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5 Real Estate Myths in Kelowna, Busted

Real estate is full of misconceptions, and a few persistent ones can skew expectations or cost you opportunities. Whether you are buying your first home, selling, or investing, it helps to separate fact from fiction before you make a decision. Here are five of the most common real estate myths, and the reality behind each.

Myth 1: You must put 20 percent down to buy a home

A 20 percent down payment is not always required. In Canada, for a home priced under $500,000, the minimum is 5 percent. For a home between $500,000 and $999,999, it is 5 percent on the first $500,000 and 10 percent on the portion above that. Homes priced at $1 million or more do require 20 percent down, and that applies to everyone, from first-time buyers to seasoned purchasers. Knowing where your price range falls is an important early step in planning a purchase.

Myth 2: The best time to sell is spring

The market does have a seasonal rhythm, with more activity in spring and summer, but the best time to sell is more personal than the calendar suggests. Selling in the fall or winter can mean less competition, and the buyers who are active in those months tend to be serious and often working to a deadline. The same logic applies on the buying side, which we explore in when is the best time to buy a home in Kelowna. The right timing depends on your situation and the current market more than on the season.

Myth 3: All real estate agents are the same

Agents vary widely in experience, local knowledge, niche expertise, and the way they work with clients. That difference matters, because it shapes how well your home is positioned or how confidently you buy. It is worth knowing what to look for, which we cover in questions to ask when choosing a realtor, and it is the difference our real estate services are built around. The right fit is the one whose approach and expertise match what you need.

Myth 4: You cannot buy a home with a less-than-perfect credit score

A higher credit score helps and can secure a better interest rate, but a less-than-perfect score does not automatically rule out buying a home. There are mortgage options designed for a range of credit situations, and there are often practical steps you can take to strengthen your position before you buy. The key is getting clear advice early so you know where you stand and what is possible.

Myth 5: Home renovations always increase your home’s value

Not all renovations are created equal. Some updates add meaningful value, while others return little of what they cost, and over-improving for the neighbourhood can actually work against you. Before taking on a major project, it pays to know which improvements are worth it, which is exactly the question we answer in how to increase your home value before you sell. When you are preparing to list, our guide to preparing your home for sale helps you focus your effort where it counts.

Frequently asked questions

What is the minimum down payment to buy a home in Canada?
For a home under $500,000 it is 5 percent. Between $500,000 and $999,999 it is 5 percent on the first $500,000 and 10 percent on the rest. At $1 million or more, 20 percent is required.

Is spring really the best time to sell a home?
Not necessarily. Spring is busier, but selling in fall or winter can mean less competition and more serious buyers. The best timing depends on your circumstances and current market conditions.

Can I buy a home with a low credit score?
Often yes. A higher score helps with rates, but a lower one does not automatically disqualify you. There are options for various credit situations, and steps you can take to improve your position first.

The best decisions in real estate come from facts, not myths. If you would like clear, honest answers about your own situation, we are always glad to help you sort the two.

November 21, 2023
The Most Affordable Neighbourhoods in Kelowna

If you are buying in Kelowna on a budget, the good news is that the city is not all lakefront estates. Several neighbourhoods tend to offer more accessible price points while still putting you close to the lifestyle that brings people here. Here is a look at where buyers often find better value, and how to think about affordability across the region.

Rutland

On the east side of the city, Rutland has long been one of Kelowna’s more affordable and practical neighbourhoods, with a mix of housing types, established amenities, and good access across the city. It is a common entry point for first-time buyers and a steady choice for value.

West Kelowna and Westbank

Across the bridge, West Kelowna often offers more home for the money than comparable areas in Kelowna proper, with newer development, lake access, and a growing set of amenities. For many buyers, the short commute is a fair trade for the extra space.

Peachland and the edges

Smaller lakeside communities like Peachland, and outlying areas such as Ellison and Black Mountain, can offer relative value for buyers willing to trade a central location for more space, views, or a quieter setting. The further you look from the lakeshore and the core, the further your budget tends to stretch.

How to think about affordability

A few principles hold regardless of the month. Prices generally rise as you get closer to the lake and the central, established neighbourhoods, and ease as you move outward. Attached homes like condos and townhomes offer a more accessible entry than detached houses in almost every area; our guide to strata fees is worth reading if you go that route. Because prices shift, treat these as general patterns and check current numbers in our Kelowna real estate market update and against current listings.

Affordability is only part of the picture

The cheapest option is not always the best value. Commute, amenities, future growth, and how well an area fits your life all matter. It is worth weighing affordability against the most popular neighbourhoods and the areas to watch before you decide, and our living in Kelowna guides cover each area in detail.

Frequently asked questions

What is the most affordable neighbourhood in Kelowna?
Areas like Rutland, parts of West Kelowna, and outlying communities tend to offer more accessible price points than the central, lakeside neighbourhoods. The most affordable choice depends on home type and current conditions.

Is West Kelowna cheaper than Kelowna?
Often it offers more home for the money than comparable central Kelowna areas, though it varies by neighbourhood and property type. The short commute across the bridge is the main trade-off.

How can I buy in Kelowna on a budget?
Consider more affordable neighbourhoods, look at condos and townhomes rather than detached homes, and check current listings against the market, since value shifts over time.

There is a place in Kelowna for most budgets if you know where to look. If you would like help finding the best value for what you can spend, we are glad to point you in the right direction.

September 21, 2023
Who Lives in Kelowna? A Look at the Demographics

Who lives in Kelowna? Increasingly, the answer is “more people every year, from all over the country.” The Central Okanagan has been one of Canada’s fastest-growing regions, and understanding who is moving here, and why, tells you a lot about the community and the housing market. Here is a look at the demographics.

A fast-growing community

At the 2021 census, the Kelowna metropolitan area had a population of 222,162, up 14 percent from 2016. According to Statistics Canada, that made Kelowna the fastest-growing metropolitan area in the country, well ahead of the provincial average of 7.6 percent and the national average of 5.2 percent. Growth like that reshapes a city, and it explains much of the steady demand in the local market.

Who is moving here

Much of the growth comes from people moving in rather than from within, particularly from the Lower Mainland and Alberta. They come for the lifestyle and for more space than the coast offers at the price. The result is a community that is no longer just a retirement destination: it is a mix of families, professionals, remote workers, and retirees, drawn by the same lake-and-mountain setting for different reasons. Our look at whether Kelowna is a good place to live covers what brings them.

Growth across the region

The growth is not evenly spread, which is part of what makes local knowledge matter. Some communities in the Central Okanagan have grown far faster than others; Lake Country, for example, was among the fastest-growing municipalities in the country at the 2021 census. Each area has its own character and pace, which is why the right neighbourhood depends on the life you want. Our living in Kelowna guides break the region down.

What it means for the market

Steady population growth, driven by people choosing to move here, is one of the forces that supports home values over the long run, even through quieter months. It is also why inventory and demand can feel tight in the most sought-after areas. For how this plays out in current conditions, see our Kelowna real estate market update.

Frequently asked questions

What is the population of Kelowna?
At the 2021 census, the Kelowna metropolitan area had 222,162 residents, up 14 percent from 2016, making it the fastest-growing metropolitan area in Canada at that time.

Is Kelowna just a retirement town?
Not anymore. While it remains popular with retirees, the community is now a mix of families, professionals, and remote workers, reflecting the range of people moving to the region.

Why is Kelowna growing so fast?
Most of the growth comes from people relocating, especially from the Lower Mainland and Alberta, drawn by the lifestyle and by more home for the money than the coast.

The people moving to Kelowna are part of what makes it a strong place to own a home. If you are considering joining them, our complete relocation guide is the place to start, and we are glad to help you find your place here.

August 17, 2023
Is Kelowna a Good Place to Live?

Is Kelowna a good place to live? For most people who move here, the answer is yes, but the honest version is more useful than the brochure version. Kelowna offers a four-season lakeside lifestyle, a real economy, and more space for your money than the coast, with a few trade-offs worth knowing before you commit. Here is a candid look.

The lifestyle

Kelowna sits on Okanagan Lake with beaches, wineries, golf, and ski hills all within reach, and a climate that is among the mildest and sunniest in Canada. Summers are warm and long, winters are gentle compared with the prairies, and the outdoor life is genuinely year round. For people moving from colder or greyer parts of the country, the change of pace is the main reason they stay.

The economy and getting around

Kelowna is more than a holiday town. It has a growing technology sector, a regional hospital, the University of British Columbia’s Okanagan campus, and an international airport, which together support steady population and job growth. It is a small city, so the commute is short and the drive to a trailhead or a beach is shorter, which is a quality-of-life difference people feel quickly.

The value compared with the coast

Compared with Vancouver or Victoria, Kelowna offers a similar outdoor lifestyle for noticeably less, which is why so much of the demand here comes from the Lower Mainland and Alberta. You are not escaping BC prices entirely, but your budget goes further, especially once you look across the different neighbourhoods. For the current numbers, see our Kelowna real estate market update.

The honest trade-offs

No place is perfect. Summers bring tourists and traffic, and wildfire smoke can affect some weeks of the year. As a smaller city, the selection of jobs, schools, and services is narrower than in a major metro. None of this stops people from moving here in large numbers, but knowing it up front helps you choose the right neighbourhood and set the right expectations.

Who tends to love it here

Kelowna suits families wanting space and the outdoors, professionals and remote workers trading a long commute for a short one, and people relocating or retiring who want lake-country living without coastal prices. It is worth understanding the community first; our look at who lives in Kelowna covers the demographics, and our living in Kelowna guides break down the neighbourhoods.

Frequently asked questions

Is Kelowna a good place to live year round?
Yes. The summers are the headline, but the mild winters and the four-season recreation are what make it work as a permanent home rather than just a vacation spot.

Is Kelowna cheaper than Vancouver?
Generally yes. Housing in Kelowna is meaningfully more affordable than in Vancouver or Victoria, while offering a comparable outdoor lifestyle.

What are the downsides of living in Kelowna?
Summer tourism and traffic, occasional wildfire smoke, and a smaller selection of jobs and services than a big city. For many people the lifestyle more than offsets these.

If you are weighing a move, we are happy to give you a straight answer about the parts of Kelowna that fit what you are looking for. Our complete relocation guide is the place to start.

July 6, 2023
Kelowna’s Luxury Neighbourhoods: Where to Find High-End Homes

Kelowna’s luxury homes are concentrated in a handful of neighbourhoods, each offering its own version of the high-end Okanagan lifestyle. If you are searching for a luxury home here, knowing where to look saves time and tells you a lot about what your budget buys. Here is a guide to Kelowna’s luxury neighbourhoods.

Lower Mission and the lakeshore

Lower Mission is the heart of Kelowna’s established luxury market, prized for its beaches, mature streets, and proximity to the lake. The lakeshore areas, including the homes along Okanagan Lake, are where some of the city’s most sought-after waterfront properties are found. It is a natural starting point for buyers who want established prestige close to the water. See more on Lower Mission.

Upper Mission

Higher up, Upper Mission offers newer luxury homes with elevation and sweeping views over the lake and valley. It has become a favourite for buyers who want modern estates, privacy, and a commanding outlook, within easy reach of the Mission’s amenities.

McKinley Beach and the north shore

To the north, McKinley Beach has grown into a distinctive lakeside community, combining waterfront access, marina living, and newer high-end homes in a setting that feels apart from the city. It appeals to buyers who want a lake-focused lifestyle and contemporary build quality.

Waterfront across the region

Luxury is not confined to one side of the lake. Lakeview Heights and the waterfront communities of West Kelowna offer estates and lakefront homes with views back toward the city, often with vineyards close by. Wherever the water is, the high end follows; our waterfront real estate collection spans the region.

Choosing the right luxury neighbourhood

The right area depends on what you want luxury to mean for you: established prestige and beaches, a modern home with a view, a marina at your door, or a vineyard estate. Each neighbourhood delivers a different version of it, and price reflects setting and scarcity as much as the home itself, as we explain in what is considered a luxury home. For how to approach the purchase, see buying luxury real estate in Kelowna, and browse the current high end through our Kelowna luxury real estate collection.

Frequently asked questions

Where are the luxury neighbourhoods in Kelowna?
Lower Mission and the lakeshore, Upper Mission, and McKinley Beach are among the best known, along with the waterfront communities of Lakeview Heights and West Kelowna across the lake.

Which Kelowna neighbourhood has the most expensive homes?
The lakeshore and waterfront areas, particularly in Lower Mission and along Okanagan Lake, tend to hold the highest values, since waterfront is the scarcest and most prized setting.

Where should I look for a luxury home with a view?
Upper Mission and elevated parts of West Kelowna and Lakeview Heights are known for view properties, while the lakeshore offers waterfront rather than elevation.

Each of Kelowna’s luxury neighbourhoods offers a different lifestyle, and knowing them is the first step to finding the right one. We are glad to guide you through the high end of the market with the discretion it deserves.

March 24, 2023
Tips for Selling Your House for Top Dollar

Selling your house well is not about luck or a hot market. It is about a series of deliberate choices that, together, lift your final price. Here are the moves that consistently help a Kelowna home sell for more, drawn from what we see work.

Price it right from the start

The single biggest factor is an accurate list price. Homes priced to current comparable sales attract the most attention in the crucial first weeks; homes priced too high sit, go stale, and often sell for less than if they had been priced correctly to begin with. Start with an honest read of what your home is worth in today’s market.

Prepare and present the home

Declutter, clean, handle small repairs, and stage so buyers can picture themselves living there. Presentation and price work together, and our full guide to preparing your home for sale walks through the checklist. The goal is a home that feels cared for, because buyers pay more for confidence.

Invest in professional photography

Almost every buyer sees your home online before they see it in person, so the photos are your first showing. Professional images, and where it suits the home, video and aerial shots, are what turn a scroll into a visit. Skimping here costs you the very buyers who would have paid the most.

Make it easy to show

The more accessible your home is, the more offers it can attract. Be flexible with showing times, keep the home show-ready, and do not put barriers between motivated buyers and your front door. A home that is hard to see is a home that gets passed over.

Market it widely and price for momentum

Broad exposure across the major platforms brings more eyes, and more eyes can mean competing offers. Pricing slightly ahead of, not above, the market can build that momentum. For the conditions you are selling into right now, see the Kelowna real estate market update.

Consider a pre-listing inspection and negotiate from strength

A pre-listing inspection can remove surprises that derail deals later; we cover it in should you get a pre-inspection. And when offers come, skilled negotiation protects your price and terms, which is where having an experienced agent pays for itself. Our seller services bring these pieces together.

Frequently asked questions

What adds the most value when selling a home?
Accurate pricing and strong presentation, supported by professional photography and broad marketing. These consistently matter more than costly renovations.

Does professional photography really help?
Yes. Most buyers judge your home online first, so quality images directly affect how many people come to see it in person.

Should I price high to leave room to negotiate?
Usually no. Overpriced homes lose momentum in the important early weeks and often sell for less in the end. Pricing to the market attracts the strongest interest.

Getting top dollar is the sum of many small decisions made well. If you would like a tailored plan for your home, we are glad to put one together with you.

March 24, 2023
Why Investors Choose the Okanagan

The Okanagan has drawn real estate investors for years, and the reasons are more durable than any single market cycle. Steady population growth, a lifestyle that keeps demand high, and a diversifying economy give the region a solid long-term foundation. Here is why investors look to Kelowna and the Central Okanagan, and what to weigh before you buy.

Steady, migration-driven growth

The most important factor for an investor is demand, and the Okanagan has it. The region has been one of the fastest-growing in the country, fuelled by people relocating from the Lower Mainland and Alberta for the lifestyle and the relative value. That steady inflow supports both prices and rental demand over time; our look at who lives in Kelowna covers the growth in detail.

Lifestyle and economic drivers

Demand here is not only about housing. The lake, the wineries, the recreation, and the four-season appeal draw people and visitors year after year, while a growing technology sector, the university, and the regional hospital add stable, year-round employment. UBC Okanagan in particular underpins ongoing rental demand near the campus. A market supported by both lifestyle and real jobs is a more resilient one.

Know the rules before you buy

Investing well here means doing your homework on the specific property and the current rules. BC’s short-term rental regulations changed significantly, and in much of Kelowna you can no longer simply buy a condo to run as a full-time Airbnb; our guide to BC’s short-term rental changes explains what is and is not allowed. Strata bylaws can add further restrictions, and if you are buying a condo, the strata fees and reserve are part of the return. Confirm the rules for the exact property before you count on a given strategy.

Matching the property to the strategy

Different goals call for different properties. A long-term rental, a home in a growing area held for appreciation, or a property near the university each have a different profile. The right choice depends on your timeline, your tolerance for management, and the current market, so it pays to be clear on the strategy before you shop. Our Kelowna real estate market update sets the current context, and you can browse current listings with a strategy in mind.

Frequently asked questions

Is Kelowna a good place to invest in real estate?
It has long-term fundamentals that investors value: steady migration-driven demand, lifestyle appeal, and a diversifying economy. As with anywhere, returns depend on the specific property, strategy, and current rules, so do your homework.

Can I buy a condo in Kelowna to use as an Airbnb?
Often not in the way you could before. BC’s short-term rental rules restrict most short-term rentals to a principal residence in communities like Kelowna, and strata bylaws can restrict them further. Confirm the rules for the specific property.

What drives rental demand in the Okanagan?
Population growth, the lifestyle that keeps people moving here, employment from technology, healthcare, and tourism, and UBC Okanagan, which supports ongoing demand near the campus.

The Okanagan’s appeal to investors rests on real, lasting fundamentals, but the details matter. If you are considering an investment here, we are glad to help you weigh the options with clear, current advice.

March 23, 2023
Moving to British Columbia: What You Need to Know

Moving to British Columbia is a bigger adjustment than moving within a province, and a little preparation goes a long way. Whether you are coming from Alberta, Ontario, or further afield, here is an honest overview of what to expect: the lifestyle, the cost, the practical steps when you arrive, and where the Okanagan fits if Kelowna is on your list.

Why people move to British Columbia

BC’s draw is straightforward: mild weather by Canadian standards, the ocean and the mountains within reach, and an outdoor lifestyle that runs year round. The trade-off is cost. Housing in the most popular areas is among the most expensive in the country, which is part of why so many newcomers look beyond Vancouver to the Okanagan, where the lifestyle is similar and the prices are more grounded.

The cost of living

Housing is the line that varies most. Vancouver and Victoria sit at the top, while the Okanagan offers lake-and-mountain living for meaningfully less. Day-to-day costs like groceries, insurance, and fuel are broadly in line with the rest of the country. The honest way to budget is by the specific region you are targeting rather than a provincial average, because the gap between Vancouver and Kelowna is large.

Practical steps when you arrive

A few things are worth handling early. New residents should enroll in BC’s Medical Services Plan for health coverage, and drivers moving from another province need to switch to a BC licence within the first 90 days through ICBC. The province’s official newcomer resources are the best place for current details on health, licensing, and services, since these change from time to time.

Choosing where to live

BC is a province of distinct regions, and the right one depends on the life you want. The Lower Mainland is urban and fast paced. Vancouver Island is milder and slower. The Okanagan, in the southern interior, offers a four-season lifestyle around the lakes, with real winters that are far gentler than the prairies. If the Okanagan appeals, our complete guide to moving to Kelowna goes deeper, and you can explore the area through our living in Kelowna guides.

Frequently asked questions

Is BC an expensive place to live?
It can be, but it depends heavily on the region. The Lower Mainland and Victoria are the priciest; the Okanagan and the interior are more affordable while keeping much of the lifestyle.

How long do I have to get a BC driver’s licence?
New residents from another province are generally expected to switch to a BC licence within 90 days. Confirm the current process with ICBC.

Where is the best place to live in BC?
There is no single answer. It comes down to the balance you want between cost, climate, and lifestyle. Many people moving for space and four-season recreation at a more reasonable price look to the Okanagan.

If your move points toward the Okanagan, we are glad to help you get your bearings, from neighbourhoods to the local market. Start with our note on whether Kelowna is a good place to live.

February 28, 2023
Buying Luxury Real Estate in Kelowna: A Complete Guide

Buying luxury real estate in Kelowna is a different process from a standard purchase, and the differences are where mistakes get expensive. At the high end, value is less about a price per square foot and more about land, view, water, and craftsmanship, and the rules and taxes can shift the math. Here is how to approach it.

What counts as luxury in the Okanagan

Luxury here is defined by lifestyle as much as price: lakefront and lakeview estates, architectural homes in established neighbourhoods, and properties with the privacy, land, and finishes that are genuinely scarce. Because each of these homes is close to one of a kind, comparable sales are thinner and pricing is more art than formula. Our view on what the high end really means is in luxury in the Okanagan.

How luxury pricing works

Standard valuation leans on recent comparable sales. At the top of the market there are fewer of them, and the differences between two estates can be large, so pricing relies more on judgment, time on market, and an understanding of who the buyer is. A home can sit for a long time if it is priced to the owner’s hopes rather than the market, and the cost of that is real. This is the part of the market where local knowledge and patience earn their keep.

The taxes and rules to plan for

Two things matter most at the high end. BC’s Property Transfer Tax is tiered, rising to 3 percent on the value above 2 million dollars, with an additional 2 percent on the portion above 3 million, so the closing cost on a luxury home is significant and worth budgeting for early. If you are not a Canadian citizen or permanent resident, note the federal ban on purchases by non-Canadians, in effect until January 2027, and BC’s additional 20 percent transfer tax on foreign buyers, which applies in the Central Okanagan. These are areas to confirm with your realtor and a tax professional before you write an offer.

How to buy well at the high end

Get your financing or proof of funds in order early, because the best estates move on the strength of a clean, credible offer. Lean on local expertise to read the true value of land, view, and water, which is where the real money sits. Take the time to tour widely so you understand the small pool of comparable homes. When you are ready, our Kelowna luxury real estate and waterfront collections are the place to begin.

Frequently asked questions

How is luxury real estate priced differently?
With fewer comparable sales at the high end, pricing depends more on judgment about land, view, water, and finish, and on understanding the specific buyer, than on a simple price per square foot.

What taxes apply to a luxury home in BC?
BC’s Property Transfer Tax is tiered and reaches 3 percent above 2 million dollars, plus an additional 2 percent on the portion above 3 million. Foreign buyers face further restrictions and an additional tax.

Can a foreign buyer purchase luxury property in Kelowna?
A federal ban on most purchases by non-Canadians is in effect until January 2027, and BC adds a 20 percent transfer tax for foreign buyers in the Central Okanagan. Confirm your eligibility before proceeding.

Buying at this level rewards patience and local insight. If you are considering a luxury or waterfront home in Kelowna, we are glad to guide you through it with candour and discretion.

February 28, 2023
How to Prepare Your Home for Sale: A Seller’s Checklist

Preparing your home for sale is where a good result is won or lost, and most of it is within your control. In a market where buyers have choice, a home that is priced right and presented well still sells, while one that is not tends to sit. Here is a practical checklist for getting your Kelowna home ready.

Start with what your home is worth

Before anything else, get a clear, current sense of your home’s value, because everything else follows from a realistic price. An honest assessment based on recent comparable sales is the foundation; pricing to last year’s market is the most common and most expensive mistake. See what your home is worth and the current Kelowna market update for context.

Declutter and depersonalize

Buyers need to picture themselves in the space, which is hard to do around your belongings. Pack away the excess, clear the surfaces, and pare back personal photos and collections. A home that feels open and neutral photographs better and shows larger, and decluttering early also gets a head start on your own move.

Handle repairs and maintenance

Small flaws make buyers wonder what else has been neglected. Fix the dripping tap, the sticking door, the cracked tile, and the burnt-out bulbs. Touch up paint where it is scuffed. These are inexpensive fixes that remove doubts, and for bigger questions, some sellers choose a pre-listing inspection; we cover that in should you get a pre-inspection.

Clean, stage, and boost curb appeal

Deep clean everything, then stage to highlight the home’s best features and natural light. Staging does not have to be elaborate; even rearranging existing furniture to open up a room helps. Outside, the first impression starts at the curb, so tidy the yard, trim the landscaping, and make the entry welcoming. In the Okanagan, where lifestyle sells, showing the outdoor space at its best matters.

Get the presentation right

Most buyers meet your home online first, so professional photography is not optional. Make sure the home is show-ready before the photos are taken, because the listing images are what earn the in-person visit. For the wider set of moves that lift your final price, see our tips for selling your house for top dollar, and our seller services explain how we manage all of this for you.

Frequently asked questions

What should I do first to prepare my home for sale?
Start with a realistic price based on current comparable sales, then declutter and handle small repairs. Those three steps shape everything that follows.

Is staging worth it?
Usually yes. Even simple staging helps buyers picture themselves in the home and makes the space photograph better, which is where most buyers form their first impression.

Should I renovate before selling?
Not always. Minor repairs and cleaning almost always pay off; major renovations often do not return their cost. Ask for advice before spending on a big project.

Preparing well is the most reliable way to sell faster and for more. If you would like a walk-through and a candid list of what is worth doing on your home, we are glad to help.

January 1, 2023