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Welcome to the Susquehanna Valley situated on the border of central and northeastern Pennsylvania and this area's most comprehensive real estate web site. Here you will be able to find all sorts of useful information within one easy source so take your time and enjoy!
 
We are a strong, vibrant and global real estate family. We strive every day to deliver unsurpassed market intelligence and insights, and use our strengths to help you successfully buy and sell real estate. We embrace your goals and are committed to achieving them. The award winning company and agents of CENTURY 21 Covered Bridges Realty, Inc. offer the most complete real estate service to our clientele with a truly visionary approach to high tech marketing and skills. We have served the real estate needs of Columbia, Montour, and lower Luzerne counties and surrounding areas for 34 years and look forward to providing you with the finest quality service unmatched by our competitors. Browsing through this site will allow you to explore our region along with community information, demographics, schools, medical facilities, area attractions plus much, much more. 
  
With our search the MLS, we give you direct access to all the properties available in a five county area, as well as new listings, featured properties, single property websites, and virtual tours. Upon e-mail request, we can also send you all new listings within your search criteria immediately as they become available with e-mail alerts so you won’t miss the "right" property.
 
Also available are valuable articles and information regarding buying, selling, home improvement, free reports, tax planning, as well as up to the minute news and weather from various media sources. In addition, the real estate resource center and blog are updated daily with real estate articles and answers to thousands of consumer’s questions about the buying and selling process.
 
If you are a first time buyer, experienced investor, or anything in between, you will find priceless information on our site about how to choose the right property, making an offer, negotiating, financing, mortgage rates, moving, and everything involved in making an informed decision in today’s real estate marketplace. 


In addition to all the information we have available for buyers, we also provide up-to-date information for sellers. If you are considering selling your property, this site offers dozens of articles about preparing your home for sale, choosing the right agent, appropriate pricing, effective marketing, the inspection process, and the importance of a market evaluation.
 
Thank you for visiting our online real estate website. We hope you enjoy our site and find everything you are looking for and more. We will look forward to hearing from you, so we can help you with all your real estate needs. Be sure to visit us often!

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CENTURY 21 Covered Bridges Realty, Inc.
Bloomsburg: 570-784-2821

Benton: 570-925-0210

Testimonials

Did a fantastic job staying on top of things and keeping me informed. Answered questions day/night. Very easy to work with. Knowledgable of every aspect of purchase. Recommend to anyone. Brandon - Bloomsburg
Kim was very helpful with the process as we had just left for vacation when negotiations ended. Everything was handled through email and went smoothly from start to finish. My husband and I were able to relax and enjoy our vacation. Sylvia R. (Seller)
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Real Estate News

Latest in Housing News and Tips for Home Ownership

Breaking Down the Hottest Patio Trends This Summer

Summer patio season is ramping up. The experts at Infratec say that outdoor design trends for 2018 are all about incorporating affordable luxury into your own backyard by turning your patio into a peaceful, lush oasis through low-maintenance water fixtures, a color refresh and vintage materials.

The company sees many homeowners gravitating toward easy-maintenance exterior garden designs that enhance physical and mental wellbeing with spa-inspired touches, like meditation benches, fountains, reflecting pools, rock waterfalls and zen gardens.

According to Infratec, low-maintenance water features can add visual interest and soothing sounds to a yard—even in drought-prone climates—because they actually require little water (and recycle the water they do use).

Kate Simmons at Decoist.com says cabana stripes can be found in this year’s collections, and this trend shows no sign of fading. She says that linen, teak and rope are a few of the materials designers are incorporating into exterior furnishings and accessories to give this year’s easy-breezy trend pizazz.

When it comes to outdoor style this year, Simmons says pink is the accent color of choice, especially if a hint of blush is introduced into your furniture vignettes.

Meanwhile, at FamilyHandyman.com, trend watchers are seeing patio furniture that mixes materials, such as metal and wood, instead of a single material, such as wicker.

If you have a covered deck or patio, the site says you can bring it up-to-date by adding a ceiling fan. If you haven’t installed a ceiling fan before, rest easy—you can do it yourself in less than a day, and you’ll be comfortable even on the hottest summer days.

FamilyHandyman.com also says that the days of small, bistro-style dining tables on the deck and patio are over, and that large-scale square and rectangular tables are hot.

As far as accessories are concerned, think bright and bold when it comes to fabrics for your patio furniture cushions in 2018. Go with yellows, reds and pinks that will pop against all that natural greenery, and your guests will be raving about your impeccable sense of style all summer long.

For the latest real estate news and trends, bookmark RISMedia.com.

The post Breaking Down the Hottest Patio Trends This Summer appeared first on RISMedia.

Is Amazon Embarking on Home Insurance?

July 16 is Prime Day, and this year’s deals feature double discounts on Alexa-enabled smart home devices, including Echo, Fire TV and Fire tablets, Amazon reports. As the marketplace giant gets more and more involved in the lives of homeowners, could consumers start to see offshoots into other home-related services?

Amazon-run home insurance could be the company’s next endeavor, according to The Information, a technology website. Although Amazon has not yet provided concrete evidence for insurance plans, it would make sense due to the company’s most recent partnerships. From plans to create a line of robots to be used as homeowners’ personal assistants, to the latest collaboration with Lennar showrooms to promote its line of smart home products, Amazon is already deeply entrenched in the lives of homeowners.

The alleged reason for this possible next phase in Amazon’s services? The company’s various tech products could help monitor for dangers such as burglaries and fires, resulting in more affordable premiums, reports The Information. Amazon has already made moves into the healthcare industry to build out its medical supply business, so an insurance division isn’t outside the realm of possibility.

If Amazon did form its own insurance division, what would it look like? In order to beat out the competition, there may have to be a sizable price difference in premiums and an added catch for consumer convenience. A traditional financial model may not be feasible for a company that needs to juggle its Prime audience base, along with several other technological innovations, to stay relevant.

However, this could be more of a partnership than a foray into its own segment of home insurance. Since regulations vary by state, it would be difficult for Amazon to establish a national presence under its own umbrella without investing an abundance of time and money to maintain a legally intricate service. Another concern? Amazon would need to have the necessary funds available to create a pool of reserves for any upfront claims payments.

In order to cut costs, Amazon may be able to sell consumer information it gathers from its smart home devices—in December alone, the installed base of Amazon Echo devices in the U.S. amounted to 31 million units, according to Statista. This way, the company would be able to barter data in order to profit from already-established insurance institutions and further negotiate consumer discounts, similar to the way insurance companies currently provide credits to homeowners who have security systems installed at their properties.

According to Statista, the global smart home market will reach an estimated value of over $53 billion in the U.S. by 2022. Will future homes be run by Amazon? It’s starting to look that way.

Dominguez_Liz_60x60_4cLiz Dominguez is RISMedia’s associate content editor. Email her your real estate news ideas at ldominguez@rismedia.com. For the latest real estate news and trends, bookmark RISMedia.com.

The post Is Amazon Embarking on Home Insurance? appeared first on RISMedia.

Buyers: Challenged by Student Debt? Consider Down Payment Programs

Student loan debt is one of the biggest factors impacting millennials’ ability to purchase a home. According to the National Association of REALTORS® (NAR), 80 percent of millennials do not own a home, and, of that, 83 percent say student loan debt is impacting their ability to buy. Millennials expect to be delayed from home-buying for a median of seven years, the NAR research shows.

There are alternatives, however, that millennials may not know about. In fact, according to a 2016 ATTOM Data Solutions survey, few buyers and real estate agents know about the close to 2,500—mostly local—down payment assistance programs. Across the 513 counties surveyed in the ATTOM Data Solutions report, buyers that used these programs saved, on average, $17,766 over the life of their loan.

From offerings that benefit first-time homebuyers to options for refinancing costly student loan interest rates, it’s important that today’s homebuyer is aware of all the viable options for purchasing a home.

What’s Out There?
For consumers who are having trouble saving for a large enough down payment, there are plenty of options that offer grants or down payment assistance. The National Homebuyers Fund (NHF), for example, has multi-state Down Payment Assistance (DPA) programs that offer closing assistance or down payment grants for up to 5 percent of the loan amount.

The U.S. Department of Agriculture (USDA) also has low- and no-down payment options via its Single Family Housing Guaranteed Loan Program, which assists lenders in offering low- and moderate-income households with purchasing opportunities in rural areas, for which closing costs and other related expenses can be rolled into the loan.

Additionally, there are more localized options available on a state-by-state basis. Here are a few examples:

  • Baltimore, Md./Washington, D.C. – The Maryland Mortgage Program offers a discounted mortgage rate and up to $5,000 in down payment assistance when consumers purchase in a sustainable community.
  • Ohio Grants for Grads offers reduced-rate mortgages for first-time homebuyers who’ve earned their associate, bachelor, master or doctorate degrees within the last four years.
  • Rhode Island – The First Down Program allows first-time homebuyers to purchase a one- to four-family home or condominium with down payment assistance of $7,500, forgivable after five years of owning the home as a primary residence.

More and more companies are introducing homebuyer assistance programs to tackle the student loan debt challenge that many of today’s buyers are facing, as well; however, buyers and agents should first consult a financial expert before participating in or recommending these programs. For example, the student loan cash-out refinance that multiple lenders offer, which allows homebuyers to use their equity to pay off high-interest student loans, may not make as much financial sense with the introduction of the new tax bill. as home equity financing is no longer tax-deductible.

With other incentive programs, such as the Eagle Home Mortgage’s Student Loan Debt Mortgage Program, homeowners can pay off outstanding student loan debt (up to $13,000 for this specific program) by redirecting 3 percent of their purchase price to student debt payoff when buying a new home from the home builder. Buyers should carefully assess whether these programs are financially worthwhile.

These are just a sampling of the available down payment assistance and grant programs that can help consumers with high student loan debt achieve their homeownership dream. It’s imperative that real estate agents research these offerings in order to assist consumers who believe homeownership is still out of reach.

Dominguez_Liz_60x60_4cLiz Dominguez is RISMedia’s associate content editor. Email her your real estate news ideas at ldominguez@rismedia.com. For the latest real estate news and trends, bookmark RISMedia.com.

The post Buyers: Challenged by Student Debt? Consider Down Payment Programs appeared first on RISMedia.

Millennial Buyers Face a Tough Housing Market

(TNS)—Yvonne Jimenez Smith and her husband, Brandon Smith, spoke in whispers recently as they visited a white stucco house they planned to buy on a leafy street in San Jose, Calif.

After six months of aggressive hunting, they were on their way to a small suburban home of their own after spending most of their 20s in noisy city centers.

“It was so quiet, it just seemed weird to speak out loud,” Jimenez Smith says. “We lived over a freeway entrance in San Francisco. It was always loud and we were always surrounded by people. It’s a big change.”

Like the couple from San Francisco, who are 28 and 30, other millennials are starting to follow in the footsteps of earlier generations and buy suburban houses after fueling a boom in city apartments. The share of 25- to 35-year-olds who own homes, which had been falling since 2005 as renting grew in popularity, rose slightly in 2017, according to a Stateline analysis of Census microdata from IPUMS-Current Population Survey.

Last year 32.3 percent of young people were homeowners, a slight increase from 2016 when it was 32.2 percent. That’s still well below the 45 percent in 2005 and the peak of 55 percent in 1980.

Millennials are hitting the market at a difficult time, though, with rising prices and few houses to buy as the housing industry has shifted to building more downtown rentals. Some people seeking to buy houses have been discouraged and have postponed the step, just as many have had to put off moving out of parents’ houses, forming couples and having children as they tried to build careers delayed by the recession.

Between 2011 and 2017, home prices grew 48 percent, while income for all age groups rose only 15 percent, according to National Association of REALTORS® (NAR) statistics.

“It just feels irresponsible right now,” says Jayme Fraser, a 28-year-old freelance journalist who considered buying a house in Missoula, Mont., three years ago but found prices too high. She and her husband, who is in graduate school, are now looking for a more rural home in Montana they can afford to buy while paying off student debt.

Student debt is a big obstacle to buying a home for many millennials, says Jessica Lautz, director of Demographics at NAR. The median student debt for millennials is $41,000, and they typically put off buying their first home for seven years after they wanted to buy, Lautz says.

Young people with college debt typically spend close to half of their income on loan payments, according to a 2017 study in The Journal of Consumer Affairs. This makes it almost impossible to qualify for a home mortgage with a small down payment.

“Contrary to popular opinion, millennials are not buying avocado toast instead of saving for a down payment; they’re paying their student debt,” Lautz says. “Somebody with $41,000 in student debt is going to be buying something far away with a long commute, or in a bad school district, or something too small. They’re not going to be able to stay there for long.”

Thirty-two is the median age for first-time homebuyers, according to a survey by NAR. That means many first-time buyers are squarely in the millennial generation, the oldest of whom reached their mid-30s in 2017.

The apparent increase in ownership in 2017, the first since 2005, was so tiny that it’s hard to say if the trend toward less buying and more renting is really over, says Chris Porter, chief demographer for California-based John Burns Real Estate Consulting.

Ownership is still “considerably lower than 10 years ago,” Porter says. “We may need another year or two of data to understand whether this is truly a reversal.”

Some young people who could buy houses are still on the sidelines, like Connor Coyle and his fiancée, Amy Branchini, both in their late 20s. Coyle, who works in wealth management, moved a few years ago from Manhattan to suburban Westchester County, N.Y., where he rents an apartment.

“Both of us were at the point where we wanted to get out of the city and live a more relaxed lifestyle,” Coyle says. The couple is ready to stop renting and own a house, but they just haven’t seen a house they love in their $500,000 price range.

“If we end up renting for another three years, that’s OK,” Coyle says. “What you’re getting for your money right now, to my mind, is subpar. Maybe in a few more years we can get something in the $600,000 to $700,000 range, and it will make more sense—we won’t have to put in $100,000 in renovations.”

In some expensive states, such as Hawaii, California and New York, and the District of Columbia, fewer than one in five millennials is a homeowner, according to the Stateline analysis. But in Iowa, the Dakotas and Minnesota, it’s close to half.

Today’s first-time buyers are increasingly living in ad hoc situations while they save, Lautz says, citing a survey from NAR. Twenty-one percent lived with parents, relatives or friends before buying in 2017, up from 12 percent in 1993.

Stateline’s analysis showed that the share of 25- to 35-year-olds in ad hoc situations, neither renting nor owning, has grown steadily from 21.2 percent in 2012 to 24.2 percent in 2017. Most in those situations are living with parents or other relatives.

A shortage of housing for sale is also driving prices up in some booming areas such as the San Francisco metropolitan area, where Jimenez Smith and her husband work and live. The area has added 189,000 jobs in the past three years, but only 14,000 housing units—the largest discrepancy in the nation, says Lawrence Yun, economist for NAR.

Other areas facing similar crunches are Boston, Washington, Orlando, Fla., Phoenix and Chicago, he says.

Even so, 25- to 34-year-olds are likely to insist they want to own a home in the future, according to the NAR survey.

The San Francisco couple felt the pressure to buy because their rent was rising and they were afraid that the price of a house would soon outstrip their income, even though they already could afford a $4,000 monthly mortgage and had saved about $150,000 for a down payment. Smith is a video graphics programmer for Apple, and Jimenez Smith is a policy aide for the Santa Clara County Board of Supervisors.

But in six months of shopping, they lost bidding wars again and again. Once they bid $350,000 for an empty lot with the facade and rubble of a burned-down home, figuring they could build a new home there for another $250,000. But someone else offered $480,000 for the same lot and is now trying to sell it for even more.

The couple feels lucky to have bought a modest two-bedroom house with 1,000 square feet of living space from a seller who turned out to be an acquaintance and helped them by accepting an offer matching the highest bid, not exceeding it.

“We were going through disclosures and praying it would appraise right,” Jimenez Smith says. “Fortunately, it did appraise right at $795,000.”

There were other scares. The couple had been counting on a new transit stop in the neighborhood that would have allowed Smith to commute to San Francisco, a doable but grinding hour and 40 minutes each way. The new stop was delayed, but Smith got his new job at Apple, about a half-hour away in Cupertino.

“Sometimes we worry that this is the top, that prices will go down, but our bigger worry was what if it goes up?” Jimenez Smith says. “If it went up to $900,000, we’d never be able to buy a house.”

©2018 Stateline.org
Distributed by Tribune Content Agency, LLC

For the latest real estate news and trends, bookmark RISMedia.com.

The post Millennial Buyers Face a Tough Housing Market appeared first on RISMedia.

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CENTURY 21 Covered Bridges Realty, Inc.   |   570-784-2821   |   570-925-0210

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