Questions answered by your Leading Real Estate & Home Professionals of Summer 2022
How is buying a home in the Historic Annapolis District different from buying other homes?
One of the reasons Annapolis has retained it’s unmatched charm is because Historic Annapolis was founded in 1952 to preserve the architecture of the city. They made sure our priceless homes were protected by limiting any changes to them. We know that when we buy them. And we applaud the work that went into saving Annapolis’s historic originality.
Because of the age of many of these historic homes, what we may not know are historic restrictions that are attached to houses we might purchase. The historic marker may tell us the Architectural period of the house but only a detailed title search will tell us of any long term restrictions that may be attached to that house. You should always consult with a real estate professional who specializes in historic homes. They will have information on the historic district, homes, as well as experts in the field to assist you.
Nancy Almgren
Berkshire Hathaway HomeServices Homesale Realty
How should I best prepare to meet with an agent to list my home?
Have a discussion with any other decision maker in the home about your goals, budget, and timelines. Make sure you are ready to sell, know what date you need to sell your home by, and what your budget is for any necessary home improvements or repairs. Make a list of any home improvements you have made to the home. Get an extra key made for the lockbox. Be prepared to take the agent on a tour of your home and share your favorite features about the home and the community.
The David Orso Team of Berkshire Hathaway Home Services | Pen Fed Realty
Can I sell my investment real estate using a 1031 exchange and buy a vacation home that I can enjoy with my family during the summer months?
No. You can sell your investment real estate and reinvest the gain, tax deferred, to purchase your vacation or second home, the challenge is making sure it will qualify as a 1031 investment property. Meaning that during the initial 24 months of ownership there are strict rules to follow regarding personal use. The important rule is that you can only use the property for 14 days each year or 10% of the actual days that you rent it out. For example, if you lease it for 200 days each year, your personal use can be up to 20 days. If you are able to abide by these rules, after two years the dream vacation home is yours to use as often as you like without any more requirements.
Jack Papaleonti, GRI/Realtor®
Academy Realty
What are the top three features that buyers look for in a top tier waterfront property?
Privacy is paramount, many of the buyers coming to the Annapolis area are in search of a retreat to relax and escape from the hectic city life. Waterview is also extremely important. Unobstructed panoramic views always fetch a premium in this market and the most coveted feature is the waterfront pool. The local critical area laws are very restrictive and having a pool on the waterside can be a challenge to have permitted, so an existing waterside pool is a major value add.
Brad Kappel
TTR | Sotheby’s International Realty
Thinking of selling your waterfront Home?
You’ve waited this long to sell your home and you hear the real estate market is softening. The good news is that real estate has had unimaginable appreciation in the past two years. The even better news is that you have a new baseline of value, and real estate is an asset class you can enjoy every single day – even if the value fluctuates a little. While the total number of waterfront homes for sale has increased since January, you can stand out from the increased competition. Your home must look as good as possible and be a good value. Work with a waterfront specialist to set the price correctly and make your home show-ready to reach your goal of selling this year.
Reid Buckley
Waterfront Specialist
The Mr. Waterfront® Team of Long & Foster
If every party verbally agrees to a contract, and everyone is ok with not adding it in writing, is it still binding?
By not putting into writing all verbal changes, agents can be severely disciplined by the Real Estate Commission disciplinary board for breaching their fiduciary responsibility to their clients. This is because the Statute of Frauds says that all terms of a real estate contract must be in writing and signed by the parties to be enforceable.
For more answers to your real estate contract questions, call Velocity’s Real Estate Contract Law Hotline at 1-800-MY-RE-LAW, or 1-800-697-3529.
Glenn Russell Donaldson, esq.
Velocity Title
What is the most important part of the mortgage process?
The very beginning, when we pre-approve a customer. I always tell my customers that 95% of my job is done up-front, and 5% is done throughout the rest of the process. If we don’t take an excellent application, ask all of the pertinent questions, and gather all of the required documentation, it can all fall apart at the end. Knowing your customer and their entire story is crucial. While many customers will tell you their information to the best of their knowledge, we cannot take the risk of basing our pre-approval solely on their word. We gather all documentation up-front to validate what we have input into the application. This can sometimes take longer to get this information, or the customer feels like it’s a pain to gather, but in the end everyone is happy when that loan gets fully approved and closes right on time.
David Jones
Atlantic Prime Mortgage
What can i do to attract more showings and possibly receive multiple offers on my home?
Taking the time to get your home in prime condition is so important. A qualified Realtor will have the resources to guide you to be the hottest house in town. Buyers want new paint, new flooring, upgraded baths, and great new upgraded kitchen with updated appliances.
Giving your home a facelift prior to entering the market will pay off in price, a short time on the market and the possibility of multiple offers.
Christina Janosik Palmer
Christina Janosik Palmer Group of Keller Williams Flagship of Maryland
What are the qualities I should look for in selecting a Realtor to work with?
Things that should matter...An agent’s dedication to their business as a full-time Realtor and their dedication to making your real estate goals a reality. Request the agent’s track record for the last 12 months, don’t be afraid to ask for references and what their reputation in the industry is. (Networking among our peers is crucial to a Realtor’s success). Ask for a 90-day business plan in writing for your sale or purchase. Keep in mind this is a business transaction and make sure you handle it exactly that way (you can become friends after the transaction). Ask for a realistic “days on the market” strategy and a marketing game plan when listing your home. When buying a home, make sure you meet and interview to decide if all the personalities mesh. Most of all make sure you select an adequate and knowledgeable guide and advisor to one of your largest purchases or sales.
Christina Janosik Palmer
Christina Janosik Palmer Group of Keller Williams Flagship of Maryland
What happens if I sell my home but I don’t have my next home secured?
If you decide to sell your home first without finding another home, you can negotiate a temporary rent back from the buyer so you can be non-contingent on the next home while giving you time to find another home. You can also negotiate a home of choice contingency when selling your home. Furthermore, there are ways to get creative with your financing and you should consult with a knowledgeable lender to discuss your possible options such as a bridge loan so you can purchase a home prior to selling your home.
Diane Mallare
Diane & Crew of Taylor Properties
What makes today a good time to sell my home?
Although we have experienced a slight shift, today’s market is still very much so a sellers market. We are still seeing more buyers in today’s market than there are homes for sale. Strategically pricing your home and ensuring the condition is up to par continues to be key.
Erica Baker
TTR | Sotheby’s International Realty
When is the best time to buy or sell real estate and what do we do if we think we need to do updates or repairs before the property goes on the market?
Late summer shows significantly less activity as the market continues to level out with increasing interest rates. The upcoming fall real estate market we anticipate a surge of homes for sale increasing the inventory substantially with more choices for buyers and greater competition for sellers. Timing the market depends on what is truly best for your own individual situation to make that decision. To get the very best guidance and advice, consulting an experienced local realtor is the first step. Before undertaking any updates or repairs let us advise you of the most up to date marketing recommendations. We even have partners that will make renovations or licensed repairs to your property and delay the cost until closing. You get valuable marketing expertise and guidance as to what is necessary or recommended to increase your property value and avoid wasted time and money.
Christy Bishop
Berkshire Hathaway HomeServices PenFed Realty
What important questions should I ask before choosing my builder?
Quality homes and happy customers don’t happen by accident. Successful builders have established well-honed systems to manage each project. Be sure to ask the following:
- When does the builder become involved? Early stage involvement will yield significant savings.
- Does the builder understand the building codes?
- Has the builder established relationships with local authorities to ensure a smooth permit process?
- Have past projects met projected/promised deadlines?
- Does the builder use quality subcontractors who offer competitive pricing?
- Does the builder carry all required licenses and insurance policies?
Dave Lunden
President, Timberlake Design/Builders
With the ability to search for homes online myself, why should I hire a buyer’s agent?
The Internet has made it easier for buyers to tour homes online and narrow down their list. The seller of the home pays the commission of the buyer’s agent, so it doesn’t end up costing you anything as the buyer, but it can end up saving you time and money by having the guidance of an agent. The closing process for a buyer is quite involved from the home inspection and the loan to all the paperwork and coordination—all the steps to get you to a stress-free settlement. Buying a home is an exciting time, so you should enjoy it and leave the less fun parts to the agent!
The David Orso Team of Berkshire Hathaway Home Services | Pen Fed Realty
What are the benefits of using a Real Estate agent in a new construction transaction when the builder has its own sales team?
Experience. The new construction process is unique and often very rewarding. That said, juggling the sale of your current house with the timing of completion on your new home, along with the vast number of selections, and determining appropriate financing, can be a real challenge. Professional advice focused on your needs, desires, and constraints is a tremendous no-cost benefit to a new home buyer.
Barry DesRoches
Director of New Construction | Eagle Title
What recent changes are you seeing in our local market?
I always share with my clients that listening to national real estate news is like listening to national weather reports. There are clues we can gather from national real estate, but it is and always will be very locally specific. Our market continues to be strong, but most of us in the industry expect the market to level out, but we also expect it to remain steady and strong as new economic factors take hold.
Scott Schuetter
Berkshire Hathaway Home Services
I would like to sell my home now but because of the low inventory, I’m afraid I will not find a home to purchase. How can I accept an offer and be protected from being homeless?
This is a very legitimate concern. What you can do to protect yourself is respond to the purchase offer with what we call a seller contingency on finding home of choice. If the purchaser accepts this contingency, you will have a certain time frame to find your home of choice. If you cannot find a home that is suitable, you can cancel the contract provided you do so with the specified time frame.
Katherine A. Davis
Associate Broker, Branch Vice President
Annapolis Fine Homes
I am buying a commercial property for the first time. How is the process different than buying a home?
Buying a home and a commercial property are similar; however, there are a few key differences. You will likely engage a commercial broker (the commercial equivalent to a realtor) to identify or list the property and negotiate the contract. Due to additional variables with commercial properties, you may wish to engage an attorney to draft and negotiate the contract and counsel you through closing. Further, because the commercial loan process has less government regulation, it is more common for the loan and settlement documents to go through multiple negotiations, whereas residential documents are standardized.
Paul Skrickus, Esq.
Director of Commercial Operations | Eagle Title
Do you expect the current unprecedented Seller’s Market conditions will continue for the remainder of 2022?
Since May we have seen the overall demand levels decreasing as the mortgage interest rates have spiked to almost twice what they were this time last year. That being said there does still seem to be a ton of Buyers looking to secure their waterfront escape. I anticipate that the local waterfront market will transition to a more a of Buyer’s market in the coming months. If you want to sell your home for Top Dollar, don’t wait, sell now and catch the tail end of this hot seller’s market.
Brad Kappel
TTR | Sotheby’s International Realty
What’s happening in the waterfront market?
Since the Fed’s latest interest rate hike, we have experienced a contraction in buyer demand. However, the steady-handed, and often cash, buyers are now having success negotiating. I also am happy to see more contracts with home inspections as this protects both buyers and sellers. We believe home values will continue to increase, but at a healthier and more natural rate than they have over the past two years due to the bidding wars caused by artificially cheap money. Sellers should understand that it is still a great time to sell, with recent comps offering a new base. While inventory is still historically low, the buyer activity is expected to strengthen as people race to lock in their interest rate before another rate hike takes effect.
Steven Arce
Waterfront Specialist
The Mr. Waterfront® Team of Long & Foster
What do you need to know before you purchase a lot to build your dream home?
A feasibility study is worth its weight in gold and should be included as a contingency in any contract or offer to purchase a lot. It can help you avoid costly mistakes! The study can also help you determine the budget you’ll need to get the lot ready to build, along with any specific permitting or building requirements that will impact your project. Utilizing your chosen builder to review your overall vision and design will also ensure the lot can accommodate the home you’d like to build, for the budget you have in mind. Download the free checklists at MuellerHomes.com
Paul Mueller, Jr.
President | Mueller Homes
How should I price my home in this market?
Sellers fall into the trap of incorrectly pricing their home in a hot market and it costs them lots of money. If you want to obtain top dollar then you need to let the buyers compete to drive the price and terms to an optimal point in the negotiation; which will happen very quickly. The “profit” comes from a competitive buyer pool outbidding one another. Professional experience, market research and understanding pricing strategy is more important than ever in a fast market because there is NO time to recover from an error. It’s truly binary: win fast -or- lose fast.
The David Orso Team of Berkshire Hathaway Home Services | Pen Fed Realty
Why use a Realtor in a Seller’s Market?
Today’s Seller’s market is changing. Hiring the right Realtor will prepare- staging/professional photos- and present your home online to over 900 websites, fellow Realtor Professionals & active buyers. This complete exposure will increase visibility and Buyer pool allowing you to choose your Buyer. The right Realtor will keep you updated on real estate market conditions. The right Realtor will confirm Buyer purchase power will negotiate not only the best price and terms (price, settlement, inspections, occupancy) but then navigate through inspections and appraisal to ensure a seamless settlement. With your largest investment, you deserve remarkable professional Realtor service.
Mary Beth Paganelli
410-980-5812
Long & Foster Real Estate
Are we in a home pricing bubble?
Short answer is, no. The residential market has seen huge appreciation over the last 24 months. From 2010 through 2019, residential real estate didn’t appreciate much. 2008 and 2009 we saw a decline by roughly 12% and there was about a .5% increase year over year until March of 2020. This quick incline in home prices isn’t unwarranted and we won’t see another 2008 any time soon. Mortgage underwriting guidelines have been much stricter since the meltdown in 2008, therefore we won’t see a secondary market collapse. Demand is at an all-time high while inventory is at an all-time low, couple that with historically low interest rates and I foresee additional room for growth.
Matt Nader
Branch Manager, First Home Mortgage
What is title insurance?
Title insurance protects from matters resulting from unknown liens, or other defects, affecting the title that existed prior to your purchase that were not discovered. Examples could include property taxes not paid by previous owner, fraud or forgery of a prior deed, or a spouse or unknown heir who makes a claim against title. Defending these matters could be very expensive and could cause you to lose the property itself. A title insurance policy provides coverage for legal defense, as well as the coverage amount listed in the policy.
Jerome I. Feldman, Esquire
President
Mid-Maryland Title Company, Inc.
What interesting deals have you been a part of recently?
I’ve recently had a unique deal that created a shorter-term investment strategy for my client. Purchasing a rental property based on location and ability to rent it for less than 30 days, can be a great way for an investor to diversify their real estate profit opportunities. Airbnb, VRBO, and other platforms have gained massive popularity in recent times and this provides for a unique approach to allow for listing the entire property or even individual rooms for rent.
The NDG Home Team has a proven roadmap for locating properties for this short term investment strategy.
Kelly Hoffman
NDG Home Team
When choosing a realtor, how important is it to consider their brokerage?
It can improve any buyer or seller experience and bottom line to engage a brokerage with broad recognition and reach, a robust marketing platform, and a strong history of success. Confidence in your realtor is paramount, yet considering your realtor’s brokerage is important too. Sellers know they are getting the best price when their home is beautifully prepared, well presented, and showcased to regional, national, and international buyers. Services provided to clients, marketing and legal support, and levels of agent experience vary among real estate brokerages.
Sarah Greenlee Morse
TTR Sotheby’s International Realty
Is the market shifting?
Simply stated: sales are down and values are holding. 2021 was a record breaking year for home sales in Anne Arundel County with 12,153 homes settled which is 61% higher than the 25 year annual average (7560 homes settled per year). The 2022 year to date figures at the time of this writing (June 2022) display buyer demand is lagging as home sales are down 14.15%. Although buyer demand is subsiding; values are holding strong with average home sale prices above 2021 by 9.78%. That is extraordinarily good news for our local market and likely signals an adjustment occurred to local values and it has stabilized.
*data gathered from Bright MLS and at time of writing.
The David Orso Team of Berkshire Hathaway Home Services | Pen Fed Realty
How is the market?
This market is still hyper-competitive with more emphasis now than ever on quality of life. There’s a ton of variables factoring into that but buyers are continuing to pull out all the stops for the right property in the right condition. It continues to be a very strong sellers market and will stay that way through 2022.
Shane Hall of Compass Real Estate
Why would I need to stage my house if homes are selling so quickly?
According to Real Estate websites, such as Realtor.com, homes that are staged sell for 20% more than homes that are not staged. Therefore, it is important to present your home in the best possible light. The key to success is working with a professional real estate agent who has the expertise and resources to properly guide sellers in the process of decluttering, determining appropriate paint colors and any necessary updates, as well as fully staging the property to create an emotional connection with today’s homebuyers.
Carol Snyder and Tina Bradshaw
The Snyder | Bradshaw Group
of Monument Sotheby’s International Realty
Is it true that my rooftop solar system shuts down if the electric grid goes down?
It depends. Until a few years ago, just about all grid-tied solar systems would deenergize during a grid outage. The reason for this has to do with electrical code and the requirement for “islanding”. If you are not islanded during an outage, your solar energy could feed back to the grid and put the utility workers at risk of injury.
Today it is easy to achieve “islanding” by incorporating a battery (energy storage) into your solar project. If you incorporate a battery into your solar energy system, you can operate your own little, independent microgrid during an electric grid outage.
Rick Peters
Solar Energy Services, Inc. | www.solarsaves.net
With the sharp increase in mortgage rates, is this still a good time to buy a home?
Yes, it is still a great time to buy. If you are waiting to see if home prices are going to decline, this is not likely to happen anytime soon. Low Supply and high demand will continue to push pricing. In the meantime, mortgage interest rates may continue to rise and further reduce your affordability. Remember home ownership is the best pathway to wealth. Now is the time to reach out to your real estate agent and begin your search!
Katherine A. Davis
Associate Broker, Branch Vice President
Annapolis Fine Homes
What is the client’s role in the design process?
The client plays a paramount role in the architect’s ultimate vision for each project. The architect works to marry the client’s style with their own design aesthetic. The client’s ideas and plans for using the project space guides the architect’s development of the site. The function of how the spaces will be used is the key component to kicking off any project.
Andrew Peterson
Architect | Lundberg Builders, Inc.
What is the best time of year to put our home on the market?
Even before the market uptick in 2020 there was a sea change to this over the past years. Years ago we were busier in the spring than we were in the winter. I believe that time has shown this had more to do with more folks wanting to wait until the green of spring came to have their home shown than it had to do with buyer demand. In more recent years the seasonality has flattened and sellers are listing when they need or want more often. While the year end holidays and kids ingress and egress to the school year always cause some pause, business is pretty consistent throughout the year.
Chuck Mangold Jr.
Benson & Mangold Real Estate
Is the Real Estate Market going to Burst?
As the housing market trends to its highest level despite a tightening economy, whispers are circulating, “will there be a burst in the housing market?” Most experts agree that a repeat of the artificially created bubble of 2007-11, is unlikely because, the current market conditions are organically created by true supply & demand.
With mortgage rates increasing, the housing supply will also increase. This slows both home prices & consumer demand ultimately pointing to a healthier home market. Over the last two years, homes sold in hours, receiving multiple offers. In the current market homes are sitting for several days waiting for an offer. This movement suggests that we’re headed towards a “normal market.” Currently, the U.S. has about a two-month supply of homes for sale, compared to the standard five-month stockpile.
Dee Dee McCracken
The DD McCracken Home Team, Coldwell Banker Realty
O: 410-224-2200 | C: 410-739-7571
Affiliated real estate agents are independent contractor sales associates, not employees. ©2022 Coldwell Banker. All Rights Reserved. Coldwell Banker and the Coldwell Banker logos are trademarks of Coldwell Banker Real Estate LLC. The Coldwell Banker® System is comprised of company owned offices which are owned by a subsidiary of Realogy Brokerage Group LLC and franchised offices which are independently owned and operated. The Coldwell Banker System fully supports the principles of the Fair Housing Act and the Equal Opportunity Act.
How do you foresee today’s ‘shifting market’ comparing to the housing crisis of late 2008?
Both then and now, the commonality of buyers’ frenzied purchases combined with sharp rises in housing prices. ‘Then’- teaser interest rates were utilized by borrowers who would not have qualified through fully amortized loans. Owners’ overzealous sights upon perpetual growth fell short to over-leveraged loans and sharp drops in home prices. ‘Now’- rising interest rates have created buyer apprehension. Sellers will begin to adjust pricing in order to entice faster contracts.
Unlike the crisis of late 2008, buyers are leveraging their purchases through more traditional loan programs, with less risky underwriting. Today’s ‘correcting market’ stems from buyers’ reduced borrowing ability with rising interest rates and corrective market pricing. As compared with the crisis of 2008, when teaser interest rates fully amortized against devastatingly depleted market values.
Jennifer Chaney, CSP, GRI, MBA
Chaney Homes
It’s clear the market is shifting. What tips do you have for sellers?
First, whether you are selling or buying don’t panic. This is not a market crash but rather a market correction. It’s pulling back and normalizing and that is actually a good thing.
Inventory is picking up and therefore buyers are getting more discerning. While size and condition are always the two biggest indicators of value, sellers need to focus on their overall image… top notch photography and/or videography, staging and marketing which together shapes a sellers’ online presence. Stand out from the crowd. As a Chaney Homes Agent, that’s my specialty: Superior staging and masterful marketing that delivers results.
Tricia Wilson
Chaney Homes
What are the benefits of living in a Retirement Cooperative Community like Londonderry?
Londonderry’s cooperative community structure is unique and offers the financial benefits of owning real estate without the burden of home and property maintenance. Membership in the corporation is achieved through the issue of a stock certificate and resident owners have a large impact on how the community is managed and operated. As a shareholder in a cooperative community, residents may recoup all their initial investment, plus appreciation, dependent on the real estate market’s performance. With the help of a on-site leadership team, residents enjoy working together to create an exceptional and vibrant senior living community.
Rachel Smith
Londonderry on the Tred Avon
What would you say is the most important factor to consider when selling a waterfront property?
In order to generate the sizzle when you first list your home you need to price it right, make sure your home is polished up so it shines and don’t forget high quality aerial photos. That said, the key factor is to make sure you hire a brokerage that effectively targets the Washington D.C. / Metro market. Recent sales data indicates that most premier waterfront properties are sold to buyers who are migrating this way to experience the Annapolitan lifestyle.
Brad Kappel
TTR | Sotheby’s International Realty
Are you seeing a big impact in the market from the recent and sudden change in mortgage interest rates?
We are certainly seeing some changes in both supply and demand. Rising rates have caused the average mortgage payment for new purchase loans to rise a whopping 30%-40% this year! While it is easy to imagine, and understand this would take some buyers out of the market, it also has a significant impact on supply. Many “potential” buyers that have decided to stay put are doing so because they had refinanced their existing loans for nearly half the current interest rate to buy a new home, it is a situation that is hard to walk away from as mortgages are not portable. This, of course, effects supply as less homes will come to market as potential sellers stay put. It is also important that the underlying economy remains healthy: jobless rates are still very low, and people have lots of equity in their homes. While everyone has a different opinion, I don’t believe we will see much duress in this cycle. Lenders have been lending responsibly since the great recession and mortgage defaults are still very low. In the case of the market I work in on the Eastern Shore, I believe our prices will be stable going forward.
Chuck Mangold Jr.
Benson & Mangold Real Estate
What do people forget to budget for when designing a kitchen or bath?
Countertops! They seem like a standard item incorporated into the overall cost; however, most budgets only include base pricing with very limited options. Quartz is the most popular material, but base pricing typically only covers stock granite options. In addition, since it is typically the last item to be installed, the price tag after templating can shock a client.
Julie Cooke
Designer
314 Design Studio, LLC
Is it true that my rooftop solar system shuts down if the electric grid goes down?
It depends. Until a few years ago, just about all grid-tied solar systems would deenergize during a grid outage. The reason for this has to do with electrical code and the requirement for “islanding”. If you are not islanded during an outage, your solar energy could feed back to the grid and put the utility workers at risk of injury.
Today it is easy to achieve “islanding” by incorporating a battery (energy storage) into your solar project. If you incorporate a battery into your solar energy system, you can operate your own little, independent microgrid during an electric grid outage.
Rick Peters
Solar Energy Services, Inc. | www.solarsaves.net
What’s the first thing you should consider when designing your home?
One of the most important things to consider is how each space will be used. Work with an interior designer to help you identify areas which will have the most traffic, where you will entertain, which spots will serve double duties and where you will relax. Then select the best furniture and placement throughout your home, appropriate fabrics and other materials, and develop color schemes. And don’t forget to enjoy the process!
Fiona Newell Weeks
Dwelling & Design
What are some questions that may improve my odds of survival in this market?
1.) Have you spoken to a lender? You need absolute clarity on your lending scenario so that you can act fast, and with certainty! The market is moving quickly and you need to too!
2.) Have you had a hard talk with yourself about WANTS vs NEEDS? You can change the paint, counters, and carpet, but you cannot change the location!
3.) Have you considered the next zip code, or neighborhood? Explore a little, familiarity is great, but maybe the adventure will be worth it!
Lisa Barton
The DD McCracken Home Team, Coldwell Banker Realty
O: 410-224-2200 | C: 410-829-2051
Affiliated real estate agents are independent contractor sales associates, not employees. ©2022 Coldwell Banker. All Rights Reserved. Coldwell Banker and the Coldwell Banker logos are trademarks of Coldwell Banker Real Estate LLC. The Coldwell Banker® System is comprised of company owned offices which are owned by a subsidiary of Realogy Brokerage Group LLC and franchised offices which are independently owned and operated. The Coldwell Banker System fully supports the principles of the Fair Housing Act and the Equal Opportunity Act.
