Industry Partner Spotlight

May 27, 2022/in Reality of Real Estate /by Shauna Morris

Several players are involved in buying or selling a home. As your REALTOR®, we will guide you through every step of the process, but we rely on our industry partners to help us get the job done. We’d like to recognize Mortgage Lenders in our Industry Partner Spotlight.

What Does a Mortgage Lender Do?

Lenders assist buyers with the application procedures to qualify for a home loan. The lender will pre-qualify the buyer for the money they are financially qualified to borrow. In today’s market, buyers need to be prepared to show their pre-qualification letter when they make an offer to purchase.

How Do I Find a Mortgage Lender?

There are several ways to find a mortgage lender, but finding the right one matters most. Buyers can go online, go through a mortgage broker, or ask their local bank or credit union for a home loan. Most REALTORS® work with preferred lenders and can provide a list for you.

Is a Mortgage Lender a Bank?

It can be a bank, but it doesn’t have to be. Credit unions, non-bank lenders, and online companies have the ability to offer mortgage loans. There are many options to compare and consider. Finding the best option that fits your financial needs is the goal.

How Many Lenders Should I Contact?

A good rule of thumb is to apply with at least three. The rule of three allows you to get a solid idea of the bigger picture and find the best option for your financial situation.

What Questions Should I Ask?

What type of loan do you qualify for? There are several types of loans. The loan you are eligible for will determine your down payment, the loan terms, financial qualifications, and more.
What is the APR?
Will rate locks be available? If so, what are the fees?
Ask about mortgage insurance.
Ask for a detailed estimate of your total expenses and additional fees over the life of the loan.

Is it Better to Go Through a Broker?

A Broker is not a lender. They collect your financial information, then shop and compare lenders on your behalf. Brokers make the selection process easier and smoother for homebuyers. They typically have a higher chance of finding the best options since they are familiar with the industry.

We’d like to recognize and thank the professionals that we work with:

Chris Finley | Bay Equity
C: 775-846-3663 | E: [email protected]
Julie Millare | Summit Funding
C: (775) 815-8480 | E: [email protected]
Brian Urbani | Movement Mortgage
C: 775-813-2136 | E: [email protected]
Patrick Winchell | New American Funding
C: 775-230-5023 | E: [email protected]

If you have questions about the Reno-Sparks real estate market, financing, buying, or listing a home, contact the David Morris Group. We’re happy to be your guide. Give us a call at (775) 828-3292.

Most Unexpected Housing Costs

May 26, 2022/in Reality of Real Estate /by Shauna Morris

It is no secret that the current market is a Seller’s Market. Bidding wars have become the norm, and homebuyers have stretched their budgets to the limit. In a recent survey conducted by Consumer Affairs, homebuyers reported spending an average of $10,334 over what they initially budgeted. Going over budget has left new homeowners unprepared for the most unexpected housing costs.

Property Taxes

This year, property taxes were the most unexpected housing costs for new home buyers. The spike in housing prices has increased property value, which has caused an increase in property taxes.

Utilities

With 26% of those surveyed saying they hadn’t budgeted enough for their utilities, this bill came second as the most unexpected housing cost for new homeowners.

Maintenance & Repairs

The recent market has not been favorable of contingencies in offers to purchase, allowing sellers to decline repair requests. New buyers have been left to fend for themselves to repair items that due diligence would have handled in a less competitive market.

HOA Fees

While HOA fees were an expense on the survey, they weren’t necessarily unexpected. Still, 7% of homeowners surveyed said they are among the most expensive costs of owning a home.

Landscaping

First-time home-buyers who have rented since leaving their childhood homes were reported to be caught off guard by the expense of landscaping and yard maintenance.

While costs are rising for homeownership, Americans still want to buy. Those surveyed said that owning a home made them feel proud, independent, and satisfied despite the financial strain.

If you need help creating a financial plan to buy a home this year, we are happy to help! Contact the David Morris Group. Or give us a call at (775) 828-3292.

The Murals of Reno

May 14, 2022/in Lifestyle /by Shauna Morris

Reno’s Downtown and Midtown Districts are home to more than 100 larger-than-life murals painted by local, national, and international artists. These murals add color and vibrance to Reno’s urban landscapes as they tell their stories. The art ranges from topics as serious as racism or as whimsical as flowers, either commissioned by a local business or simply the product of an artist’s inspiration. Some portray historical figures, old friends, departed companions, legends, or lost loves. New designs appear on brick, plaster, wood, and concrete surfaces, and sometimes murals that once were visible get surrounded by new buildings or become hidden. The transient nature of these murals matches that of Midtown, as it is always fluid and changing.

Just south of downtown Reno, the Midtown District is a less than five square-mile section of town that has undergone a remarkable transformation over the past decade. Rather than demolishing the old brick buildings and forgetting about this unused section in the city, an ambitious collection of artists and small business owners took over and created a neighborhood with an artisan approach. They turned the district into a unique cultural experience with top-tier shopping, dining, and a vibrant array of spectacular murals that other metro areas simply don’t have.

It wasn’t until Geralda Miller and Eric Brooks that the Midtown murals became so well known. According to Eric, the murals of Midtown are considered to be the most extensive collection of public art per capita in the entire country. As Miller explains it, “Murals are a way for every man to see art. It’s that grassroots arts movement for those who may not want to go to a museum or an art gallery.”

Geralda and Eric founded Art Spot Reno to develop a way to showcase the city’s murals, and Eric began giving mural tours to friends for fun. Soon, folks started coming in from all directions to catch a glimpse of the art, so Geralda and Eric created the Midtown Mural Tour. The tour is now offered twice a month, and Eric continues to proudly guide visits through Midtown with his encyclopedic knowledge of the works and the artists. The mural tours have been organized into two distinct paths – the Midtown Mural Tour and the Downtown Reno Mural and Public Art Tour.

Midtown Murals

While many of Midtown’s murals are visible from main streets, several are tucked in alleyways and hidden in unlikely spots. Tours are taken at a leisurely pace over roughly two hours, and knowledgeable guides provide stories and insight that make the art even more enjoyable. Every month, the Midtown Mural Tour alternates between a north route and a south route, as there are too many pieces in just this neighborhood to be seen in a single afternoon.

Downtown Reno Mural and Public Art Tour

Like Midtown, the city center contains many murals from highly respected local, national and international artists. The murals are also done in various styles, including graffiti lettering, illustration, landscapes, and realism portraits. During Artown, an annual arts-themed festival, Circus Circus Reno holds a Mural Marathon Competition where qualifying artists paint an original 14-foot-high by 20-foot-wide mural on the side of the Hotel & Casino in just 24 hours.

The murals throughout Reno truly celebrate creativity, and they evoke emotions within every person who views them. This open-air art is a visual language of the city, and to catch a glimpse of it – all you have to do is take a walk!

To stay up to date on what’s happening around Reno, follow our blog, and if you have questions about the Reno real estate market, contact the David Morris Group or give us a call at (775) 828-3292.

We’re happy to be your guide to The Biggest Little City in the World!

Best Restaurants in Reno

April 29, 2022/in Lifestyle /by Shauna Morris

From perfect steaks to fresh seafood to gourmet soups, Reno has a delicious dining scene. With Mother’s Day on the horizon, here are a few of the best restaurants in Reno so you can treat the Family CEO to a lovely brunch or dinner!

Atlantis Steakhouse

Experience the attention to detail and art of unsurpassed service at this award-winning fine dining steakhouse. Set in a glitzy, casino-based setting, Atlantis Steakhouse is considered one of the best dinner spots in Reno.

Atlantis Sky Terrace Sushi & Oyster Bar

This sushi bar offers a selection of over 50 types of nigiri and maki sushi. The scenic Sky Terrace offers a unique dining experience under the sea!

Bimini Steakhouse

This tropical-inspired steakhouse is located in the Peppermill resort and has quite the dining room! With savory, wood-grilled meats, fresh, delicate fish, enticing small plates, and magnificent desserts to choose from, Bimini Steakhouse will not disappoint!

Beaujolais Bistro

This charming French cafe celebrates authentic French cuisine and French-style cocktails and is one of the most popular restaurants in the Arts District of downtown Reno.

Fourk Kitchen

Experience the best lunch in Reno at Fourk Kitchen. This formal four-course dining experience with a casual vibe serves a “prix-fixe” menu that changes with the seasons.

Great Full Gardens Cafe and Eatery

The Great Full Gardens Cafe & Eatery in MidTown Reno is a casual restaurant that serves items from local farms and its own greenhouse. While their menu caters to vegan, gluten-free, and Paleo diets, there are plenty of delicious options for the whole family!

The Grill At Quail Corners

The Grill at Quail Corners offers an upscale-casual vibe with a stunning view. This restaurant offers a bright atmosphere and courtyard seating to enjoy the surrounding landscape and mountains.

La Strada

Located at the Eldorado Resort Casino, La Strada was voted one of America’s top ten Italian restaurants.

Laughing Planet Cafe

Laughing Planet Cafe brings healthful, organic, and sustainable food to the Midtown Reno area. With a philosophy that one doesn’t have to sacrifice taste to eat healthily, this charming cafe is one of the coolest local restaurants.

Peg’s Glorified Ham n Eggs

This family-owned and operated diner serves up comforting American breakfast and lunch. The charming restaurant offers some of the best egg dishes and sandwiches in Reno.

Squeeze In

The fun and eclectic vibe at Squeeze In is matched by its extensive menu and giant omelets prepared in various ways. They specialize in breakfast and lunch and offer the best bloody marys and mimosas!

Toucan Charlie’s Buffet & Grille

Toucan Charlie’s Buffet offers a champagne brunch and a buffet like no other! With eight live-action stations, including Sauté & Grille, Charcuterie, Far East fare, Pho, Seafood, Southwest, Specialty Salads, and Carving stations, you’d better bring your appetite!

Von Bismarck

With two patios and an outside grill, this modern family-style restaurant takes authenticity and tradition seriously with its German and Eastern European cuisine.

If you’d like to stay up to date on what’s happening around Reno, follow our blog, and if you have questions about the Reno real estate market, contact the David Morris Group. We’re happy to be your helpful guide. Give us a call at (775) 828-3292.

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Fixed-Rate or Adjustable-Rate Mortgage

April 26, 2022/in Reality of Real Estate /by Shauna Morris

When shopping for a home loan, the first step is determining which loan type best suits your needs: a fixed-rate or adjustable-rate mortgage.

Fixed-Rate Mortgage

A fixed-rate mortgage remains unchanged throughout the life of the loan by charging a set interest rate. The payments will be the same each month which makes budgeting easier. A buyer can choose either a 15-year term or a 30-year term. The term is the time it will take to pay off the loan. A shorter-term mortgage will have a lower interest rate at a higher monthly payment. The payment is higher because the borrower must repay the principal amount of the loan in less time. The main advantage of a fixed-rate loan is that the borrower is protected if interest rates rise over the life of the loan. The downside is that when interest rates are high, the payments are less affordable, making it more challenging to qualify for a loan. Another downside is that borrowers are locked into their interest rate if interest rates drop. The homeowner will have to refinance their existing loan to take advantage of lower interest rates, which can be a cumbersome process.

Adjustable-Rate Mortgage (ARM)

An adjustable-rate mortgage will change over the life of the loan based on market interest rates. Initial interest on an adjustable-rate mortgage (ARM) is set below the market rate for a fixed time. The fixed period could be anywhere from one month to seven years. Once the fixed period ends, the loan will reset to a new interest rate based on current market rates. When the loan resets, the homeowner’s monthly payments could increase or decrease, and they will be locked in until the next reset.

Low initial payments could enable the borrower to qualify for a larger loan. If market rates drop, the borrower will have lower monthly payments due to lower interest. However, if market rates go up, so does the monthly payment. An adjustable-rate mortgage may be a good choice if you know you’re going to move within a short period and won’t live in the home long enough for the term to change.

Adjustable-rate mortgages are not as straightforward as fixed-rate mortgages. Before jumping in, ask the following questions:

How soon will the payment change?
How frequently will the interest rate adjust?
Is there a cap on how high the interest rate could go?
Is there a limit on how low the interest rate could go?
What direction are interest rates heading today, and will that trend continue?

When choosing a mortgage, you need to consider the economic realities of an ever-changing market. If interest rates are high and expected to fall, an adjustable mortgage will take advantage of the drop. However, if interest rates are low, run the numbers to determine the worst-case scenario. If a predictable monthly payment is important to you, a fixed-rate mortgage may be the way to go. If you are not sure which mortgage is right for you, your mortgage broker will be able to help.

If you would like some more information about buying a home, or if you’re looking for a great REALTOR® to show you around the Reno-Sparks area, contact the David Morris Group. We’re happy to be your helpful guide. Give us a call at (775) 828-3292.

Questions to Ask Your Mortgage Broker

April 21, 2022/in Reality of Real Estate /by Shauna Morris

Mortgage brokers and mortgage lenders often get confused as the same entity; they are not. The mortgage lender is the financial institution that approves the amount of financing and lends funds with the expectation of repayment. It is wise to shop around before committing to a lender, which is where the mortgage broker comes in.

The mortgage broker is an advocate who acts as an intermediary between the borrower and various lenders. They shop around on the borrower’s behalf to minimize the hassle of going back and forth from one lender to another. The mortgage broker’s function is to educate you, advocate for you, and find the best loan option.

There are four questions your mortgage broker should answer explicitly:

Who pays the broker fee?
What is the best interest rate?
What are the down payment options?
What are the closing costs?

Who pays the broker fee?

It’s important to ask upfront who pays your mortgage broker’s fees. Many mortgage lenders will pay the broker fees, but that can create a conflict of interest. The broker might charge you directly for their fee. Ask exactly how much the broker’s commission is and who is responsible for payment.

What is the best interest rate?

Ask your broker about the best interest rate for your situation. Your rate will depend on your debt-to-income ratio, loan repayment history, factors surrounding the property you’re seeking, and credit factors. The mortgage balance, loan term, and interest rates for which you qualify will determine your monthly payment. Ask questions until you are absolutely positive you understand your exact APR, do not accept a guesstimate.

What are the down payment options?

The down payment is the cash you will need to pay upfront to purchase a property. While lenders prefer a 20 percent down payment, different loan types and programs are available to help lower the cost. Your broker should be willing and able to explain every option and scenario.

What are the closing costs?

There are multiple fees involved in the home-buying process. Each lender may charge different amounts, which will affect how much money you need to bring to closing. Ask your mortgage broker about fees for things like inspection reports, credit reports, origination fees, the appraisal, home inspection, and titling. The broker should compare fee structures between lenders to help you find the one that best meets your needs.

A mortgage loan is usually the most significant purchase in one’s life, and it’s essential to have an advocate that you can trust. The mortgage broker you choose should be your guide to navigate through the various lending scenarios and find you the best possible option. They should be knowledgeable, patient, and willing to work diligently on your behalf.

If you would like more information about buying a home, or if you’re looking for a great REALTOR® to show you around the Reno-Sparks area, contact the David Morris Group. We’re happy to be your helpful guide. Give us a call at (775) 828-3292.

Why Does A Bunny Have Eggs?

April 4, 2022/in Lifestyle /by Shauna Morris

Have you ever wondered how eggs became part of our Easter tradition? Not only that but why the heck does a magic bunny hide those eggs?? What came first, the bunny or the egg?

The Bunny

The exact origins of the mythical hare are unclear. A straightforward explanation could be that rabbits, known to be prolific procreators, are an ancient symbol of fertility and new life. New life is strongly associated with Christianity and Easter, as is new life associated with spring. Therefore a bunny makes symbolic sense. But when did the magic one hop into the picture? And why does it hide eggs?

Some say the root of the egg-laying cottontail came from German origin and was introduced to American folklore by German settlers in the 1700s. The tale of an egg-laying rabbit called “Osterhase” (Ostern-Easter Hase-Hare). German legend has it that an impoverished mother didn’t have the means to buy her children a hearty meal to mark the end of Lent. Instead, she decorated eggs for her children on Easter morning and hid them in the garden for them to find. As the children collected the hidden eggs, they saw a giant rabbit hopping away. The children thought the hare had left the eggs. Hence, Osterhase! As the legend became more well-known, German children began making nests for Osterhase. They would put carrots in the nest in exchange for colorful eggs. The story and custom spread across the U.S. over time, and the nests eventually became decorated baskets. Chocolates and gifts in baskets are American traditions that have turned Easter into the 3rd highest retail spending holiday behind Christmas and Mother’s Day.

The Eggs

Eggs have long been associated with Easter as a symbol of fertility, new life, and rebirth, much like the rabbit. One could see how Christianity would associate eggs with Easter, a holiday that celebrates the resurrection. Ancient Greeks and Egyptians also connected eggs with fertility and power. Some early civilizations gifted eggs to the dead as a symbol of revitalization and protection from evil. And some even say Easter eggs are linked to pagan traditions celebrating spring.

Eggs were prohibited in medieval Catholicism during the religious Lenten fast, along with other foods. So while no one could eat eggs during Lent, no one told the chickens, and they continued to lay them. Folks would hard-boil their chicken eggs and store them to eat later. Because Lent ends in the lead-up to Easter, folks would decorate and paint their hard-boiled eggs to mark the end of the period of penance and fasting. This theory connects with the story of the mother in Germany, a predominantly Catholic country at the time, and it explains why she had beautiful eggs to hide in her garden!

Whatever your traditions may be, and whichever theory hops out at you the most, we can all agree that Easter and spring are a time of renewal, new life, and rebirth. We hope you have a wonderful Easter with family and friends! If you have questions about the Reno real estate market, we are happy to help! Contact the David Morris Group, or give us a call at (775) 828-3292.

Things To Do Outside in the Reno Area

March 28, 2022/in Reno Events and Activities /by Shauna Morris

The spring equinox was on Sunday, March 20th, which marked the first day of spring! Now that the weather will be getting more agreeable, it’s time to get outside! Here is a list of fun, free outdoor activities to enjoy with friends and family.

HUNTER CREEK TRAIL

The Hunter Creek Trail is situated within 20 minutes of Downtown and Midtown Reno, and locals refer to it as the best urban area hiking trail in Reno. This trail is one of the most popular hikes due to its gorgeous mountain views and a spectacular 30-foot waterfall! A waterfall in the high desert is a rare find, but this one runs all year and makes a picture-perfect end to a hike in the Sierra foothills. The 6.4-mile trail is mainly used for day hiking and trail running from April through October. It’s dog-on-a-leash friendly and an easy-to-moderate hike.

IDLEWILD PARK

Idlewild Park features a skate park, free sports fields, rentable picnic shelters and a barbecue area. This 49-acre park is located on the Truckee River just west of downtown. The park has access to the river and there’s a water play feature for children. There are free parks for children with fun equipment for them to enjoy. The park also offers a beautiful rose garden, public sculptures and the seasonal Idlewild swimming pool. There is plenty of parking in many areas of the park. Idlewild is home to Reno Earth Day, held April 24th this year, and the Food Truck Friday food truck festival on Friday evenings will kick off in June

RIVERWALK AND ARTS DISTRICT

The Reno Arts District is a safe, fun and friendly area that celebrates Reno’s art, culture and history. Here you will find a medley of great restaurants, bars, shopping areas, bistros and cafes, and a walkway along the Truckee River. The central point of this area is Wingfield Park, located on an island in the middle of the river. The Riverwalk offers a Reno Wine Walk every third Saturday of the month, and this district is close to the National Automobile Museum and the Nevada Museum of Art.

MIDTOWN DISTRICT

The Midtown District of Reno is just south of Downtown and offers a variety of restaurants, bars, cafes and shops. Midtown has hundreds of public artworks and murals. You can spend a whole day just walking around this eclectic and funky part of town! You can hear and participate in musical jams, get your foodie fill at one of the wonderful restaurants, do some antique shopping or pick up some Burning Man gear at one of the unique boutiques! Midtown has regular special events like the annual Art Walk, monthly mural tours, and First Thursdays.

There is no shortage of things to do in Reno and it’s time to get out and about and enjoy! To stay up to date on what’s happening around Reno, follow our blog, and if you have questions about the Reno real estate market, contact the David Morris Group. We’re happy to be your helpful guide. Give us a call at (775) 828-3292.

It’s Almost Time to List Your Home!

March 16, 2022/in Reno-Sparks Real Estate /by Shauna Morris

The perfect moment to list is just a few weeks away! If you’re thinking about putting your home on the market, there’s a special week quickly approaching that you won’t want to miss! How do we know when that is? Realtor.com® told us in their fourth annual Best Time to Sell Report. According to their data, the best week of 2022 to list your home is April 10-16. Sellers who list during this week will benefit from a Spring buying season trifecta of strong demand, high asking prices, and quick home sales.

According to Realtor.com® Chief Economist Danielle Hale, “Homeowners who are thinking about selling this Spring still have time to get ready, with the majority of recently surveyed sellers indicating that listing preparations took 2-12 weeks.” However, now is the time to start checking your checklist and doing your to-dos!

How Good Is It?

Realtor.com® number crunchers predict, “Sellers who list from April 10-16 could secure asking prices that are 10.9% higher than at the start of the year and 1.4% above the average annual listing price, based on 2021 trends.” Realtor.com® also predicts that the low inventory and high demand for new homes could drive asking prices up more than 10% relative to initial asking prices in January of this year, that’s around $39,000 more!

So far in 2022, we’ve seen a record-breaking January, followed by a crazy-fast February. Sellers who list their homes during “Listapalooza” can expect more offers and bidding wars, resulting in higher asking prices and a faster sale than if you list later this year.

How Do They Know?

It’s in the numbers! In 2021, April 10-16 was a record week for an already hot market. On average, homes listed in this particular six-day period received 29% more views on Realtor.com® than the average week and sold six days faster than the average for the year. During this same week, homes sold 27 days faster last year than they did in 2019 BC (Before COVID).

Mortgage rates have been rising and will continue to do so. That adds fuel to the fire for buyers hoping to find the right home and lock relatively affordable mortgage payments before it’s too late.

New inventory is on the horizon. Builders have been accelerating production in an effort to progress against the supply gap. As the bottleneck of supplies begins to open and the price of materials begins to stabilize, new homes will add more inventory. More inventory will moderate the demand and bring listing prices down.

Let the countdown begin! If you’re ready to take advantage of “Listapalooza,” contact the David Morris Group | (775) 828-3292, and we’ll help you get ready for market!

Tips for First-Time Home Buyers

March 10, 2022/in Reality of Real Estate, Reno-Sparks Real Estate /by Shauna Morris

According to the National Association of REALTORS®, first-time homebuyers made up 34% of all buyers in 2021, with an average age of 33 years old. This data shows that millennials are still the most prominent home buyer demographic, with 82% of younger millennials and 48% of older millennials being first-time buyers last year. If you’re a first-time homebuyer, here are some things you can do to make your dream of homeownership come true.

Pay Down Your Debt

Buying a house is the most expensive purchase you’ll make, so you need to be as debt-free as possible before considering a home loan. The three most significant types of debt most new home buyers have are student loans, car loans, and credit cards. Paying down debt can be done. A good rule of thumb is to start paying off the smallest debts first. Student loans can be daunting, so start with what you can do. Consolidate high-interest credit cards into one monthly payment with a lower interest rate – then cancel the cards! Sell the car with a high payment for something with a lesser monthly burden. Getting out of debt isn’t easy, but you can do it!. Just take one step at a time, and when one thing is paid, move on to the next. Most importantly, don’t incur any new debts while paying down the existing ones.

Check Your Credit

Credit scores play a huge role in your ability to secure a mortgage loan. The minimum credit score most lenders have for a conventional loan is 620. It is possible to get a loan with a lower score, but the higher your score, the less interest you will pay. You can check your credit with your credit card company, online, or with a major credit bureau such as Equifax or Experian.

Know What You Can Afford

You need to sit down and decide how much you can afford to spend on a down payment, monthly mortgage payments, and household expenses. Be careful not to spread yourself so thin that you are unable to put a little bit of money in savings each month.

Get Pre-Approved

There is nothing worse than falling in love with a home only to realize you can’t afford it. Unless you plan to pay in cash, you need to get pre-approved for a loan. An initial consultation with a lender will help you determine your price range.

Hire a REALTOR®

Having a local professional guide you through the home buying process is more important than ever in this market. If you are serious about buying, you need a professional to help you find the perfect home within your budget. A REALTOR® will walk you through the information, talk you through the details, and help you make the right decisions. REALTORS® have access to the Multiple Listing Service (MLS), the largest centralized database of residential real estate listings in your area. While the internet offers some options to search for a home, the MLS is the only instant exposure to the market and is only available to Realtors®.

Once you have completed all of the prep steps, your REALTOR® will guide you through the rest of the process until you get to the closing table.

If you would like some more information about buying your first home, or if you’re looking for a great REALTOR® to show you around the Reno-Sparks area, contact the David Morris Group. We’re happy to be your helpful guide. Give us a call at (775) 828-3292.

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