Agency News and Awards • August 28, 2020

Meet Ryan Fisher

by Nicole McCormick

Chapter One: How Ryan met Geoff

Ryan Fisher comes to the Green Team with a distinction that no other sales associate can claim. Ryan and Geoff Green went to the University of New Hampshire together. After college, they worked together in the mall industry. That’s when Geoff recruited Ryan to Pyramid Management Group. Ryan was a top-performing specialty leasing representative at Palisades Shopping Mall. Within two years he grew to be in the top four producers in the company. During his time with Pyramid, Ryan honed skills and techniques that he uses to this day. He learned how to canvas and generate leads. He also learned the art of follow-up and setting appointments. Most importantly, he learned how to close. Ryan also developed the habit of setting goals and acquiring the positive mindset it takes to accomplish them.

Chapter Two: New England, Taxis, then Real Estate

Ryan decided to return to New England. For 12 years he owned and operated a taxi company on Martha’s Vineyard. It was here he learned to run a business from start to finish. Using connections from his university days, he hired students to work each summer. Furthermore, many of them returned to work for multiple summers. He grew the business acquiring a second medallion. This allowed him to operate in two towns with a fleet of 12 vehicles.

Somehow, during this time, he also managed to get his real estate license in Massachusetts. When it came time to buy, Ryan was able to negotiate a seller-financed deal to buy the mixed-use property he ran his business out of. After the purchase, Ryan developed the property by replacing the not-to code garage with a commercial garage with an apartment on top. He eventually sold the taxi medallions, but still owns the property and rents both the commercial and residential units out.

Chapter Three: Ryan and Geoff, Together Again!

Once again, Geoff and Ryan began collaborating on a business idea. Geoff pitched the idea of REALLY – The Business Referral Exchange™. Referrals within real estate are fragmented. REALLY offers Business professionals the chance to network and grow their business. Ryan was intrigued. He had always thought real estate would be a good fit. Ryan loves working with people and enjoys the challenges that come in this field. He was also eager to play a part in helping REALLY grow. Furthermore, It seemed a natural fit to join the Green Team.

Ryan is currently licensed in both Massachusetts and New York. He is happily married with two children and a dog named Mona. Ryan and family moved from New England to Warwick. Ryan brings to his real estate business a unique and extremely relevant skillset. He also brings his love of music, drumming in particular. Of course, Ryan and Mona the dog enjoy hiking and outdoor activities.

Buying a home • August 20, 2020

Home Insurance Myths and Misconceptions

by Nicole McCormick

Geoff Green, President of Green Team Realty, and Garret Durland of Seely & Durland Insurance presented a webinar on myths and misconceptions people have about Home Insurance. Also joining the conversation were Michelle Dixon and Brianna Smith of Seely & Durland. This local insurance agency has been an important part of Warwick since 1934. Presented live on Facebook Thursday, August 13, the information they shared is important to all homeowners. If you were unable to catch it on Facebook Live, you can view the webinar here. In addition, below you’ll find a summary of some of the topics discussed.

Home Insurance. Can’t Live with it. Can’t live without it!

Three out of five homes are underinsured. There is a misconception between market value and insurable replacement cost. A difference exists between what the home sells for versus what it costs to rebuild a home. Thus, replacement cost often exceeds market value.

Common Home Insurance Exclusions

Learn what the most common exclusions are. Also, learn about specific coverage available for some of these exclusions. It’s interesting to note that flood losses can include damage from a broken water main (surface water entering a home).

Home Insurance to cover Home Businesses

With more and more people operating a business at home many lack coverage, leaving them financially exposed. There are options available to provide needed coverage. There is also coverage available for “businesses” by kids. For instance, snow shoveling, landscaping or lawn mowing for neighbors.

High-Value Items

The standard homeowner’s insurance policy provides coverage up to a set amount for lost or stolen valuables. However, high-value items can be covered on a floater based on their appraised value. This includes jewelry, furs, guns, coins, watches, etc.

Fallen Trees Coverage

A tree falling on your property is only covered if it does damage to a structure or blocks your driveway. There have been many storms impacting our area. Therefore, it’s important to understand the limits of your Home Insurance coverage.

Personal LIability

Did you know that if your child slanders someone on social media, that may become a situation requiring personal injury coverage? A reminder that people must be careful about what they are posting online. Personal injury coverage can be added to your Home Insurance policy An umbrella policy is an excess liability policy. It provides coverage over the limit on your home, auto, etc.

Answers to often-asked questions/Ending on a positive note.

Something most homeowners wonder about is the effect of filing multiple claims. Also of interest, what if you do Airbnb, HomeAway, or VRBO. How are these being covered by insurance companies? In addition, what impact does your credit score have on premium rates? Find the answers in the webinar. Most importantly, there are ways to save on Home Insurance. Check out the tips discussed to see if you qualify for savings. Finally, view the informative follow-up discussion with Geoff Green and Garrett Durland,

Contact Information

Seely & Durland Insurance is located at 13 Oakland Avenue, Warwick NY. Their direct line is 845-986-1177. You can also visit their website at seely-durland.com.

Mortgage and Home Loans • August 18, 2020

Mortgage Rates & Payments by Decade [INFOGRAPHIC]

by Better Homes and Gardens Green Team

Some Highlights

Sometimes it helps to see the dollars and cents you’ll save when you purchase a home while mortgage rates are low.
It helps to get a rough idea of what your mortgage payment will be at different rates.
Today’s low rates mean it’s less expensive to borrow money, so the savings over the life of your loan is significant.
Connect with one of our Real Estate Sales Agents to determine the best way to position your family for a financially-savvy move in today’s market.

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Selling a Home • August 18, 2020

Sellers Are Returning to the Housing Market

by Better Homes and Gardens Green Team

In today’s housing market, it can be a big challenge for buyers to find homes to purchase, as the number of houses for sale is far below the current demand. Now, however, we’re seeing sellers slowly returning to the market, a bright spark for potential buyers. Javier Vivas, Director of Economic Research at realtor.com, explains:

“Seller confidence has been improving gradually after reaching its bottom in mid-April, and now it appears to have reached an important recovery milestone…After five long months, sellers are back in the housing market; while encouraging, the improvement to new listings is only the first step in the long road to solving low inventory issues keeping many buyers at bay.”

Even with the number of homes coming into the market, the available inventory is well below where it needs to be to satisfy buyer interest. The National Association of Realtors (NAR) reports:

“Total housing inventory at the end of June totaled 1.57 million units, up 1.3% from May, but still down 18.2% from one year ago (1.92 million). Unsold inventory sits at a 4.0-month supply at the current sales pace, down from both 4.8 months in May and from the 4.3-month figure recorded in June 2019.”

Houses today are selling faster than they’re coming to market. That’s why we only have inventory for 4 months at the current sales pace when in reality we need inventory for 6 months to keep up. But, as mentioned above, sellers are starting to return to the game. Realtor.com explains:

“The ‘housing supply’ component – which tracks growth of new listings – reached 101.7, up 4.9 points over the prior week, finally reaching the January growth baseline. The big milestone in new listings growth comes as seller sentiment continues to build momentum…After constant gradual improvements since mid-April, seller confidence appears to be reaching an important milestone. The temporary boost in new listings comes as the summer season replaces the typical spring homebuying season. More homes are entering the market than typical for this time of the year.”

Why is this good for sellers?

A good time to enter the housing market is when the competition in your area is low, meaning there are fewer sellers than interested buyers. You don’t want to wait for all of the other homeowners to list their houses before you do, providing more options for buyers to choose from. With sellers starting to get back into the market after five months of waiting, if you want to sell your house for the best possible price, now is a great time to do so.

Why is this good for buyers?

It can be challenging to find a home in today’s low-inventory environment. If more sellers are starting to put their houses up for sale, there will be more homes for you to choose from, providing a better opportunity to find the home of your dreams while taking advantage of the affordability that comes with historically low mortgage rates.

Bottom Line

While we still have a long way to go to catch up with the current demand, inventory is slowly starting to return to the market. If you’re thinking of moving this year, talk to one of our Real Estate Sales Agents today so you’re ready to make your move when the home of your dreams comes up for sale.

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Housing Market News • August 11, 2020

Current Buyer & Seller Perks in the Housing Market

by Better Homes and Gardens Green Team

Today’s housing market is making a truly impressive turnaround, and it’s also setting up some outstanding opportunities for buyers and sellers. Whether you’re thinking of buying or selling a home this year, there are perks today that are rarely available, and definitely worth looking into. Here are the top two.

The Biggest Perk for Buyers: Low Mortgage Rates

The most impressive buyer incentive today is the average mortgage interest rate. Just last week, mortgage rates hit an all-time low for the eighth time this year. The 30-year fixed-rate is now averaging 2.88%, the lowest rate in the survey’s history, which dates back to 1971 (See graph below):This is a huge advantage for buyers. To put it in perspective, it means that today you can get a lower rate than any of the past two generations of homebuyers in your family if you decide to purchase at this time.

“Historically-low mortgage rates are stoking demand for real estate, as buyers are rushing to lock-in low monthly payments,” said George Ratiu, senior economist with Realtor.com.

In addition, the National Mortgage News notes how today’s buyers have increasing purchasing power due to these low mortgage rates:

“Purchasing power rose 10% year-over-year…With interest rates hitting record lows, buyers were able to afford $32,000 “more house” as of July 23 than they could the year before with the same monthly payment.”

This is a great perk for buyers who are hoping to potentially get more for their money in a home, something many are considering today as they re-evaluate the amount of space they ideally need for their families. It is an opportunity not seen in 50 years, and one not to be missed if the time is right for you to buy a home.

The Biggest Perk for Sellers: Low Inventory

Today, there are simply not enough houses on the market for the number of buyers looking to purchase them. According to the National Association of Realtors (NAR):

“Total housing inventory at the end of June totaled 1.57 million units, up 1.3% from May, but still down 18.2% from one year ago (1.92 million).”

The red bars in the graph below indicate that the inventory of homes coming into the market continues to decline. It was low as we entered the pandemic and has reduced even further this year. Houses today are selling faster than they’re being listed, and that’s creating an even greater supply shortage (See graph below):The lack of inventory has been a challenging situation for a while now, and with low mortgage rates fueling buyer demand, inventory is even harder for buyers to find today. Buyers are eager to purchase, and because of the shortage of homes available, they’re encountering more bidding wars. This is one of the factors keeping home prices strong, an advantage for sellers. Lawrence Yun, Chief Economist for NAR notes that this trend may continue, too:

“Home prices rose during the lockdown and could rise even further due to heavy buyer competition and a significant shortage of supply.”

With low inventory and high buyer demand, homeowners can potentially earn an increasing profit on their houses and sell them quickly in this sizzling summer market.

Bottom Line

Whether you’re thinking about buying or selling at home, there are some key perks available right now. Let’s connect today to discuss how they may play to your advantage in our local market.

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Agency News and Awards • August 10, 2020

Krissy Many Receives Military Relocation Professional Certification

by Nicole McCormick

Krissy Many of Green Team New York Realty has achieved Military Relocation Professional (MRP) Designation. This certification prepares real estate professionals to work with current and former military service members. Importantly, the course addresses finding the right housing solutions and taking full advantage of military benefits and support.

NAR’s Military Relocation Professional Certification

When military staff and their families relocate, the services of a real estate professional who understands their needs and timetables makes the transfer easier, faster, and less stressful. This certification focuses on educating real estate professionals about working with current and former military service members to find the housing solutions that best suit their needs and take full advantage of military benefits and support. Course participants learn to provide the real estate services, at any stage in the service member’s military career, that meet the needs of this niche market and win future referrals. In addition, participants hone their knowledge and skills to work with active-duty military buyers and sellers, as well as veterans with the NAR’s Military Relocation Professional Certification.

When asked why she decided to obtain this certification, Krissy replied:

“Veterans and their families do what they do so we can do what we do in comfort and safety. I sought this designation so that in some small way I can show my support for our military. Maybe, just maybe, I can make their relocation and home selection a little easier and smoother. The benefit of this training and designation is that I will speak and understand their language as well as their time frames. Military personnel speak a language all their own and it is full acronyms! Their needs, timing and challenges are unique to them. I understand these factors and can be a source of information, guidance and support to our military families in their real estate needs.”

Selling a Home • August 10, 2020

Why Homeowners Have Great Selling Power Today

by Better Homes and Gardens Green Team

We’re sitting in an optimal moment in time for homeowners who are ready to sell their houses and make a move this year. Today’s homeowners are, on average, staying in their homes longer than they used to, and this is one factor driving increased homeowner equity. When equity grows, selling a house becomes increasingly desirable. Here’s a breakdown of why it’s a great time to capitalize on equity gain in today’s market.

As average homeowner tenure lengthens and home prices rise, equity, a form of forced savings, can be applied forward to the purchase of a new home. CoreLogic explains:

“Over the past 10 years, the equity position of homeowners has positively changed as a result of more than eight years of rising home prices. As the economy climbed out of the recession in the first quarter of 2010, 25.9% or 12.1 million homes were still underwater, compared to the first quarter of 2020 when the negative equity share was at 3.4%, or 1.8 million properties. Borrowers have seen an aggregate increase of $6.2 trillion in home equity since the first quarter of 2010 and the average homeowner has gained about $106,100 in equity.”

Increasing equity is enabling many homeowners who are ready to sell their current houses today to sell for an increased profit, and then reinvest their earnings in a new home. According to the Q2 2020 U.S. Home Sales Report from ATTOM Data Solutions, in the second quarter of 2020:

“Home sellers nationwide realized a gain of $75,971 on the typical sale, up from the $66,500 in the first quarter of 2020 and from $65,250 in the second quarter of last year. The latest figure, based on median purchase and resale prices, marked yet another peak level of raw profits in the United States since the housing market began recovering from the Great Recession in 2012.”

If you’ve been taking a closer look at your house recently and are thinking it might be time for you to make a move, determining your equity position is a great place to start. Understanding how much equity you’ve earned over time can be a key factor in helping you realize the potential profits in your real estate investment and move toward your next homeownership goal.

Bottom Line

With average home sale profits growing, it’s a great time to leverage your equity and make a move, especially while the inventory of houses for sale and mortgage rates are historically low. If you’re considering selling your house, let’s connect today so you can better understand your home equity position and take one step closer to the home of your dreams.

[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”3.18.2″ custom_padding=”0px|0px|0|0px|false|false”][et_pb_row _builder_version=”3.18.2″][et_pb_column type=”4_4″ _builder_version=”3.18.2″ parallax=”off” parallax_method=”on”][et_pb_button button_text=”Get an Instant Home Value Estimate” _builder_version=”3.18.2″ button_url=”https://greenteamrealty.com/home-value-estimate/”][/et_pb_button][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”3.18.2″][et_pb_row custom_padding=”18px|0px|17.5781px|0px|false|false” _builder_version=”3.18.2″][et_pb_column type=”4_4″ _builder_version=”3.18.2″ parallax=”off” parallax_method=”on”][et_pb_text _builder_version=”3.18.2″]

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Housing Market News • August 10, 2020

The Latest Unemployment Report: Slow and Steady Improvement

by Better Homes and Gardens Green Team

[et_pb_section fb_built=”1″ _builder_version=”3.0.47″][et_pb_row _builder_version=”3.0.48″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on”][et_pb_text _builder_version=”3.0.74″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”]Last Friday, the Bureau of Labor Statistics (BLS) released its latest Employment Situation Summary. Going into the release, the expert consensus was for 1.58 million jobs to be added in July, and for the unemployment rate to fall to 10.5%.

When the official report came out, it revealed that 1.8 million jobs were added, and the unemployment rate fell to 10.2% (from 11.1% last month). Once again, this is excellent news as this was the third consecutive month the unemployment rate decreased.There is, however, still a long way to go before the job market fully recovers. The Wall Street Journal (WSJ) put a potential date on that recovery:

“July’s payroll growth, at 1.8 million, still leaves total payrolls 12.9 million lower than in February. And yet if job gains continued at July’s pace, that deficit will be erased by March 2021. If payrolls reclaim their last peak in 13 months, that would be remarkably fast. It took more than six years after the last recession.”

Permanent vs. Temporary Unemployment

During a pandemic, it’s important to differentiate those who have lost their jobs on a temporary basis from those who have lost them on a permanent basis. Morgan Stanley economists noted in the same WSJ article:

“The rate of churn in the labor market remains incredibly high, but a notable positive detail in this month’s report was the downtick in the rate of new permanent layoffs.”

To address this, the core unemployment rate becomes increasingly important. It identifies the number of people who have permanently lost their jobs. This measure subtracts temporary layoffs and adds unemployed who did not search for a job recently. Jed Kolko, Chief Economist at Indeed and the founder of the index reported:

“Core unemployment fell in July for the first time in the pandemic. That’s the good news I was hoping for.”

What about the housing market?

The housing market has continued to show tremendous resilience during the pandemic. Commenting on the labor report, Robert Dietz, Chief Economist for the National Association of Home Builders (NAHB), tweeted:

“Housing continues to rebound in another positive labor market report. Home builder and remodeler job gains of 24K for July. Residential construction employment down just 56.4K compared to a year ago. Total residential construction employment at 2.85 million.”

Bottom Line

We should remain cautious in our optimism, as the recovery is ultimately tied to our future success in mitigating the ongoing health crisis. However, as Mike Fratantoni, Chief Economist for the Mortgage Bankers Association, reminds us: “The pace of job growth slowed in July, but the gains over the past three months represent an impressive rebound during the ongoing economic challenges brought forth by the pandemic.”
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Agency News and Awards • August 10, 2020

Welcome Kevin Many

by Better Homes and Gardens Green Team

The Green Team is proud to announce that Kevin Many has decided to join our Warwick, NY office. We’re excited to have him on our team and look forward to helping him grow!

Please join us in Welcoming Kevin to The Green Team New York!

To learn more about Kevin and his business visit his website.

Buying a home • August 5, 2020

Today’s Buyers Are Serious about Purchasing a Home

by Better Homes and Gardens Green Team

Today’s homebuyers are not just talking about their plans, they’re actively engaged in the buying process – and they’re serious about it. A recent report by the National Association of Home Builders (NAHB) indicates:

“…. Of American adults considering a future home purchase in the second quarter of 2020, about half (49%) are not simply planning it, they are actively engaged in the process to find a home. That is a significantly higher share than the comparable figure a year ago (41%), which suggests that the COVID-19 crisis and its accompanying record-low mortgage rates have converted some prospective buyers into active buyers.”

It’s no surprise that buyers are out in full force today. Many Americans now need more space to work from home, and the current low mortgage rates are providing an extra boost of motivation to enter the housing market.

If you’re considering selling your house, know that today’s buyers are serious about making a move. Your opportunity to sell your house in a market with high demand is growing, especially as more millennials enter the housing market too. The same report also notes:

“Of Millennials planning a home purchase in the next year, 57% are already actively searching for a home.”

Odeta Kushi, Deputy Chief Economist at First American, explains:

“When breaking down house-buying power by educational attainment for millennials in 2019, we find that the higher the education, the higher the household income, and the higher the house-buying power. In 2019, median house-buying power for millennials increased 16 percent relative to 2018.”

As demand for homes to buy grows and more millennials enter the market with growing buying power, the opportunity to sell your house grows too.

Bottom Line

Today’s buyers are serious ones and more millennials are helping to fuel that charge. So, if you’re considering selling your home, let’s connect you with one of our Real Estate Sales Associates today to determine your next steps in the process while buyers are actively looking.

Chapter One: How Ryan met Geoff

Chapter Two: New England, Taxis, then Real Estate

Chapter Three: Ryan and Geoff, Together Again!

Home Insurance. Can’t Live with it. Can’t live without it!

Common Home Insurance Exclusions

Home Insurance to cover Home Businesses

High-Value Items

Fallen Trees Coverage

Personal LIability

Answers to often-asked questions/Ending on a positive note.

Contact Information

Some Highlights

Why is this good for sellers?

Why is this good for buyers?

Bottom Line

The Biggest Perk for Buyers: Low Mortgage Rates

The Biggest Perk for Sellers: Low Inventory

Bottom Line

NAR’s Military Relocation Professional Certification

When asked why she decided to obtain this certification, Krissy replied:

Bottom Line

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Permanent vs. Temporary Unemployment

What about the housing market?

Bottom Line

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Bottom Line

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