Deidre Pfeifer

Real Estate Agent, California

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Why You Should Visit a Home When the Neighbors Are Home

September 16, 2026 by Deidre Pfeifer

A home showing at 11 a.m. on a Wednesday can give you an excellent look at the property. It may not give you an accurate picture of the neighborhood. Many residents are at work, children are at school, vehicles are gone, and the street may be unusually quiet. Before buying, consider visiting again when the neighbors are actually home.

Come Back After Work
A neighborhood can change considerably between afternoon and evening. When residents return from work, you may discover that street parking fills quickly or that several neighboring households have multiple vehicles. A street that seemed wide and open during your showing could feel considerably tighter at 6 p.m.

You may also get a better sense of commuter traffic and how easy it is to enter or leave the neighborhood during busier hours.

Listen to the Neighborhood
Evening visits can reveal sounds that simply were not present earlier. Dogs may be outside. Children may be playing. Neighbors may gather in yards or garages. Nearby restaurants, businesses, parks, or entertainment areas may become more active.

None of these things are necessarily negative. The question is whether the activity level matches the environment you want.

A buyer who loves an active neighborhood may find these things appealing. Someone looking for exceptional quiet may feel differently.

Weekends Can Tell Another Story
If possible, visit on a weekend too. Saturday morning might reveal landscaping activity, recreational vehicles, community events, garage projects, or heavy use of nearby parks. Weekend evenings could provide a much different picture of neighborhood activity.

If you are considering a condo or townhome, this can be particularly helpful because you may be living much closer to your neighbors.

Observe Without Making Assumptions
The goal is not to evaluate individual neighbors based on one brief visit. Every household occasionally has parties, visitors, barking dogs, or extra cars.

Instead, look at the broader environment. Does the neighborhood function the way you expected? Is parking generally manageable? Is the level of activity comfortable for you? You are purchasing the home, but you will experience everything around it every day.

Before making a final decision, visit at different times and on different days. The house will probably look much the same. The neighborhood might not, and discovering that difference before you buy can be extremely valuable.

Filed Under: Home Buyer Tips Tagged With: Home Buying Tips, Neighborhood Tips, Real Estate Advice

What the Trash Cans Can Tell You About a Neighborhood Before You Buy

September 15, 2026 by Deidre Pfeifer

When evaluating a neighborhood, buyers often drive through looking at homes, yards, traffic, and nearby amenities. There is another surprisingly useful time to visit: trash collection day. It may not sound glamorous, but garbage and recycling day can reveal details about how a neighborhood functions that are easy to miss during a scheduled showing.

Look at What Happens at the Curb
Pay attention to how trash and recycling are handled throughout the neighborhood. Are containers neatly placed at the curb, or are sidewalks and streets difficult to navigate?

Overflowing containers, piles of discarded furniture, or trash regularly left outside designated areas do not automatically indicate a problem. However, patterns across multiple properties can provide insight into how residents maintain their surroundings.

It is less about judging individual households and more about observing the overall environment.

Watch What Happens to Parking
Collection day can also reveal how much space is actually available on the street. Trash cans occupying curb space may force vehicles into different locations and expose existing parking pressure. On streets already packed with vehicles, collection day can make congestion even more noticeable.

For buyers with multiple vehicles, frequent visitors, or limited driveway space, that can be useful information.

Notice How Properties Are Maintained
A collection-day drive can provide an unexpected glimpse into property upkeep. Large amounts of debris, recurring bulky-item piles, overflowing dumpsters, or neglected common collection areas may be worth noting.

In communities with shared trash facilities, buyers can also see whether those areas appear reasonably maintained and accessible.

One messy collection day should not define an entire neighborhood. Repeated conditions are more meaningful than a single observation.

Pay Attention After Collection Too
Consider returning later in the day or the following morning. Do containers disappear quickly, or do they remain scattered along sidewalks and streets for days?

You may also notice how early collection occurs and how much noise accompanies it. If the bedroom of the home you are considering sits near a community dumpster or collection point, that seemingly minor detail could matter every week.

Buying a home means buying into the rhythms of its surroundings. School traffic, deliveries, parking, landscaping crews, neighbors, and even trash collection become part of everyday life.

A neighborhood can look completely different depending on when you visit. Sometimes an ordinary trash day can tell you more about living there than a perfectly timed Saturday afternoon showing ever could.

Filed Under: Real Estate Tips Tagged With: Home Buying Tips, House Hunting, Real Estate Tips

What’s Ahead For Mortgage Rates This Week – September 14th, 2026

September 14, 2026 by Deidre Pfeifer

While CPI data has come in within expectations for current inflation, inflation remains much higher than in previous years. The rate is holding steady at 2.4%, which is above the Federal Reserve’s 2.0% target. 

There are sectors where cost has seen significant increase and has not been reflected in the CPI due to the more recent changes implemented by the Trump administration. Fuel costs, for example, have seen an upward year-over-year trend that has been exacerbated by the recent war in Iran.

The Fed Beige Book and balance sheet have also shown steady growth and an upward trend as of late. Despite inflation data running counter to this idea, there are still widespread expectations that rates will be cut again.

Consumer Price Index
Consumer prices increased 0.4% in August, while core CPI rose 0.3%. Annual inflation remained at 3.4%, with core inflation easing to 2.4%. While underlying inflation continues to move closer to the Federal Reserve’s 2% target, the monthly increase suggests that inflationary pressures remain persistent.

Producer Price Index
Producer prices increased 0.4% in August, while prices for goods rose 1.1% and services increased 0.1%. Producer prices were up 5.4% from a year ago, indicating continued wholesale inflation pressure. Core PPI, excluding food and energy, increased 0.2% for the month and 4.6% year over year. The stronger headline reading could make the Federal Reserve more cautious about future rate cuts, potentially putting upward pressure on mortgage rates. 

Primary Mortgage Market Survey Index

  • 15-Year FRM rates saw an increase of 0.05%, bringing the current rate to 6.09%.
  • 30-Year FRM rates saw an increase of 0.05%, bringing the current rate to 6.76%.

MND Rate Index

  • 30-Year FHA rates saw an increase of 0.24%, with current rate at 6.68%.
  • 30-Year VA rates saw an increase of 0.24%, with current rate at 6.70%.

Jobless Claims
Initial Claims were reported to be 206,000 compared to the expected claims of 200,000. The previous week landed at 209,000.

What’s Ahead
FOMC is holding an economics projection meeting which should provide forward guidance on policy. Additionally, the Federal Reserve Interest Rate decision happening mid-week, making for a very light week.

Filed Under: Financial Reports Tagged With: Financial Report, Jobless Claims, Mortgage Rates

Why the Direction a Home Faces Can Matter More Than You Think

September 11, 2026 by Deidre Pfeifer

The direction a home faces may not be near the top of your house-hunting checklist, but orientation can influence much more than the view from the front door. Sunlight, indoor temperatures, outdoor spaces, landscaping, and even how certain rooms feel throughout the day can all be affected by the home’s position.

Paying attention to orientation during your search can help you find a property that better fits your preferences.

Notice Where the Natural Light Falls
Think about which rooms receive morning sunlight and which become brighter later in the day. A kitchen filled with morning light may appeal to one buyer, while another may prefer afternoon sunlight in the living room. Touring at only one time of day may not reveal how the home’s lighting changes.

Consider Outdoor Living Areas
Orientation can significantly affect patios, decks, and backyards. A space that feels comfortable during a morning showing could receive intense direct sunlight later in the afternoon.

If outdoor living is important to you, consider when you are most likely to use the space and where the sun will be at that time.

Think About Indoor Comfort
Windows exposed to substantial direct sunlight can influence indoor temperatures. Window coverings, insulation, landscaping, roof overhangs, and energy-efficient windows can all help manage heat and light.

Rather than assuming one orientation is always better, evaluate how the individual home handles its exposure.

Look at the Landscaping
Sun exposure affects which plants thrive around a property. Areas receiving prolonged sunlight may require different landscaping and watering than shaded portions of the yard.
Existing mature trees may also dramatically change the amount of sunlight reaching the home.

Visit More Than Once
If you are seriously considering a property, seeing it at another time of day can provide valuable perspective. Notice how the rooms, backyard, driveway, and exterior feel under different lighting conditions.

There is no universally perfect direction for a home to face. The best orientation depends on the property, climate, surroundings, and your personal preferences. Paying attention to sunlight and orientation can reveal details that photographs and a single showing may never capture.

Filed Under: Real Estate Tips Tagged With: Home Buying, Natural Light, Real Estate Tips

How to Evaluate a Home’s Garage Before You Buy

September 10, 2026 by Deidre Pfeifer

A garage can be easy to treat as an afterthought when you are focused on kitchens, bedrooms, and living spaces. Once you own the home, however, the garage may become an important part of everyday life. Whether you plan to use it for vehicles, storage, hobbies, or a workspace, evaluating it carefully before buying can prevent frustrating surprises later.

Make Sure Your Vehicles Actually Fit
A listing may describe a property as having a two-car or three-car garage, but that does not necessarily tell you how much usable space is available.

Consider the width and depth of the garage as well as the size of the doors. Larger vehicles may technically fit inside while leaving very little room to open doors, walk around the vehicle, or store anything else.

Look at the Available Storage
Pay attention to shelving, cabinets, ceiling height, and wall space. If the garage currently appears spacious because it is empty, imagine how it will function after adding bicycles, tools, seasonal decorations, sports equipment, and household storage.

Inspect the Garage Door
Open and close the garage door during the showing when possible. Listen for unusual noises and look at the tracks, springs, panels, weather stripping, and automatic opener.
A professional home inspection can provide additional information about its condition and operation.

Consider Electrical Needs
If you use power tools, want a workshop, or anticipate charging an electric vehicle, look at the available electrical outlets and panel capacity. Future upgrades may be possible, but understanding what currently exists helps you plan ahead.

Check for Signs of Moisture
Look for water stains, cracks, unusual odors, or evidence of previous moisture intrusion. Pay particular attention to the garage floor, walls, and areas around exterior doors.

Think Beyond Parking
Your needs may change over time. A garage that provides flexible storage or workspace can become increasingly valuable as your household evolves.

The garage may not be the most glamorous part of a home tour, but it deserves careful attention. Evaluating its size, condition, storage, electrical capabilities, and flexibility can help ensure that it works as well for you as the rest of the home.

Filed Under: Real Estate Tips Tagged With: Garage Goals, Home Buying, Real Estate Tips

What Buyers Should Know About Homes on a Cul-de-Sac

September 9, 2026 by Deidre Pfeifer

Homes on a cul-de-sac are often appealing to buyers looking for less through traffic and a neighborhood setting that feels more tucked away. The location can offer advantages, but the shape and position of the lot can also create considerations that are easy to overlook during a showing. Before deciding that a cul-de-sac is the perfect location, take time to evaluate how the property actually functions.

Consider the Lot Shape
Cul-de-sac lots are often shaped differently from traditional rectangular lots. Some properties have narrow frontage with a backyard that becomes significantly wider, while others may have unusual property boundaries.

Walk the entire property and consider how the lot shape affects usable outdoor space, fencing, landscaping, parking, and future improvements.

Look Closely at Parking
The curved street can sometimes limit available curb space. If the household has several vehicles or frequently hosts guests, consider whether the driveway and surrounding street provide enough practical parking.

Pay attention to neighboring driveways, fire hydrants, mailboxes, and other features that could further reduce street parking.

Think About Traffic Differently
One attraction of a cul-de-sac is that vehicles generally enter because they are visiting a home on that street rather than passing through to another destination. However, every neighborhood is different.
Visit at different times to see how residents, delivery vehicles, children playing outside, and guest parking affect the street.

Evaluate Privacy
Some cul-de-sac properties provide excellent backyard privacy, while others may border several neighboring yards because of the fan-shaped lot configuration. Look beyond the front of the home and consider sightlines from neighboring properties.

Consider Everyday Convenience
A quiet location may mean being farther inside a subdivision. Think about how that affects your commute, walking routes, school transportation, snow removal where applicable, and access to the neighborhood entrance.

A cul-de-sac can be an excellent setting for the right buyer, but the street itself should not be the only deciding factor. Evaluating the lot, parking, privacy, traffic, and everyday convenience can help you determine whether the property truly fits your lifestyle.

Filed Under: Home Buyer Tips Tagged With: Dream Home, House Hunting, Real Estate Tips

What’s Ahead For Mortgage Rates This Week – September 8th, 2026

September 8, 2026 by Deidre Pfeifer

The Non-farm Payroll figures are a strong indicator of the job market and showed a notable increase this quarter. However, this doesn’t necessarily indicate a significant shift in the job market as a whole, as certain sectors have experienced outsized impacts compared to others. JOLTs job openings data does support the increase in openings seen over the last quarter, though it is not among the largest indicators on the broader economic scale.

Non-farm Payrolls
The +162,000 jobs was considerably stronger than the 31,000 average monthly gain over the preceding 12 months. Food services added 59K and local-government education added 42K, while information employment fell 23K.

JOLTs Job Openings
The number of job openings was little changed at 7.3 million in July, the U.S. Bureau of Labor Statistics reported today. Hires and total separations both changed little at 5.1 million. Within separations, quits (3.1 million) and layoffs and discharges (1.7 million) were little changed. 

Primary Mortgage Market Survey Index

  • 15-Year FRM rates saw an increase of 0.06%, bringing the current rate to 6.04%.
  • 30-Year FRM rates saw an increase of 0.05%, bringing the current rate to 6.71%.

MND Rate Index

  • 30-Year FHA rates saw an increase of 0.07%, with current rate at 6.44%.
  • 30-Year VA rates saw an increase of 0.09%, with current rate at 6.46%.

Jobless Claims
Initial Claims were reported to be 200,000 compared to the expected claims of 209,000. The previous week landed at 215,000.

What’s Ahead
PPI and CPI inflation data are set to be released mid-week, along with other notable economic releases, including the Federal Reserve Balance Sheet and Consumer Credit data.

Filed Under: Financial Reports Tagged With: Financial Report, Jobless Claims, Mortgage Rates

What Costs Can You Expect When Selling Your Home? Let’s Take a Look

September 4, 2026 by Deidre Pfeifer

What Costs Can You Expect When Selling Your Home? Let's Take a LookFor many people, putting their home up for sale is an exciting time. With real estate on the rise, there are plenty of opportunities to see financial gains. Unfortunately, even if you’re selling your home, there are still going to be costs involved before ownership is transferred. If you want to be prepared for what to expect, here are some costs to watch out for.

Real Estate Agent Fees

As with buying a home, there will be costs involved in selling your home with an agent who will take a percentage out of the total sale of your home. Fortunately, while this will cost money, utilizing a real estate agent will probably garner you more money than you would have been able to get by putting your home on the market yourself. If you do want a better deal, it may be worth talking to your agent and seeing if they’re willing to negotiate on their percentage.

Agreed-Upon Closing Costs

It’s not uncommon nowadays for homebuyers to request their closing costs be paid by the seller in order to secure a deal, but it’s worth understanding what these fees may consist of. While there may be fees for the home appraisal, property transfer, and title insurance, there may also be maintenance costs you’ll have to take on following the home inspection. As a result, it can be important to do any home touch-ups before you’ve set a date for the open house as these can lower the offers on your home.

Moving Costs

Even if you have a big truck and a lot of heavy lifters in your family, there’s a good chance that you’re still going to require a moving company to take care of many of your items. You may be able to minimize these costs by moving in pieces and leaving the heavier items for the movers, but if your home sale is closing quickly, this work might best be left to the professionals. It will be worth getting quotes from a handful of trusted local movers to see who comes recommended at a reasonable price.

It’s easy to get caught up in the concept of selling your home, but even along with selling come many costs you’ll want to be aware of. If you’re preparing to put your home on the market, contact your local real estate professional for more information.

Filed Under: Home Seller Tips Tagged With: Home Seller Tips, Real Estate Tips, Selling a Home

Are You Ready for Home Ownership? Find Out by Answering These 4 Questions

September 3, 2026 by Deidre Pfeifer

Do you ever dream about a larger, roomier, or more luxurious living space? Or perhaps just want to experience the joy of owning your own home and building your net worth instead of renting? Let’s explore a few questions that can help to answer whether or not you’re ready for a new lifestyle as a homeowner.

Can You Realistically Afford To Buy A Home?

The first consideration to make is a financial one: can you afford it? Buying a home is a significant financial investment. In most cases, you’ll need to manage monthly mortgage payments for many years. The good news: owning a home is more affordable than you might think. If you’re already a stable renter then you’re most of the way there.

Do You Have Your Down Payment Saved Up?

If you’re confident that monthly payments are no problem, then the next step is saving up enough to cover your down payment. This is a lump-sum investment that you make when you buy the home. Typically your down payment is around 20 percent of the home’s cost, but there are assistance programs that can reduce this further.

Do You Know What Type Of Home You Need?

Once you’ve cleared all of the financial hurdles, you will need to decide exactly what kind of home you need. If you’re a single young professional, a condo or apartment might be the perfect starter home from which you can upgrade later. Or you might prefer something more rural which comes with more yard space, perfect for pets.

Are You Ready To Set Down Some Roots?

Finally, it’s worth taking some time to decide whether or not you’re ready to emotionally and physically invest in your local community. Is your career stable enough that you won’t be moving for at least a few years? What about that of your partner or spouse? If you don’t already, do you envision having children in the future? All of these are considerations that will help you choose the right neighborhood.

When you are ready, our professional mortgage team is here to help you finance the home of your dreams.

Filed Under: Home Buyer Tips Tagged With: Buying A Home, Home Buyer Tips, Real Estate Tips

Four Mistakes to Avoid When Making an Offer for Your Dream Home

September 2, 2026 by Deidre Pfeifer

Four Mistakes to Avoid When Making an Offer for Your Dream HomeYou’ve scoured the new home listings, been to all the open houses and have finally found the home of your dreams. It is now time to draft an offer and begin the negotiation process. Below we’ll share four mistakes that you will want to avoid when making an offer on your dream home.

Mistake #1 – Not Working With A Professional

The first mistake that home buyers make is trying to buy a home without using the services of a real estate professional. Buying a home is a significant financial transaction and one where the seller and their agent are working hard to ensure they come out ahead. Having experienced representation on your side of the table ensures that you won’t be taken advantage of.

Mistake #2 – Skipping The Home Inspection

The second mistake – and one that is more common than you think – is skipping the home inspection. There are countless instances of home buyers thinking that the house looks great on the outside without realizing that there are issues with the roof, the foundation, the plumbing, inside the walls or some other area that’s tough to see. Having the house professionally inspected before tabling an offer ensures that issues are fixed up before the transaction is complete. Alternately, if you’re willing to move ahead regardless, you can ask for the price to be reduced as compensation.

Mistake #3 – Not Being Pre-Approved For Financing

The third mistake in our list is making an offer on a home without being pre-approved for the amount of mortgage financing you will need. Regardless of how good your credit is, the mortgage application process is one that can present challenges. Also, many home sellers will require evidence of financing pre-approval before accepting an offer, so it’s best to come prepared.

Mistake #4 – Taking On Other Debts

Once you’ve decided on the home you want to purchase, you will want to avoid taking on any other debts which can affect your credit score. Don’t buy a car, open any new credit cards or do anything else which will show up on your credit report. Once you are pre-approved for your mortgage, you’ll want to keep your credit as spotless as possible to ensure that nothing goes wrong.

If you’re prepared and clear-headed, the offer process will go smoothly and you’ll soon be moving into your dream home. When you’re ready to explore local real estate options, contact your trusted real estate professional.

Filed Under: Home Buyer Tips Tagged With: Buying A Home, Home Buyer Tips, Real Estate Tips

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Deidre Pfeifer

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