More • August 24, 2017

Windermere Offices Help Fulfill Back-to-School Needs

by Marilou Ubungen

According to a 2017 back-to-school survey, parents will spend an average of $501 per child on school supplies, clothes and accessories, computers and hardware, and electronic gadgets for the school year. For school supplies alone, the average spend per child is $104, which can be a lot for parents who are having difficulties just trying to make ends meet.

Thankfully, through donations from the Windermere Foundation, many of our Windermere offices are able to support local nonprofit organizations that provide backpacks, supplies, and other back-to-school necessities to children and families in need. Some offices have even made this an annual giving/volunteer event.

These are just a few of the Windermere offices that volunteer their time and donate funds to support programs that help children whose families would otherwise be unable to afford the basic necessities for the school year.

El Sobrante, CA

On July 15, the Windermere El Sobrante office kicked off their annual back-to-school supply drive with an ice cream social at their office. At the event they collected backpacks, school supplies and other donations, and provided ice cream for attendees. The drive ran from July 11 through August 10. Office staff also shopped for additional backpacks and supplies. Backpacks were then filled with supplies according to age, and delivered to three local area schools to distribute to students in need at the beginning of the school year.

Helena, MT

From June 26 through August 18, the Windemere Helena office supported The Angel Fund’s 11^th Annual Stuff the Bus school supply drive. Agents purchased school supplies to fill up a bin at their office. This is the first year that the office has supported this drive. Students in need from over 30 schools in Helena and surrounding areas benefitted from this event.

Seattle, WA

For the past six years, the Windermere Mount Baker office has supported the Seattle/King County Coalition on Homelessness’s Project Cool back-to-school supply drive by holding drives to collect school supplies, and by participating in their annual backpack-stuffing event. This year, the office made a $1,000 donation to Project Cool through the Windermere Foundation, and 18 Windermere agents, staff, and family members volunteered on July 18 where they stuffed 100 of the 1,100 backpacks provided that day. The stuffed backpacks were delivered to various local social service organizations and homeless shelters, to be distributed to children in need.

Generous donations from Windermere owners, agents, staff, and the community continue to make it possible for the Windermere Foundation to support programs like Project Cool. If you’d like to help children in need in your community during the school year, or throughout the year, please consider donating to the Windermere Foundation. To learn more about the Windermere Foundation, visit http://www.windermere.com/foundation

More • August 21, 2017

How to Find the Perfect Paint Colors

by Guest Author

Homeowners and designers know what a difference color makes in a home. They can spend hours poring over print and online images in search of the perfect hue. But sometimes the color in the image doesn't end up looking the same on the wall. Why?

"Have you ever bought a piece of clothing online, thinking it's one shade of a particular color, only to find that it's completely different when it arrives?" asks photographer Christopher Stark. "Same goes for photos." We talked with Stark, photographer David Duncan Livingston and designer Jean Verbridge to get the scoop on how you can find and get the perfect color for your walls.

Color 1: David Duncan Livingston, original photo on Houzz

What makes a color look different from space to space? The ambience, look and feel of a color are highly dependent on an area's light and surroundings. The quality of the light in the room and how it hits each object makes a big difference. "The light can create color casts that change the appearance of the colors," says Livingston. "Think of the coolness of fluorescents or the warmth of incandescents."

"I usually pick the final color based on the time of day I'll be spending the most time in that room," says Verbridge. "It's also easier and less expensive to purchase small paint samples instead of painting an entire room and finding out you don't like the color."

Furniture, trim and accessories can change the look of a color from one room to another as well.

Color 2: David Duncan Livingston, original photo on Houzz

Why do colors look different in photos and online? The changes in color and light in different rooms are captured in photos — and often are more exaggerated, as Livingston illustrates here. While most professional photographers work to correct these color shifts and make the colors clearly, the photos will show up on different devices in different ways. "When an image is reproduced on a laptop, a magazine page or a photographic print, each of the outputs is slightly different, and the colors may shift a bit," says Livingston.

Photographers set their monitor colors to the same calibration, which allows them to get very close with color accuracy in postproduction. But the same standard doesn't apply to other devices. "Most consumers are not looking at things on a calibrated monitor," says Stark. "I wouldn't make a major decision that isn't reversible without seeing [the color] in person."

Color 3: Contemporary Dining Room, original photo on Houzz

How do I get a color I love online into my home? While Verbridge doesn't recommend going with a color listed online or in a magazine — since your own light will likely make it look very different in your space — there's still a way to get the hue you're looking for: Get a hefty supply of paint chips to find a match. "Put the color match next to the photo on your screen and squint your eyes. If the two can blur together, you have a match," says Livingston. Try a few samples from that same paint strip to test in your room to find the best one for your room's lighting and surroundings.

By Vanessa Brunner, Houzz

More • August 18, 2017

Should You Wait out the Housing Market?

by Windermere Economics

The housing market is remarkably tight across the U.S., and you may be wondering if you should wait for home prices to slow before making your move. Windermere's Chief Economist, Matthew Gardner, shares why waiting could end up costing you more money in the long run.

Buying • Selling • August 16, 2017

Downsizing: 5 Things to Consider

by Windermere Staff

Downsizing is on the minds of many homeowners today. Some are ready to retire. Others want to live more simply. Many want to save money and say goodbye to home maintenance. If you can relate to any of those sentiments, ask yourself these five questions:

Have you done the math?

The financial savings that can be generated by downsizing can be significant – especially as they add up over time. Boston College Retirement Center (an independent, reliable resource) makes calculating this savings a snap. Visit www.SquaredAway.bc.edu and click on the calculator titled “Figure out how moving changes your finances” in the tools area of the website.

Have you researched elder-care options?

Many homeowners hold on to their current home longer than they should because their parents / parents-in-law may need to come live with them in the future. While a noble gesture, there are many excellent elder care living options available today. Often, all it takes is a tour of those facilities to realize that your loved one may actually be happier, and far better served, in a place devoted to their care and happiness.

Have you considered off-site storage?

You don’t need to immediately discard a big chunk of your belongings in order to downsize. In fact, trying to do so in one fell swoop only creates stress. Most people find it works much better to move some of their belongings into off-site storage for six months. During that time, you can gradually incorporate some of those items into your new living arrangement, and slowly figure out what to do with the others.

How do you feel about sharing costs and decision-making?

Townhomes and condominiums are popular downsizing options. But both require that you share the decision-making and expenses associated with any maintenance and improvement projects. If you’re a people-person, agree with the old adage that two heads are better than one, and you like the idea of sharing the cost/responsibility for expensive repairs, you’ll enjoy condo living. If not, this may not be the best option for you.

Have you consulted with a real estate agent?

Many homeowners don’t think to consult with a real estate agent until they’ve made the decision to downsize. This leads to guesstimating about some of the most important factors. The truth is, your real estate agent is someone you want to talk with very early in the decision-making process.

More • August 14, 2017

6 Ways to Personalize a White Kitchen

by Guest Author

White-on-white kitchens have been a classic look for many years. Why does this trend endure? For starters, white connotes cleanliness, makes small spaces appear larger, and brightens rooms that are naturally dark.

Although many all-white kitchens are just lovely, some can appear a bit stark or cold. To help clients warm up their white, I recommend a variety of strategies, such as mixing metals and adding contrasting paint, fabric or wood. Read on for inspiration for personalizing your white kitchen so that it stands out from the crowd.

White Kitchen 1: Allard Ward Architects, original photo on Houzz

1. Warm metal accents. Copper, bronze, brass and polished nickel are just a few of the metals that can warm up an all-white kitchen. The gold sconces above the window and the white pendant lights, with their subtle hint of gold, add warmth and a touch of luxury to this all-white kitchen.

White Kitchen 2: GIA Bathroom & Kitchen Renovations, original photo on Houzz

2. Color and metal. Moving beyond metallics alone, a single contrasting color when combined with metals can create drama in a white kitchen. In this photo, a modern white kitchen intermingles black pendants and countertops with gold seating. This combination contributes to the room’s sleek contemporary look.

White Kitchen 3: Orchid Newton Ltd, original photo on Houzz

3. Wallpaper. I love wallpaper, especially in kitchens. Wallpaper can introduce color, movement and dimension to a white kitchen. When applied to a lone wall, wallpaper can create a dynamic focal point, as shown in this photo. The bright white cabinets and crisp white walls are softened by the shades of blue in the fish swimming on the side wall. This kitchen’s under-the-sea motif is enhanced by the blue tile on the back wall and the sea urchin-shaped pendant lights.

White Kitchen 4: IS Architecture, original photo on Houzz

4. Colorful island. Wood-stained islands often appear in white kitchens because of the richness and contrast they bring. This kitchen shows a creative alternative, pairing a chartreuse island with a chartreuse Roman shade. Together they lend a whimsical, personalized feel. To give your white kitchen a personal touch, consider painting your island your favorite color.

White Kitchen 5: Mosaic del Sur, original photo on Houzz

5. Tile rug. Layering in a rug is a great way to introduce color and texture to an all-white kitchen, but some clients worry that a rug could be an added source of dirt as well as a possible tripping hazard.

This clever kitchen resolves both issues with a tile rug instead of a fabric one.

White Kitchen 6: Hindley & Co, original photo on Houzz

6. Backsplash. A tile backsplash also can bring color and texture to your white kitchen. But who says a backsplash must be tile? This kitchen has a counter-level window in lieu of a tile splash. The window faces a luscious succulent garden, thus creating a green vista for an otherwise monochromatic kitchen.

By Barbra Bright, Houzz

Buying • August 11, 2017

Seven Trends That Will Define the Home of the Future

by Windermere Staff

As sophisticated as homes are today, experts predict they’ll be far more so in the not-too-distant future— especially when it comes to their use of technology. Included are seven evolutionary trends that many expect to define the home of the future.

#1: Faster home-construction

Today, it takes somewhere between 18 months and two years to design and build your custom dream home. In the foreseeable future, experts predict that timeline will be slashed to six to nine months.

Architects will use immersion technology to not only develop plans faster, but also enable you to “walk” through a three-dimensional representation of the house and experience what it will be like to live there. Changes to the layout could be incorporated with a few clicks of the keyboard and mouse.

And, instead of delivering raw materials to the construction site and having workers cut and assemble them to match the plans, about 70 percent of the cutting and assembling work will take place in a precision-controlled factory environment. Once the foundation is ready, the pre-constructed walls, floors and roof will be delivered in “folded” sections, complete with windows, doors, fixtures, and even appliances, already installed.

#2: Alternative building materials and techniques

One of the big breakthroughs in home construction coming in the near future will be the use of steel framing in place of lumber.

Steel is not only stronger (able to withstand a 100-pound snow load, 110 mile per hour winds and significant earthquakes), it’s also far more eco-friendly than most people think (manufactured from up to 77 percent recycled materials) and much less wasteful (typical lumber framing generates 20 percent waste, while steel framing generates just two percent).

Other innovative home-building materials moving towards the mainstream include:

Wall insulation made of mushroom roots (it grows inside the air cavity, forming an air-tight seal).
Panels made of hemp and lime.
Windows made from recycled wood fiber and glass.
Recycled-glass floor and counter tiles.
Reclaimed wood (beams and flooring re-milled and repurposed).

#3: Smaller homes with inventive layouts

The optimum home size for many Americans has been shrinking, and experts predict it will shrink more in the future. But it will feel bigger than it is because the layout will be so practical.

The driving forces behind the small-house movement (millennials purchasing their first home and baby boomers looking to downsize) aren’t interested in formal dining rooms, home offices, guest quarters and other spaces that have only one use and are only occasionally occupied. And they certainly aren’t interested in formal entries, high ceilings and three-car garages. They want an informal house layout, with flexible, adaptable spaces that can be used every day in one way or another.

Many of these homes will also feature a second master bedroom, so parents, children and grandparents can all comfortably live under one roof.

#4: Walkable neighborhoods

Even today, homebuyers are willing to give up some of their wants for a new house in order to get a location that’s within walking distance to stores, restaurants and other amenities. In the future, that trend is expected to only grow stronger.

#5: The net-zero house

For some time now, homeowners and homebuilders have both been striving to make the structures where we live more energy-efficient (green housing projects accounted for 20% of all newly built homes in 2012). But in the future, the new goal with be a net-zero home: A home that uses between 60 to 70 percent less energy than a conventional home, with the balance of its energy needs supplied by renewable technologies (solar, wind, etc.).

Essentially, these are homes that sustain themselves. While they do consume energy produced by the local utility, they also produce energy of their own, which can be sold back to the utility through a “net metering” program, offsetting the energy purchased.

#6 High-tech features

The technology revolution that’s transformed our phones, computers and TVs is going to push further into our homes in the not-too-distant future.

Examples include:

Compact robots (similar to the Roomba vacuum) that will clean windows and more.
Video feeds inside the oven that will allow you to use your phone to check on what’s cooking.
Faucet sensors that detect bacteria in food.
Blinds that will automatically open and close depending on the time of day, your habits and the amount of sun streaming through the windows.
Refrigerators that will monitor quantities, track expiration dates, provide recipes, display family photos, access the Web, play music, and more.
Washers and dryers that can be operated remotely.
Appliances that will recognize your spoken commands.
Heating and cooling systems that automatically adapt to your movements and can predict your wants.

#7: A higher level of security

In the future, home will continue to be a place where we want to feel safe and secure. To accomplish that, you can expect:

Sensors that can alert you to water and gas leaks.
Facial recognition technology that can automatically determine whether someone on your property is a friend or foe.
A smart recognition system that will open the garage door, turn off the security system, unlock the doors and turn on the interior lights when it senses your car approaching.
The capability to create the illusion that you’re home and moving about the property when you’re actually someplace else.

This is no pipe dream

Many of these products, processes and strategies are already in use. Some are still being tested. And others are only in the incubator stage. But in the not-too-distant future, experts believe they’ll all be available to homeowners across the country.

More • August 9, 2017

6 Clever Ways to Disguise Trash Bins

by Guest Author

You probably don’t give much thought to your garbage cans, other than remembering to put them out on the right day. But we all have to store our trash and recycling bins somewhere, and doing so can be a challenge on a smaller property, especially if you don’t want them to be an eyesore. If you’re struggling to find a stylish way to store your bins, check out these smart and inspiring ideas. Now, is it black or green bin day this week?

Garbage Bins 1: Outhouse Design, original photo on Houzz

Choose a screen. The curved screen in the corner of this courtyard is an attractive feature in its own right, thanks to the decorative cutwork pattern, and offers an elegant way to hide ugly plastic bins from view.

By using a screen like this, you can section off as much of the garden as you need — to store bikes or garden equipment as well as bins. To blend in the structure even further, you could grow climbers up and over the screen or along the wall behind.

Garbage Bins 2: London Front Gardens, original photo on Houzz

Create a brick shelter. Built in red brick to match the house, and tiled with slate, this practical storage area blends with the property’s exterior and actually enhances the space with its character and interest. The look is mirrored in the raised bed at the front of the drive for a coordinated finish.

A custom compartment on the left neatly houses the bin, while two smaller storage compartments on the right make room for stacking recycling boxes.

Garbage Bins 3: Fenton Roberts Garden Design, original photo on Houzz

Make it part of the garden. The aim of this front garden design was to create a wildlife haven, and rather than see the bins as an unsightly obstacle to be hidden away, the owners decided to make them integral to the design.

They created a sturdy wooden structure with a living roof that works as an extension of the garden and is planted with wildlife-friendly flowers and foliage.

Garbage Bins 4: Beertje Vonk Artist, original photo on Houzz

Design it into an outbuilding. In a larger space, an open-sided outbuilding like this one is ideal for storing and hiding bins. It’s painted a heritage shade and is partly screened in front with evergreen topiary to create a visually appealing feature — a great way to smarten up a drab drive.

This idea would complement a traditional or cottage exterior, but if your style is more contemporary than country, you could choose a sleeker style, or paint it a darker shade to tie in with the exterior of your home.

Garbage Bins 5: Kate Eyre Garden Design, original photo on Houzz

Tuck it into a border. Can you spot the trash bins on this drive? They’re neatly tucked away in the wooden box to the left of this image, and the impact of the structure has been much reduced by positioning it in a decorative floral border and planting low standard trees right alongside it.

The structure also has a green roof planted with succulents to further disguise the box and make it as visually appealing as possible.

Garbage Bins 6: The Honest Scot, original photo on Houzz

Build a clever storage wall. If space is limited, why not make your recycling containers work extra hard by turning their storage area into a boundary wall, as these smart homeowners have. This neat wooden shelter screens the bins from the road while creating a clean, contemporary-style wall.

By Victoria Harrison, Houzz

Market News • August 7, 2017

Idaho Real Estate Market Update

by Windermere Economics

ECONOMIC OVERVIEW

Idaho has added 16,800 new jobs over the past 12 months, representing an above average growth rate of 2.4%. The Education & Health Services sector showed the largest annual job growth, up 4.8%. There were also strong employment gains in Construction, Government Services, Leisure & Hospitality, and Manufacturing.

In May, the state unemployment rate fell for the third consecutive month to 3.2%, underscoring the increased pressure among Idaho employers competing for workers. However, May’s unemployment drop is the result of 2,200 Idahoans exiting the workforce or ending their work search. Additionally, the reduction in the unemployment rate was also affected by the state’s labor force participation rate (the percentage of people 16 years and older with jobs or looking for work), which dropped to 63.4%—the lowest participation rate since July 1976.

HOME SALES ACTIVITY

Second quarter home sales rose by 0.8% compared to the same period last year. In total, 6,339 homes sold in the second quarter of this year.
Sales rose the fastest in Payette County, which saw a 24.7% increase over the second quarter of 2016. There were also noticeable sales increases in Valley County. Home sales fell in Ada County, but the contraction was a modest one.
Year-over-year sales dropped in two of three Northern Idaho counties in this report, but rose in all but one county in the Southern Idaho market areas.
Listing inventory rose in all the Northern Idaho counties in this report, but a majority of the Southern counties saw a decrease in listing activity, which will negatively impact sales as we move into the Fall months.

HOME PRICES

The average home price in the region rose 12.6% year-over-year to $290,811.
Blaine County led the market with the strongest annual price growth. Homes there sold for 30.1% more than a year ago.
A majority of the counties in this report experienced prices rising substantially when compared to the second quarter of 2016, with several seeing significant, double-digit increases.
Home prices in Shoshone and Payette Counties decreased modestly last quarter, but I do not believe this will be an ongoing trend.

DAYS ON MARKET

The average number of days it took to sell a home in the region dropped 15 days when compared to the second quarter of 2016.
It took an average of 116 days to sell a home in Northern Idaho and 95 days in the Southern part of the state.
Homes in two of three Northern Idaho counties took less time to sell than they did in the same quarter of 2016. All of the Southern counties saw a drop in the time it took a home to sell.
Homes sold the fastest in Ada and Canyon Counties, where it took an average of 34 and 35 days, respectively, for homes to sell.

CONCLUSIONS

The speedometer reflects the state of the region’s housing market using housing inventory, price gains, home sales, interest rates, and larger economic factors. Consumer confidence in the housing market seems to have returned, causing the markets in this report to perform well overall and for home prices to continue trending upward.

Even as home sales have slowed in some counties, the market is tight and will likely remain that way for the balance of the year. As such, I have put the needle well in favor of sellers. While I expect mortgage rates to rise modestly through the end of this year and into 2018, they are still very low compared to historic averages. This, in concert with Idaho’s expanding economy, will continue to result in a healthy housing market.

Matthew Gardner is the Chief Economist for Windermere Real Estate, specializing in residential market analysis, commercial/industrial market analysis, financial analysis, and land use and regional economics. He is the former Principal of Gardner Economics, and has over 25 years of professional experience both in the U.S. and U.K.

If you are in the market to buy or sell, we can connect you with an experienced agent here.

Market News • August 4, 2017

Central Washington Real Estate Market Update

by Windermere Economics

ECONOMIC OVERVIEW

Though Washington State’s economy has been expanding at a rapid pace, we are seeing a slowdown as the state gets closer to full employment. Given the strong economy, I expect income growth to move markedly higher in the second half of the year. I also expect the state to add around 70,000 jobs by the end of 2017.

Like much of the rest of the state, Central Washington continues to experience modest employment growth. An additional 1,300 jobs were created between May

2016 and May 2017, which drove the unemployment rate lower (from 6.3% to 5.4%). I believe we will see continued growth in employment, leading to further declines in the unemployment rate through the duration of 2017.

HOME SALES ACTIVITY

Home sales throughout Central Washington were mixed in the second quarter. Sales rose in three markets but dropped in one when compared to the second quarter of 2016. In total, there were 1,169 home sales in the quarter— an increase of 6.3% over the same period in 2016.
Sales rose at the fastest rate in Kittitas County, which had an impressive 28.3% increase over the second quarter of 2016. That said, the market is a small one, so sales activity can fluctuate quite dramatically.
The number of pending home sales— an indicator of future closings—was up across the board. As such, I expect to see regional home sales continue to rise as we move through the rest of the summer.
The number of homes for sale in the quarter was down 14.2% compared to the second quarter of last year. The market is clearly starved of inventory, which continues to push home prices higher.

HOME PRICES

Year-over-year, the average home price in the region rose by 9.1% to $275,979. Price growth remains robust as demand exceeds supply.
Yakima and Kittitas Counties saw relatively modest price increases. The other two counties in this market reported double-digit gains.
All counties in this report saw prices rise compared to the second quarter of 2016. Okanogan County led the way with an increase of 12.6%.
Home prices continue to grow at above average rates due to very limited supply, but I expect the rate of appreciation to start tapering later this year or in early 2018.

DAYS ON MARKET

Across this market, the average number of days it took to sell a home dropped by 25 days when compared to the second quarter of 2016.
The average time it took to sell a home in the region was 98 days.
All markets contained in this report saw the time it took to sell a home drop from the same quarter in 2016.
Homes sold the fastest in Kittitas County, where it took an average of 49 days, which is 32 fewer days than it took to sell a home in the second quarter of last year.

CONCLUSIONS

This speedometer reflects the state of the region’s housing market using housing inventory, price gains, home sales, interest rates, and larger economic factors. For the second quarter of 2017, the needle is well into sellers’ territory. Prices in several markets are still trending above average and inventory issues remain.

I anticipate that 2017 will continue favoring sellers and demand will continue to exceed supply.

If you are in the market to buy or sell, we can connect you with an experienced agent here.

Market News • August 2, 2017

Oregon and Southwest Washington Real Estate Market Update

by Windermere Economics

ECONOMIC OVERVIEW

Oregon has added 46,500 new jobs over the past 12 months with impressive gains seen in the professional and business services, leisure and hospitality, and trade sectors. Also of interest is that the construction sector continues to expand rapidly, potentially signifying greater interest in adding to the region’s housing supply. Year-over-year, employment in Oregon has risen by 2.5%. In May, the state unemployment rate fell slightly to 3.6%. Unemployment was 3.7% in April of this year and 5% in May of 2016. As unemployment edged down, the labor force hit a record high. In May, Oregon’s labor force rose above 2.1 million for the first time and grew by 40,000 in the first five months of this year.

HOME SALES ACTIVITY

Second quarter home sales fell by 5.6% compared to the same period last year. In total, 17,409 homes sold in the second quarter of this year.
Sales rose the fastest in Coos County, which saw a 29.6% increase over the second quarter of 2016. There were also noticeable sales increases in Lincoln, Crook, Wasco, and Tillamook Counties. Home sales fell the most in Skamania, Benton, Linn, Yamhill, and Polk Counties.
Year-over-year sales rose in nine counties, but 17 counties reported declines.
The low level of available inventory continues to affect the market, which is causing sales to slow. Sellers remain firmly in the driver’s seat.

HOME PRICES

The average home price in the region rose 7.8% year-over-year to $362,845. This is down from 9.4% in the first quarter of 2017.
Crook County led the market with the strongest annual price growth. Homes there sold for 41.2% more than a year ago.
All counties in this report experienced rising prices when compared to the second quarter of 2016, and several of these saw significant, double-digit increases.
The rise in interest rates in the first quarter likely activated many would-be buyers, which, in concert with limited homes for sale, likely pulled sales forward.

DAYS ON MARKET

The average number of days it took to sell a home in the region dropped by 10 days when compared to the second quarter of 2016, and is down by 23 days when compared to the first quarter of this year.
The average time it took to sell a home in the region last quarter was 75 days.
In five counties, the length of time it took to sell a home rose when compared to a year ago, but this isn’t a concern right now.
Homes sold the fastest in Washington and Multnomah Counties, where it took an average of just 20 and 23 days, respectively, for homes to sell.

CONCLUSIONS

The speedometer reflects the state of the region’s housing market using housing inventory, price gains, home sales, interest rates, and larger economic factors. Housing markets throughout Oregon continue to benefit greatly from the robust regional economy. Even as home sales have slowed in some counties, the market is remarkably tight and will likely remain that way for the balance of the year. As such, I have moved the needle slightly more toward sellers for the second quarter.

If you are in the market to buy or sell, we can connect you with an experienced agent here.