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The History of Father's Day-David Morris Group-Reno Real Estate-Reno Homes-Sparks Real Estate-Sparks Homes

History of Father’s Day

The History of Father's Day-David Morris Group-Reno Real Estate-Sparks Real Estate-Homes in Reno-Homes in Sparks

Father’s Day is this weekend.  It’s the official day to honor wonderful dads and father figures and celebrate the men who put in the work to make us feel protected and safe.  Have you ever been curious about the origins of this holiday?  Or do you need some new trivia to ‘wow’ your dad when you see him?  Here are a few fun facts about the history of Father’s Day.

First Recognition

The first event to celebrate fathers was on July 5, 1908, in Fairmont, West Virginia. A year before this celebration, a horrifying mining explosion occurred in a nearby town, known as the Monongah Mining Disaster.  It killed 362 miners, 250 of which were fathers.  A woman by the name of Grace Clayton encouraged her pastor to hold a service to honor the children who lost their fathers.  She chose that specific date because her father had passed away years prior, and July 5th was close to his birthday.  

While this was technically the first recognition of the paternal bond of fatherhood, it didn’t directly encourage the creation of Father’s Day. The town only promoted the memorial service in Fairmont, WV, which was overshadowed by July 4th celebrations.

Official Celebration

The idea of having a day to celebrate fathers was picked up again two years later by a woman from Spokane, Washington named Sonora Dodd.  Sonora and her five brothers and sisters were raised by their father after their mother passed away, and she felt that fathers deserved equal recognition as mothers.  She worked with her local church and YMCA to plan a day specifically to celebrate the men of the house.  As a result, an official “Father’s Day” was held at the Spokane YMCA on June 19, 1910.  Soon after, several cities and towns across the country followed suit. 

Presidential Recognition

In 1966 President Lyndon Johnson issued a presidential proclamation that fathers would be honored each year on the third Sunday in June.  President Richard Nixon signed the proclamation into law six years later and Father’s Day became recognized as a national holiday.

Commercialization

Today, as with Mother’s Day, Valentine’s Day, Siblings Day, Yoga Day, and any other celebratory reason you can think of, retailers begin their promotions for profit months in advance.  The greeting card companies are pretty fond of the holiday as well.  

Global Celebrations

Great Britain was the first area abroad to begin the annual celebration of Dad.  It’s thought that they adopted the tradition right after WWII in 1945.

 

France was next to join in the celebration of le pére in 1949.  However, the idea of profit from the holiday spurred Father’s Day more so than the idea of celebrating dear old Dad.  As a matter of fact, a lighter manufacturer called Flaminaire brought the tradition to France with the slogan: “Nos papas nous l’ont dit, pour la fête des pères, ils désirent tous un Flaminaire” translated to say “Our fathers told us, for father’s day, they all want a Flaminaire.”  It wasn’t adopted as an official decree across the country until three years after the Flaminaire promotion.

 

Other countries recognizing Father’s Day on the third Sunday in June include Mexico, Ireland, France, Greece, China, and Japan.

 

Father’s Day is called Vatertag in Germany, or Männertag, which means “men’s day.” The German celebration of der Vater falls on the Thursday 40 days after Easter. It is traditional for groups of men to go into the woods with a wagon of booze and meats in certain regions.  Which is quite a bit different than spending the day being gifted with silly ties and handmade crafts, but to each his own!

 

No matter when it’s celebrated, what the traditions are, or what it’s called, the father figures in our lives deserve recognition for the role they embrace.  We wish all of the Pops out there a very Happy Father’s Day, and we hope you are appreciated for all that you do!


If you have questions about the Reno real estate market, we are happy to help!  Contact the David Morris Group, or call us at (775) 828-3292.

 

 

Industry Partner Spotlight-David Morris Group-Reno Real Estate-Sparks Real Estate

Industry Partner Spotlight

Industry Partner Spotlight-David Morris Group-Reno Real Estate-Sparks Real Estate

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:


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

Most Unexpected Housing Costs-Homeowner Expenses-David Morris Group-Reno-Sparks Real Estate

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. 

 

 

David Morris Group Blog-Reno Real Estate-Sparks Real Estate-buying a home-selling a home-real estate market-real estate professional

Fixed-Rate or Adjustable-Rate Mortgage

Fixed-Rate or Adjustable-Rate Mortgage-David Morris Group-Reno-Sparks Real Estate-Home Buyer Tips

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-David Morris Group-Reno Sparks Real Estate

Questions to Ask Your Mortgage Broker

Questions to Ask Your Mortgage Broker-David Morris Group-Reno Sparks Real Estate

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:  

  1. Who pays the broker fee?
  2. What is the best interest rate?
  3. What are the down payment options?
  4. 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.

 

 

Things to Do Outside in the Reno Area-David Morris Group Realty-Reno Sparks Real Estate-Things to do in Nevada

Things To Do Outside in the Reno Area

Things to Do Outside in the Reno Area-David Morris Group Realty-Reno Sparks Real Estate-Things to do in Nevada

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.

 

 

Its Almost Time to List Your Home-David Morris Group-Reno-Sparks Real Estate

It’s Almost Time to List Your Home!

Its Almost Time to List Your Home-David Morris Group-Reno-Sparks Real Estate

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-David Morris Group-Real Estate-reno homes-sparks homes-incline village homes

Tips for First-Time Home Buyers

Tips for First-Time Home Buyers-David Morris Group-Real Estate-reno homes-sparks homes-incline village homes

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.

 

 

The Benefits of Homebuyers Putting 20% Down - David Morris Group - RE_MAX

The Benefits of Homebuyers Putting 20% Down

The Benefits of Homebuyers Putting 20% Down - David Morris Group - RE_MAX

If 2022 is the year to buy a home, congratulations on starting the homebuying journey! Part of the journey, and a large part of it, is assessing finances. One financial aspect homeowners go back and forth between is how much to pay in the down payment. Here are four reasons why homebuyers benefit when they put down 20% for their new home: 

Benefit #1: Lower Interest Rate

When you put down a higher down payment, you’re proving to your mortgage lender that you are financially stable and are not a risk. Plus, when you combine a large down payment with a good credit score, the piece that proves you can handle debt, the more confident your lender will be in your ability to pay back the loan. When your lender feels secure in your financial abilities to pay off the loan, they’re more likely to give you a better interest rate. 

Benefit #2: Pay Less Money 

The more you put down means a smaller loan amount, which also means a cheaper monthly mortgage payment. When you put down 20% of the cost of the new home, you’re only responsible for the remaining 80%. If you put down less than 20%, such as 3-5%, as most homeowners do, the remaining percentage is added to your loan and will gain interest over time. Plus, most lenders require private mortgage insurance when a homebuyer doesn’t put down 20%. This is a fee to protect the lender, not you. This will cost you more money over the lifetime of your home loan. 

Benefit #3: You Stand Out Against Competition

In a fast-moving real estate market like ours with limited homes on the market, it’s causing buyers to compete against each other. A way to stand out against the competition is a 20% down payment. As we mentioned earlier with the lender, this shows the seller that you are financially stable, which means they’ll have more confidence in you. You are seen as a stronger buyer as your financing is more likely to be approved. And approved financing means closing will happen quicker and easier. 

Benefit #4: Not Paying PMI

Remember that private mortgage insurance (PMI) we mentioned earlier? It’s so important it gets its own bullet point! Private mortgage insurance is tacked onto a monthly mortgage payment by lenders when homebuyers put down less than 20%. This fee protects the lender if you cannot pay for your mortgage. A homeowner will pay this fee until they reach 20% equity of their home, then PMI can be canceled. But with PMI and a high-interest rate, it could be a while until 20% equity is reached, so you pay more money over time. 

 

If you need help creating a financial plan to buy a home this year with a 20% down payment (or not, we can help with that too!), contact the David Morris Group. We’re happy to be your helpful guide. Give us a call at (775) 828-3292. 

The Benefits of Homebuyers Putting 20% Down - David Morris Group - RE_MAX

David Morris Group - Could You Be the Next Copper Knolls Resident - Copper Knolls Real Estate - Homes for Sale in Copper Knolls - Copper Knolls Houses - Somersett

Could You Be the Next Copper Knolls Resident?

David Morris Group - Could You Be the Next Copper Knolls Resident - Copper Knolls Real Estate - Homes for Sale in Copper Knolls - Copper Knolls Houses - Somersett

Located in the Somersett area lies the picturesque neighborhood of Copper Knolls. With beautiful mountains surrounding the community, each home has a dazzling view to offer residents. The gorgeous scenery is but one of the things to love about the charming community of Copper Knolls.

Homes

Single-family homes in the Copper Knolls area average about 2,156 to 2,899 square feet and feature two to four bedrooms. As a community that was built in the early 2000s, it’s a newer development in the Reno area. Homes are located between the Somersett West Park and the Somersett East Park on lots that range from 0.19 to 0.37 acres.

Amenities

Just minutes from the Copper Knolls neighborhood lies the Somersett Golf and Country Club, where residents can enjoy many amenities and a panoramic view. The nearby parks also offer the neighborhood a ton of green space to explore as well as basketball courts, a playground, and picnic areas.

 

For anyone looking to explore the boutiques, coffee shops, restaurants, and nightlife of Downtown Reno, Copper Knolls is just under 10 miles away. That also means that anyone commuting to Downtown Reno for work only has a 15-minute drive.

Schools

Schools serving the students in Copper Knolls include George Westergard Elementary School, B.D. Billinghurst Middle School, and Robert McQueen High School — all a part of the Washoe County School District. The public charter school, Coral Academy of Science, offers an alternative to the Washoe County School District.

 

Copper Knolls is a tight-knit community that Reno residents love to call home. If you have any questions about what we love about the community or which homes in the neighborhood are currently on the market, contact the David Morris Group. We’re happy to help you begin your home search. Give us a call at (775) 828-3292.