Category: Uncategorized (23)

This holiday season, meld your business mind and heart into one: Give Your Way to Greatness.

What do all of the most successful people have in common? They’re givers! Here are some things you can freely do for others to help give your way to greatness.

Energy: Adopt a positive mindset and attitude, and communicate that to others. You’ll inspire them to do the same!

Time: Find what you value, and prioritize your day around that. Be present, and focus on the current conversation instead of thinking into the future.

Smile: Even if your day hasn’t been great, giving a genuine smile to those you meet can bring happiness to others!

Compliments: There’s nothing like an authentic compliment! When you compliment someone, tell them why you like that particular thing and ask a question about it to show your interest.

I’m thankful for you! If there is anything I can do to better  serve your family during the holiday season, give me a call.

House model with agent and customer discussing for contract to buy, get insurance or loan real estate or property.

Is now the right time to sell your home? Thanks to the pandemic, we are facing uncertainty in many facets of life. You may be wondering if now is a good time to sell your home. The answer, right now, is YES!

Understandably, home sales were down earlier in the year. However, in May 2020, home sales shot up 44.3%- the highest month-over-month jump since 2001. Now is the perfect time to sell or buy a home (with record-low interest rates). Perhaps you’re still a little hesitant and that’s completely okay. Let’s navigate through some common misconceptions in real estate during 2020 and take a look at what’s really happening.

  1. MYTH: It is a difficult time to sell a home

“… the general sentiment [among some home owners] is that now is not a good time to sell your home,” said Danielle Hale, chief economist at “Yet, so far, the data suggests the opposite-that buyers outnumber sellers in the housing market, which means it’s better to be a seller than a buyer.” Buyers outnumber sellers which lead to more offers for each listing. And it shows the housing market is hot.

  1. MYTH: Home prices are dropping

Per the National Association of Realtors (NAR), home prices are actually rising. The national median price for single-family homes grew 7.7% during the first quarter of 2020, to $274,600. Why is this happening? Record-low mortgage rates are bringing buyers out of the woodworks. Increasing home prices combined with low mortgage rates are creating a fantastic atmosphere for selling a home.

  1. MYTH: We should wait for a market comeback

According to ShowingTime, which measures showing traffic per residential property for sale by agents and brokers, showings in the United States are up dramatically from earlier in the year. The data shows an outstanding 60.7% increase since July 2019. And homebuyer traffic across the nation continues to grow. The myth that now is a terrible time to buy or sell a home is a misconception across the United States. We can’t be sure how much the market will continue to go up from here, or if and when it might cool off. If you’re looking to sell, now is the time.

For my local clients, I am available to help you buy or sell your home in Northern Nevada, including the Tahoe area. I’m also privileged to be a part of the greatest referral network in the country, so if you are moving into or out of the area I can connect you with someone I know and trust for your real estate needs. Contact me by phone at 775-309-7979 or by email at to take advantage of the expanding real estate market today.

When people ask me why I love what I do, I always smile. Being your real estate agent means I get to help you through some of the most exciting decisions of your life. It gives me immense pleasure when I see you walk into a house and I can see that sure feeling of “I’m Home” spreading across your face.

But it’s more than just making you happy as you’re buying or selling. I care deeply about learning the stories behind each and every one of my clients. Knowing why you are making the choice to buy or to sell, and really getting to know you on a more personal level, allows me not only to guide you through a large financial decision, but allows me to guide you through the emotional aspects of the process as well.

When I truly know the whole story behind a person, like I got to do with Teresa whose testimonial I will share next, I am able to take the reins in a way many agents never get deep enough to do. If all I knew about Teresa was that she was selling the home of a family member, I would not have been able to deliver the level of attention and care that she needed. As she mentioned in this sweet note to me, getting to know her and becoming a part of her life allowed me to serve her with the support she really needed during a trying time.

Teresa was a recent client of mine who needed help prepping and selling her late mother’s home. After a quick and smooth sale, she sent me this note: “I want to thank you for the smoothest and most efficient house sale I have ever had, and I mean that sincerely. Communication was superb, and any questions or concerns were addressed quickly, which was truly appreciated. Your support staff and other personnel you used to help with various issues—from the initial photography to handyman services to last minute housecleaning, and so on, were also great, as were your contacts at the title company. You clearly had a great working relationship with all of these people, and I’m sure that contributed to such a hassle-free transaction.

“Past experiences with buying and selling have been less than smooth, and I honestly felt throughout this process that I was in capable hands and, ‘Ginger would take care of . . .’ anything that came up. Which you did! And it was doubly important to me because I was suffering emotionally from the loss of my mother and having to sell her home. So, my sincere thanks for everything! I will happily recommend you wholeheartedly should I hear of anyone else looking to buy or sell real estate in your area.”

Life is not always a straight path, and the decision to buy or sell doesn’t always come simply. There will be numerous gifts along the way and obstacles to overcome and that can drive your decision, whether it be downsizing, upsizing, losing a family member, or gaining one. I fully believe that navigating these twists and turns in life requires a helpful hand along the way. That’s why treating you with care and diligence is my highest priority. Selling a home is no easy task, which is why I strive to create and maintain relationships with the most qualified people in the area to help me do what I do.

Thank you for such kind words, Teresa. It was a privilege to help you along this complex journey. Going through the loss of any family member is a task one should never face alone. I encourage all of my clients to use me as a resource. I will be there to learn and understand your story throughout the process, so that I can serve you with the exact level of support you need (and then some).


Step one
What Plants Work in Your Region?

Stroll around the neighborhood to get an idea for what plants work in your region.

step two
Pick the Plants That Work for You

Factor in how much work you’re willing to do, since some plants require more maintenance than others.

Roses, jasmine, honeysuckle or fresh herbs can provide a fresh, floral scent in your yard. Fruit trees can be fun to harvest and stay with the property, increasing its value. Try lemon and orange trees in warmer climates and plum, pear or apple trees further north.

Step three
Choose Your Planters

Make them pop, but keep them within the style of your home.

step four
Hang Up a Hummingbird Feeder

to create a colorful, more vibrant garden. These birds spread pollen to help your flowers grow more easily.

Step five
Maintenance Is Key!

Take some time each weekend to water the plants, remove any weeds and keep the yard space beautiful!


Building credit can be difficult to master. Understanding your credit report can be even harder.

What is considered in a credit score, anyway? Well, between FICO and VantageScore, there is no single way to calculate your credit score. These top models are similar but scored slightly differently.

FICO is the most common credit ranking for users.  This model has a range from 300 to 850 and is categorized into five major sections:

  • Payment History (35%): Why does this category determine so much of your credit score? According to Barry Paperno, a credit scoring expert, “FICO’s research has shown that a person’s payment track record tends to be the strongest predictor of the likelihood that the individual will pay all debts as agreed in the future.” In other words, borrowers with a history of paying on time tend to have solid credit scores.
  • Credit Utilization (30%): Experian, a major credit reporting company in the U.S., recommends borrowers keep their total credit utilization rate below 30%. Your credit balance should be far below your total limit. This shows credit scorers you’re underspending and properly managing your credit responsibilities.
  • Length of Credit History (15%): This section is simply the amount of time each of your credit accounts have been open. A longer history of accruing credit is a better indicator of your financial behavior.
  • Credit Mix (10%): Per, Credit Mix is simply a culmination of the different types of credit you have. Meaning, FICO considers different accounts (credit cards, auto loans, student loans) and assesses how you handled them.
  • New credit and recently opened accounts (10%): Simply put, don’t open a lot of new credit accounts over a short period of time. This will negatively impact your FICO score.

The VantageScore 3.0 model varies just a bit from FICO. Developed by the major credit reporting bureaus, this model is used by a lot of free credit report sites. Payment history (41%) and credit utilization (20%) are also categories considered in this model. Yet, there are other factors to consider using this credit ranking.

  • Duration and Type of Credit (20%): Lenders prefer to see long-term and established lines of credit. Having different types of credit (credit cards, auto loans, etc.) is also considered in this section. This category is similar to FICO’s Credit Mix.
  • Recent Behavior (11%): This section is similar to FICO’s new credit section. Scorers consider new credit accounts like personal loans or credit cards.
  • Total Balances (6%): Per CreditKarma, this category refers to the total amount of recently reported balances on your credit accounts.
  • Available credit (2%): Try to only take out credit that you need. This will help boost your overall credit score.

As your personal real estate agent, I’m always here to help. If you have any further questions about how lenders view your credit score, feel free to reach out to me at 775-309-7979.

Many of you know my mentor and friend, Brian Buffini, hung the moon for me. This more true today than it has been throughout my career.


As a REALTOR® and a human, Brian’s no-nonsense, ever-encouraging and down to earth counsel has guided me through the ups and downs of the economy, in my professional development, and he has provided great wisdom and advice, even in just plain life.


Throughout the pandemic, Brian has stepped up his game to help us navigate these uncertain times and uncharted waters by adding bonus episodes of his regular weekly podcast. I’d like to share a few of my favorites with you. These are recent episodes that speak to your peace of mind, your sense of control in uncertainty, and give you comfort in our economy.


Take Control of your Financial Future with Chris Hogan: Chris Hogan, author of “Every Day Millionaires,” is a renowned speaker on building wealth and retirement finances. In this episode, he shares his thoughts on how to manage your finances in this current environment, and how to regain or retain control of your faith,  outlook, attitude, and actions.


The Pursuit of Happiness in Uncertain Times with Shawn Achor: Shawn Achor is the bestselling author of books including “Before Happiness,” The Happiness Advantage,” and his latest, “Big Potential.” You may have heard his Ted Talk, “The Happy Secret to Better Work.” I love this entire episode, but if you could walk away with only one thing, it would be this: “Optimism, social connection, gratitude, perceiving meaning, that’s feeling like our contribution to the world matters. Those are the things that restart forward progress…” – Shawn Achor


This Too Shall Pass – an Interview with Dr. Lawrence Yun: Dr. Yun, is like the Warren Buffet of real estate to me. He’s a top economist who happens to be the Chief Economist and Senior Vice President of Research at the National Association of REALTORS®.  This episode in particular is good news for all of us in uncertain economic times. I encourage you to hear Dr. Yun’s words for yourself. I won’t do them justice, and you’ll feel relieved to learn the difference between where we are financially today, and where we were just 12 years ago during the Great Recession.


Looking to sell, or know someone who is? Call me today! (775) 309-7979.


These are uncertain times, to be sure. Many of us who experienced the Great Recession and the mortgage and housing crisis of 2008 remember that time with anxiety. But this time is different in so many ways.


Here are the reasons we have confidence in our housing market today.


  1. Housing prices, while still rising, are not nearly at the levels we saw prior to the 2008 crash, where we had home values galloping way ahead of the curve, often with double-digit appreciation. Our appreciation levels over the past six years have held relatively steady, around 5% or so. In February, our housing market was on solid ground with home sales comfortably above one year ago, and home prices had risen for more than 90 consecutive months on a year-over-year basis. Home prices, unlike the stock market, do not move in a quick fashion one way or the other.


  1. Mortgage lending. At the peak before the crash, mortgages, especially sub-prime mortgages, were readily available to just about anybody. Today, the Mortgage Credit Availability Index measured monthly by the Mortgage Bankers Association indicates mortgage credit has been carefully tracked over the past several years and has remained low.


  1. Supply and demand. When the market crashed in 2008, we had more homes for sale than people were buying and builders were overbuilding in what’s known as a buyer’s market. Today, we are in a seller’s market – there are more people looking for homes than there are homes for sale, and builders are under-building, creating an inventory shortage.


  1. Home equity has increased. More than a third of homes in the U.S. are owned free and clear, and more than a quarter of homeowners have at least 50% equity today. During the mortgage crisis, people owed more than their homes were worth, making it easy for them to give up and walk away.


  1. Other economic downturns. In the early 1980’s recession, when the unemployment rate climbed to 12%, real estate prices kept rising. During the 1990’s recession, home prices rose. Even following the tragedy of 9/11, we had a short recession, but home prices still increased.


Housing market experts are predicting that the real estate and housing markets could very well pull us out of an economic slowdown caused by COVID-19. One of my favorite experts on the economy, Dr. Lawrence Yun, the Chief Economist and Senior Vice President of Research at the National Association of REALTORS®, sat down to chat with my hero, Brian Buffini, in a podcast recently about the housing market. Take a listen here, and be reassured!


Looking to sell, or know someone who is? Call me today! (775) 309-7979.


What is an expired listing? An expired listing is one that has not sold by the end of the period stipulated in the listing contract between the seller and the listing agent. In Nevada, you can have what is called an “exclusive right to sell” agreement with your brokerage and listing agent. This period of time is set on the multi-listing service (MLS), and once that period is up, you can renew that contract with your listing agent or remove your home from sale.


We never want to see this happen and so we take steps to help avoid that scenario. These are my tips to help you avoid an expired listing:


  1. Overpriced Homes

Many homes that expire do so because the listing was overpriced.

Overvaluing a home sometimes happens when an eager agent is hoping to secure the listing, or when a homeowner who believes their home is worth more than what the market can bear insists on a high listing price.


Many factors go into valuing your property. Local area sales history relative to your home (market data), to your home’s features and upgrades, along with how the market is moving will help determine a good selling price.


An experienced agent is familiar with the local area market, current market trends and can adequately price your home to sell. They can also help you navigate the market, negotiate offers and successfully sell your home at the right price. 


Do not over price your home to make room for negotiation, lean into your agent for appropriate pricing.


  1. Inadequate Marketing

In this day and age, we have a multitude of ways to market properties online. So many times, listings end up on MLS and that is it, nothing more. Your agent’s job is to market your home – not just list it. From MLS, to social media, to sharing information in the community, and providing adequate marketing materials at the property, this all works together in getting the word out that the property is for sale.


My approach:

You will receive an honest and researched valuation of your property before it is listed for sale. You will have the opportunity to review that valuation and go over the details of how I came to that valuation and get answers to all of your questions.


My team of marketing professionals and transaction coordinators work diligently to get the word out about your property to help you sell it quicker.


My network of agents and community members help to get more eyes on your property listing, helping you to gain exposure and ultimately sell faster.


Looking to sell, or know someone who is? Call me today! (775) 309-7979.

Because buying real estate is a substantial investment, a home inspection can help give you peace of mind when buying or selling a house.


Whether you are a buyer or seller, it’s good to know whether there are any substantial defects that would significantly affect the property.


Here in Nevada, home inspections can be waived, however many buyers will request an inspection. Home inspectors will examine the home, and all its components, to provide an inspection report.


If you are a seller, it’s a good idea to get a home inspection before you put the property up for sale. Pre-inspections will streamline the buying process when you receive an offer, and if there are any significant fixes that need made, you can have them done before your house goes on the market or be prepared to offer allowances if needed. While doing a pre-inspection can be helpful, but it’s not required.


Here is a list of things to prepare for a home inspection:

  1. Clear access to areas for the inspector under the house, in the attic, and around the exterior of the house.
  2. Replace bulbs and light switches that do not work.
  3. Replace all filters in the furnace, water systems, etc.
  4. Make sure smoke detectors and CO2 sensors are in working condition.
  5. Check the foundation, in and outside of the house, for cracks.
  6. Check to see that your foundation slopes away from your house and not toward it.
  7. Make sure you don’t have bugs or pests.
  8. Trim trees, bushes, shrubs, and keep your landscapes tidy.

Anything you think might be an issue should be fixed ahead of time. Things found during an inspection that are required to be fixed can end up requiring a re-inspection to ensure they are fixed correctly. Save time and money by preparing ahead of time.


Looking to sell, or know someone who is? Call me today! (775) 309-7979.

Selling your house is a big deal and a big task. I like to make sure my clients are fully aware of the process and the things they need to do for a successful sale. I am here to make your lives easier. Here are my top tips:

  1. Get your house into sale shape
  2. Find the right real estate agent for the job
  3. Listen to your agent and list your house at the right price to sell


Getting your house into sale shape is step one. Start with my posts on Staging your Home, Top 9 Things to Spruce Your House Up, and Top Exterior Home Repairs to Make Before Selling. Included in these posts are checklists of things to start working on to get your house ready to list.


To get top dollar for your house, fix and clean anything that might need attention or repairing. Don’t leave things that are broken, old, or dingy laying around, it may lead to lower-priced offers or offers with allowances to fix these items. And make sure to think about the last big repairs and updates you have done to your house and tend to those (roof, HVAC system, water heater, flooring, and gutters).


Finding an agent who knows the area market well and who knows the ins and outs of the buying and selling process will help you save time. A great agent will be able to guide you through the process, advise you if things go awry, help you make solid decisions along the way and get your house sold quicker.


Buying a house is not something most people do often, but your agent goes through this process all the time. Lean into them and their knowledge. They will be able to make the right call on pricing and offers. An agent knows the current state of the market and what to expect which can help during the sale process.


If you or anyone you know is looking to buy, sell, or relocate to the Carson Valley, please send them my way. Call today 775.309.7979.