December Steve & Jack's Home News

Happy Thanksgiving!!! We hope you are looking forward to spending some quality time with friends and family this holiday weekend and that, if you are traveling, you return home safe.

Steve and his family are hosting Thanksgiving this year and Jack and Mary Anne will be joining them. The rest of Brigid's family will be staying put this year as we will get together over Christmas. Steve's sister Michelle is heading to her sister-in-law's house in Kentucky for a couple of days, but her husband Steve will be staying here as he is an RN at Community North Hospital and has to work Wednesday and Thursday evenings.

Thank you to everyone who joined us for our last Happy Hour of 2019 last Thursday!! We had a great group and had a lot of fun!!! Please mark your calendars for our first Happy Hour of 2020 on Thursday, January 16th from 5-6:30PM at Matt The Miller's in Carmel. We would love to see you!!!

Also, thank you to everyone who attended our 6th Annual Photos with Santa on Sunday! We had a record-breaking crowd of over 400 people join us and kick off the holiday season. If you did get your picture taken, look for your photos next week. It isn't too early to plan to attend our 2020 event on Sunday, November 22nd. Come join us!!!

Finally, we hope you have RSVP'd for our 7th Annual VIP Client Appreciation Event next Saturday, December 7th at 8:30AM. If not, please e-mail Patti TODAY at Patti@Welcome2Indy.com with the number of adults and number of children attending. We will be showing the newly released blockbuster Frozen 2. Coincidentally, Frozen was the first movie we showed 7 years ago! We will have food and drinks, photo opps, a caricature artist, and fun trivia before the movie starts. We truly hope you can join us as we thank you for your business and friendship over the years.

The real estate market has definitely slowed down a bit for the holidays, however there is more activity than usual for this time of the year. We are still in a severe housing shortage and will be for the foreseeable future. Interest rates are hovering around 3.75%. Winter is a great time to buy a house as there aren't nearly as many buyers in the market and competition isn't nearly as fierce as it will be again in the spring. Thinking of buying or selling?? Give us a call at 317-573-1880!! We are working through the holidays and would be happy to help!

New market stats haven't been released for November yet, so here are the stats from October 2019 comparing them to October 2018 for the Greater Indy area:

Median sales price UP 6.2% to $190,050
Closed sales DOWN 1.3% to 30,024 units
New listings DOWN 2.2% to 37,333 units
Pending sales FLAT at 31,684 units
Days on market DOWN 8.5% to 43 days
Price per s.f. UP 5.7% to $112/s.f.
% of asking price received DOWN 0.1% to 97.7%
Active inventory DOWN 5.8% to 6,499 units
Absorption rate DOWN 8.7% to 2.1 months

Happy Thanksgiving, once again to you and your family! We hope to see you on December 7th!

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Your friends in real estate,

Steve, Jack, Kylie, Patti, & Thea

P.S. Please don't keep us a secret.

Holiday decorating tips

Decorating for the holidays can be a lot of fun. What’s less fun is getting stuck in a rut with the same old holiday decorations year after year. Sometimes you just want to break away from the same old thing and do something new and exciting. What do you do if you don’t have any decorating ideas, though?

You’re in luck, because there are a number of different holiday décor trends that are popular at the moment. Regardless of your personal style, you should be able to find some way to spruce up your decorations and leave your guests in awe. Best of all, some of these are so versatile that you should be able to work them in regardless of your budget!

Farmhouse Chic

They say that everything old is new again, and this trend really digs back into the olden times. Using a lot of weathered wood effects and touches of nature, this look celebrates the holidays with a simple and rustic accent. Use small cut pine branches, natural cuts of logs, earthen tones and handmade decorations that wouldn’t look out of place in Little House on the Prairie to give your holidays a touch of farmhouse wonder. This is especially effective if your home already uses a lot of wood accents in its design.

Go Big and Go Bold

If rustic décor is a bit boring to you, feel free to take it in the opposite direction. Trees decorated with bold, colorful ornaments, the use of neon colors in decorations and a variety of metallic foil accents can really add some warmth to the holiday season. Combine this with outdoor decorations such as oversized ornaments for the lawn and light show projectors and you’ll have a one-of-a-kind holiday theme.

Upcycled Décor

If you like the homemade look and want some truly unique decorations, consider upcycling things around the house to give them a new purpose. Adding paint, accessories and lighting are great ways to take items that you don’t use anymore and give them a new life as holiday decorations. Since the end result depends on both your tastes and the materials you’re working with, no two upcycled decorations will be the same.

Add Some Shine

Sometimes glitter is in style, and sometimes it’s tacky. At the moment, though, glitter is coming in in a big way. Using glitter as an accent on your other decorations or going all-in and giving decorations a full coat can give your holidays a touch of much-needed shine. Just be careful when you’re working with glitter. Once it’s in the house, it might be there to stay.

Twinkling Accents

Lights are a cornerstone of holiday decorating, but a lot of people are using them as much for accent pieces as they are for big displays. Instead of putting all of the lights outside, try adding LED-lit garland and lighted wreathes as a way to add just a little bit of twinkle to your decorations. Often these decorations will use very small lights in short strings, giving you just the right amount of lighting to serve as a great accent without dominating your décor.

A Touch of Folklore

There are holiday traditions from around the world, including a number that might be important to your own culture. Embrace this, adding little hits of folklore and traditions from your culture into your decorating plans. These don’t have to be large overt displays, either; even just little touches as part of your accents can really help you to bring your decorations to life.

Stuck on a Design?

It isn’t always easy to find the décor style that best matches your home. Fortunately, there are decorating pros on HomeKeepr who can give you that extra help you need. Whether you want help designing a rustic look or want to go over the top, sign up today so you can find the decorator who will make your holiday dreams come true.

Home equity line of credit or loan?

As you make payments against your mortgage, you build equity in your home. This equity can be used to secure future loans, making it easier to refinance your home or cover certain other expenses. Depending on your needs, you might consider taking out a home equity loan or a home equity line of credit (HELOC). The question is, which one is the better option for your current situation?

This is actually kind of a tricky question. Let’s look at what the differences are between these two ways of using equity and the situations that each is best for. That should give you a good idea of exactly how well each option fits your needs so you can choose the home equity solution that’s best for you.

What Is a Home Equity Loan?

As the name implies, a home equity loan is a loan that uses the equity you’ve built in your home as collateral. As with other standard loans, when you’re approved for the loan you receive the entire amount of the loan as a lump sum payment. Typically, the amount of a home equity loan is capped by the amount of equity you have in your home, with the new loan serving as a lien against the home. Home equity loans typically feature fixed interest rates and fixed repayment terms, with the most common terms being 10 or 15 years. As with other loans, you’re required to make monthly payments against the home equity loan until it is repaid in full.

What Is a HELOC?

A home equity line of credit is similar to a home equity loan in some ways, with the biggest similarity being that they are both borrowed against the equity in your home. Unlike a home equity loan, however, a HELOC does not give you a lump sum of money once the loan is approved. Instead, you receive a debit card or checkbook that you can use to access the line of credit. You’re only charged interest on the amount you’ve borrowed against the HELOC, and feature fluctuating interest rates and balloon payments after a certain period of time. There is also an advance period on the loan which is the time period in which you can access money from the line of credit; after this period ends, you can no longer borrow against it.

When to Get a Home Equity Loan

Home equity loans are great if you have a single expense or purchase to make and will need all of the money around the same time. Because they feature fixed interest rates, you know how much your monthly payment will be for the entire life of the loan. When you take out a home equity loan you get your money, pay for your purchase or other expense and then start repaying what you’ve borrowed. It doesn’t get much simpler than that.

When to Get a HELOC

A home equity line of credit is a better option if you have multiple purchases or expenses that you have to pay out over a period of time. Many feature low introductory interest rates, allowing you to save money during the first several months because you’re being charged less on the initial purchases you have to make. Some homeowners also take out HELOC loans if they don’t have specific needs but want to have a safety net to cover possible purchases or emergencies; since they’re only charged interest on the amount that they actually borrow against the loan, that safety net can wait for the entire advance period without raising interest charges if the funds aren’t actually needed.

Getting Some Expert Advice

Sometimes it’s hard to tell exactly what type of equity product is best for your needs. Fortunately, HomeKeepr can help you find lending experts who can help you decide on the best option for your personal situation. Sign up for a free account today to get matched with an equity pro!

Turkey frying tips...

Thanksgiving is on its way, and for most of us, that means turkey. In recent years, fried turkey has grown significantly in popularity; this has led to a lot more people deciding to pick up a large fryer and try their hand at frying their own at home. Unfortunately, this has led to a sharp increase in fryer-related accidents as well. Nothing can ruin a Thanksgiving faster than fryer incidents that result in burns, fires or other serious problems.

To that end, let’s look at a few ways to keep your turkey-frying adventures safe. Whether you’re a first-time fryer or a seasoned turkey-frying pro, here are some things to keep in mind to help keep your holiday safe.

Picking the Right Fryer

There are a few different options available when it comes to turkey fryers. You can opt for a propane fryer that heats with a burner or an electric fryer that you need to plug in. Regardless of the option you choose, make sure that it has temperature controls so that you can keep the oil below its smoke point. One of the big causes of fires at Thanksgiving is that people turn turkey fryers up too high and the oil starts to burn.

Proper Turkey Preparation

While everyone loves the thought of a big juicy turkey as a centerpiece, if you’re frying a turkey, you’re better off going with a smaller bird. Ideally you should opt for a turkey that’s no more than 8 to 10 pounds, or 12 pounds at the upper limit. While fryers can typically handle more than this, bigger birds are more likely to cause oil spills as you put them into the fryer pot. Make sure that frozen turkeys are completely thawed and patted dry and avoid using any water-based marinades to season the bird. Dry brining or other dry rubs are best when prepping your turkey.

Choosing the Right Location

Make sure that your fryer is on a flat, level and solid surface before filling it with oil. Don’t place the fryer on a deck, porch or other area where the surface underneath could shift or shake as people walk by. Don’t place the fryer under trees, near piles of leaves or around other flammable materials. If possible, place the fryer in a place that doesn’t get much foot traffic and where you can easily keep children and pets away.

Watch the Weather

Rain, snow and other inclement weather can cause major problems with turkey fryers, so only fry a turkey outside if the weather will be nice for the entire time that the fryer is hot. If you have a covered carport or garage then this may be a safe place to fry the turkey provided that it can’t be affected by heavy winds or other weather problems.

Be Safe While Frying

Wear eye protection, heat-protectant gloves and long sleeves while around the fryer. Always place the turkey into the oil slowly, don’t just drop it in. If using propane, turn the burner off before placing the turkey in the oil and then turn it back on once the risk of splashes or spills is over. Make sure that somebody is watching the fryer at all times, even if everything seems to be going well.

Have Your Bases Covered

Everyone wants to have a perfect holiday, but it never hurts to plan for the what-ifs and accidents that can take us by surprise. Before frying up the perfect turkey, don’t forget that you can use HomeKeepr to connect with an agent to get you a great deal on your insurance coverage. Sign up for a free account today so you’ll be set once the fryer is going.

Millennials and their home-buying trends

Though there are a number of stereotypes surrounding Millennials, they actually make up a fairly significant part of the economy. More importantly, their economic strength as a group seems to be growing by the day. As of 2019, Millennials make up approximately 37 percent of home buyers… that’s a bigger share than any other generation, including Baby Boomers! So what exactly are these Millennials buying, and what trends are growing along with their increasing representation in the market? Let’s take a closer look and find out.

First-Time Buyers

Approximately 52 percent of Millennials who are buying homes are first-time home buyers. This makes sense for younger Millennials, but even older Millennials who were born in the 80s still see a significant number of first-time buyers. Before buying, a large number of these Millennials were renting homes. By buying homes, they can enjoy the benefits of ownership and build equity for similar amounts (or in some cases, less) than they were paying each month in rent previously.

Family Homes

The majority of home-buying Millennials are buying single-family homes. This is in part because over 50 percent of them are either married or in long-term relationships; in fact, in 2018 there were more married couples among home-buying Millennials than there were in any other generational group that was in the market for a house. A significant number of Millennials also have children under the age of 18 living at home, further increasing the need for a family-friendly home.

Motivation to Buy

The majority of Millennials who have bought homes within the last year did so simply because they wanted to own a home of their own. Some wanted to own a larger home, be closer to friends and family or were moving due to job relocation, but the general desire to own a home was listed as a reason for buying by as many Millennials as ones that gave all other reasons combined. A lot of this came down to the opportunities that were present as well; over 50 percent of Millennials report that it was “just the right time” to buy a home, while the second most common reason (that they didn’t have much choice and had to buy when they did) was only reported by around 10 to 15 percent of Millennials.

Back to the Suburbs

One big trend among Millennial home buyers is that they were buying homes in the suburbs. This wasn’t restricted only to Millennials, either; 51 percent of all homes purchased in 2018 were located in suburban areas or subdivisions. The Millennials fell pretty close to this statistic, with small towns being the second most common location. A vast majority of these homes were previously owned; though there have been a number of new subdivisions built around the country in recent years, only a small percentage of Millennials are buying into them.

Biggest Factors

There are a number of factors that affected the purchasing decisions of Millennials. The presence of public transit or proximity to work was one major factor, with many Millennials trying to minimize commuting costs. Heating and cooling efficiency also played an important role. In general, Millennials were more willing to compromise on price than on a home’s condition, but only around 20 percent were willing to compromise on the distance of their new home from work.

Home Shopping Trends

By far, the majority of Millennials started their home search by looking online to try and find properties for sale. Around 15 percent spent even more time online than that, starting their search by researching the ins and outs of the home buying process before even starting to look at properties. Beyond online sources, Millennials trusted real estate agents and Realtors the most for information about homes for sale. The entire process took about 10 weeks on average before finding the home they wanted to buy, though a real estate agent was involved for the last 7 or so weeks of the search.

In the Market?

Are you a Millennial in the market for a new home? You’re in luck, because HomeKeepr can connect you with a mortgage expert to help you get into the home of your dreams. Sign up for free today to take that first step toward home ownership.

Home buying red flags

Shopping for a home can be exciting. Unfortunately, sometimes we can get too caught up in the excitement and end up ignoring signs that the house we’re looking at might not be the best option. There are a number of red flags that can pop up when looking at homes, and even more when shopping for a mortgage to pay for the home you choose. To help you avoid having a bad home-buying experience, here are a few of the biggest red flags that you should keep an eye out for.

Signs of Foundation Trouble

When looking at a home, be sure to get a look around the outside so you can catch a peek near the foundation. If the home has a basement, ask to see it as well. While a little settling is normal, if you see large cracks, signs of leaks or other indications that there is foundation damage then buying this home is just asking for trouble.

Insect Issues

Having insects or other pests in your home is more than just unsanitary: These uninvited intruders can actually damage your home and lead to costly repairs. If you see insects, mice or other pests (or indications that they’ve been in the house recently), it could indicate a pest control problem that the seller has been unable to get under control. Depending on how bad the problem is, this could be a deal-breaker.

Inconsistently Fresh Paint

Seeing freshly painted walls in a house is pretty common and usually isn’t anything to worry about. When the paint only covers certain patches of the wall, though, that’s a different story. Be sure to ask about any small sections of paint that you see as they may indicate damage that was hastily covered up with a little bit of paint. It’s possible that there’s a good reason for it, but that little patch of paint may also be hiding an unpleasant surprise in the wall.

Smells and Stains

Most sellers go out of their way to make a house appear at its very best before letting potential buyers come in. This is why you should definitely take note of any odd smells or stains that you encounter in the house. Smells could indicate leaks, mildew, mold or other problems hiding somewhere in the house. Stains can also indicate leaks and other problems, especially if they appear on the ceiling or near the tops of the walls. Large stains on the ceiling can even signify a leaky roof!

Outlet Issues

When looking through a house, be sure to spare electrical outlets a glance. If they have visible cracks, discolorations or black smudges on them then you may have electrical problems in your future! While you’re thinking about the electricity, you should also ask to see the breaker box to make sure that it’s well organized and that all of the breakers appear to be in working order.

Standing Water

If it’s been raining, you may see a little bit of water standing in the yard when you go to visit a house. This isn’t necessarily an issue, but stop to think about how long it’s been since it rained and just how much rain you’ve gotten. If there seems to be a lot of water for the amount of rain or if it’s been a while since the last rainfall, that standing water could indicate drainage issues or even problems with a water line or septic tank.

Loan Issues

Even if there’s nothing wrong with the house you want to buy, you may encounter red flags during the loan process. Higher than usual interest rates, requirements for additional insurance or flood insurance, added costs and other quirks could mean that you need to find a new lender… or they could mean that there are issues with the property that you missed. Shop around for a better loan if you think you can find a better deal, though keep an eye out for issues that keep popping up at multiple lenders.

The Best Way to Avoid Red Flags

If you’re seeing red flags everywhere you look and aren’t sure where to turn, we can help. HomeKeepr can match you with the perfect home-buying specialist to guide you through finding a great home AND a great loan. Sign up for free to make your match today!

Home Programs Veterans Should Know About

Veterans sacrifice a lot for this country. To help honor these sacrifices, special programs were put in place to aid vets in getting and keeping a home. Unfortunately, not all veterans know that these programs exist. Even for those who do, they may not realize exactly what options are available for them and may apply for a program that doesn’t really match their situation ideally.

To help sort out some of the confusion, here are a few of the most common home programs that vets might be interested in. As requirements and availability can change over time, be sure to find out more before attempting to apply for any specific program.

VA Home Loans

One of the most commonly used home programs for vets are VA home loans. These loans are subsidized by the Veterans Administration itself, similar to HUD home loans or rural loans subsidized by the Department of Agriculture. Thanks to the VA subsidy, vets can qualify for better-than-average interest rates and may be able to reduce or eliminate down payments or closing costs as well. Houses must meet the livability requirements of the VA to be purchased with a VA home loan.

VA Foreclosure Programs

Another useful home program for vets is the VA foreclosure program. This features homes that have been foreclosed upon that meet livability requirements, allowing vets to buy the homes at a discount from their market value. This lower price can make VA loans even more affordable since there is less to repay from the start.

Loan Forbearance

One problem that vets sometimes face is getting behind on mortgage payments and running the risk of losing their home. The VA offers loan forbearance programs that can help with this. While this doesn’t serve as loan forgiveness, the forbearance does temporarily stop repayments to give veterans more time to catch up. There are no penalties accrued during the forbearance period – and pending foreclosures won’t move forward while the loan is in forbearance. Once the forbearance period ends, the vet can begin making payments again at their normal rate.

Loan Modifications

VA-backed loan modifications are another option for vets that are struggling with their mortgage payment. These modifications can make changes to the interest rate, interest type or even the repayment period of the loan to reduce the amount of the monthly payment. There are a few different types of loan modifications available for vets ranging from basic loan refinancing to specialized repayment plans designed to keep vets in their homes when times are tough. The specific terms of the modification will depend on the specific program or plan that the veteran uses to modify their loan.

In-Home Care Programs

For veterans who were injured in service or who experience other chronic health issues, the VA offers programs to aid in getting in-home care. These programs pay out directly to the care provider and may also cover the cost of specialized care equipment or home modifications that are necessary to help the vets get through their day. These programs may be a good option for injured vets who need minor remodeling for medical reasons but who are unable to get it done on a fixed income.

VA Disability Status

It is important to point out that some VA programs require a veteran to have disability status before they can qualify. Disability through the VA can take a while to certify, so vets who have ongoing mobility or health issues should apply early before applying for other programs. Some programs may have options available while a disability decision is still pending, but there are at least a few VA programs that can’t do anything for you unless you’re already certified as disabled by the VA.

Finding the Right Program

If you’re struggling to navigate the complexities of some of these programs, there are mortgage and loan experts out there who can help you. They have experience dealing with VA programs and may be able to advise you on which programs are best for your situation. Sign up for a free HomeKeepr account and get connected with an expert today!

How to reduce your Private Mortgage Insurance

Mortgage insurance can be a pain, though in many cases it’s a necessary evil. Without mortgage insurance you may not be able to qualify for certain loan programs, including loans serviced through the FHA. Depending on the circumstances of your loan and the insurance you buy, this can be a considerable expense. Fortunately, there are ways to reduce this expense; in some cases, you may even be able to get rid of mortgage insurance altogether!

Be sure to keep in mind that like many things loan-related, there are a lot of factors that go into determining your mortgage insurance costs. While these tips may help you to lower that payment, their effectiveness will vary from person to person.

Build Your Credit

As with loan interest rates, mortgage insurance costs can be affected by your credit score. Mortgage insurance is designed to provide additional safety for the lender that extends the loan. As such, the better your credit score is, the less risk there is that you’ll default on the loan. If you can improve your credit, you’ll have a much stronger case for negotiating a lower mortgage insurance payment.

Pay Down Your Loan

Mortgage insurance is typically required when your down payment is under 20 percent of the value of your home. As such, you can usually renegotiate it or have it removed entirely as you build equity. If you can afford it, make additional payments against your loan to pay it down and build equity faster; this will get you in a position to renegotiate your mortgage insurance sooner than you would otherwise be able to.

Refinance Your Mortgage

Provided that you can get a good deal on your new loan, refinancing is a great way to reduce the cost of mortgage insurance. Because you’re taking out a new loan to pay off the previous one, any mortgage insurance that’s required will be based on the new loan amount in comparison to your home’s value. If you refinance with a loan that’s for 80 percent or less than the total value of your home, then you likely won’t have to take out mortgage insurance for the new loan at all. Likewise, if you can refinance with some government-backed loans such as those offered through the Department of Veteran Affairs or the Department of Agriculture, then you should be able to skip the mortgage insurance as well.

Increase Your Home’s Value

Another option for reducing or eliminating your mortgage insurance payment is increasing the value of your home. In some cases, this is simply a matter of having the property appraised again; there are a number of external factors that can affect property value, and if your property sees a value increase then you can use this to renegotiate your mortgage insurance rate. If that isn’t an option, consider home improvements or similar actions that will increase the value of your property so that you can get out from under that insurance umbrella.

Talk to Your Lender

If you aren’t sure what to do, talk to your lender and see which options are best in your situation. They may look at your mortgage payment history and other factors to help you find a way to reduce that insurance cost. They can also help you calculate your equity and see exactly how much more you’ll need to significantly reduce (or completely eliminate) your mortgage insurance obligations. If you’ve already built over 20 percent equity then you may be able to simply ask for the insurance to be cancelled in your first contact with the lender.

Ask the Experts

Since mortgage insurance costs can vary from person to person, it’s always a good idea to find a professional to advise you about your specific loan situation. Fortunately, HomeKeepr can connect you with mortgage experts who can help you evaluate your personal situation and find the best way to reduce or eliminate your mortgage insurance costs. Sign up for a free account today to get started!

Holiday home tips...

The holiday season is one of the most-traveled periods of the entire year. People drive and fly across the country or around the world to visit friends and loved ones. It’s wonderful to have those you care about coming to visit, but it can also be very stressful if your home is in disarray. Even though you tell yourselves that people won’t really care about what your home looks like, there’s always that fear that they’ll judge you if your house isn’t ready for guests.

You don’t have to worry, though. There are a number of ways that you can make your home more festive in preparation for holiday visitors. Here are just a few suggestions to help get you started.

Rearrange the Furniture

Even something as simple as rearranging some of the furniture can have a big impact on the look of your home when company arrives. Changing the positioning of couches, chairs and other large pieces can open rooms up and make them seem more inviting to your visitors. Best of all, you can easily focus the changes around a Christmas tree or other holiday centerpieces to really tie things together and create a unified holiday look. Once your guests leave, you can either move the furniture back to its usual spots or leave it where it is to keep the new look going throughout the year.

Clean Up the Outdoors

Another place that you can make a big impact is cleaning up around the outdoors. Rake and mulch leaves, clean up flower beds, trim back trees and bushes… do whatever needs to be done to get everything looking great before the temperatures drop too low. If possible, you may even want to clean the bricks or siding and clean out your gutters. While you’re up there, you may as well install some hangers for holiday light strings, too!

Update Your Accents

One seemingly small change that can make a big impression is to change the accent colors on your home by painting the doors and shutters. This option isn’t right for everyone since it’s a permanent change, but for those wanting to update the look of their home it can make a big difference. While the color you choose is dependent on the color of your home and your personal preference, going with red or green can add a splash of holiday flair that will still look great the rest of the year through.

Spruce Up the Floors

If your carpets are stained, worn or otherwise need a refresh, don’t just install a similar carpet in their place: Consider going for woodgrain vinyl slats or laminate wood flooring instead. These flooring options add the beauty of a natural wood floor without the frustration, standing up to stains and other issues while requiring significantly less work to maintain. Best of all, a change to a wood look near the holidays can enhance the charm of your home when your visitors finally arrive.

Change Your Decorating Style

Consider ditching the tired old holiday decorations that you put up every year and go with a bit of a different look this time around. If you usually go cartoony, consider something classier like white lights and pine accents. If your decorations are usually sparse, do something a bit more over the top this year. It doesn’t matter how you refresh your decorations, just give your visitors something to see that they haven’t seen before. While this is especially effective if combined with other updates to your home, you can still wow your guests just by subverting their expectations of your holiday décor.

Bring in the Pros

If you can’t come up with a solution you like, consider bringing in a decorator to help you find the holiday updates that work best for your house. HomeKeepr can help you find the perfect decorator to wow your guests when they arrive. Sign up for your free account today!

November 2019 Steve & Jack's Home News

Happy November!! It is hard to believe Thanksgiving is only 27-days away and that last night was Halloween. Being one of the parents who was out with my daughter Trick-or-Treating, I can attest that it was miserable. I think we only had 8 groups of kids come to our door and while walking around, we saw very few people out. It was a shame that the kiddos weren't able to enjoy the evening more as they look forward to it so much (at least mine does!).

Our BIG news is that our teammate Patti got married last Friday!!! Patti and Ron tied the knot in Brown County under a backdrop of beautiful Fall colors. It was a lovely ceremony followed by a delicious dinner under a tent. The entire team was able to attend and celebrate with Ron & Patti. Thea made all of the cakes and cupcakes and they were amazing! Congratulations, Patti!!!

Thea is doing such a great job and clients love working with her. She has learned so much in such a short amount of time and we are excited to see her continue to grow and excel.

Kylie has been doing an amazing job, as usual as we continue to add systems to our business to continually improve the level of service we provide to our clients. If you have had the pleasure of working with her, you know what I mean.

Jack and Mary Anne were able to go on Fall Break with Michelle and her family to The Smokies where they hiked, relaxed, swam and had a great time together. They are staying home for the foreseeable future and are looking forward to that!

Steve and his family enjoyed Fall Break in Boston for a few days seeing their new niece, Elsie. She is the daughter of Brigid's brother Jim. Ana & Tali loved spending time holding her and loving on her. We then went to Stowe, VT to see the Fall foliage, stop by Bragg Sugarhouse for some amazing Vermont Maple Syrup, Vermont Cold Hollow Cider Mill for some amazing cider and apple cinnamon donuts, Cabot Creamery for their delicious cheese, and Ben & Jerry's for their factory tour and ice cream sampling-YUMMY!

As for the market, it is pretty robust for this time of the year. We have quite a few buyers and new sellers we are helping right now. From July 1-September 15, the market really cooled down all over the city, so seeing a hotter-than-usual Fall market is welcome by agents, lenders, title companies, buyers, and sellers. Since Thanksgiving is so late this year, it gives us an extra week of Fall market. Inventory is still down considerably, but it bumped up from 1.7 months in August to 2.1 months in September. Activity, in general is down a bit as well, so we are seeing the usual seasonal slow down this time of year always brings. With interest rates still so low along with housing inventory (there were 10,000 listings on the market in September 2016 and there are only 6,300 in September 2019) and lots of buyers still in the market, this is a great time to have your house on the market. Well-priced houses in good condition and location with an acceptable floor plan are selling. Call us TODAY to talk about your specific situation if you or someone you know is thinking of buying, selling, or building a new home. Our job is to GUIDE, LEAD, & PROTECT.

Here are the September 2019 vs. September 2018 numbers courtesy of MIBOR:

Median Sales Price-$189,900-UP 5.5%
Closed Sales-3,048 units-UP 1.8%
New Listings-3,569 units-UP 0.5%
Pending Sales-3,243-UP 18.7%
Days on Market-40-No change
Price per s.f.-$113-UP 5.6%
% of Ask Received-97.5%-DOWN 0.1%
Active Inventory-6,341 units-DOWN 7.4%
Absorption Rate-2.1 months-DOWN 8.7%
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~Thank you to everyone who attended our Happy Hour last week!!! We had a great time and saw quite a few new faces this month. Welcome!!! We hope to see you again. Our next Happy Hour (and final one of 2019 as we do not host one in December) will be on Thursday, November 21st from 5-6:30PM at Matt The Miller's. Appetizers and drinks are on us! Stop by to say hello!

~Pictures with Santa is BACK! Stop by our office at 11550 N. Meridian Street in the main level conference room from 11AM-2PM on Sunday, November 24th for FREE photos with Santa and some fun arts and crafts for the kiddos. All are welcome! Please RSVP by November 22nd to Patti@Welcome2Indy.com.

~You should have received a Save The Date postcard a few weeks ago and your official invite this week for our 7th Annual Client Appreciation Event. It is on Saturday, December 7th from 8:30AM-11AM at Hamilton Town Center movie theater. We will be showing the newly-released Frozen 2 as well as FREE caricatures (get there early as there was a long line last year), photo opps, and food. So many of our clients have made this a holiday tradition and we are always so happy to see you and your beautiful families!! Please RSVP at VIPMovieEvent2019.eventbrite.com by Friday, November 29.

LOTS of fun events coming up in the next 30 days. Please consider joining us as we celebrate you.

Click here to read our November Newsletter

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Click here to read about our Senior Real Estate Advantage Program

Your Friends in Real Estate,

Steve, Jack, Kylie, Thea, & Patti