Blog :: 10-2018

What to Expect When Refinancing Your Home in 7 Simple Steps

In our last blog post, we explained why you may want to refinance your home loan; which means paying off your current mortgage with a new mortgage. Homeowners often take advantage of this option to have a more desirable mortgage loan, usually at a lower interest rate or over a shorter period of time.

In today's post, we're explaining what to expect when refinancing a home.

Our big tip: Different lenders have different home refinancing loans to offer, so it’s good to shop around periodically to see if there’s a better mortgage loan available to you. Pay attention to all the fine print to make sure you are getting a better refinanced mortgage than the one you already have.                               

How to Refinance Your Home in 7 Simple Steps

1. Determine Your Financial Goals

  • Estimate how long you plan to live in your home.
  • Consider every debt and how much interest you are paying.
  • Review your current mortgage terms.
  • What do you expect to achieve by refinancing?                

2. Talk to More Than One Lender

  • You don’t have to refinance your home with your current lender! This is something homeowners don’t always consider; or they assume the options will be the same with every lender.
  • You should get 3-4 refinancing loan quotes from lenders to make sure you are getting the best deal.

3. Apply & Receive a Pre-Approval

  • When you’ve found the best refinancing loan offer - and have reviewed for any unexpected fees and costs - submit your application to the lender! The mortgage company will review your current and past finances to see if you qualify for a good mortgage refinancing option. This review could include your income, credit, assets, and property type.

(Keep scrolling for knowing when the property review takes place and our tips for refinancing.)

4. Wait for the Appraisal & Property Review

  • A title report will be requested and the homeowner’s insurance binder will be ordered.
  • The lender will hire a licensed appraiser to make a complete assessment of the current value of the property. The appraiser is an impartial party who will visit your home to take notes and pictures before making a final assessment. The terms of the loan will be based on the appraiser’s property value.
  • The appraiser could determine that your home is worth more or less than you and your lender expected, which would then change the terms of the refinanced loan.

5. Receive the Official Approval

  • All of the information on your financial position and the property will be carefully evaluated by an underwriter. At this point, you may need to provide additional documentation so that the underwriter can make a properly informed decision.
  • When the underwriter has made a final decision and approved the loan terms, you will receive an approval letter with all the terms of the new loan.
  • Read through the terms carefully and look for any unexpected expenses that might cost you more money over time.

6. Submit Documents & Sign the Papers

  • After the underwriter has cleared your documentation, the refinanced loan documents will be prepared and delivered to the title company.
  • The escrow office will receive the loan documentation from the lender, prepare the new documents, and contact you to sign.

7. Start Fresh With Your New Mortgage Terms             

  • The funds will be released for disbursement once the lender has reviewed everything and all the terms have been met.
  • When all the funds have been disbursed, the title company will record your new lien at the county.
  • Depending on your new loan terms, you can now enjoy a lower monthly payment, plan for a shorter loan term, or use the money you received to improve your household’s finances!

Helpful Tips for Refinancing
You can save yourself money and create opportunities by refinancing your home mortgage. To make sure your refinancing process is as successful as possible, save these tips:

  • Be prepared financially and with proper documentation.
  • Understand the mortgage process.
  • Avoid high fees and credit issues.
  • Read the terms of the new loan carefully.
  • Compare the benefits of the new loan vs. your current loan.
  • Ask your lender about anything you’re not sure of.

Knowing what to expect when refinancing your home will help the process go more smoothly. It’ll also make it easier to understand the terms of the new loan and the differences between your current loan and your new refinanced loan options. Remember the goal of any refinancing process is to put you in a better financial position now and in the future!

Have questions? Give us a call! We're always happy to help you fully understand your options.

 

Follow our Facebook events page, or visit our Instagram or Twitter feeds to see the most current open house updates and details.

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Why should I refinance my home mortgage?

Thinking about refinancing a home mortgage loan and not sure where to start? We're reviewing what to expect in a typical process and why you may want to refinance sooner rather than later. 

What Does It Mean To Refinance Your Mortgage? 
When you refinance your home loan, you're paying off your existing mortgage with a new mortgage. Homeowners typically take advantage of this refinancing option to reduce their interest rate and/or payment, or to change the terms of their mortgage loan (such as switching to a shorter or longer loan term).

You can also borrow against your home equity in order to receive cash. This “cash-out refinancing” option allows you to use proceeds from the refinancing to pay off non-mortgage debts or renovate your home.

However in 2018, you can no longer deduct the interest payments on extra funds pulled from refinancing, so renovation financing would likely be a better option if you’re planning on renovating your home. (Read more about how the new laws for taxes in 2018 will affect deductions taken for things like mortgage interest payments and property taxes.)          

Should You Refinance or Build Equity? 
Is it better to refinance your mortgage OR let the equity build up as much as possible? It really depends on your financial situation. If you’re in the position to refinance your home, that’s a sign you’re on the right financial path! It means your financial situation has given you options that can prove beneficial in the short or long term. It’s important to understand those options and make the best decision for your financial health.

7 Reasons to Consider Refinancing Your Mortgage            

  • You want to lower your monthly payments.
  • You want to pay off your mortgage sooner.
  • You have an adjustable rate mortgage.
  • You have an interest-only loan.
  • You have a high interest rate.
  • You’re paying mortgage insurance.
  • You need cash-in-hand to pay non-mortgage higher-interest debt.

(keep scrolling for our refinancing tips!)
"Is there any point to refinancing if my monthly payment amount doesn’t change?"

Yes! Even if you’d still pay the same amount every month after refinancing a home mortgage, it may still save you money if you can shave years off the life of your loan. You could pay off your mortgage early and save tens of thousands of dollars. This is why it’s so important to go over all your options carefully with a mortgage specialist to find out whether it's worth to to refinance your home.

Helpful Tips for Refinancing
You can save yourself money and create opportunities by refinancing a home mortgage, if done properly. To make sure your refinancing process is as successful as possible, bookmark these tips:

  • Be prepared financially and with proper documentation.
  • Understand the mortgage process.
  • Avoid high fees and credit issues.
  • Read the terms of the new loan carefully.
  • Compare the benefits of the new loan vs. your current loan.
  • Ask your lender about anything you’re not sure of.

Talk to Your Lender About Refinancing Options 
Even if you wouldn’t expect to benefit from or qualify for refinancing, you should understand the process of refinancing your home and how it can benefit your household budget. You might be pleasantly surprised with the options your lender can offer!

Even if you decide not to refinance your mortgage after speaking with your lender, talking about the possibility can show you how your budget could potentially improve to create better mortgage lending opportunities in the future. A successfully refinanced mortgage can reduce your monthly payments, shorten your loan terms, and create opportunities with cash from equity.

Have questions? Give us a call! We're always happy to help you fully understand your options.

 

Follow our Facebook events page, or visit our Instagram or Twitter feeds to see the most current open house updates and details.

Join us on Tuesdays at 1p for our "Dear Claire" Facebook Live series. Subscribe to our YouTube channel today to help us reach our goal of 100 subscribers.

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Open House Update :: October 27 & 28


While you're out and about this weekend, join us at these amazing homes in Beaverton and North Portland!

7315 N Fenwick Ave, Portland (map/directions)
Listed at $300k
Open House: Saturday, 10/27, 10a - 12p & Sunday, 10/28, 12-2p

Details: This 1-bedroom, 1-bathroom North Portland bungalow has a spacious backyard with private back deck and just blocks from Max line & Kenton neighborhood shops and restaurants. Thanks to hardwoods throughout and a kitchen skylight, this cozy home is bright even on the cloudiest of days. Parking for two with an over-sized garage, and separate entrance leads to basement with tall ceilings. Could easily be converted to a 2-bedroom. This sweet home has incredible potential; it's just waiting for your imagination and finishing touches! Listed by: Michael Toews

306 SE 61st Ave, Portland (map/directions)
Listed at $800k
Open House: Saturday, 10/27, 11a-1p

Details: Grand 5-bedroom, 3-bathroom Craftsman estate on Mt Tabor! Ample front porch to enjoy your morning, looking at a spectacular view. Classic light and bright living room with a sophisticated fireplace will make transform cold winter nights into cozy ones. The master bedroom will quickly become your favorite sanctuary. A large dining room and kitchen are ideal for entertaining guests. French doors open to a magical backyard, complete with fruit trees, berries bushes, a patio with deck, and a kid's play house! A finished oversized, attached garage will make storing off-season toys a snap! See it this Sunday! Listing by: Claire Paris

17737 SW Lawton St, Beaverton (map/directions)
Listed at $350k
Open House: Saturday, 10/27, 1-3p & Sunday, 10/28, 1-3p

Details: Stunning 4-bedroom, 2.1 bathroom home in Beaverton's Autumn Meadows neighborhood. With an open floor plan with wood floors and vaulted ceilings, this house has an eye for design and lives large. Stainless steel appliances and huge kitchen island provide ideal space for entertaining. Great location in the heart of Beaverton with easy access to Nike, Costco, local amenities, and freeways. Listed by Heather Paris

274 NW 215th Terrace, Beaverton (map/directions)
Listed at $275k
Open House: Sunday, 10/28, 1-2p
Details: A well-appointed 2-bedroom, 2.1-bathroom townhome, close to Orenco Station and numerous amenities: grocery shopping, restaurants, coffee shops, and breweries! Thanks to big windows and great layout, this home lives bright. With a deck off the open living room/kitchen area and a backyard, there's plenty of room to enjoy these gorgeous fall days with family and guests alike. Ideal for those looking for a sweet, bright space to call their own. Listing by: Claire Paris

Look forward to seeing you this weekend! Can't make it to an open house? Give us a call to schedule a viewing ASAP at 503-998-4878.

 

Follow our Facebook events page, or visit our Instagram or Twitter feeds to see the most current open house updates and details.

Join us on Tuesdays at 1p for our "Dear Claire" Facebook Live series. Subscribe to our YouTube channel today to help us reach our goal of 100 subscribers.

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Open House Update :: Oct 20 & 21

While you're enjoying the weekend - and this incredible weather! - come see us at these incredible homes!

878 Beach St, Manzanita (map/directions)
Listed at $700k
Open House: Saturday, 10/21, 12-2p

Details: Stellar location in heart of Manzanita with panoramic ocean views. Top to bottom remodel with high-end finishes and open floor plan. Cook your favorite meal in the open kitchen and eat it outside on the spacious deck overlooking one of Oregon's most spectacular beaches. House lives large thanks to the 5 bedrooms and 2 big bathrooms. Only 4 blocks to downtown Manzanita and across the street from the ocean, life doesn't get much better than this. Listing by: Molly Paris

274 NW 215th Terrace, Beaverton (map/directions)
Listed at $275k
Open House: Sunday, 10/21, 12-2p
Details: A well-appointed 2-bedroom, 2.1-bathroom townhome, close to Orenco Station and numerous amenities: grocery shopping, restaurants, coffee shops, and breweries! Thanks to big windows and great layout, this home lives bright. With a deck off the open living room/kitchen area and a backyard, there's plenty of room to enjoy these gorgeous fall days with family and guests alike. Listing by: Claire Paris

306 SE 61st Ave, Portland (map/directions)
Listed at $800k
Open House: Sunday, 10/21, from 3-4p

Details: Grand 5-bedroom, 3-bathroom Craftsman estate on Mt Tabor! Ample front porch to enjoy your morning, looking at a spectacular view. Classic light and bright living room with a sophisticated fireplace will make transform cold winter nights into cozy ones. The master bedroom will quickly become your favorite sanctuary. A large dining room and kitchen are ideal for entertaining guests. French doors open to a magical backyard, complete with fruit trees, berries bushes, a patio with deck, and a kid's play house! A finished oversized, attached garage will make storing off-season toys a snap! See it this Sunday! Listing by: Claire Paris

Look forward to seeing you this weekend! Can't make it to an open house? Give us a call to schedule a viewing ASAP at 503-998-4878.

Follow our Facebook events page, or visit our Instagram or Twitter feeds
 to see the most current open house details.


Join us on Tuesdays at 1p for our "Dear Claire" Facebook Live series. 
Subscribe to our YouTube channel today to help us reach our goal of 100 subscribers.

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Can I buy a home with a friend or group?

As real estate prices have risen over the last decade, it’s becoming more and more common to invest in real estate with other people besides your partner. In a recent episode of “Dear Claire”, we discussed what you need to know about buying a house with a friend or group of people. Here’s a breakdown of what we talked about:

(scroll down for a summary)

1. When you apply for a mortgage with a friend or group, the lender will base your cumulative qualification on the WORST portions of each person’s financial history. In other words, the lender will combine the person with the lowest credit score, the person with the lowest income, and the person with the highest debt-to-income ratio in their calculations. This is because they want to see the highest risk potential possible when determining your pre-qualification.

2. That being said, there are definite benefits to purchasing with others rather than individually. As opposed to purchasing a home alone, purchasing a home with a friend will most likely give you a larger down payment and more purchasing power (you’ll be able to purchase a larger or nicer home with others than you could alone).

3. Come up with an exit strategy should something go wrong. Make sure you’ve had in-depth discussion with everyone involved in the home purchase about what will happen if someone passes away, if a couple breaks up, or if a friendship is severed at some point in the future. This may involve a legal agreement with a clause stipulating how to dispose of the home and divide the profits among the group of people who own it, should something go awry at any point during your mortgage term.

So yes, you can buy a home with a friend or group, and there are definite benefits ... just be sure you have all the facts and plan an exit strategy in case you need it!

Have more questions? Contact us! We're always happy to help you fully understand your options.

 

Follow our Facebook events page, or visit our Instagram or Twitter feeds to see the most current open house updates and details.

Join us on Tuesdays at 1pm PST for our "Dear Claire" Facebook Live series. Subscribe to our YouTube channel today to help us reach our goal of 100 subscribers.

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How to Make Your Home More Energy Efficient: 12 Energy Saving Tips Everyone Should Know

“Responsible homeowner” may not be be a very exciting way to describe yourself, but it’ll definitely save you money and keep you warm this winter! We’ve gathered the best tips to make your home energy efficient without breaking the bank so you can enjoy a Portland winter like a pro.

Bonus! Potentially useful tax benefits that initially expired but were then retroactively renewed for 2017 involve energy-conservation and improvements made to your home. The new extension allows you to get a tax credit of 10 percent of what you spent on certain energy saving improvements such as insulation, energy-efficient windows and doors, and roofs. Check with your tax professional to see how you can take advantage of this benefit and make your home more energy efficient!

In the meantime, try implementing these DIY home energy saving ideas:

Start at the Source: Walls, Windows, and Doors

1. Add Insulation Especially to Leaky Areas

  • Escaping heat can become an easy way to lose a huge amount of energy in your home during the winter. You can find inexpensive insulation from Lowe’s or Home Depot to fill in all the areas in your home that might allow heat to escape in the winter or cool air in the summer.

  • If you have an unfinished attic in your home, adding insulation to it can save energy and money in the long term.

2. Seal All the Windows and Doors.

  • Use window treatments that improve energy efficiency throughout your home.

  • Add foam weather stripping for your doors and windows. It’s easy to apply and an affordable way to conserve heat.

3. Use the Sun to Your Advantage

  • When the sun is out, open window coverings and let the sun heat your home! Sun can pass through your windows and help keep rooms in your home warm without turning on your furnace, making it both cost-effective and energy saving. 

4. Use a humidifier to add moisture to the air.

  • Moist air feels warmer AND holds heat better, so you can feel more comfortable even when your thermostat is set to a lower temp.

Create Efficient Systems: Water Heaters, Thermostats, and HVAC (continued below)

5. Lower Your Thermostat - Invest in a Smart Thermostat

  • Set times that you’re not typically home for cooler temps. Change the heat setting (or automatically schedule with a smart thermostat) from anywhere to avoid wasting energy heating your home when no one is there.

  • Limit space heater use, which can be more expensive and less energy-efficient to heat your home.

6. Tune Up & Maintain Your HVAC System

  • A well maintained furnace and vent system will reduce home energy consumption. Check your furnace’s filter monthly and replace it regularly to keep your home systems energy efficient.

  • Consider replacing an older furnace with a new high-efficiency furnace system. 

7. Turn Down Hot Water Heater Setting to 120 Degrees

  • Many conventional water heaters have their temperature set too high, which can cause you to lose a lot of energy in your home because it’s keeping water warm when no one is using it. Turn the temperature setting down to 120 degrees, which will easily get your clothes and dishes clean without wasting excessive home energy.

8. Consider a Zone Heating & Cooling System

  • A zone heating and cooling system allows you to heat the areas of your home that need more warmth without wasting heat in areas of your home that don’t need it. 

Simple Tricks to Easily Conserve Home Energy

9. Bundle Up!

  • Pull out those cozy sweaters, blankets, and socks to keep warm without cranking up the heat. You can even add area rugs to insulate floors, reducing the amount of heat energy you use.

10. Adjust Ceiling Fans

  • Create better airflow by changing your ceiling fans to turn clockwise on a low setting in the winter. This will trap heat inside to keep rooms in your home warmer during cooler months.

11. When decorating for the holidays, use LED lights to reduce cost and energy.

  • If you want to conserve energy but still want to decorate with lights this holiday season, replace older, incandescent lighting with new LED holiday lights (these use at least 75% less energy and last 25 times longer than the incandescent lights). They also don’t emit as much heat and are less likely to break.

12. Only use exhaust fans when necessary.

  • Exhaust fans in your kitchen and bathroom pull the hot air up and out of your home. Use them sparingly to save home energy for where it's really needed.

We’re always available to talk through any additional questions you may have. Don’t hesitate to reach out via email or phone to contact us!


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Open House Update :: October 6 & 7

Join us this weekend to view these homes! Can't make this weekend? Contact us to schedule a visit by email or phone, 503.998.4878. Follow us on Facebook and Instagram to learn about our upcoming open houses & current listings.

35 NE Holman St, Portland (map/directions
Listing Price: $475k
Open House: Oct 6, Saturday, 1-3p

Details: Smart design combo of 1941 Mid-Century and cozy bungalow in this 2-bedroom, 2-bathroom Piedmont home on a corner lot. Thanks to the white oak floors and big original windows, the rooms are flooded with light. Entertaining is a breeze thanks to a large kitchen and fluid floor plan. The 2-car garage, full basement, and the house's amble space offer a lot of storage options. (Listing by: Claire Paris)

15836 NE Broadway, Portland (map/directions)
Listing Price: $325k
Open House: Oct 6, Saturday, 1-3p & Oct 7, Sunday, 1:30-3:30p

Details: A well-maintained home with 3 bedrooms, 1.5 bathrooms in Wilkes! The open living-dining space is ready for you to enjoy and the 2-car garage offers plenty of space for storing off-season toys. The covered patio and large fenced backyard makes for an ideal sanctuary away from the daily grind. (Listing by: Brigitte Robinson & Britta Schwartz)

4401 SE 66th Ave, Portland (map/directions
Listing Price: $325k
Open House: Oct 7, Sunday, 12-2p

Details: A great bargain in Foster-Powell! This 2-bedroom, 1-bathroom bungalow includes an open living/dining room with warm wood floors. Nicely appointed, remodeled kitchen and an amazing yard, with an end of summer harvest waiting for you. Alley access to your garage for your cars and bikes. (Listing by: Claire Paris)

10319 N Oswego Ave, Portland (map/directions)
Listing Price: $415k
Open House: Sunday, 10/7, 1-3p

Details: Completely remodeled, well-appointed 4-bedroom, 2-1.-bathroom home close to St. Johns' treasures. Not only does the home live large, but is also bright thanks to natural light streaming through the ample windows. Open living and dining room with chef's kitchen will make holiday gatherings a breeze as well as quiet evening at home. With 4 bedrooms plus an office means there's room for everyone! The garage is perfect for all your storage needs! For additional details and pictures, visit our site or see it for yourself on Sunday! (Listing by: Claire Paris)

Join us on Tuesdays at 1p for our "Dear Claire" Facebook Live series. 
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2018 Tax Laws for Real Estate: 3 Deductions That Could Affect Homeowners

When the new tax laws for 2018 were announced, taxpayers grew anxious about how these changes would affect them and it was difficult to sort facts from rumors and misleading media sources. Even with the Tax Cuts & Jobs Act officially in effect, many taxpayers and industry professionals admitted they didn’t fully understand the likely effects for them or their clients.

3 Important Changes to Deductions for Homeowners:

  1. Mortgage Interest Deduction (includes home equity and refinancing)
  2. Deduction Cap for Property Taxes
  3. Private Mortgage Insurance Deduction

While these changes might seem major for homeowners, many taxpayers are likely to overlook the marginal differences when they file their 2018 taxes compared to 2017. It’s important to understand how these three deductions have changed for current homeowners and anyone that expects to buy a home in the near future.

Mortgage Interest Deduction
The mortgage interest deduction is still in effect for both first and second homes, but moving forward in 2018 and beyond, the qualifying mortgage amount decreases from $1 million for joint filers ($500,000 for single filers) to $750,000 for joint and $375,000 for single. This applies to mortgage loan contracts that were signed before Dec. 15, 2017 for homes purchased before April 15, 2018. All mortgages prior are grandfathered in.

For taxpayers who own second homes, they can deduct their mortgage interest for second homes. However, the qualifying mortgage amount would include all mortgages together. So if you have a $500,000 mortgage for your primary and $400,000 for your second home, you can only include $750,000 in the total qualifying mortgage amount. The remaining $150,000 would not be included in that deduction.

While this has been a widely discussed with the new tax law change, most home buyers are purchasing homes worth less than $750,000. So this affects home buyers in the $750k+ market who are borrowing over $750k. While this is not as dramatic of an effect as the media has pushed it, it can create a disincentive for current homeowners to move.

Home Equity Line Interest
Previously included in the mortgage interest deduction, you could deduct up to $100,000 worth of interest on a home equity loan taken out if you were using for something other than buying, building, or improving your home. For 2018, this type of home equity deduction has not been renewed. And there is no grandfather clause so it does affect taxpayers who previously took advantage of this deduction.

And if you refinance and borrow more in the refinancing for any reason other than improving the home, then the extra funds will not be deductible.

(scroll below for information about deduction caps and private mortgage insurance)

Deduction Cap for Property Taxes

Prior to the 2018 tax reform, you could claim all property taxes paid to state and local governments as an itemized deduction. You could also deduct state and local income or sales taxes.

The new tax law bundles all of these taxes together and limits the deduction to $10,000 for both individuals and married couples. This deduction will have a significant impact on states with higher property taxes like New Jersey and New York. Oregon sits right in the middle of the property tax ranking compared to other states, so it’s important to know what to expect how this will affect you in the future.

Private Mortgage Insurance
Previously, private mortgage insurance (PMI) payments on conventional loans and the mortgage insurance premiums charged on FHA and USDA loans were included in the mortgage interest provision. The provision that included PMI in the home mortgage interest expired at the end of 2016 but was then retroactively renewed for 2017.

So far, the provision has not been renewed for the 2018 tax year. Unless the mortgage insurance provision is revisited and retroactively renewed, this can affect borrowers paying mortgage insurance and previously benefited from deducting their premiums. Since PMI is required when the borrower makes a down payment of less than 20%, any changes to deductions for private mortgage insurance payments will likely affect first-time buyers and home buyers.

Is it Time to Panic Yet? (Probably not.)
For real estate professionals and homebuyers, the changes could have had a much more impactful effect if earlier versions of the tax plan had passed. One of the earlier versions made it more difficult to exclude capital gains from the sale of a primary residence by preventing higher-income taxpayers from claiming it at all and increasing the ownership and use requirements.

While these changes can affect our Portland real estate market, most changes are not expected to significantly affect the amount of taxes owed for individuals. Many homeowners and buyers won’t be affected. It’s important to keep up with these changes so that you know what to expect to be able to deduct from your taxes in the future and how that might affect any home purchase or financing decisions.

We’re always available to talk through any additional questions you may have. Don’t hesitate to reach out via email or phone to contact us!
 

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