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 It was a rocky week for Wall Street as investors digested a host of economic data including weak retail sales, positive producer price index numbers and news of large layoffs at massive tech firms. It was mid-week when the S&P 500 posted its worst day in more than a month while the Dow Jones closed 600 points lower. Data from the Commerce Department showed consumer spending slowed by 1.1% in December as Americans struggle against inflation. This bolstered concerns about inflation and pushed investors to take a much more cautious approach ahead of the Federal Open Market Committee’s February 1 meeting. There was positive news from the Labor Department showing the producer price index (PPI) declined by 0.5% month-over-month—economists had predicted a 0.1% decline. It was the largest monthly decline for the PPI since April 2020. Mixed opinions from Fed Presidents about the current state of the economy have also left investors in a state of flux. Currently, investors are expecting an increase of 25- to 50-basis points at the Fed’s next meeting on Feb. 1. But, St. Louis Fed President James Bullard is in favor of a quicker move above 5% for the federal funds rate. Bullard’s hawkish stance of “frontloading” rate increases, like the Fed did last year with consecutive 75-basis point hikes, worked well. Boston Fed President Susan Collins agrees the overnight lending rate needs to move above 5% where it should say “for some time,” but her approach for when we reach that level was more dovish. “More measured rate adjustments in the current phase will better enable us to address the competing risks monetary policy now faces – the risk that our actions may be insufficient to restore price stability, versus the risk that our actions may cause unnecessary losses in real activity and employment,” Collins said. The results of the government data and comments from the Fed presidents sparked a flight to government bonds, pushing the yield on the 10-year Treasury note down by 14 basis points. On Wednesday of last week, the 10-year hit 3.88%, its lowest level since September 2022.  MORTGAGE RATES MOVING DOWNWARD, DEMAND RISING
There has been a lot of good news for homebuyers recently as mortgage interest rates continue to decline. The latest Freddie Mac 30-year fixed-rate mortgage average declined again week-over-week, hitting 6.15%. Freddie Mac economists attribute the decline to positive news about inflation, saying “As inflation continues to moderate, mortgage rates declined again this week. Rates are at their lowest level since September of last year, boosting both homebuyer demand and homebuilder sentiment. Declining rates are providing a much-needed boost to the housing market, but the supply of homes remains a persistent concern.” Supply will become even more of an issue as demand starts to creep back up. The Mortgage Bankers Association’s data showed that mortgage applications jumped by 28% for the week ending Jan. 13. The increase came from both refinances and purchases as the dip in rates benefitted both parties. The MBA’s new home purchase application data showed a different story, however with new home purchase mortgage applications declining by more than 25% in December compared to December 2021. Joel Kan, the MBA’s Vice President and Deputy Chief Economist, said in their release “The decline in activity was in line with single-family housing starts that were 32 percent lower than a year ago. Higher mortgage rates and a weakening economy held back buyers at the end of last year.” There is some positive news on the homebuilder front this past week as builder sentiment increased for the first time in a year. The National Association of Home Builders/Wells Fargo Housing Market Index rose by 4 points to 35. Just one year ago, the index had a reading of 83. Anything above 50 is considered positive. NAHB Chairman Jerry Konter said of the increase, “It appears the low point for builder sentiment in this cycle was registered in December, even as many builders continue to use a variety of incentives, including price reductions, to bolster sales.” Konter continued, “The rise in builder sentiment also means that cycle lows for permits and starts are likely near, and a rebound for home building could be underway later in 2023.”  “You still see the hope in their eyes.” When Atlanta-based real estate agent Maura Neill agreed to sell a home this fall, she knew she faced an uphill battle. For one, the housing market had cooled significantly. But worse, these home sellers weren’t quite willing to accept this new reality and drop their price. Several months earlier, these sellers had listed their house with another agent for $525,000. When this failed to bring in an offer, the sellers reduced the price to $499,000. Still no bites. Neill suggested the sellers drop the price again to $450,000, but they “fought” her recommendation. Neill then suggested the sellers get a second opinion through a pre-listing appraisal. They reluctantly agreed but thought it was a bit “fishy” that the appraiser’s suggested bottom line came in precisely at Neill’s suggested price of $450,000. Neill could understand their disappointment, given the COVID-19 era of red-hot bidding wars had ebbed alarmingly fast. “Now, what probably would have sold in a day in February is just sitting,” says Neill, who’s with Re/Max Around Atlanta. “If they’ve already been listed for 90 to 100 days when I get the call, they probably have an inkling” they’re pricing too high. Still, for many sellers, that’s a tough pill to swallow. In the end, Neill’s clients agreed to list at $450,000—and were pleasantly surprised by more showings in the first week than in the previous three-month period, and were under contract within days. Ultimately, the sellers were grateful and acknowledged Neill’s counsel was correct. But that’s not always the case. “Many sellers who missed the top of the market are looking for someone to blame,” Neill says. Why home sellers are stuck on high prices All across the country, real estate agents are having difficult conversations with home sellers who can’t quite accept that they won’t get the same price a neighbor did several months earlier. Realtor.com® data confirms sellers’ worst fears, with the median national list price declining from an all-time high of $449,000 in June to $417,000 in November, according to our most recent monthly report. What’s more, the share of listings with price reductions grew from 9.4% last November to 19.6% this year. “It is really hard for sellers to adjust to this market, and I have every sympathy for that,” says Joan Rogers, with Windermere Realty Trust based in Portland, OR. “Homeowners are basing their expectations on past information that’s still out there. In the housing market, the past is still with us in a way that is psychologically and emotionally confusing.” Watch: 5 Ways To Sell Your Home for More Money in Today’s Market Sean Carpenter, with Coldwell Banker in the Columbus, OH, area, has heard his share of “But my neighbor got X” in the past few months, he says.
“It’s like a New England Patriots fan saying he’s gotten used to winning the Super Bowl,” he explains. “But that was with Tom Brady on the team.” Conditions are different now, Carpenter notes, and it’s better for you to accept that when your real estate agent tells you than to learn it the hard way, by having your home sit on the market for some time. Because the longer your home sits on the market, the more reluctant buyers will be to take a look—and the cycle spirals downward from there. Real estate agents often act as therapists for people getting ready to make one of the biggest financial moves of their lives, and the upheaval of this market calls for some serious counseling. Peter Constance, who works for @properties-Christies International Real Estate in Chicago, often finds himself acting much like a therapist for distraught sellers who fear they’ve missed their big chance to cash in. He advises home sellers to not dwell on how much more they could have gotten six months ago if they weren’t ready to move then. “Don’t think of it as a transaction; think of it as a transition,” Constance explains. Still, being philosophical about the market can go only so far. Here are a few tips to consider when selling, and considering your price, in a challenging housing market. Consider a Plan B before you execute on Plan A It’s always a good idea to think about a backup price if your original asking price doesn’t come through, but perhaps never more so than during a market in transition like this. You’ll probably find your real estate agent thinks it’s a good idea as well. “Sometimes I write into the contract that if we don’t have a certain number of showings or offers by a certain point, they will reduce the price,” says Rogers. Look at multiple data sources for pricing consideration Perhaps the best way to price your home is to look at similar homes that have sold recently. But right now, you’ll probably also want to evaluate current listings to see your competition, Rogers says. Look at listings that were pulled off the market to see if there are patterns with those properties. Don’t take it personally Do get used to homes not selling immediately. “We need to get sellers back in the mindset that selling in a day or an hour is not normal,” Neill says. “If mortgage rates were still 3% or 4%, buyers would be knocking down your door. This is just the way the market is right now.” Adjust your price quickly if you’re not getting any interest While leaning on your agent’s expertise is always a good idea, even the pros don’t always get it right. Constance represented a home listing last summer and knew how much a comparable home had just sold for. He suggested an initial listing price of $639,900, with the expectation that the owner might eventually get $620,000. Four weeks later, they had about four showings and no offers. “The interest rate environment has not only changed, it continues to change,” Constance says. “The mood of the consumer is changing quickly. People are frozen in place, is what I’m seeing. That’s why people like me with 20 years of experience sometimes miss the mark.” He advised his client to drop the price to $599,000. They immediately had nearly a dozen showings, Constance says, and an offer his client was happy to accept. Bottom line: It’s best to set the correct price initially. However, if you don’t, then act quickly and decisively to get it right the second time. Photo Credit: Getty Images  Having a designated space in your home that’s large enough to accommodate a growing home-based business is crucial to your company's success. If your current home doesn’t fit the specifications you need, it may be time to move to a more suitable place. There are several factors to consider and steps to take when moving and starting a home-based business at the same time, a few of which are explored below courtesy of Daren Cullen Central Oregon Premier Realtor.
Buying a New Home Looking for and purchasing a new home is a long and involved process—even for those who aren't planning to open a home-based business. Here are some ways to make it easier. To qualify for a home mortgage when you’re just starting out, Rocket Homes notes you’ll have to provide proof of a stable income. Most mortgage lenders want to see two years of steady income, so it’s a good idea to keep your current nine-to-five until you’ve secured a lender. You’ll also need a good credit score and a sizable down payment. Zillow points out that minimum down payments and credit scores depend on the lender and type of loan. For example, for an FHA loan, you need 3.5% down and a minimum credit score of 580. Understanding these processes and necessary expenses makes it easier to save money when you're buying a new home. Other ways you can save include finding a reputable real estate agent, buying during the winter months, choosing a short-term mortgage, and purchasing a home as-is instead of expecting the current homeowner to foot the costs, which can drive up the price of the property. If you do opt for buying as-is, be sure to first check areas that may need major repairs, such as the roof. Sellers list a home as-is when they don’t want to pay for costly repairs. While this can save money, if you find major problems after closing, you’ll be responsible for fixing them. As-is sellers must still meet minimum federal and state disclosure statements. To avoid unexpected costs when buying a house sold as-is, consult with an attorney, who'll examine land records for liens and hire an inspector. Things to Consider When Starting a Home-Based Business Just because you’re operating a home-based business doesn’t mean you should forego opportunities to venture out and network when you can. Having business cards on hand when you make new contacts is helpful for building relationships. Any time that you find yourself out, have some cards available to help market your business. To protect your assets, including your new home, you may want to register your home-based business as a limited liability company (LLC). This structure can be formed by one or more individuals and prevents the loss of personal assets if the company gets sued or files bankruptcy. An LLC also protects the identity of the members of the business, which can keep creditors from harassing you at home if you owe money. As an LLC owner, you can choose the way your business is taxed, reduce the amount of paperwork you need to do, and create a more professional image for your home-based business. To save money, it’s possible to form an LLC on your own or with a formation company. Different states have different requirements for forming an LLC, so it’s important to research the specifics for Oregon. Once you have your business established, you’ll need to choose accounting software along with some other business management software. There are great options online for managing your payroll services, many of which include direct deposit, tax penalty protection, and 24/7 support services. You can even automate your payroll, which can help you free up some time for other tasks related to your business and your move. Changing Life’s Direction with a New Business in a New Home Purchasing a home is a major investment. This is especially true if you plan on starting and maintaining your business from the location. Research to understand how much you can afford, what you need to be approved, and how you need to structure your company in order to get the most for your money. If you are looking to buy or sell in Bend, OR, Daren would love to help with your real estate needs. With her help, you can focus more on your business during the transition. Contact Daren today! Photo Credit: Andrea Piacquadio via Pexels  The changing colors and cool autumn air serve as reminders that it is time to start thinking about fall and winter home maintenance. These little projects can prevent bigger more expensive problems and headaches down the road. The tips below will help prepare you for the cold months ahead.
Service Furnace This tip can save you time and money if it is taken care of before the cold weather arrives. No one wants to be in a freezing cold house with no heat. It is recommended that you have your furnace serviced every year. If there are any problems, it is better to find out about them now when the repair service is less likely to have a waiting list. Clean Your Fireplace & Chimney One of the best things about winter is cozying up next to a nice warm fireplace. But before you do, you need to make sure that the residue from last year's fires is gone. This is really important because the residue from the smoke is flammable. It is also important to make sure that there are no obstructions from debris, sticks, or leaves that might prevent the fumes from venting out of the chimney properly. A professional Chimney Sweep can help you with this. They will also look for any damage that might cause problems or malfunctions. Check Batteries In Smoke & Carbon Monoxide Detectors It is always important to be sure that your smoke and carbon monoxide detectors are working properly but it is especially important at this time of the year. Carbon Monoxide is caused by fuels not burning completely, including wood, gasoline, coal, propane, natural gas, gasoline, and heating oil. This can come from clothes dryers, water heaters, ovens, ranges, or a fireplace. Fall and winter are the seasons that we are using our fireplaces and space heaters. These detectors are your first line of defense so you want to make sure that they are working. Re-Caulk Windows & Door Casings This is a simple DYI project that can save you up to 20% on your heating bills. Leaks from doors and windows let the cold air in and your warm air out. This project is quick, easy, and definitely worth it! Fix Cracks In Your Driveway & Walkways When water gets into cracks and freezes, it expands. This can make the crack bigger and even crumble eventually creating a pothole. You can prevent this with a concrete crack sealer. Clean Your Gutters The falling leaves of autumn are inevitable. As the trees in your yard drop their leaves, your gutters will get clogged up with dead foliage. Clogged gutters won’t funnel rainwater away from your house as they are designed to do. It is important to clean them out to prevent water from overflowing and damaging your home’s foundation, exterior, or interior. If you have a lot of trees, you will have a lot of dead leaves, so you may need to clean your gutters a couple of times throughout the season. Rake The Leaves Removing fallen leaves from the lawn helps to keep your grass healthy. A thick layer of leaves can deprive the grass of oxygen and sunlight, weakening it and possibly killing it. A few leaves won't hurt because when you cut the grass the lawnmower will chop them up and actually provide nutrients to the grass when they decompose. And with that thought, why not start a compost pile with the leaves you rake up? They will provide rich organic nutrients that you can sprinkle on your lawn and garden next year. Plant Bulbs For Spring Blooms Speaking of next year's garden, there is nothing like seeing spring flowers in your yard after a long cold winter. It can be hard to think of tulips, daffodils, and hyacinths at this time of the year but when spring comes, you will be so glad you did! The bulbs need several months of cool temperatures to bloom so now is the time to do it. Make Sure Outdoor Water Is Off Water left in your exterior faucets and pipes can freeze and burst the pipes. To prevent this from happening, make sure that your outdoor water valves and sprinkler system are off. Also, any residual water in your garden hoses will freeze and split the hose. To save yourself from having to purchase new hoses next year, drain them and store them indoors. Photo via Pexels  Different markets tend to follow a pattern of seasons, one season where it sells the hottest and the season where the market never got touched. And one of the most common reasons where almost the market slows down is during the cold days of fall and winter.
During this day the focus of the market quickly drifts and the housing market is no exception. People tend to close their houses in the market during this season because of the usual cons it brings. Examples are the inconvenience of the cold weather and the preparation for the holidays. But opening up your house during the season also brings a lot of benefits. And some of it may look like a disadvantage but it actually is not. Below are the reasons why it is a good idea to not take off your house during the fall and winter seasons Inventory goes down, and so does the competition Since it is a common practice for home sellers and realtors to close the house in the market caused of the season, the competition in the market for houses will drastically change also. The inventory in the market will be lessened thus opening your house during this season will likely get more noticed and appear to buyers more often. There will be fewer houses up for grabs thus people who are serious or still looking to buy a house will have their choices of house limited. With this, your house will be available for them to look into and consider buying one of their own. Dedicated Buyers during the season Some buyers are still looking for a house to buy despite the condition of the weather And those are the buyers who seriously looking for a place to buy and live in. Those are the buyers that are dedicated to looking into houses, may it be for a job-specific reason or they want to relocate as quickly as possible. These buyers are the ones who typically will buy the house at sight as searching for another one will take longer than usual because of the limited choice they have. Hence opening your houses to this season will meet buyers who are dedicated and serious to buy the house thus quickly selling the house for sale. It will showcase first-hand the homes energy efficiency What is the best way to showcase that the house for sale is well prep and energy efficient than showing it off during the harshest season there is? Showcasing the house during the cold season will easily help the decision the buyer to buy the house. It highlights firsthand the capabilities of the house to save energy efficiently. And no buyer will have any questions about the energy as they can see and feel the proficiency of the house themselves. With this, it will help the decision of the buyer as they can attest to one of the important factors in buying a house which is being energy efficient. Decorate with the feel of the season There is no good way to say it but decorating the house for sale with one of the most celebrated seasons of them all can just make your house easily sold off. Making your house open during the holiday season will surely captivate the buyer to buy the house as you show that the house can feel homey, warm, and in good spirits. The added factor also of emotion as seeing that the house is fit to what the buyers want can make them buy the house in an instant. So it is not a bad idea to open your house during the winter season, seeing as you can go with the holiday as your factor to selling off the house. Final thoughts There are some disadvantages in opening your house on the market during the season but with these advantages, you can surely find a way to sell your house despite winter and fall. Photo via Pexels  If you have been paying attention to the real estate headlines, you are probably aware that there seems to be a lot of confusion when it comes to buying or selling a home right now. It can be difficult to know what and who to believe when everyone seems to have a different opinion. The
truth is that we can only predict the future by looking at the past. Right now, indicators are pointing us toward a potential recession and many people are concerned about how a recession might affect the housing market. While history does not always repeat itself, it is helpful to have an idea of what to expect. What we do know is that what determines how the real estate market is affected by a recession is the impact of demand and affordability. Recessions happen when there is a widespread drop in spending. This is usually due to a lack of consumer confidence and loss of business. Traditionally, the definition of a recession is two quarters or six months of economic decline and we are already seeing that. It is important to remember that a recession doesn’t necessarily mean that there will be a recession in home prices. Historically, what we see is that housing values typically increase during a recession. It may be a little slower, but they do still appreciate. If we go back to 1980, home prices appreciated in four of the six recessions. Also, if we take a look at mortgage rates in previous times during economic decline, rates decreased. The federal reserve usually lowers interest rates during a recession to help make the cost of borrowing more affordable. This can be a good time for homeowners to refinance at a lower rate. Overall, the housing market is still stable. Inventory remains tight with many homes still commanding full list price. The bottom line is that even during a recession, real estate is still a sound investment. Homes are still likely to appreciate during a recession and mortgage rates are likely to go down which is great news for homebuyers and for some homeowners. If you have been wondering about how to proceed with your real estate plans in today's market, it is best to work with an experienced real estate professional who can keep you up to date and provide guidance with your specific concerns. Give us a call today, we will be happy to help you in any way that we can. Image via Pexels  Many people choose entrepreneurship for the opportunity to live and go where and when they like. If this means owning homes in multiple states for you, you have your work cut out for you. However, if you take the time to plan your logistics well, you can enjoy multi-state living without experiencing a paper-thin bottom line.
Today, Daren Cullen shares a post that can help you make the most of two or more living arrangements. A schedule is a must. When you’re trying to run a business, your employees need to know where you are. For this reason, one of the first things you must do is establish a schedule of where you are, which is especially important if your homes are in different time zones. Have a registered agent. If your business is an LLC, you are likely your own registered agent. However, if you are not always in the same place, it can help to have a registered agent in each city. This is an individual who can participate in the decision-making process while you’re away. They’ll also be the one to get notified of any legal or tax action taken against you. Do your research before you appoint someone, as laws may be different from one home state to another. Shop around for services. While it might take some work off the cuff, you’ll also want to put some energy into shopping around for common services that will travel with you from state to state. This might include things like net-based television services or online counseling so that you do not have to pay different rates in different states. Make big purchases that will move with you. Some things that we think about being stationary, such as our security cameras, tools, and exercise equipment, may be better off purchased once and relocated as needed. Before you spend the money on health and safety products, read some reviews that were not written by the manufacturer or paid influencers. This way, you know that you’re getting a quality product that will last and can stand up to the demands of moving. Common Costs You Might Run Into Owning Two Homes In Different Cities While you may not incur all of the following costs, it’s good to know what you can expect for assorted expenses and states around the country.
There are many costs associated with owning a business and a home in multiple states. But, with a bit of planning, like choosing a registered agent, knowing the cost of storage and other expenses, and careful budgeting in the form of buying your healthcare in the cheapest state, you don’t have to worry about how your living arrangements will impact your business’s profits. If you are thinking about relocating to Central Oregon, Daren Cullen wants to be your realtor. As a certified residential Specialist, Daren has the skills you need to help you find your new home, even if you’ll only be here part of the year. Image via Pexels  Extroverts, rejoice! Summer is here, and it’s once again safe to gather with family and friends. But after nearly two years of spending time solo and working remotely, you may be realizing that your current space isn't exactly dinner party-ready. Here's how to choose a new home that's ideal for entertaining, presented below by Realtor Daren Cullen.
Renting vs. Buying Is it better to buy or rent? It's the age-old question, and in this era of historically low mortgage rates, the answer is, buy if you can! Learn more about your mortgage options, and get pre-approved for a loan before you officially begin your home search. While conventional mortgage rates are outstanding right now, you may qualify for an FHA or VA loan with even more favorable terms. Make sure you utilize websites that can help you keep current and learn more about 15 year fixed mortgage rates today. Open Concept Floor Plan Imagine kids playing board games at the table, adults watching football in the family room, and a few chefs in the kitchen. With an open concept home, you can all be together while engaged in different activities. A spacious floor plan allows the inviting smells of the kitchen, the warmth of a fireplace, and the sounds of soft music to permeate your entire main level. Before you host your holiday gatherings, add some festive touches to the living areas, and have the fireplace cleaned and serviced. Outdoor Living Entertain guests year-round by choosing a home with indoor-outdoor flow. A large backyard with a deck is the perfect place to barbecue in the summer or sit around the fire pit on crisp fall evenings with a mug of hot cocoa or mulled wine. Add a hot tub, and your guests can even relax in comfort while it snows! Great outdoor space provides unlimited options for themed parties or larger gatherings. A Gourmet Kitchen They say the kitchen is the heart of the home. But as any host knows, it's also where all your loved ones seem to congregate during gatherings. If you host gatherings frequently, avoid a cramped or galley-style kitchen, which can cause traffic jams. Instead, choose a home with a spacious kitchen, even if it's a little out-of-date. You can always upgrade a few key appliances to stainless steel to provide a cohesive, modern look your guests love. Bonus Space Loft or basement, finished or unfinished — look for homes with some type of bonus space, and build the perfect party zone. The possibilities for a bonus room are endless: a pool table, air hockey, a wet bar, a cinema-quality home theater, an arcade, or even a mini-bowling alley. With an amazing bonus space, your home is sure to become the preferred hangout for kids, teens, and adults alike. Ready to Make Your Move? In this competitive real estate market, you need a local expert with the right experience to help you find the perfect home for entertaining. Contact Realtor Daren Cullen to help you start the journey to your dream home in Bend. Image via Unsplash  It is a very interesting time in the real estate market. Over the past few years we have seen historically low interest rates resulting in a buying frenzy.
Now with the increase in rates, we are beginning to see the market cool off a bit. The rising rates were intended to balance out the market and that is exactly what is happening - we are beginning to see a more balanced market. While the market is showing signs of a cooling period, inventory remains low and demand is still high. We are hearing a lot of talk about how homebuyers will be affected by the increase in interest rates but in reality, the increase in interest rates affects both buyers and sellers. When rates go up, buyers lose buying power. The increase in interest rates means that a mortgage is now more expensive making monthly mortgage payments higher. This can actually price some homebuyers out of the market. For example, at a 3% interest rate, the monthly payment on a $500,000 home with 20% down, would be $1,686. At a 6% interest rate, the monthly payment for that same home would be $2398. So as you can see, it makes quite a difference. The good news for home buyer's is that the urgency is gone. You will not only have more to choose from, you will have more time. From a home seller’s perspective, this means that your pool of potential buyers shrinks. As rates rise, fewer buyers can afford to buy. We are not seeing as many offers now and home prices aren't being bid up as they have been in the past. Although the market is not as hot as it was before the rate increase, remember, we are still in a seller's market and demand is still high - just not as high. Initial rate hikes always seem to create a panic. It is important for home buyers and sellers to realize that while interest rates have risen, from a historical viewpoint, the current interest rates are pretty normal/average and, the housing market is still healthy. Photo via Pexels  There’s a lot to get done after moving into a new home. You need to clean, unpack boxes, fill up your fridge, and tackle a never-ending list of address changes. Whether you’re moving across town or from out of state, it’s always a little challenging to get settled in a new area. Thankfully, we’re here to help! Below, you’ll find a list of tips and resources from Daren Cullen to help you get your life back in order and settle into your new home.
Setting Up Your Home New houses can feel strange and unfamiliar at first. These steps will help your new place feel like home more quickly.
Accessing Local Services Start looking for new local services, like a doctor and a veterinarian, to support your family’s health and wellness.
Moving from Out-of-State When you move to a new state, you must update your license and vehicle registration.
Explore Your New Home As you work your way through your post-move checklist, get out and explore your new home. Say hello to your neighbors and see what your city has to offer.
Moving is always a lot of work, but it’s also exciting! Try to focus on the fun of exploring a new city and meeting new people rather than getting caught up in the long list of things you still need to do. Work your way through that checklist one step at a time. Are you still looking for your new home? Get in touch with a local real estate agent like Daren Cullen for help finding the perfect new home in Bend, Oregon! Send an email to [email protected] Photo via Pexels |
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