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ADVERTISING SUPPLEMENT Want to Have More Peak Experiences? SOUTHLAND RECIONAL AssociAmoN or RALTO hc SANTA CLARITA DIVISION 2020 Kics HHolicay Porty Southiand Regional Aosociation of Reators By Nancy Trovel Camahan, President, and David Waller It begins with the breath. Then, little rituals reinforce the foun- dation. Soon enough, peak per- formances become common. Life takes on added zest. SOUTHLAND REGIONAL AssoCIATION OF REALTORS', INC. Strengthen your Christmas Spirit by glving to others thie Holday Seasori Voice of Real Estate 2020 The 51 Realtors who listened to the presentation knew that life is not that simple, yet a few among them who had already heard and followed Barry Eisen's advise told tales of new achieve- ments, lives transformed. Eisen said he has helped dozens of athletes hit and maintain peak perfor mance and delivered more than 7,500 presentations, On a recent Zoom call arranged by the Southland Regional Association of Realtors, Eisen offered real estate office owners and managers tips and techniques on how to survive and thrive in life and in real estate, es- pecially during these challenging times of the COVID-19 pandemic. Improving the quality of life can get a boost by something as simple, yet 1920 and fosters a sense of peace. "Breathing in through the nose is preferable, is a healthier way to go Eisen said. "This little trigger, this little anchoring technique, even during moments of stress, can make you calm, confident, relaved." "It's a little ritual. .. It costs nothing,"he said, "Yet, if you do it for a week or two multiple times a day, you'll see a rhythm develop, a flow, and you will be able to be calm throughout." Whether running a marathon or delivering a real estate presentation, returning to the breath can work wonders. Otber tips for transform- pesk perfornance coach ing and getting more out of life induded When presented with a list of things that must be done, do the hardest thing first. Doing the little stuff first might yield fatigue, a brain fog, that may make the big stuff feel Help bring joy to a child during this Christmas Season. Seh Pk overwhelming. Maintain a regular sleep schedule. "Quality sleep is essential," Eisen said. "It ensures your biorhythm, circadian rhythm, remain the We are seebing monetary donations to provide presents to Socioeconomically disadvantaged children from our local Newhall School District. Contact Erika ot Nancy Trowel Camahan, SRAR 2020 Presidert 661-510-3136 same. Por more info Eat well! He praised the Mediterranean diet: "What's good for the heart is good for the brain." · Exercise! Do something relatively acrobic, a little more today than yesterday, even more next week. But be consistent. Before going to sleep every night, write a gratitude Donations needed by December 10. Print name as it appean on creditcard Cirde One MC VISA DISCOVER AMERICAN EXPRESS Total amount $ Cede Card Number Ep. Date Honth Security Code Year Biling Zip Code Iauthorian SRAR to charge the above total to the above credit card immedately upon eceipt of this form Authotzed Signatu Bary Loen, personal development, list. Leam something new. "Age has little to do with Crede sard the made ot to S fardohon accepted tral orm te becyotrar com bor spontorihpe tax dedvchbie SAAR Chartabe Fondatan Sos osese Or va vrme to serd drecty te tra Send derahaiorch-ord potent, as nose breathing. your capacity to learn." Relax! FHypnosis is the deepest form of relaxation without use of drug additives. Breath. When distressed, all it takes is 20 or 30 seconds of diversion to allow the mind to get to a better place. "Those who throw a pity party for themselves," he said, "don't see a way out." Life is a patchwork quilt. "It's about your mindset," he said. "What are the directions you're giving yourself." For more insight, go to Bar- ryEisen.com. Yogis know it as pranayana. It con- mects the mind and body, draws more oxygen into the lungs, purges toxins, FHFA Raises 2021 Loan Limits The Federal Housing Finance Agency recently announced an increase in the 2021 conforming loan limit for mortgages ac- quired by Fannie Mae and Freddie Mac. The new limit will be a cap up to $822,375 in high-cost areas, such as many areas of California, up from the previous loan cap of $765,600. Realtors commended "the FHFA for recognizing California's record-setting home price increases during this past year and raising maximum conform- ing loan limits, which will give tens of thousands of California homebuyers a chance at homeownership, said Dave Walsh, president of the California Association of Realtors. "Increasing the existing Fannie Mae and Freddie Mac conforming loan limits will greatly benefit higher-priced areas of the state and provide stability and certainty to the housing market." Realtors have long advocated for making higher conforming loan limits permanent. As a result of C.A.R.'s and the National Association of Realtors efforts, cities with high median home prices have benefited from a loan limit above the national conforming koan limit. The conforming loan limit detemines the maximum size of a mortgage that government-sponsored enterprises Fannie Mae and Freddie Mac can buy or "guarantee."Non-conforming or "jumbo loans" typically have tighter un- derwriting standards and sometimes carry higher mortgage interest rates than conforming loans, increasing monthly payments and hampering the ability of families in California to purchase homes by making them less affordable. Leading the Way . Home! Housing Affordability Fund This is officially the Giving Season and Giving Tuesday was the season's biggest day! Even in these difficult time, the Califor- nia Association of Realtors' Housing Affordability Fund this year raised over $325,000. Here's where those dollars went: $50,000 grant program for active duty teachers, health care workers, fire and police personnel who are first time HAF military, The Southland Regional Association of Real tors is a local trade association with more than 10,300 members serving the San Fer nando and Santa Clarita Valleys. SRAR is one of the largest local associations in the nation. HOUSING AFIORDABILITY PUND homebuyers: $50,000 in grants to offer a fire insurance premium for first time homebuyers; $50,000 grant program for public employees who are first time homebuyers with closing cost assistance: $50.000 grant program to help veterans & active duty personnel with clos- ing costs: $30.000 for a downpayment assistance program for first time homebuyers; $50,000 grant program to help first time homebuyers with closing costs. Since its inception, thousands of first time homebuyers have received help from HAF and from the Southland Regional Association of Realtors Charitable Foundation solety because of the determination and generosity of Realtor members. Join us in the giving fun and donate at carhaf.org. Interest Rate Update As reported by Freddie Mac on: November 25 30-Yr FRM 2.72% 15-Yr FRM 2.28% November 19 30-Yr FRM 2.72% 15-Yr FRM 2.28% THE VOICE OF REAL ESTATE IN THE SAN FERNANDO AND SANTA CLARITA VALLEYS www.SRAR.com | Real Estate Questions? E-mail Nancy Troxell Carnahan, SRAR 2020 President, c/o DavidW@SRAR.com REALTORS is a federally registered collective membership mark which identifies a real estate professional who is a Member of the NATIONAL ASSOCIATION OF REALTORS and subscribes to its strict Code of Ethics. ADVERTISING SUPPLEMENT Want to Have More Peak Experiences? SOUTHLAND RECIONAL AssociAmoN or RALTO hc SANTA CLARITA DIVISION 2020 Kics HHolicay Porty Southiand Regional Aosociation of Reators By Nancy Trovel Camahan, President, and David Waller It begins with the breath. Then, little rituals reinforce the foun- dation. Soon enough, peak per- formances become common. Life takes on added zest. SOUTHLAND REGIONAL AssoCIATION OF REALTORS', INC. Strengthen your Christmas Spirit by glving to others thie Holday Seasori Voice of Real Estate 2020 The 51 Realtors who listened to the presentation knew that life is not that simple, yet a few among them who had already heard and followed Barry Eisen's advise told tales of new achieve- ments, lives transformed. Eisen said he has helped dozens of athletes hit and maintain peak perfor mance and delivered more than 7,500 presentations, On a recent Zoom call arranged by the Southland Regional Association of Realtors, Eisen offered real estate office owners and managers tips and techniques on how to survive and thrive in life and in real estate, es- pecially during these challenging times of the COVID-19 pandemic. Improving the quality of life can get a boost by something as simple, yet 1920 and fosters a sense of peace. "Breathing in through the nose is preferable, is a healthier way to go Eisen said. "This little trigger, this little anchoring technique, even during moments of stress, can make you calm, confident, relaved." "It's a little ritual. .. It costs nothing,"he said, "Yet, if you do it for a week or two multiple times a day, you'll see a rhythm develop, a flow, and you will be able to be calm throughout." Whether running a marathon or delivering a real estate presentation, returning to the breath can work wonders. Otber tips for transform- pesk perfornance coach ing and getting more out of life induded When presented with a list of things that must be done, do the hardest thing first. Doing the little stuff first might yield fatigue, a brain fog, that may make the big stuff feel Help bring joy to a child during this Christmas Season. Seh Pk overwhelming. Maintain a regular sleep schedule. "Quality sleep is essential," Eisen said. "It ensures your biorhythm, circadian rhythm, remain the We are seebing monetary donations to provide presents to Socioeconomically disadvantaged children from our local Newhall School District. Contact Erika ot Nancy Trowel Camahan, SRAR 2020 Presidert 661-510-3136 same. Por more info Eat well! He praised the Mediterranean diet: "What's good for the heart is good for the brain." · Exercise! Do something relatively acrobic, a little more today than yesterday, even more next week. But be consistent. Before going to sleep every night, write a gratitude Donations needed by December 10. Print name as it appean on creditcard Cirde One MC VISA DISCOVER AMERICAN EXPRESS Total amount $ Cede Card Number Ep. Date Honth Security Code Year Biling Zip Code Iauthorian SRAR to charge the above total to the above credit card immedately upon eceipt of this form Authotzed Signatu Bary Loen, personal development, list. Leam something new. "Age has little to do with Crede sard the made ot to S fardohon accepted tral orm te becyotrar com bor spontorihpe tax dedvchbie SAAR Chartabe Fondatan Sos osese Or va vrme to serd drecty te tra Send derahaiorch-ord potent, as nose breathing. your capacity to learn." Relax! FHypnosis is the deepest form of relaxation without use of drug additives. Breath. When distressed, all it takes is 20 or 30 seconds of diversion to allow the mind to get to a better place. "Those who throw a pity party for themselves," he said, "don't see a way out." Life is a patchwork quilt. "It's about your mindset," he said. "What are the directions you're giving yourself." For more insight, go to Bar- ryEisen.com. Yogis know it as pranayana. It con- mects the mind and body, draws more oxygen into the lungs, purges toxins, FHFA Raises 2021 Loan Limits The Federal Housing Finance Agency recently announced an increase in the 2021 conforming loan limit for mortgages ac- quired by Fannie Mae and Freddie Mac. The new limit will be a cap up to $822,375 in high-cost areas, such as many areas of California, up from the previous loan cap of $765,600. Realtors commended "the FHFA for recognizing California's record-setting home price increases during this past year and raising maximum conform- ing loan limits, which will give tens of thousands of California homebuyers a chance at homeownership, said Dave Walsh, president of the California Association of Realtors. "Increasing the existing Fannie Mae and Freddie Mac conforming loan limits will greatly benefit higher-priced areas of the state and provide stability and certainty to the housing market." Realtors have long advocated for making higher conforming loan limits permanent. As a result of C.A.R.'s and the National Association of Realtors efforts, cities with high median home prices have benefited from a loan limit above the national conforming koan limit. The conforming loan limit detemines the maximum size of a mortgage that government-sponsored enterprises Fannie Mae and Freddie Mac can buy or "guarantee."Non-conforming or "jumbo loans" typically have tighter un- derwriting standards and sometimes carry higher mortgage interest rates than conforming loans, increasing monthly payments and hampering the ability of families in California to purchase homes by making them less affordable. Leading the Way . Home! Housing Affordability Fund This is officially the Giving Season and Giving Tuesday was the season's biggest day! Even in these difficult time, the Califor- nia Association of Realtors' Housing Affordability Fund this year raised over $325,000. Here's where those dollars went: $50,000 grant program for active duty teachers, health care workers, fire and police personnel who are first time HAF military, The Southland Regional Association of Real tors is a local trade association with more than 10,300 members serving the San Fer nando and Santa Clarita Valleys. SRAR is one of the largest local associations in the nation. HOUSING AFIORDABILITY PUND homebuyers: $50,000 in grants to offer a fire insurance premium for first time homebuyers; $50,000 grant program for public employees who are first time homebuyers with closing cost assistance: $50.000 grant program to help veterans & active duty personnel with clos- ing costs: $30.000 for a downpayment assistance program for first time homebuyers; $50,000 grant program to help first time homebuyers with closing costs. Since its inception, thousands of first time homebuyers have received help from HAF and from the Southland Regional Association of Realtors Charitable Foundation solety because of the determination and generosity of Realtor members. Join us in the giving fun and donate at carhaf.org. Interest Rate Update As reported by Freddie Mac on: November 25 30-Yr FRM 2.72% 15-Yr FRM 2.28% November 19 30-Yr FRM 2.72% 15-Yr FRM 2.28% THE VOICE OF REAL ESTATE IN THE SAN FERNANDO AND SANTA CLARITA VALLEYS www.SRAR.com | Real Estate Questions? E-mail Nancy Troxell Carnahan, SRAR 2020 President, c/o DavidW@SRAR.com REALTORS is a federally registered collective membership mark which identifies a real estate professional who is a Member of the NATIONAL ASSOCIATION OF REALTORS and subscribes to its strict Code of Ethics.