing! It’s one of the many benefits we offer our clients to get the most profit for your home. Contact us to learn more about this program.
Buyer Relief
For both agents and buyers life is easier. The amount of multiple offer situations has declined drastically. Buyers aren’t having to make offers sight unseen or waiving all of their due diligence items. It’s simply a normal market. This is not to say buyers are without unique challenges of their own. With inflation and interest rates the way they are many buyers are finding themselves unable to afford a home they could have afforded a few months ago. The average mortgage payment has increased by approximately $700 per month since last year due to rising prices and interest rates. That’s a large expense increase for most families!
The Bottom Line
It’s still a good time to be in the market to buy or sell. For buyers, if you know you’re going to live in that home for at least 3-4 years then becoming a home owner to start that path of equity and wealth is still a solid plan. Rent prices have seen similar levels of increase, and interest rates are expected to go down eventually. Whenever that occurs you can refinance your home to take advantage of those lower rates in the long term. Date the rate, and find a home you can enjoy. If you are going to be a short term buyer there is a very strong case to just keep renting as the costs associated with selling your home make it a difficult case to be in your favor.
Sellers still get to enjoy unprecedented amounts of equity in most cases. While homes are sitting on the market a little longer than they used to you will walk away from the closing table with a lot of profit to pursue your next dream. Taking the few extra steps to perform a few high impact updates, and making sure house shows well can make a big difference in this new market.
The market is changing, and data has to be accounted for every week! It’s never been more important to have a full-time and local expert to offer you guidance and advice on your real estate goals. Trust in our 65 years of experience, our local expertise, and high producing REALTORS to get the most out of your real estate transactions. Reach out to the office, or your favorite BHGRE Senter agent, for a free consultation on your current needs.
Until next time!
-Shay Senter – President BHGRE Senter, REALTORS
Abilene Housing Insights: August 2022
A Changing Market
The market is changing. The heavy seller’s market we experienced for a good 15 months is no more. It is still a seller’s market, but not drastically so. Demand has dropped significantly due to inflation, rising cost of living, and mortgage interest rates continuing to rise. The median sales price remains largely unchanged since late March. I wanted to share some insight from NAR chief economist Lawrence Yun that provides a good viewpoint on these issues and how they are impacting the housing market and overall economy.
Still A Good Time to Buy
While housing affordability has become a significant issue if you can afford to buy it’s still a good time to do so. It’s important we remember there is essentially no data to suggest a pullback in housing prices. In fact, all data points to housing prices continuing to rise at much more normal rates of 3-5% annually. Interest rates are expected to increase in the short term, but with very little volatility. The odds are good that if you tried to wait for a slightly better interest rate the increase in housing prices over the course of several months would eliminate any potential gain. I encourage buyers to buy now if they are able and find a home they love. If interest rates change significantly in a few years you can always refinance.
Seller Expectations
The amount of equity in a vast majority of homes has never been higher. You will still get the highest price for your property in history. However, it can take a little bit longer to sell. While homes can still sell quickly I would encourage sellers to begin to plan for 2-3 months of marketing time in most situations, and still expect a 30-45 day closing period after that. Doing some work upfront to improve the curb appeal, fix minor repairs, and make sure the home shows well have also become more important. Demand has decreased slightly, and there are more homes on the market than there has been in almost two years!
As the number of listings continue to increase you need to ask how is your property standing out? Do you have good photos? What kind of advertising campaigns are being run for your property? Is your agent working to get feedback, and being available to answer questions as buyers get more patient and inquisitive? Factors that have mattered less these last two years are now important again as this market shifts back to something that is mostly normal. Reach out to any of our Roadrunners who you can find here: https://senterrealtors.com/our-agents for a free consultation on your home value, determine your equity, and the market conditions for your neighborhood.
Until next time!
-Shay Senter – President BHGRE Senter, REALTORS
Licensed, Unlicensed, and REALTOR: What’s the Difference?
I wanted to take some time today to talk about these three categories of people who can participate in the real estate process, what kind of rules bind each category, and why it’s important to the public to know who they are dealing with.
Unlicensed Individuals & Groups
It’s important that we remember that anyone can buy and sell property. You do not have to be a REALTOR, and you do not have to work with a REALTOR to buy and sell property. In principle it’s not any different than selling that bed on Facebook. If two parties agree to exchange an item then off you go (with a little bit of paperwork).
Where this gets confusing is when private property owners work under their LLC or other official organization. “Real Estate People, LLC” does not mean that entity is licensed or overseen by any licensing force just because they’ve formed a business for it. Why is this important for the public?
Like anything else, there are of course some basic laws that any private citizen has to follow. However, as an unlicensed private citizen they do not have to abide by the license act and further have no code of ethics from the REALTOR organization to oversee them and offer recourse for mistakes or untruthfulness.
I hate to say this, but there are plenty of people out there to scam you in real estate as there are with so many other scams. The unlicensed entity has no ethical obligations to you for disclosure or presenting truthful and accurate data. One of the biggest scams out there, in my opinion, are those going through the assigning process. That is where they make an offer to buy your property and then they sell that contract to another investor. If that person can buy your property, and then sell it for thousands of dollars to another investor, and that investor after all their expenses is still making an acceptable return on their money then the person who sold that property originally is the one getting ripped off.
There are plenty of upstanding private entity’s out there, but beware! The number of unethical groups unfortunately grows every day, and we’ll talk here in a second about why you should always consult with your local REALTOR.
Licensed Real Estate Salesperson
This person is someone who has completed their courses and is officially licensed by their state entity. They must comply with the Real Estate License Act, and there are official methods in place to file complaints if they violate that act. Being licensed does not mean they are a member of the REALTOR organization, they might also not be a member of the local association. This reduces the resources they have access to which can include, but not limited to, MLS, Training, and Broker Support.
REALTORS
Becoming a REALTOR is getting that license and going even further. REALTORS are a membership group that includes further oversight, a code of ethics, additional resources, and more layers of support to the public if the REALTOR violates any rules or makes mistakes.
Going back to my comment on selling a property. If you speak to a REALTOR about selling your potential flip property there are multiple layers of disclosure we are required to discuss with you. We would have to tell you how much the property would sell for as is, the potential upside if you did the remodel work yourself, and then we would tell you what our offer would be to do the remodel and have to disclose how we arrived at that number.
As an investor a REALTOR is no different and still expects to make a return on their money, but we are required to disclose all of that information. This allows you to make an informed decision on how best to proceed with the property to fit your needs. Maybe that is still selling it below market value, and letting someone else do all the work. There is not anything wrong with that, but being informed with truthful and accurate information is a key part of that.
Trust Your REALTOR
We are here for you. To answer your questions. To guide you with expert advice and opinions. To make sure you are making an informed decision about any real estate transaction you are pursuing. Call your REALTOR. Trust your REALTOR. We are committed to the public and protecting your interests, and our organizations take that very seriously if it is ever violated.
I hope you found this informative! Until next time.
-Shay Senter, President BHGRE Senter, REALTORS
Abilene Housing Insights: July 2022
Inventory Recovery!
For the first time since October of 2020 we have over 2 months of housing inventory available. This is mostly fueled by a surge in homes being put on the market, but also by a slight decrease in home buyer demand. The factors we’ve been talking about for months with increased prices, rising rates, and economic conditions reducing the number of buyers in the market are all playing out as expected.
There’s not much else to say this month. Prices have remained mostly flat since April, and are expected to remain so through the end of the year. Marketing times are still down though starting to rise as more homes sit on the market for longer. It’s going to be important for sellers to keep expectations in line with reality as the market returns to a more balanced position. Overpricing your property is still one the easiest ways to hurt your final return and you need to listen to your REALTOR and dive into the latest data for your neighborhood!
Mortgage rates have decreased slightly, and there is not expected to be much variance through the end of 2022.
Until next time!
-Shay Senter, President BHGRE Senter, REALTORS
Eco-Friendly Home Investments
Eco-friendly home improvements can significantly benefit the planet and your wallet. While making choices like purchasing energy-efficient appliances, replacing windows, and switching to renewables to power your home will require an up-front investment, over time, they can make a remarkable difference in the amount of energy you use and waste. Read on as we reveal some of the long-term investments you can make to reduce your carbon footprint while creating a comfortable and eco-friendly home.
Convert Your Home from Gas to Electric
As cleaner, renewable energy sources become more available, the benefits of converting your home from natural gas to electric multiply. Air source heat pumps are considerably more energy efficient than gas-powered furnaces. And while gas line leaks are relatively rare, carbon monoxide poisoning from home equipment is a consideration, particularly during the winter months when windows aren’t open for venting.
The advantages of electric kitchens alone may make you consider electrifying your home, despite the cost of capping off gas lines. Rachelle Boucher, executive chef, electric kitchens expert, and founder of Kitchens to Life, explains to Martha Stewart Living: “‘Natural gas creates unacceptable amounts of pollution with methane and particulate matter in the air. With induction there’s less need for air conditioning and ventilation.’” You are also eliminating open flames in the kitchen, which reduces the chances of you (or your children) being burned or sparking kitchen fires. You might be surprised at another advantage of transitioning to an eco-friendly induction cooktop: faster, precision cooking.
Choose Air Source Heat Pumps
If you have a traditional combustion or electric resistance furnace (or boiler) and want to create a more eco-friendly home, it may be time to transition to an air source heat pump. A modern air source heat pump (aka mini split) is a cooling and heating system that is highly efficient, provides consistent temperature comfort (even in frigid weather), and offers precise temperature controls. It also can save up to 40 percent off your energy bills. Existing state and city energy programs may be available to subsidize your transition — making this investment even more attractive.
Invest in Eco-Friendly Solar Power
One of the best ways to save energy and design an eco-friendly home is to make the switch to solar power. Zillow Lifestyle Expert Amanda Pendleton advises Real Simple: “‘Not only can adding solar panels to a home save energy costs and help the environment, but Zillow research finds homes with solar panels sell for 2.6 percent more.’” While the initial investment is pricey (approximately $15,000), you will start seeing your energy savings immediately. On sunny days, you are likely to generate far more energy than you need to consume; that energy can be traded to the utility. On high-usage days, you still have access to the grid, should you need more power. Additionally, your bill will not fluctuate the way it does when it is tied to fossil fuel prices. There are also numerous tax credits and rebates (federal, state, and municipal) to help pay for your new solar system. In fact, you can get about 30% of the total system costs refunded to you through a federal tax credit when you file your annual income taxes.
Martha Stewart Living recently highlighted the Solar United Neighbors organization that represents “solar homeowners, community-based solar projects, and clean energy” as a resource for anyone thinking of making the change. Think of it as a “Solar Co-Op” where neighbors commit to enjoying the benefits of investing in sustainable energy together. The Magazine applauds: “SUN is especially unique in that it helps homeowners throughout the entire installation process, from recruiting co-op members, to assessing your roof and finding the right installers.”
Add New Layers of Insulation
When your home doesn’t have the optimal amount of insulation, your heating and cooling systems strain to keep your rooms comfortable. The pros at Better Homes & Gardens advise that “[adding] fiberglass insulation to your attic floor and house walls [can] save up to 20% on heating and cooling costs,” as it can significantly mitigate energy loss. Other insulation products, like mineral wool, polyisocyanurate panels, sheep’s wool, and denim insulation are also environmentally friendly options The Spruce recommends.
Install Skylights
Maximizing your home’s access to daylight can be critical to keeping energy use low. The experts at Better Homes & Gardens suggest hiring contractors to “install skylights in rooms with no windows.” As the Magazine advises, well-positioned skylights can bring so much daylight into your space that “during the day, you might not need to turn on a light.” Skylights can also help you warm the room naturally during the colder months. And not only can skylights improve the value of your home, but you may be eligible for tax credits to help offset the cost of installation.
Upgrade to Energy-Efficient Windows
If you want to upgrade to a more eco-friendly home, it might be time to invest in new windows. Real Simple is a fan of installing double-pane options. The Magazine reports: “According to the Edison Electric Institute, heat leaks through a single glass pane about 14 times faster than it does through a well-insulated wall.” The experts at Better Homes & Gardens agree and suggest looking for “Energy Star-rated windows” that are “labeled low-emissivity (low-E) or spectrally selective,” which reduce “thermal heat transfer.”
Buy a Tankless Water Heater
If you have started assessing your options for replacing your current water heater, you’ll want to consider the benefits of transitioning to a tankless system. While swapping your system will require a bigger investment than replacing it with a more conventional model, experts estimate that tankless water heaters can reduce your energy usage by up to 25 percent and significantly limit water waste – a particularly appealing benefit if you live in areas of the United States that are plagued by drought.
For homeowners, a whole-house tankless water heater is likely to be more beneficial than installing point-of-use tankless heaters because, as The Spruce explains, these “units have higher GPM flow rate capacity and can handle the demand for more than one fixture at a time.” Among the units favored by the Magazine, the “Rheem Performance 7.03 GPM Tankless Electric Water Heater” gets a nod for the best overall electric unit because of its performance and ease of operation.
Purchase Energy Star Appliances
Better Homes & Gardens cautions: “Major appliances are your home’s third-biggest energy hog, behind heating, cooling, and water heating.” It’s not surprising that investing in eco-friendly Energy Star appliances can lead to a significant reduction in energy waste and sizeable savings on your bills. The Spruce reports, “appliances carrying the Energy Star rating typically are 10 percent to 20 percent more energy efficient than non-rated models.” Check the bright yellow EnergyGuide labels that specify each appliance’s annual energy consumption and the costs of operating the machine while investigating which models will work the best in your home.
Landscape to Save on Energy Costs
Creating eco-friendly homes includes making smart landscaping choices. In regions that will support them, Better Homes & Gardens proposes “[planting] deciduous trees on the south and west sides of your house” because [in] summer, the leaves will shade your house; in winter, the bare branches will let the sun through for added warmth.” In areas experiencing water restrictions due to drought, consider removing grass in favor of sustainable native plantings that require less water while still attracting and supporting birds, butterflies, and bees.
Abilene Housing Insights: June 2022
Inventory Recovery
The inventory recovery continues in full swing. We’ve come along ways from our low of less than 1 month of inventory. A healthy inventory is generally considered to be 2.5-3 months of inventory. We’re getting closer. Rising interest rates combined with home prices that continue to rise have slowed buyer demand. Small sections of the market with updated homes will continue to sell fast and usually at slightly above market price. The broader market is starting to resemble what we were all used to before the pandemic.
Inflation & Affordability
It’s not all great however as housing affordability has never been worse. According to research from the National Association of REALTORS a year ago families were typically earning 50% more than the average qualifying income for a mortgage. That number has seen a massive adjustment to families only earning 3% more than the average qualifying income for a mortgage.
The inflation in housing costs outpaces the general inflation issues we are all dealing with. However, it’s important to realize that the chances of this being a bubble are extremely unlikely. Housing prices are going to continue to increase in the years to come, just at a much more normal rate. If you are waiting to buy it’s unlikely you’re going to be any better off than you are now. You can always refinance if rates have a significant reduction in the future, but the housing prices are going to continue to increase.
We’re Here to Help!
If you are thinking about buying make sure you check out our buyer guide you can download for free by clicking here!
If you have any questions about the market, buying, selling, or commercial real estate in Abilene give us a call! One of our full-time professionals who specializes in that section of the market will be standing by to give you guidance and advice.
Until next time!
-Shay Senter, President BHGRE Senter, REALTORS
Abilene Housing Insights: May 2022
The New Normal for Abilene Homes
The world is still adapting to the new normal, and real estate is no different. I talked about this a little bit in last month’s post, but it’s more relevant as we move forward. Prices *ARE NOT* up another 15% compared to the past several months. The median sales price statistic does not tell the story of individual home values. What we continue to see on this metric is that the only homes that have come on the market under our “new normal” are higher priced homes. May of last year was just beginning to see the dramatic rise in home prices here locally in Abilene that occurred throughout 2021. Prices are up from a year ago, but not drastically so compared to the last 6 months.
Abilene Listing Inventory
Listing inventory is in the beginning of a recovery. Homes on the market and our inventory which factors in the number of homes sold are all improving. Home owners that are looking to sell homes in Abilene can still expect a sellers market in most cases for the foreseeable future. The easiest listings to overprice as the market adjusts, and combined with rising mortgage interest rates, are homes that are not updated and require some work. The buyer preference of not wanting to deal with additional work to make the home ready for their needs is stronger than ever. That aspect of market behavior absolutely must be taken into consideration when pricing those properties that could use some work.
Abilene Home Buying Struggles
For updated homes in high demand price ranges between $250,000-$350,000 competition is fierce. Homes sell extremely quickly, buyers are competing against multiple offers, and continuing to pay over asking price to be the winning bid. Mortgage interest rates increased above 6% this week as the fed continues to take measures to combat rising inflation. All time high prices combined with the highest mortgage rates we’ve seen in several years make affordability a challenge. This will continue to be a factor through the end of the year. Demand will decrease as these conditions are expected to remain unchanged. This is not all bad news for the market as the record low interest rates was driving an extreme surge in buyer demand that was a key factor in our current inventory shortage. Sales prices and rent rates have finally caught up with several years of underproduction in housing supply.
Call BHGRE Senter, REALTORS!
We are here for you, and have been for the past 65 years. This market has never been changing so fast, and our expert REALTORS are standing by to offer you guidance and advice. Whether you are buying or selling there has never been a more important time to have full-time representation. Our REALTORS are operating in this market every single day, and are ready to put that experience to work for our clients. We set a company record in May for under contract sales by representing Abilene home buyers and sellers aggressively, professionally, and full-time. Expect Better when you work with us, and call us today to discuss the next stage of your real estate journey.
-Shay Senter, President BHGRE Senter, REALTORS
REALTOR Minute: Rent vs Buy
June is National Homeownership Month!
As REALTORS we support the right to home ownership and believe it is a tremendous way to generate wealth. However, buying is not always the universally correct answer. There’s no need to make it overly complicated, but the guideline we often give our clients is that you need to plan the own for four years. Why does it take four years?
- Down payment costs
- Maintenance costs
- Taxes and Insurance
- Closing costs when you sell
While you might very well get a check at closing in a much shorter time frame than four years. When you go back and factor in these other costs that renters typically don’t have to deal with that is where the four years of equity comes into play to make it a profitable venture. This gap only widens the longer you own the home. While 2021 was a large outlier in price increases, and will swing that time frame in the short term if you bought in the last twelve months, we don’t expect that to repeat any time soon.
When you’re thinking about buying ask yourself if you believe you’ll be in that home for four years. If the answer is yes then it can be worth a little pain and extra effort to purchase a home for the longer term benefits and equity. It’s our job to guide you through the process and we will be with you every step of the way. From connecting you with local lenders we trust, guiding you through how to make an offer in this market, walking you through the inspection reports, and being by your side as you sign the closing documents! One of our full time REALTORS will always be there for you. Call us if you have any questions about how you can begin the journey to home ownership and begin building additional wealth today!
Abilene Housing Insights: April 2022
Median Price & Active Listings
Median price has been a tricky metric to process the past 12-15 months looking at year over year reporting. Did the median price of the homes that sold increase? Yes, clearly. Did the prices of homes increase by that same amount? No. This was more clear when we talked about this in February, but the same principle applies here. As new construction continues to be a dominant player we are simply seeing home buyers purchase more expensive homes. The price of those homes is certainly not up by 25% from a year ago, but the behavior of buyers continues to shift.
There has been an overwhelming trend of buyers preferring to purchase homes completely move-in ready and that are updated. Whether this is new construction or nicely remodeled homes the preference is very clear, and buyers have shown they are willing to overpay more eagerly to get this type of home compared to ones that need more work. As we head into the late spring and summer sales season we are also seeing the expected increase in active listings. There is still a long way to go there, but it’s getting better.
Buying Experience
While things have gotten better, not much has changed for buyers in this market. You will almost always find yourselves in a multiple offer situation, and homes that are nice are selling extremely quick. Don’t hold back your best offer if you love the home. We will work with you to guide the reasonability and protections in your offer, but now is not the time to stress over $5,000-$15,000 on the sales price if its a house you love. We still hear too often the buyers say “well we would have offered more”. If that is the case, don’t wait! Make that offer your first offer, you have to come in strong in this market or you will not be the winning offer.
Selling Experience
Sellers continue to enjoy a sellers market. Homes sell quick, and at the highest prices in history. However, there is a crucial mistake that sellers can still make related to comments on buyer preferences above. If the home you are trying to sell is not updated, and needs work, you can not expect to get the same top of the market values as those that are. This is particularly an issue in that $120,000-$180,000 price range. Yes, the inventory is tight, but buyers are not willing to overpay for a home that needs updates. Updates are expensive and slow in the current state of the supply chains and labor markets.
This creates opportunity for sellers to have a great ROI on high impact updates, but that is not always an option. Our BHGRE RealVitalize program can assist this to some degree by providing thousands of dollars of upfront funding for those high impact updates guided by consultation from one of our REALTORS. If you are not able to do that work either with our program or on your own it is crucial that you heed the pricing guidance of your REALTOR.
Mortgage Rates
We see mortgage rates continue to rise, and rates are expected to rise more in the coming months. As I’ve discussed in past housing updates this is keeping a cap of rising sales prices, and beginning to balance the supply/demand equation as more listings come during this active selling season. When you look back at 2008 and as people try to make comparisons of now to then it’s important that we keep two crucial factors in mind that are different right now.
First, lending practices are much more strict than they were in 2008. Secondly, in 2008 there was a large surplus of housing which we definitely do not have here in 2022. Anyone expecting a crash is going to be disappointed, and we expect prices to continue rise slowly over the year. We aren’t going to see another 20% increase like we saw in 2021, but I firmly believe you are not going to see prices go down either.
Until next time!
-Shay Senter, BHGRE Senter, REALTORS President
The Distinctive Collection: More Than a Name!
The Distinctive Collection: So Much More Than a Name
It seems like every real estate brand in the world is taking their logo and slapping some kind of luxury tag on it, but is it actually different from their normal services? Some of them are, some of them aren’t. Here at BHGRE Senter, REALTORS we are building a different real estate experience for all of our clients. Not only do you get world class real estate representation, but the Better Homes and Gardens brand allows us to deliver lifestyle content, products, services, and continue to provide value to our clients before, during, and long after your transaction is complete with us. The Distinctive Collection program adds another layer for our luxury clients.
When you are considering listing your luxury home ask yourself if their luxury program can do all of the following:
- Is there a nationally branded website that is specifically promoted to luxury buyers both locally and around the nation?
- Do you get access to recent luxury lifestyle and home trends from celebrity designers?
- Do you get a special discount to a celebrity designers luxury product line?
- Do you have a utility and moving concierge to give you additional discounts to services and products you’ll need for your move?
- Do you have a digital magazine published every quarter that features amazing listings around the globe, including your own here in Abilene?
- Do you get a robust paid advertising package and not just have your home sit on a few websites?
- Do you get 65 years of Abilene real estate experience to guide your decisions?
- Do you have 100 years of lifestyle content from Better Homes and Gardens delivering value to you?
When you have a home that qualifies for The Distinctive Collection the answer to all of these questions is YES! To see the latest blog and magazine from The Distinctive Collection click here.
If you’re looking for world class representation to sell your luxury property in Abilene give us a call! For homes like no other there is a program like no other. Building a real estate experience that brings you value beyond your transaction is our mission, and we’d love to tell you more about all the benefits we can bring to you. Our work never ends to continue to deliver the premier real estate experience in Abilene and The Big Country. Contact Us!
See you on our next blog!
Shay Senter – BHGRE Senter, REALTORS President & Owner
