Barbara Rush, Marion Ross... and meIn the long, long ago life— before marriage, before children, before the star-studded Hollywood-excess of a movie and well before COVID— I had the privilege of performing in the National Tour of Steel Magnolias.  We played elegant theatres coast-to-coast, explored beautiful American cities in our month-long stays, garnered solid reviews, even an invitation from First Lady Barbara Bush to a private luncheon at the White House. The year held many amazing experiences, not the least of which was sharing the stage with five extraordinary actresses.

Audiences had not seen this intimate, comedic gem. They experienced it right alongside us, came to know and love each of the characters, making this story of love and friendship a hit. I loved coming out for curtain call after the gut-wrenching last scene to hear the applause amplify slightly, not for me in particular, I think they were just glad I was alive.

Now life, if we let it, has a way of circling back in the sweetest ways. This go ‘round, it’s bringing me home to Chinquapin Parish, to Truvy’s beauty salon, and back to the theatre where I’ll be playing my all-time favorite grump, Ouiser Boudreaux. Not only do I get to play alongside another stellar group of women, I have the honor of working with the fabulous Tara Falk at the helm!

Opens October 1st, 2021 and runs Friday-Sunday through October 24th. Season passes available now, single and group tickets for Steel Magnolias go on sale August 16, 2021 at Cherry Creek Theatre.  

2Q16 Showing Traffic - TShaffer [4151395]-page-001 (1)

Wonder why your home didn’t sell in a weekend? Here’s a bit of info on the summer real estate market. If you take a look at the graph you’ll see that showing traffic in 2Q 2016 is down quite a bit from the First Quarter of the year. This is no surprise, it’s been the seasonal trend for the last four years. Coming off of a super-heated real estate market this spring, the usual summer “slowdown” feels more dramatic than a political convention. If you’re “lingering” on the market for a whopping two weeks remember that listings don’t always sell in a weekend and not all of them get twenty offers, especially those priced over $350,000. Summer in Denver is not only the real estate selling season, it’s vacation time too! With so much to do in our lovely state, we get up, get out and go more often and our stressed out home buyers need a break. Showings tend to pick up again after the Fourth of July for those looking to make a move and settle in before school starts in late August. That’s the conventional wisdom coming from an unconventional gal.
What I have seen year-after-year is a strong autumn season for real estate sales when the summer buyers have either completed or delayed their purchase and those who want to serve Thanksgiving in a new home come out to play. Same goes for the end of the year when myth tells us it’s a bad time to list a house for sale. My experience has been that winter buyers are fewer, yes, but they are more serious and with our continued lack of inventory many will see the cooler months as a less competitive time to purchase a home. Look for more soon in my next Real Estate Market Update.

rsz_futura_photo_title_and_anne_only_[44058093]When Boulder theater artist, Amanda Berg Wilson returned to Denver from a decade long explore of Chicago what she found here was a lot of great theater. What she craved, was great theater with a Chi-town influence. “There was so much being done in Chicago while I was there, so much of it was unlike anything I’d seen before; exciting voices from playwrights telling multi-disciplinary, non-realistic stories that were offbeat and very theatrical.” That was then. Now in its fifth season, Co-Founder/Artistic Director, Amanda Berg Wilson and the cadre of artists who constitute The Catamounts, continue to surprise and engage like no one else in Denver theater. Drawn to the non-linear tale, this “Theater for an Adventurous Palate” has built a repertoire of edgy experiences for a loyal Denver/Boulder audience that is welcoming of the group’s esoteric, contemporary focus. And they FEED you.
I sat down with some Catamounts and began a chat about the upcoming production of Jordan Harrison’s play, Futura, with a slight detour diving deep into the differences between experimental theatre and performance art and the evolution of the avant-garde movement. “The concept of pushing the boundaries of theatrical convention isn’t new, of course, it just keeps changing” says Amanda. “Where we fit into this as a company is that rather than looking for stories that alienate, we’re looking for stories with a point of entry, for narratives that refine and defy convention while engaging our audience.” So far, so good.
Futura is the season’s second full-length offering; a dystopian allegory written by Jordan Harrison, directed by company member Meridith Grundei. A 2015 Pulitzer Prize Finalist for his play Marjorie Prime, Harrison takes us to the not so distant future where the printed word is illegal. Harrison’s obsession with fonts led him to an exploration of the art of pen-to-paper and the extinction of the printed word in a digitized age where online libraries, e-readers and the rapidly shrinking newspaper industry are the polar ice caps of a font-fetishist’s nightmare. Melancholy for a pre-e world and the collateral damage of the Information Age is a now a font of inspiration for millennial writers. Playwright Annie Baker mourned the loss of film to digital in The Flick, and though Harrison is currently on the writing team for the Netflix series Orange is the New Black, his theatrical forays continue to pay off.
I ask Ms. Grundei, to tell me about Futura and a world where the printed word cannot be written or even read. “It takes place in 2021, so not that far off, when the written word is virtually dead. On her first day back on the job after her husband’s gone missing, a University professor launches into a passionate rant about history, relevance and importance typography and the detrimental effects of the techno world on the human brain. Then she gets kidnapped.”
We continue into the topics explored on the play’s dark side: the ominous Big Brother, capricious Wikipedia and manipulation of information controlled by a select few. “It’s interesting because rather than being a manipulative polemic, we ask at what cost? Futura is a brilliantly written and thought-provoking play about the physical loss of the written page, our privacy in this growing technological world, and the beauty and sadness around the loss of something so simple as an ink smudge.” Says the eloquent Ms. Grundei. “A life without texture” say I. The Catamounts Executive Producer, McPherson Horle, adds, “The largess of Jordan Harrison’s ideas about government intrusion and the power of the written word would be gift enough, but the humor, grace and humanity that pervade this piece are truly remarkable. This is a hopeful story about the importance of human connection, and the art that flows as a result.”
Now tell me about the FEED. Berg Wilson picks up, “FEED is a multi-course, seated dinner where each course pairs a dish, a drink, and a performance piece. All courses revolve around a central theme, and live music weaves the whole evening together.” Go on… “We choose a theme, FEED: Fire, FEED: Illuminate” says Horle. “Then we create a palate of handcrafted food and a specialty drink inspired by that theme. We encourage people to experience the chef’s pairings and the performance- dance, music, literature- each element enhances and compliments the other. It’s truly magical.” I ask MacPherson Horle how that came to be. “Well, first off, we’re foodies. Foodies with an MFA.”
Sounds good to me!

Futura opens April 2 at the Nomad Theater in Boulder and runs through the 16th. Click here for tickets, schedule and special performance events.

Denver is a crazy-hot real estate market right now with low inventory and multiple offer situations, especially in desirable neighborhoods like Park Hill. Whether you are buying, selling or both, you’ll need to be very prepared and your first step is finding the right Realtor®. Listen to what the Bernuths have to say about their experience.

Jim and Mary Bernuth wanted to downsize from their beautiful Congress Park bungalow to something smaller but with the same charm.We looked at many homes but the heat turned up when their Congress Park beauty went under contract. Like most current sellers, they were nervous about finding the right replacement home and timing both transactions to make a seamless move. We found “The One” and quickly put in an offer… which was rejected. The sale of their home was complicated on the buyers’ side, adding to the stress. Thank you, Jim and Mary, for sharing how it turned out for you and why you recommend TracysDenverHomes for your real estate needs. Click here for more information on the current Denver market.

Paris“Life beats down and crushes the soul and art reminds you that you have one.” – Stella Adler

I spent the first ten days of November in the dark, enveloped in the swirl of the Denver Film Festival, embraced by the magic of movies. My head and heart were filled with the stories of the twenty or so films I’d seen: love stories, tales of triumph and redemption, documentaries and comedies to shine their light on our human foolishness. And there were lots of war stories: old wars, new wars and wars yet to come, each carrying the weight of “why” on their backs like a wounded soldier. By closing weekend the darkness had changed. Paris had been attacked and the world was in mourning once more. Grateful for the darkened theatre, the light as it hit the silver screen, and the gift of being swept from reality for a brief span of time.

Life has always been brutal; it’s that now we have Twitter. Throughout history when tragedy strikes, by the hands of man or the slap of Mother Nature, we have managed to plod on. We survive, sometimes little more.  Healing is a matter of time and the feeling of putting the pieces back together. The leaden feeling lifts and we go on… but how do we make sense of the senseless? Our leaders offer condolences, pledges of support and election year rhetoric. Our pulpits offer duality and confusion as we struggle with loving our enemy. Where do we turn for guidance?

Look to your artists.

Mankind is complex, humanity, elusive; we search for certainty when “the center cannot hold”. We blame, strive to right the world, to get back to normal knowing nothing is certain and there is no normal.  Art has no normal. It has no answers. You can rearrange the pieces as you put them back together, creating something new the world has never seen.   Artists give us what the 24 hour news channels don’t even dream of; context.  After the films were over I was left with nothing but an empty feeling, inundated with the 24 hour news I’d been watching for 48 hours. I switched the channel and there it was, a movie of war and triumph and the power each one of us has on the life of another. The film was Life is Beautiful, and it was.

 

“There’s a moment during every single festival that I love the most, it’s that moment after the speeches on opening night and the anticipation of that first flicker of the image, where it’s a frame no longer and the first story we’ve chosen finally begins.” Britta Erickson, Festival Director Denver Film Society

 

 

new-year-2015As the clock ticks toward year’s end, it’s time to review the 2015 real estate market.
When someone asks me how the real estate market is, the cocktail party answer is that it’s been a very pleasing 12 months and future looks bright and shiny. Because the economic news is good our Denver Metro real estate market is projected to stay strong but not overheat. I’ll share some of the metrics I use to evaluate the market and understand it better, describing what 2015 looked like and where I think we’re headed.
Market strength–2015 was an extremely strong seller’s market. The market strength peaked in the spring when the bottom dropped out of our inventory and multiple offers were all the rage. Frustrating for buyers who felt they had to give away so much to stay competitive, the good news is that the market reacted appropriately and became more balanced as the year progressed. With prices on the rise, sellers were motivated to sell as we approached the fall so the market cooled with the start of school and the weather. It is still a strong seller’s market, but far more in balance. I expect 2016 to continue along this line and see no sign of a major imbalance that could lead to any sort of ugly peak and crash. Sellers should get a good price for their homes and replacement properties should not be as hard to find.
Buyers– Real estate website Trulia says that buying an average home in Denver is a whopping 38 percent cheaper than renting a home! For the average home, the interest rate would have to skyrocket to 11 percent for renting to become cheaper than buying, meaning that it is currently MUCH more affordable to buy than to rent. Even with current prices and current rents, interest rates would have to nearly triple to make renting more affordable than owning. (Call me if you want to talk about this.)
Sellers-Can’t say this enough: the most important thing to prepare your home for sale is to get rid of clutter. This includes furniture. You may have learned to live with that cherished armchair stuffed into the corner but a professional stager will often times whisk away half of your furniture. The house looks so much bigger for it, leaving space for a buyer couple and their agent to tour the home without bumping into each other, and space for their imaginations to make it their own. You don’t have to go “Stager drastic” but take a hard look, be objective, and see what you can live without. Painting always pays for itself and statistics show that springing for a staging company is often a good investment.
Rental Vacancies– The rental market is stronger than it has ever been in metro Denver. The vacancy rate for 1- to 4-unit properties is an extremely low 2 percent. That’s a drop from the already 4.7% we’d been experiencing for the past few years. On top of this, rents are rising faster than ever, up 30% in the past three years. With rents equaling a mortgage payment, we’re seeing more renters making the decision to buy. Why live waiting for another rent increase, tough competition and another application process without building any equity? Many homeowners who lost their homes in the downturn and have been renting, are becoming eligible to purchase once again. This is great news for the market and will certainly lead to more sales in 2016, though the influx of buyers insures a continuing seller’s market.
Interest rates– No one knows exactly what interest rates will do in the future but my best guess is that they may rise a little in 2016, but only a little. Remember that the Federal Reserve has control over only short-term, not long-term interest rates. Even if the Fed raises rates, that doesn’t directly affect the 30-year home buyer interest rate you are concerned with. Long-term interest rates are affected by the bond market (as bond prices decrease, interest rates increase) which, frankly, is not predictable. Understand though that interest rates are at near 50-year lows so they are highly unlikely to fall any further. All we know for sure is that someday they will go up.
The Economy– No matter what you may hear in the months leading up to the election (places hands over ears), right now the metro Denver economy is very strong. This is fueling our terrific real estate market and the rising population of our city. The unemployment rate is extremely low, about 3.5 percent. Inflation will stay in the range of 1-2 percent, our population is rising at a rate of 50,000 people/year and consumer confidence continues to rise. Nothing can be better for the housing market than a strong and steady economy.
Mortgage -The single most important number for a home buyer is their FICO score. For good or bad, your FICO plays a major role in your ability to finance your home purchase. Your credit score is a snapshot taken by the three leading credit bureaus, TransUnion, Equifax and Experian, to help lenders determine what sort of credit risk you are. Your FICO is a number between 300 and 850 and is calculated by a complex algorithm assessing your past credit history. Most home lenders will consider a score over 700 to be excellent while scores below 600 are considered poor. The better the score the more credit will be extended, at better terms, with a lower interest rate. The best credit terms are extended to consumers with scores above 740. Therefore, it’s critical to understand what your FICO is and what you can do to improve your score. When I work with buyers I help them understand the factors affecting their score so they can work to improve them. I can’t think of a better investment in your future than to spend a little time working on your FICO score.
Here are a few tips I give my clients:
1.Don’t max out your cards, try to keep them under 50% of available credit. Running high balances can severely impact your FICO.
2.Continue paying your bills on time.
3.Don’t apply for new credit or cancel an old card because length of credit helps.
4.Pay down high balances.
5.Dispute and resolve any inaccurate items in your credit report.
6.Invest in a credit monitoring company to track the changes to your score.

Market Snapshot september I’m frequently asked where the real estate market is headed and when we will get back to some kind of equilibrium. The truth is it’s extremely difficult to accurately predict the future but here’s what I know: Right now we are experiencing one of the strongest seller’s markets in our history and we’re a full six and a half years into this market recovery. The reason is simple: we have much more demand for homes (buyers) than we have supply of homes (sellers). What’s fascinating to watch is the dynamic build on itself. It looks something like this:
1.Buyers make offers on homes and continue to lose out to higher offers.
2.Buyers get increasingly frustrated and begin to get more aggressive with their offers.
3.The momentum builds on itself until we see what is occurring today, with multiple offers on a propertythe norm rather than the exception.
4.The multiple offer dynamic almost always bids prices higher than the original asking price.
5.The buyers that lose the bid learn from the experience and become more aggressive on their next offer.
6.Then back to Step 1, until the buyer bids high enough on a property to finally get an offer accepted.
The result of course is the tremendously strong seller’s market we have experienced for the past several years. And this seller’s market is not going to change any time soon, at least not until we get back to some kind of balance in the market between buyers and sellers. I don’t see that happening for at least several more years. In the meantime, if you’ve thought about selling your home, now might be a great time to find out what the market is like in your neighborhood and see what your home is worth. It’s almost certainly worth more than it was just a few years ago. Drop me a line and I’ll put together a professional Competitive Market Analysis on your home so you have the data to make the right decision.
Another question my potential sellers often ask is if they sell today, can they find a replacement home in time to move? In a market like ours this is a very good question. Fortunately, there are a number of things savvy sellers can do to take advantage of the seller’s market and put themselves in a good position when looking for their replacement home.
Here are a few:
1.First and foremost, work with an experienced agent to write a strong, professional offer on the home you want to buy. In a dramatically competitive market like we have now, weak, poorly written, unprofessional, and bad offers just aren’t taken seriously. There is both an art and a science to writing a strong offer. Call me and I’ll explain more about how to write an offer that has a great chance of getting accepted.
2.Add a contingency clause to your contract to buy another home. The clause would say that you will close on the home you are purchasing once your own home sells. The problem with this is that it somewhat weakens your offer as many sellers don’t want to accept a contingency when they can sell quickly to the next buyer. But occasionally we do run across a seller that is in no hurry and is happy to wait for the buyer’s home to sell.
3.Lease the home you just sold from the buyer for a period of time while you are looking for your new home (this is called a lease back). Some buyers do not want or are not able to move into their new home immediately and this permits them to earn rent from you for the period of time you are shopping for your next purchase, a win-win situation. 4.Look into a new construction purchase. Builders are building as fast as they can in this market to keep up with demand and there may be inventory of completed or soon-to-be-completed homes that could suit you. 5.Arrange to stay with family or move into short-term rental housing until you find your next home. While not a perfect solution I believe it’s far better to inconvenience yourself for a short period of time than to settle for anything less than your dream home!
september graphic
“Denver apartment rents rising three times the national average”

This was the Denver Business Journal’s Sept. 2 headline. Denver rents have increased another 7 percent in the past year, which is three times the national average of 2.3 percent. And given the continued lack of rental inventory, rents are expected to continue increasing at a strong pace. Sooooooo…. 1.If you’re a renter it might be time to consider looking into buying a home to get out of the rental market madness! 2.If you’ve ever thought about buying a rental as a long-term investment now might be the time to learn how to purchase a safe, cashflowing property. Interest rates are still near record lows and rents havenever been higher, a wonderful combination for any real estate investor.

Mortgage rates continue to hover at near-record lows. For homeowners looking to upgrade to a larger, better home, low rates combined with low home inventory are making this a great time to upgrade to a larger home with very nearly the same monthly payment. We have several recent examples of clients selling their current homes and getting into a $40,000 – $50,000 more expensive home with the exact same monthly payment. Please give me a call or send me and e-mail and I’ll do a free analysis to see if this might be a good scenario for you to take advantage of.

Dana davis 023 Recently I had the chance to sit down with Dana Davis for a talk about the carousel of life and the upcoming Carousel Ball. The youngest daughter of Barbara and Marvin Davis, the family was living in Denver during the 70’s, when Dana was diagnosed with Type I diabetes. This prompted her powerhouse mother, Barbara Davis, to create the Children’s Diabetes Foundation. In the nearly forty years since its inception, The Children’s Diabetes Foundation has raised over 100,000,000 and has provided support for an amazing amount of research into the cause and treatment of diabetes and provided opportunity for excellent care to the children and adults living with Type I.

For decades Barbara Davis and her signature black-tie event, The Carousel Ball, raised the bar on fundraising events, leveraging her vast network of celebrities, politicians and Denver’s crème of the philanthropic set. So when former kindergarten teacher/shoe designer, Dana Davis stepped in to chair this year’s event, she had some big shoes to fill. Barbara Davis

The daughter of a man who owned 20th Century Fox, the Beverly Hills Hotel, the Pebble Beach Corp. and Aspen Skiing Co., Ms. Davis is no stranger to the world’s movers and shakers or the Hollywood celebrity. No stranger to Type I diabetes, she has lived with the disease for forty years and has served on the Children’s Diabetes Foundation’s board of directors for more than a decade; Dana Davis is not stepping into unknown territory. Still, I asked if she was nervous about chairing the legendary event.

“I am excited. It was a logical progression for me to be where I am now, but I didn’t want to come marching in and make anyone, including my mother, feel uncomfortable. My mother created a wonderful event with a history of great success, but fundraising has changed so much. My vision is to build on that success and bring it forward, not just into the present but into the future. We have so many ways of communicating now, with social media and through the Internet; it’s possible to keep getting the word out throughout the year, beyond an annual party. The center and the foundation are her babies, and I would never want to step on her toes.

“When The Children’s Diabetes Foundation started the goal was to raise awareness about the disease, dollars to fund research for a cure and to make life easier for diabetics. Working together with the Barbara Davis Center has enabled so many groundbreaking achievements in the fight against diabetes and ensured that no one who needs treatment is turned away. The Children’s Diabetes Foundation, as I see it, has an opportunity not only to educate about Type I diabetes, but to share the hope these advancements bring and tell the stories of diabetics who are living amazing lives. When I became involved, really involved (for the past six months she’s been serving as CDF’s Interim Executive Director), I had no idea how many inspiring people I would meet, strong, vital people who have changed the face of diabetes.”

Dana shared with me about the event itself. “There will be some of the familiar elements of the Carousel Ball as we know it, with a graceful evolution. We will be much more interactive with more focus on the people who benefit from the great work the Foundation does, the lives we impact. We’ll share the gains and the hope on the horizon. And of course, we’ve got Usher performing and Grammy-winning record producer, David Foster, will be the music director and emcee.”
This year’s 29th Annual Carousel Ball honors Broncos own NFL Hall of Fame quarterback, John Elway and his wife Paige. The event is sold out, so a lucky 1,000 guests will be gala-ing it up at the Hyatt Regency Convention Center on October 2nd. If you’d like to take a chance at some last minute tickets, contact Amanda Garrett, 303-863-1200 or amanda@Children’sDiabetesFoundation.org

Photos courtesy of Silver Spur Marketing.

july newsletter 15
From Page 4
4. The Investor Real Estate Market: Denver is still a great place to invest in real estate. The fix and flip market is strong for those who can find underpriced homes to buy and repair. They’re out there but it takes tools, patience, and work to find them. Once you get one fixed up, selling is the easy part because of the lack of competing inventory. The buy and hold market will continue to be extremely profitable for long-term investors. Interest rates and vacancy rates are still near record lows and rents continue to rise – a record 10.8 percent per year the past three years. It’s not difficult to buy a rental property in today’s environment and put it on the path to be paid off in 12-15 years. Just think how your life would change if you owned a couple of rental properties free and clear! For building long-term wealth it’s tough to compete with rental property ownership. That’s the one thing that will never change. CLICK ON MAP TO ENLARGE
july 15 map

Need more info? Boy you are a real estate geek! (and I love it) CLICK LINK for the metrics from Matrix. 15-0705 DSF Data CITY – Copy

If you would like a personal real estate consultation, have any questions about the market, your home’s value or need more specific information about your neighborhood please give me a call.
Until next month… use your sunscreen!

What’s new in the Denver Real Estate Market?
The question I’m asked all the time by friends, colleagues and clients who are still renting is whether it’s too late to buy a home. “Are we heading for a big downturn?” and “Are we too deep in the market cycle to buy?” they wonder. For those of you who read my newsletter and know me well the following will sound familiar but it bears repeating: timing the real estate market perfectly is extremely difficult (maybe even impossible) and those who try usually fail. So don’t try to time the market. Instead, look at factors like the ones below to see if homeownership is right for you.

1. You should buy a home when you feel it’s the right time in your life to do so. Don’t try to time the market, instead time your life. Are you getting married? Sick of paying skyrocketing rents? Looking for a bigger place for you and your family? Want your own backyard for the kids to play in? Want to be part of a neighborhood community? Plan on staying in one place for a number of years? Want to build long-term wealth? These are the types of questions you should ask yourself when considering whether you want to own a home. To the extent you say yes, home ownership might be the answer for you.

One important stat to keep in mind is that the average rental household in the U.S. has a total net worth of only $5,500. In contrast, the average homeowner has a net worth of $195,500 — that’s 36 times those who rent! Over the past 15 years, this multiple has ranged from as low as 31 times to as high as 46 times the net worth of renters. You don’t want to try to time the market, but over the long term home ownership is the tried and true path to wealth accumulation and financial security. (So is owning rental property, by the way. Call me if you’d like to learn more about that as well.)

2. Interest rates remain at record lows but this can’t last forever. No one knows when they’re going to rise (remember, you can’t time the market!), but rise they will at some point in the future. Though home prices have gone up the past several years, low interest rates continue to make homes relatively affordable (especially compared to renting). Once interest rates do rise the window of home ownership affordability will truly begin to close for a lot of potential buyers and they will be sorry they didn’t act when interest rates were at 50-year lows.

To illustrate the numbers, assume you are purchasing a $210,000 home with a 5 percent down payment. The Principle + Interest payment at 4 percent interest would be $952 per month. Just a 1 percent interest rate increase to 5 percent would result in a payment of $1,070 per month for a total increase of $128/month and $1,416/year. Now assume that rates tick up to 6 percent. That increase would result in a 21 percent increase in payments from $952 to $1,196. Where you really see the effect of these increases is when you hold the property for the full 30 years. On a $200,000, 30-year fixed-rate mortgage that increases from 4-5 percent, the borrower who obtains the 5 percent loan would pay an additional $42,772 in extra interest as opposed to the borrower who paid just 4 percent interest. That’s 21.4 percent of the total loan amount! This is why a lot of folks who don’t purchase a home while interest rates are near record lows are going to regret it down the road.

3. The main reason the average home owner has so much more personal wealth than the average condo owner is that over time, homes appreciate in value. Over the past 44 years, homes in metro Denver appreciated 6 percent per year, about 1 percent above the inflation rate. If you buy a $200,000 home, you can expect over the long term its value to rise about 6 percent every year. This means you’d make $12,000 in appreciation the first year, an additional $12,720 the second year, another $13,483 in the third year, and on and on. It’s that simple. So if you want to build wealth, your best bet may be to take advantage of these numbers and buy a home for the long term. I can help you do this. Call me and let me show you how.