Nothing compares to the warmth and comfort of being at home. But for many dogs across America, this feeling is foreign.
According to The Humane Society, between six and eight million dogs and cats enter shelters each year. Plus, almost three million healthy shelter pets are not adopted annually, and only about 30 percent of pets in homes come from shelters or rescues.
These sobering facts are what served as the inspiration the Coldwell Banker Homes for Dogs Project. After more than 100 years of helping people find homes, the real estate company extended its mission to man’s best friend with its “Homes for Dogs Project.” By partnering with Adopt-a-Pet.com, North America’s largest non-profit pet adoption website, the Coldwell Banker network has helped to find more than 20,000 dogs their furever homes.
To increase awareness of the effort, Coldwell Banker has focused its latest advertising campaign called “Old Dog New Dog” to capture the heartfelt story of an agent giving back to her community by helping shelter animals find homes through the “Homes for Dogs Project.”
The commercial features rescue dogs, such as Max, who was adopted in 2014 after being spotted on Adopt-a-Pet.com. Before he was put up for adoption, Max was picked up as a stray and delivered to a “high kill” shelter in San Bernadino, CA. The shelter only keeps dogs for five days before it puts them down, and after Max had been at the shelter for four days, a worker reached out to The Dexter Foundation, a local non-profit dog rescue and adoption agency, which quickly rescued Max and found temporary foster care for him.
“I found him on Adopt-a-Pet.com as I was looking for a dog to rescue of that sort of breed and age,” said Kelly Saffrey, Max’s current parent. “As soon as I saw his picture, I just knew he was the pet for me.”
Adopt-a-Pet.com currently has more than 15,000 shelters and rescues in its network, and it is thrilled to be partnering with Coldwell Banker.
“We share Coldwell Banker’s view that nothing turns a house into a home more quickly than the addition of a loving pet,” said Abbie Moore, executive director of Adopt-a-Pet.com. “And we are so inspired by the desire of Coldwell Banker to launch this amazing program.”
For more information on the “Homes for Dogs Project,” head to coldwellbanker.com/homesfordogs
Source: CB Blue Matter Blog
Most people won’t live in the same home for 30 years, the typical life of a mortgage loan. So, when it comes time to sell, many homeowners still have mortgage debt to deal with. Is this a problem? What happens to your mortgage when you sell your home?
Once you sign your name on a mortgage loan, you are responsible for the money—no one else. This means that you must pay it back, which you can do with the money you gain from selling your home.
The truth of the matter is that selling a house with a mortgage is a common occurrence. It’s not something you need to be embarrassed or worried about. However, there are a few things you should be aware of and a few steps you should take before you try selling a home that you still owe money on.
Check Your Mortgage
The first step to selling a house with a mortgage is to contact your mortgage lender and ask about your current mortgage. You want to know:
- Your current mortgage payoff amount
- Your due-on-sale clauses
Your mortgage payoff amount is the exact amount of money, including accrued interest that you owe to the bank. This amount is typically good for 10-30 days and represents the outstanding loan balance that you must pay. The last thing you want to do is default on your mortgage.
The due-on-sale clauses reveal the exact rules of how to sell a house you still owe money on. It covers such information as when the paid-in-full loan is due and what the process is, including any fees. The clauses won’t tell you who you can or can’t sell your home to, but they may need some additional information about the buyer’s mortgage lender. Be sure to ask any questions you might have about these clauses, so you have a full understanding before you take the plunge and start your sale.
Selling Your Home
Once you know the ins and outs of your loan terms, it’s time to get to selling a house with a mortgage, which can get slightly complicated. First, you’ll want to work with a title company.
If your current lender doesn’t set you up with a title company, you can hire an agent on your own. This agent will be responsible for ensuring that there are no issues with your property’s title, and act as the intermediary throughout the entire purchase and sale process.
Here’s what happens to your mortgage when you sell your home and use a title company:
- The title agent holds the money from the new buyer during the sale
- After you sign all the documents at the closing table, the title agent uses the sale money to pay your current mortgage holder
- Once the amount has been paid, the title transfers to the buyer and you, as the seller, are given the leftover money (minus various fees)
If the sale covers the full cost of the current loan, it’s a fairly smooth process. However, if you owe more than your home is actually worth—negative equity—there could be some trouble. In that case, you’ll have to work out a deal with your lender for a reduced payoff amount, or you may need to refinance and stay in your home for longer than you planned.
In the end, selling a home with a mortgage shouldn’t be a problem. The most important thing is to know your options, so that you can make the right decisions.
For help throughout the entire selling process, visit www.coldwellbanker.com and find a real estate agent near you.
Warm weather is upon us, and it’s time to take the party outside. From Cinco de Mayo to Mother’s Day to Memorial Day, spring’s signature celebrations deserve a festive and welcoming outdoor space. But what if your patio feels a little plain, a little bare, or a little less-than-inspiring for the party of your dreams?
Dreams can become reality if you have the right plan. And we can prove it. We will show you how to take a winter-worn patio and make it bloom into a versatile foundation for hosting three spring parties, from setting up the perfect base space to perfecting every minor detail, down to the apps and napkins.
With the advice from our design and party experts, and the dramatic before and after photos of our patio designs, you are sure to find the inspiration to transform your patio into a party destination all season long.
Build a Beautiful Base
Before running off to purchase celebration decorations, take the time to build a versatile, functional outdoor living base for your family, whether you are entertaining or not. Most patios need the following basic elements:
- A table and set of chairs
- Planters and greenery
- A source of shade
Of course, don’t forget the grill—the official cooking tool of spring and summer.
Click on the arrows to see the patio transformation:
Spruce up the area
After the dreary winter months, your backyard oasis might look a little rough around the edges. Shrubbery can have dead or uneven growth, and leaves and branches litter the ground. In general, your greenery may need a little TLC. Pay attention to the plants and lawn around your patio by trimming, checking for disease or damage, and fertilizing all greenery. Setting up your lawn and garden for success means that they’ll reward you with beauty all season long.
Don’t forget the patio itself. Concrete is the most common patio surface, and since it is semi-porous, it can hold general grime as well as stains from plant matter. Use a pressure washer to bring back its sparkle (while you’re at it, extend the cleaning to the exterior of the house as well). Pressure-washing can prolong the life of your surfaces (mold and mildew naturally cause decay), and the results are immediate!
Once the surface is clean, add potted planters filled with seasonal, colorful flowers to help blend the patio with its surrounding environment.
Choose your investment pieces
Plastic Adirondack chairs are great for a casual get together. But when you’re ready to transform your outdoor space into an entertaining area suitable for the whole family, you’ll need comfortable, attractive seating, some shade and a table fit for all the great food coming off the grill.
“The elements are going to take their toll, so it’s important to invest in quality,” says KariAnne Wood, a blogger, lifestyle expert and creator of Thistlewood Farms in Paducah, Kentucky. “Look for pieces that are a good scale for your size patio, and when you invest in furniture, make sure that you get furniture protectors so you can protect it from the elements in the off season.”
A neutral table and chair set is a great base (especially if you add a little texture with a rug below it). From there, says Wood, it’s time to add some shade. Consider an umbrella or pergola: “It extends the life of the patio, and helps define and add purpose to the space.”
Umbrellas come in a huge range of styles, from traditional table-anchored options to bigger, more modern cantilever styles.
Finally, the easiest way to “fire up” a party is to add a grill to your outdoor setting. By taking the cooking outside, you’ll get to spend time with your guests, keep the house cool in the heat of summer and show off your cooking chops to the neighborhood. Gas and charcoal are both excellent choices, and some grills include both, so you can leave your options open.
Your base patio is set! Now, building a specific party setting is a snap, which Jacqueline Lawrence of inventivENVIRONMENTS in Charleston, South Carolina, illustrates with the following seasonal soirees.
“I love a challenge like this!” says Lawrence. “It’s really all about creating a plan and then layering the look with texture, color and fabric.”
Party One: Cinco de Mayo
Cinco de Mayo is rising in popularity as a celebration in the US, but don’t fear that you’re stuck with plastic margarita glasses, a piñata and sombreros. Go beyond cliché to celebrate the vibrancy of Mexico and its rich heritage.
Lawrence explains her elegant approach: “We want something cool and inviting for Cinco de Mayo, so we evoke the colors and textures of the high Mexico desert. Cool sage greens, a woven runner, citrus and succulents provide inspiration, and the last two do double duty on the table-scape: The citrus can be a great beverage garnish, and the potted succulents a thoughtful takeaway gift for the evening’s guests.”
Click on the arrows to see the Cinco de Mayo patio transformation:
Additionally, since Cinco de Mayo is often more of an evening affair, Lawrence also includes a glint of copper to catch the setting rays of the sun, and uses the space under the umbrella as a party “ceiling” from which to hang decorative elements. In this case, copper lanterns accented by a fresh flower garland woven throughout look even better when there’s a soft glow from the lanterns’ candles.
Our menu highlights the culture of Mexico:
Party Two: Mother’s Day
Small details, pale petals, tinkling glass and delicate treats—Mother’s Day is all about making the women in your life feel special, so it makes sense that traditional feminine details lead the way in this design. Seersucker fabric is fresh and full of spring promise, beautiful glassware makes the day sparkle and you can never have enough flowers for Mom.
“The amount of flowers for this scene might feel over the top, but really, it’s very doable!” says Lawrence. “Purchase some potted plants in bloom for the planters, and then layer flowers for the table. Buy simple cut flowers to arrange for a centerpiece, and then add flower heads to each place setting—and even the ice cubes! Different varieties, colors and sizes really provide the illusion of an abundance of petals.”
Click on the arrows to see the Mother’s Day patio transformation:
Below the petal explosion are the fresh stripes of seersucker—Lawrence used the iconic breathable fabric as a runner, complemented by delicate napkins and even more floral motifs on fabric pillows, which creates a luxurious feel and makes the scene one-of-a-kind. Maybe mom always told you to “dot your i’s and cross your t’s”—this design does all that in the details.
Our garden-inspired Mother’s Day menu features fresh and light fare:
Party Three: Memorial Day
For Memorial Day, take your color cue from the American flag to plan a patriotic party. Red, white and blue used in equal proportions create a bold backdrop for a casual cookout.
Kerrie Kelly of Kerrie Kelly Design Lab in Sacramento, California, uses the patriotic trio to great effect.
“Nothing says ‘all-American’ quite like a decorative grouping of pots and planters full of red geraniums, while vibrant outdoor pillows in hues of red, white and blue set the tone of your celebration,” says Kelly, adding, “Don’t forget the miniature flags!”
Click on the arrows to see the Memorial Day patio transformation:
Lawrence follows this classic advice in setting the scene for our Memorial Day party, including swapping out the chairs’ seat cushions for a motif that fits the celebration. “A few styles of cushions can really extend the life of your furniture and make it feel fresh with a simple change. Why not a bright pop of red for Memorial Day or the Fourth of July?” she asks.
Additionally, Lawrence uses monofilament to hang paper stars and lanterns from the umbrella, extending the color from the table itself into the entire space.
The table and the grill are the stars of this show, and the table is set to create a buffet style service for the food. A few chairs are moved into a conversation area in the shade, providing easy table access for guests to fill their plates. Although cool desserts will help take minds off the heat, designer Kelly suggests being ready with an assortment of yard games.
“Activities like corn hole, croquet and ping-pong get the whole family involved, while a kid-approved activity like decorating bike baskets or making ice cream sundaes keep their focus on the fun of the long weekend,” suggests Kelly.
Once the food is finished, it’s easy to clear away the serving dishes and transform the table for crafts.
Our Memorial Day menu takes the standard cookout fare up a notch:
Starting with a neutral, comfortable base will ensure that your party goes as planned, no matter the occasion. From there, choose an inspiration for the decor and then take a cue from our professional designers by layering elements to make your spring party feel more professional and put together. Now all that’s left to do is celebrate!
Source: CB Blue Matter Blog
Female agents face an upward mobility challenge within the industry. Here’s how real estate brands and brokerages can work to mend the female leadership gap.
A stark lack of of women in leadership positions exists across all industries. The real estate industry, however, could quickly pivot and become the paragon industry when it comes to representation.
Women have always excelled in the field, but statistically have not found themselves in leadership positions. A report titled How Women Brokers are Reinventing Leadership in the 21st Century from the California Association of Realtors — which recently launched its WomanUP!® initiative and hosts an annual conference — found that women are opting out of large brokerages to forge their own paths.
We should celebrate women entrepreneurs starting their own real estate companies, but as an industry — and particularly within larger companies — we need to take a critical look at why so many talented women with the will to lead are not finding these opportunities within traditional brokerages.
It’s clear that real estate has an upward mobility challenge when it comes to female leaders. According to the NAR 2017 Member Profile Report, women account for 67 percent of all real estate agents, yet only 46 percent of non-selling broker-owners are women.
At Coldwell Banker’s annual Leadership Summit in March, we hosted a panel titled, “When Women Lead,” comprised of women leaders from across the country, with the goal of getting to the root cause of this leadership gap. We found that women in real estate often face two common hurdles: a lack of management training and limited opportunities for leadership positions in their offices.
A one-hour panel didn’t begin to scratch the surface, so we have also introduced a series of virtual conferences with Coldwell Banker agents and brokers to continue the conversation. Hearing from women throughout the network has inspired me to find ways to drive change at both the grassroots level, within each office, and throughout the larger network. In mid-March, I hosted our first “Women of Coldwell Banker,” lunch attended by 100 percent of the women in our home office.
Women with the will to lead have many shared experiences — hearing from others who have achieved success helps us all realize that overcoming challenges is possible, when we identify common hurdles we can find better solutions.
It is also important for men in our industry to rise to the occasion and meet their female peers shoulder to shoulder in this fight. Without allies, making progress towards this goal only becomes more challenging.
Conversations, mentorship and training for women are only part of the equation. To bridge the leadership gap, it’s critical that opportunities for growth are offered to talented women in real estate. Training is only effective once it is applied. Paving the path to management and leadership in real estate will inspire future generations and propel our industry forward.
It is imperative for companies and brokerages to build infrastructure within their companies to provide talented, hardworking women with the tools and training, as well as the opportunities, to lead. Creating task forces, hosting summits and sparking conversation will ignite change — first by providing women with a platform to air their challenges and subsequently by influencing organic change throughout the industry.
So, I challenge you all to do your part in accelerating the real estate industry’s progress in narrowing the female leadership gap. Encourage open conversations among peers within your network. Take an honest look at the growth opportunities available for women at your company. Put pen to paper and develop your plan of attack to combat this issue.
If you’re interested in learning more about working with Coldwell Banker Real Estate, please visit us here.
Source: CB Blue Matter Blog