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NEW NAME – Green Isle Real Estate & Mortgage

NEW YEAR BRINGS NEW EXCITING CHANGE!!!

Green Isle has been engaged in real estate in the Greater Sacramento Area for over 13 years and has now made a HUGE addition to its expertise which will prove to be an amazing asset to any of our past, present and future clients.

We are now Green Isle Real Estate & Mortgage

Our years of experience in the changing markets coupled with the honesty and integrity we have always brought to the process will now spill over into the lending field. If you are looking to buy or refinance your property(ies), then we are here for you.

#lending #loans #mortgages #growth #realestate #itsyourmove #realtor #home #greenisleblog

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2020 Market Predictions!

2020 Real Estate Outlook: Expert Predictions For Mortgage Rates, Home Prices, Tech And More

The 2019 housing market has been one of low rates, high demand and limited supply—particularly on the lower-priced end of the market. Will 2020 be more of the same? According to experts, yes and no.

Here’s what six mortgage, real estate and housing professionals say is in store for the year to come:

Mortgage rates will stay low—or maybe go lower.
Mortgage rates currently sit at 3.75%, according to Freddie Mac’s most recent numbers—nearly a 1% difference from the monthly average a year ago. The drop in rates caused a surge in refinancing over the last few months, and purchase activity ticked up as well.
According to Odeta Kushi, deputy chief economist at title insurance and settlement services provider First American, there’s “emerging consensus” that rates will remain low next year—likely somewhere between 3.7% and 3.9%, she says.
Forecasts from Freddie Mac and the Mortgage Bankers Association back this up, both predicting 2020 rates within this range. Fannie Mae actually predicts rates will clock in even lower, vacillating between 3.5% and 3.6% throughout the year.

Prices will keep on rising.
Home prices will continue their climb upward, according to experts, largely thanks to tight inventory and high demand.
According to the latest home price forecast from property data firm CoreLogic, home prices should tick up by 5.6% by next September—up from the just 3.5% jump we saw this year.
As Daryl Fairweather, chief economist for real estate brokerage Redfin, explains, “Right now we aren’t seeing a ton of new listings. Without more listings coming on the market, there will be more competition starting off in early 2020 and that will lead to more price pressure.”
The problem will be worse on the lower end of the price spectrum. According to Ralph DeFranco, chief economist for mortgage insurer Arch MI, entry-level home prices will rise higher than incomes next year—and disappointing construction numbers will only compound the issue. It seems the price growth may continue beyond 2020, too..

Inventory will be tight.
Housing inventory is going to remain limited for much of 2020, experts say. And interest rates and record-high homeownership tenures are a big part of the problem.
According to recent data from Redfin, the average homeowner is staying in their home 13 years—up from just eight years in 2010. In some cities, homeownership tenures are as high as 23 years.
As Kushi explains, “You can’t buy what’s not for sale. While historically low rates increase buying power and make it more likely for potential buyers to attain their homeownership dream, they also increase the risk of a long-run housing supply shortage, which we predict will continue through 2020 and possibly intensify,” Kushi says. “As first-time buyers lock-in these historically amazing rates and existing owners refinance—in droves in recent months, everyone will stay put and not sell. Where’s the incentive?”
“As for building new homes, builders have a reason to be cautiously optimistic, given pent up demand stemming from a strong economy, lower mortgage rates and continued wage growth,” she says. “However, building pace still lags behind historical standards, and it will likely take months before we can begin building at a pace that will support the demand.”

Millennials will keep up their homebuying streak, while Boomers hold up inventory.
Data from Realtor.com shows Millennials made up a whopping 46% of all mortgage originations in September—up from 43% one year prior. Meanwhile, shares of Baby Boomer and Gen X mortgage activity declined.
It’s no wonder, either. Millennials rank homeownership as one of their top goals in life—higher than even marrying or having kids—and with interest rates low and incomes up, it’s the right time to buy a home for many.
The Baby Boomer generation is part of the challenge for this younger cohort, as many are choosing to age in place—keeping more homes off the market than ever before.
In fact, a recent study from Freddie Mac shows that if today’s older adults—those born between 1931 and 1959—behaved like earlier generations, then an additional 1.6 million homes would have hit the market by the end of the last year.

The suburbs will be a big draw thanks to Millennial demand.
As home prices skyrocket, cash-strapped Millennials are looking toward more affordable places to put down roots—namely smaller, suburban towns on the outskirts of major metros.
The trend has led to an uptick in “Hipsturbia” communities—live-work-play neighborhoods that blend the safety and affordability of the suburbs with the transit, walkability and 24-hour amenities of big cities.
The Urban Land Institute recently named Histurbia as one of its top real estate trends to watch in 2020. As the report explains, “If the live-work-play formula could revive inner cities a quarter-century ago, there is no reason to think that it will not work in suburbs with the right bones and the will to succeed.”

The industry will continue to digitize.
The mortgage and real estate spheres have been moving away from their manual, paper-laden processes in recent years, and 2020 will only see that trend expand further—especially as more tech-savvy Millennials enter the market.
As Hundtofte explains, “In 2020, we’ll continue to see Millennials growing their share of the mortgage market, which in turn, will serve as a catalyst to lenders to continue to rapidly innovate their technology offerings to meet the expectations of an audience more accustomed to an Amazon, Venmo-like experience.”

#2020realestatemarket #2020predictions #realestate #itsyourmove #realtor #home #greenisleblog

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Some Christmas Decorating Tips!

Just Four Christmas Decorating Trends

Who’s ready to change up their holiday decorating this year? I understand it may be difficult to branch away from the same way you’ve been decorating for years. However, these new trends may just change your mind! These Christmas decor trends offer a little something for everyone. Use these decorating trends to spruce up your home for the holidays and turn your home into one of the most magical homes in your neighborhood for Christmas.
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Buffalo Plaid For That Cozy Touch
One of the biggest trends we’re seeing this year is the use of plaid Christmas decorations. We absolutely adore these plaid decorations. We found out that plaid will remind you of those winter nights leading up to Christmas with its comfortable checkered patterns. Let the plaid on these decorations add that cozy touch to your holiday decorations. With different colors and decorations to choose from, you can find the perfect one that suits your home.

Gold & Black Are Taking Center Stage
Red and green will always be associated with Christmas, but this year black and gold are making a statement on Christmas trees and tabletops. The combination of their bold colors creates a look that people are loving for the holidays. Get the look by adding a few gold and black ornaments on the tree, or a gold Christmas tree tabletop decoration on a table. However you decorate with gold and black decorations, you will get that festive touch in your home.

Rustic Decor For That Warm Look
Modern isn’t always the look people are going for, and we’re seeing that this holiday season. We love seeing an increase in the use of more rustic Christmas decorations because it helps bring that cozy feel in any home. If you want that warm, more country look in your home this year, rustic Christmas decorations will do just that. Let the Santa figures greet your guests at the door, or add a few tabletop decorations around the house for a festive look.

Get Creative With Maximalism
Are you someone who just loves to mix and match everything? Then this maximalism decorating trend is just for you. We love seeing those bright-colored, textured, and patterned decorations all being paired together to create one beautiful indoor holiday display. Have you tried taking a traditional Christmas wreath and add some bright-colored ornaments and ribbon to it? This would definitely be a great decoration to welcome your guests with. Put your creativity to the test with this new trend, and see how well you can combine your Christmas decorations.

#christmasdecoration #holiday #christmas #family #Itsyourmove #realtor #home #greenisleblog

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Creating Positive Workplace Culture

How To Create A Positive Workplace Culture

A workplace culture is the shared values, belief systems, attitudes and the set of assumptions that people in a workplace share. This is shaped by individual upbringing, social and cultural context. In a workplace, however, the leadership and the strategic organizational directions and management influence the workplace culture to a huge extent. A positive workplace culture improves teamwork, raises morale, increases productivity and efficiency, and enhances retention of the workforce. Job satisfaction, collaboration, and work performance are all enhanced. And, most importantly, a positive workplace environment reduces stress in employees.
How can organizations create a positive workplace culture?

1. Establish clear ethos and values for the organization: It is important to have a set of clear organizational core values that are communicated effectively and discussed with the employees so that they feel part of it. It is crucial that actions are taken regularly so that the employees feel an individual and personal responsibility towards these values. This will ensure that they can evaluate their own attitudes towards these positive core values and take pride in them. Positive attitudes and positive actions make for a positive workplace culture.

2. Foster collaboration and communication: Leadership and management style that encourages teamwork, open and honest communication is vital to creating a positive feeling in the workplace. Open and honest communication also means that feedback is welcomed and opportunities for social interaction are enabled. These can include coffee mornings, team getaways and family weekends. Also, strict no tolerance open door policies and complaint procedure for workplace bullying is crucial for creating a positive collaborative environment.

3. Create an inclusive work environment: A positive workplace is one where all the employees are valued, supported. All employees should have equal opportunities to progress and equal access to all the perks and rewards on offer. An inclusive workplace is one that values individual differences in the workforce and makes them feel welcome and accepted. Include signage that supports inclusivity, is clear and positive.

4. Create clear goals and rewards for the employees: A survey by Deloitte showed that 83% of executives and 84% of employees rank having engaged and motivated employees as the top factor that substantially contributes to a company’s success. Motivated and engaged employees can be created if they are treated equally and have clear goals that they can work towards. Having a transparent policy for progression and promotion offers the staff an opportunity to measure their performance. When goals are positively reinforced, and achievements are recognized and celebrated, it leads to employees feeling valued which in turn creates a positive feeling in the workplace.

A positive culture in the workplace is essential for fostering a sense of pride and ownership amongst the employees. When people take pride, they invest their future in the organization and work hard to create opportunities that will benefit the organization. By identifying and rewarding those who are actively striving towards creating a positive work culture, and supporting others around them, companies can encourage others to do the same. Positive attitudes and behavior in the workplace are the direct results of effective leadership and a positive management style.

#thanksgiving #family #Itsyourmove #house #realtor #home #realestate #broker #greenislepropertiesblog

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