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The high-spec, nature-connected townhomes reshaping Box Hill South lifestyles

Following successful stage one sales release, stage two of Wembley Hill has now launched, giving buyers a chance to live in this increasingly popular suburb.

In fact, buyers have been specifically searching for townhomes in Box Hill South, with realestate.com.au June 2025 figures showing a 16% jump in year-on-year searches.

Damien Hehir, development director, Golden Age Group, says buyers in this east Melbourne pocket are predominantly young families looking for spacious, low-maintenance housing within the Box Hill High School zone and close to local private schools like Kingswood College.

It also attracts young couples and professionals looking to upgrade from and transition from apartment living to lifestyle living.

“Box Hill South is emerging as a prime area to purchase and invest thanks to its leafy, family-friendly character, excellent schools, and strong community feel,” says Mr Hehir.

He says buyers are attracted to the mix of quiet suburban living and parks, along with easy access to shops, dining, and plenty of other essential amenities.

“It also benefits from spillover growth from neighbouring Box Hill’s transformation into a ‘second CBD’ with major infrastructure and business investment,” he says.

Stage two of Wembley Hill has just been released in the cherished Melbourne suburb of Box Hill South. Artist’s impression.

A vision of green

Developed by Golden Age Group, release two of Wembley Hill is called the Amber Collection and is designed to be a central part of the master-planned development. 

Wembley Hill prioritises green spaces and immersive nature, starting with the arrival streets that feature beautiful liquidambar trees complimented by an abundance of native shrubs and grasses.

The Amber Collection homes are surrounded by 13,000sqm of native greenery and expert landscaping by acclaimed firm TCL.

“The landscaping has been meticulously curated to enhance each residence and promotes and draws people to experience the scents, textures and tactile pleasures of connecting with nature,” says Mr Hehir. 

The greenery of the expansive grounds winds its way like a spine through the community and seamlessly connects to the adjacent KooyongKoot/Gardiners Creek trail.

“The site abuts the abundant woodland on the Gardiners Creek trail, a beautiful walking path and park for people to enjoy, where the creek line continues to be home to many established native trees,” he says.

Greenery and nature are an integral part of Wembley Hill’s carefully considered design. Artists’s impression.

Space and flexibility 

The 48 townhomes in the Amber Collection have been designed by Cox Architecture with versatile living in mind.

“They offer more room and flexibility than apartments, they are ideal for home offices, and growing or multigenerational families.”  

“Our townhomes are also more attainable and low maintenance than detached houses, especially for those wanting to be within the Box Hill High School zone and close to private schools such as Kingswood College,” says Mr Hehir.

Buyers can choose from two colour schemes crafted by interior designer MIM design.  

“The townhomes feature naturally light-filled interiors designed to give residents generous access to external views, sunshine, and ventilation,” he says.

The homes also focus on sustainability, with rooftop solar panels, provision for fast EV charging, energy-efficient heating and cooling, and filtered rainwater connection to irrigation and utilities.

Each of the 48 townhomes in Wembley Hill’s Amber Collection are designed for maximum light and space. Artist’s impression.

Inner east community connection 

While there will be plenty for residents to enjoy within the Wembley Hill masterplan, there is also a lot to embrace in the nearby area. 

Wembley Hill is located next to Wembley Park, Box Hill Soccer Club, and Box Hill Golf Club, making it easy to get involved in community activities.  

“The location is five minutes’ drive from the central hub of Box Hill and is in easy reach of high-quality community amenities and public transport,” says Mr Hehir.

The townhomes are within walking distance of the shopping precinct located on Middleborough Road, giving residents easy access to stores like Bunnings and Officeworks.

In addition to being near Box Hill High School, Wembley Hill is also near primary schools and childcare facilities. 

It is also moments away from two swimming pool facilities including the Surrey Park Swimming school on Middleborough Road, a public library, a skatepark, and much more.

Nestled in beautiful Box Hill South, Wembley Hill is within walking distances of parks, schools, shopping and so much more. Artist’s impression.

Achievable home ownership 

Buyers will not have to wait too long to make Wembley Hill home.

Mr Hehir says construction of release one is well underway and is expected to be completed by Q3 2026, and release two now on sale. 

He says families including multi-generational families and couples have been attracted to the opportunity to purchase a four-bedroom, luxury townhome in the Amber Collection with a competitive starting price of $1,395,000. 

“Townhomes are gaining popularity with buyers as they strike the perfect balance between space, lifestyle, and affordability,” he says. 

He points out that the Amber Collection release coincides with recent interest rate reductions and increased Victorian Government incentives.

“First-home buyers and owner-occupiers purchasing off-the-plan at Wembley Hill may be eligible for stamp duty savings of up to $60,000,” he says.

The post The high-spec, nature-connected townhomes reshaping Box Hill South lifestyles appeared first on realestate.com.au.

September 16, 2025/0 Comments/by JKents
https://www.juliankent.com/wp-content/uploads/2025/11/logo.png 0 0 JKents https://www.juliankent.com/wp-content/uploads/2025/11/logo.png JKents2025-09-16 12:00:052025-09-16 12:00:05The high-spec, nature-connected townhomes reshaping Box Hill South lifestyles

AVM testing under fire: New methodology challenges industry norms and raises risk for lenders

The reliability of Automated Valuation Models (AVMs) has been thrust into the spotlight in recent weeks, following groundbreaking changes in the way these models are now being tested. The implications for home equity lenders, who rely heavily on AVMs to determine property values, could be far-reaching, especially as the industry grapples with new regulatory questions about risk management and model accuracy.

Having spent decades working in the valuation industry, including introducing the first AVM to the marketplace in the 1990s and later fighting states who wanted to ban AVMs, I can tell you this shift in testing is seismic. The release of independent testing results showing poor performance from some of the top AVM models means not only that the existing approach to AVM testing may be outdated and flawed, but that home equity lenders now must scramble to respond as a new federal AVM regulatory framework goes into place on October 1st.

At the heart of this disruption is the decision by AVMetrics, the nation’s only independent AVM testing firm, to stop allowing AVM model companies to use list prices in their AVM testing methodology. This decision challenges an industry norm that has long relied on the list price of properties to help determine AVM valuations. But testing by AVMetrics and others has shown that many AVM models don’t just use list price, they “anchor” to it.

This is especially concerning for home equity lenders who, as an industry practice, don’t lend to borrowers who have listed their properties for sale. Given this reality, many in the industry, including myself, think it’s time to remove list prices from AVM testing. 

For some AVM providers, particularly those that have long relied on list prices, no doubt this decision feels like a significant blow to their models. These AVM providers argue that more data is always better, and list price data provides a clearer picture. Yet, those who support the change believe using list prices in AVM testing is nothing short of “cheating,” and a quick fix that fails to represent the true, real-world dynamics of home equity lending.

It’s not just about the technicalities of how AVMs are tested. It’s about ensuring these models provide accurate, reliable information that reduces risk for lenders and protects borrowers. The stakes here are high as Federal agencies get ready to formalize new AVM regulatory guidelines that go into effect on October 1st, guidelines that include proper quality control monitoring of AVMs.

Lee Kennedy, CEO of AVMetrics, articulates the crux of the matter when he says, “It’s not important how AVMs perform in test environments, but how accurate they are in real-world production situations, such as in home equity lending or refinance, where no list or sale price is available.” This insight underscores the real concern: AVMs that depend on list prices may be delivering inflated or inaccurate results that don’t reflect market realities, especially when applied to home equity lending, where most properties are not actively for sale.

For years, AVMs have been heralded as a tool for reducing risk in lending by providing quick, data-driven estimates of property value. But as the American Enterprise Institute’s 2024 report on AVM performance highlighted, the use of list prices can lead to what the study calls “springiness”—a term used to describe how AVMs “spring” toward the list price when available. This phenomenon distorts the true value of a property and diminishes the AVM’s usefulness for lenders who are focused on real-world scenarios, not theoretical models.

At the center of the debate is whether AVMs, as they are currently tested, can truly capture the real value of a property in scenarios like home equity lending. I have always supported the use of AVMs as an effective tool in property valuation, but it’s critical that we now refine the methodologies behind these models. AVMs should provide accurate representations of market conditions, not just rely on list prices, which can distort their reliability, especially if markets start changing and list prices become a lagging indicator. With billions of dollars in home equity loans on the line, the industry must ensure that the data we use is accurate and representative of real-world conditions.

Some AVM providers continue to defend the use of list prices in their models. But this viewpoint is not universally accepted. There’s a growing consensus among lenders and valuation experts that AVMs that rely on list prices are inherently flawed and risky. As one valuation executive at a large regional bank recently told me, “Not using list price, especially in home equity AVM testing, is the way to go. We are going to be looking very hard at this.”

The response from the industry is clear: More and more lenders are reevaluating their use of AVMs and beginning to adopt the new testing methodology. Appraisal management firms like Accurate Group say they have already shifted to AVMetrics’ new approach, signaling a potential tipping point for the industry.

Home equity lending in particular stands to benefit from this shift. As banks like Bank of America, Wells Fargo, and Chase, as well as top regional players, rely on AVMs to underwrite home equity loans, it’s critical that the models they use accurately reflect market conditions, not artificially inflated list prices. Failure to adapt to these changes could expose lenders to greater financial risks and create problems for consumers who depend on fair valuations.

The implications of this testing shift extend beyond AVMs alone. They also touch on the broader question of how we, as an industry, use data and technology to make critical lending decisions. Are we relying on shortcuts that could undermine the integrity of our processes? Or are we striving to develop solutions that are accurate, trustworthy, and aligned with the realities of the market?

The changes to AVM testing are not just a technical matter, they represent a turning point for the entire home equity lending ecosystem. By ensuring that AVMs are based on real-world data and not reliant on list prices, we can create a more robust, reliable system that better serves lenders, borrowers, and the industry at large.

A promising future for AVMs—and perhaps for home equity lending itself—depends on this conversation. Let’s ensure we’re all part of it.

Mark Sennott is the CEO of Sennott Consulting.

This column does not necessarily reflect the opinion of HousingWire’s editorial department and its owners.

September 16, 2025/0 Comments/by JKents
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The Block 2025 Episode 31 recap: Body corp meeting takes a bitter turn as greed and cheating accusations fly

It doesn’t even begin to scrape the sides of last year’s Block infighting, and it’s taken until episode 31, but there’s finally some semblance of aggro on The Block 2025.

The issues surrounding Mat and Robby’s wine cellar were dealt with to the satisfaction of everyone in the first 10 minutes of the body corporate, but Sonny and Alicia were seemingly spoiling for a fight because they then take the opportunity to raise the issue of the free timber claimed in its entirety by Taz.

The excess logs were available for contestants for free and had apparently sat outside the site timber mill for weeks waiting to be claimed.

With the encouragement of their landscaper, Block regular Troy Lovett, and egged on by Foreman Dan, Taz decides to take them all, snaffling what turns out to be almost $15,000 worth of free wood.

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Britt gives Alicia the stinkeye at the body corporate meeting.

“No-one else even knew about the timber,” Sonny protests.

“No, but we asked the question,” Taz replies.

“I had plans of getting that timber. I changed my landscaping plans and relodged them through Scotty,” Sonny complains.

“We asked the question, we got in before you,” Britt responds.

“If you want to be greedy …” Sonny says.

“Are you calling us greedy?” Britt asks.

“Yeah,” says her former best friend Alicia.

And it’s hard to deny when Taz spray painted his mark on every last log and stump, but Mat is philosophical.

“It’s first in best dressed. They said that weeks ago. You’ve got to share, but do you? It’s a competition,” he says.

Then Britt hits back with a suggestion that Sonny and Alicia unfairly won the budgeting prize in living room week because although their first attempt at the room came in under budget, they later spent $8000 fixing what the judges described as a monumental stuff up in their design.

Sonny points the finger at Britt and Taz, accusing them of greed while Emma tries to pretend she’s somewhere else.

Alicia is wounded that Britt would imply they deliberately presented a rubbish room just to win the budgeting prize, particularly as Britt saw how devastated Alicia was about the judges’ feedback.

“It was nasty and that’s what got to me because she was there when I had a full breakdown about it,” she says.

The meeting then goes from petty to pettier.

Alicia is still harping on about the fact Britt went shopping without her last week, despite a longstanding plan that they would go together, and when Ben calls for any other business to finish off the meeting, she inexplicably decides that the body corporate would be the appropriate place to bring it up.

“I’m just sick of the whole ‘we’re all family, we’re all friends’ and behind us you’re having a stab,” she says.

Britt and Taz apologise for the shopping miscommunication, but it’s clear Alicia isn’t in the mood to accept it and leaves the meeting to cry in the caravan, telling Mat: “I just don’t like conflict. I know I’m a b***h, but I don’t like fighting. It just makes me sad. I don’t like awkward. I know I’m a hard b***h, but my friendships mean a lot to me.”

“Today she showed who she is as a person,” she adds.

Alicia crying over the breakdown of her relationship with Britt.

The most kumbaya team of all is Ben and Emma, who manage to win a $5000 sauna in a swimming challenge and stay on the good side of Sonny and Alicia even after Ben tries to sabotage Sonny’s race.

But they might be about to drop from their podium of ultimate nice guys because they’ve now received approval to excavate under their front deck to create a wine cellar.

It’s not an underground wine cellar, like Mat and Robby’s, Ben is quick to claim.

“It’s an above-ground, below deck, behind-house wine cellar,” he says.

Asked if they care what Robby and Mat will think about their apparently copycat move and neither Ben nor Emma are fussed.

“I don’t care what they think. They haven’t invented wine cellars,” Ben says.

The cast come together by celebrating the fiery death of Mat and Robby’s bedhead.

Meanwhile, a slightly shaken Britt has a cry in the car the next day when she goes shopping – once again, alone – Taz protests “we’re not those people”.

Han and Can, who were once shaping up to be this year’s villains but are now looking like a pair of Pollyannas, decide to stay well out of the fray, watching the drama unfold like tennis spectators.

“We’re still kumbaya,” Can says.

“Han and Can want it to still be kumbaya. Sonny wants everyone to admit it ain’t kumbaya.”

But at least the episode ends on a lighter note: with a funeral.

Mat and Robby get permission from Scott Cam to dump their much derided bedhead from their kids’ room and decide it deserves nothing less than a skipbin pyre.

“We have fond memories of picking the fabric while naked and drinking wine in the spa,” Mat says.

“But we’re here to celebrate its death.”

MISSED AN EPISODE? HERE’S ALL OUR RECAPS SO FAR

Episode 1: Why no NSW applicants were good enough for The Block

Episode 2: The worst day on The Block

Episode 3/4: ‘Tear them off’: teams forced to rip tiles from walls

Episode 5: Judges feedback leaves one contestant vomiting

Episode 6: Dan and Dani’s heartbreak

Episode 7: The big problem with the Block house designs

Episode 8: Robby and Mat’s drunken blunder

Episode 9: ‘An up-market nursing home’

Episode 10: Can faces the wrath of Han

Episode 11: Han micromanaging from her sick bed

Episode 12: Sonny cops a spray from Alicia

Episode 13: Brutal feedback leaves Block team confused

Episode 14: Han and Can are in trouble with Dan, and other contestants

Episode 15: Han explodes at Dan in shocking tirade

Episode 16: Defiant Han gets epic dressing down from Scott Cam

Episode 17: Two teams are smashed by hyperbolic judges

Episode 18: Two teams start the week devastated by judges’ feedback

Episode 19: Copying scandal erupts as Alicia and Sonny point the finger

Episode 20: Ben and Emma drop good news into tense Block week

Episode 21: Ben and Emma and Sonny and Alicia cop the wrath of the judges

Episode 22: As Sonny and Alicia despair, Mat summons his inner Mean Boy

Episode 23: Han and Can all but quit the spa room challenge

Episode 24: Ben and Emma finally crack after yet another loss

Episode 25: Britt and Taz make a major blunder

Episode 26: The girls fire their builder

Episode 27: Ben and Emma hatch a sneaky plan

Episode 28: Britt’s decision to freeze out her former bestie has Alicia on the warpath

Episode 29: ‘Basic’, ‘no heart’, ‘not elegant’ – judges pan some teams’ kitchens

Episode 30: Sonny and Alicia goad the other teams into calling a body corp meeting

The post The Block 2025 Episode 31 recap: Body corp meeting takes a bitter turn as greed and cheating accusations fly appeared first on realestate.com.au.

September 16, 2025/0 Comments/by JKents
https://www.juliankent.com/wp-content/uploads/2025/11/logo.png 0 0 JKents https://www.juliankent.com/wp-content/uploads/2025/11/logo.png JKents2025-09-16 12:00:042025-09-16 12:00:04The Block 2025 Episode 31 recap: Body corp meeting takes a bitter turn as greed and cheating accusations fly

MLSs gear up for the implementation of NAR’s delayed marketing

The National Association of Realtors’ (NAR) Multiple Listing Options for Sellers (MLOS) Policy is slated to go into effect on September 30, and MLSs across the country are gearing up for the implementation of the policy. 

The policy, which was announced in early March, outlines the creation of delayed marketing exempt listings. According to the policy, listings that are “delayed” are entered into the MLS within one business day of public marketing, but they are not able to be syndicated or be part of IDX data feeds.

In announcing the policy, NAR said it would be up to individual MLSs to decide what the exact implementation of the policy would look like, giving local MLSs control over how long a listing could be delayed and what data would be recorded about delayed listings. Naturally, this has led to a wide variety of implementation strategies. 

Bright MLS says they’ve had this option for years

At Bright MLS, the nation’s second largest MLS, a spokesperson said that the MLS has “effectively” had the MLOS policy as part of its system options for years. 

“For nearly two decades, we have allowed subscribers to market properties according to their clients’ directions, including the option to choose ‘Internet No’ in our system while marketing the property otherwise at the seller’s instruction. Additionally, we removed the time limit on Coming Soon listings last summer to provide flexibility for the seller to choose when they’re ready to show their homes to prospective buyers,” a spokesperson wrote in an email. “Bright MLS will continue to offer agents a range of options when entering a listing to best serve clients’ diverse needs.”

Across the country, Kim Everett, the CEO of Western Arizona Realtor Data Exchange (WARDEX), shared a similar sentiment, acknowledging that WARDEX has been providing subscribers with the ability to limit IDX marketing for years. According to Everett, this option is most frequently used when the seller has privacy concerns related to their safety. 

While Everett said nothing is changing when it comes to the IDX “yes/no” option subscribers currently have in the WARDEX system, she did note that in conjunction with the Arizona Association of Realtors, WARDEX  has updated and refined forms to ensure their system aligns with the MLOS policy. 

Sellers must sign a disclosure

Under the MLOS policy, sellers must sign a disclosure that informs them of the risks they are assuming by not listing the property on the MLS. 

“In alignment with those updates, WARDEX has introduced a simple reminder within the MLS platform, prompting agents to confirm that the seller has signed the appropriate agreement before applying this restriction,” Everett said. “Throughout this month, WARDEX is encouraging agents to review the policy and available resources, so they are well-prepared to discuss the DMEL [Delayed Marketing Exempt Listing] option with their clients when appropriate.”

Choosing to keep things as close to the way they have been stemmed from the desire of WARDEX brokers and subscribers to keep things as simple as possible, according to Everett. 

New Hampshire already allows controlled data distribution

In New England, Prime MLS, is taking a similar approach to WARDEX, in that the most notable change being the requirement for a new form, but the New Hampshire-based MLS isn’t embracing MLOS with the same enthusiasm.

“We have set the delayed time period for delayed listings to zero days,” Chad Jacobson, the CEO of Prime MLS, said. “So, functionally, it will not exist in our system. Our system already contains the appropriate switches and settings for people to control data distribution on a listing by listing basis, so we just don’t see that it is necessary.”

Jacobson said the leadership board decided to go this route as subscribers already have the ability to mark a listing as “internet no” which prevents the listing from being displayed anywhere on the internet, including on sites using IDX feeds. However, if a seller decides to keep their listing fully private or mark it “internet no,” they will be required to sign a disclosure agreement. Although Jacobson said Prime MLS will not be monitoring these forms, which will be provided by state Realtor associations, agents will need to produce them if requested by the MLS or association. These new requirements will go into effect at the end of the month. 

No delayed listings, just coming soon

While Prime MLS is not creating a delayed listing status, the MLS is planning to launch a new “Coming Soon” status. 

“This is another popular mechanism to allow participants and subscribers to get their listing into the MLS for exposure prior to it going live,” Jacobson said. 

The new coming soon status is slated to be unveiled in January 2026. Subscribers will be required to fill all data fields for coming soon listings, but days on market are not accumulated when a listing is in the coming soon status.

Listings can remain in the coming soon status for a maximum of 10 calendar days after which they will automatically be made active. When a listing is in the coming soon status, no showings are allowed, but the listing can be syndicated and shared via IDX, and sellers may accept offers on those properties. 

In a similar vein, Canopy MLS in North Carolina has also decided to expand seller listing options, however the MLS noted that this decision was made independent of NAR announcing its MLOS policy.

“This was not a process we took lightly. We utilized several mechanisms to garner feedback from our agents, including a scenario-based survey to gauge the level of understanding our agents have regarding what is currently permitted under the Canopy MLS rules,” Anne Marie DeCatsye, the CEO of Canopy Realtor Association/Canopy MLS, said in a statement. “The survey also asked for input on potential rules and system changes to better address clients’ privacy and security concerns, Clear Cooperation (CCP), and Coming Soon policies.”   

Canopy MLS decided that CCP stays the same

Ultimately Canopy MLS decided that CCP stays the same, but it clarified that advertising a listing in a one-to-one or agent-to-agent fashion does not trigger CCP. Additionally, by the end of 2025, Canopy MLS said that price changes made to a listing first entered as a ‘Coming Soon-No Show’ will not appear on the listing’s history.

Looking further ahead, in early 2026, Canopy plans to implement Limited Exposure and Firm Exclusive listing options. Under the Limited Exposure option, days on market will not be tracked, price history will be recorded and not displayed and the listings will be excluded from IDX, VOW and syndication feeds. Listings in this status will be available for showing. Properties listed as Firm Exclusives will only be viewable by agents with the listing brokerage and price changes made to the listing will be recorded but will not appear anywhere. 

“These updates and options are intended to provide our agents a way to better serve their clients’ preferences in our marketplace,” Charisma Southerland, the 2025 president of Canopy Realtor Association/Canopy MLS, said in a statement. 

Austin MLS introduces Flex Listings

Down in Austin, Texas, Unlock MLS has also enabled listing agents and sellers with greater flexibility, introducing Flex Listings earlier this summer. Flex Listings do not require the same amount of input data and are only available on other sites via a virtual office website (VOW) feed. Emily Girard, the CEO of Unlock MLS, said these changes were already in the works prior to NAR’s policy announcement. 

“Given the discussion at the time surrounding CCP and the potential for NAR to make a pivot on their policy, we knew there was maybe something coming down the pike, but really the driver for us with the launch and the design of this was our own market conditions and what we were hearing from brokers and agents about needing flexible tools for their sellers as they navigate a market that has shifted significantly over the last couple of years,” Girard said. 

Refusal to implement delayed listings

While these MLSs have embraced the MLOS policy in some way, other MLSs, like California Regional MLS and NorthstarMLS, have refused to implement the policy. Although NorthstarMLS adopted the policy,  the organization has said it will not implement the optional delayed marketing exempt listings provision or limit IDX and syndication feeds.

NorthstarMLS argues that the delayed marketing option “risks creating information silos and reducing listing accessibility, which conflicts with our mission to provide accurate, reliable data to all participants.”

As the Sept. 30 deadline approaches, agents should check with their local MLS or MLSs to find out how MLOS is being implemented and what changes are being made. 

September 16, 2025/0 Comments/by JKents
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Is your neighbor harassing you? Follow these 4 steps to handle the problem

One of the consequences of living in a densely populated city like New York is that even if you don’t know your neighbors, you can probably hear them in the hallway or through an adjoining wall—and sometimes even smell what they’re cooking for dinner. 

“We receive numerous requests for mediation to help resolve conflicts in this crowded city, especially for noise-related disputes,” said Michele Kirschbaum, managing director of programs at New York Peace Institute. 

The rules about common nuisances like weird sounds and odorous trash are typically spelled out in your lease or bylaws. They can often be fairly easy to tackle (or ultimately endure—with the requisite complaining and kvetching that is every New Yorker’s right). But what can you do when someone’s behavior is beyond obnoxious and borders on harassment—like yelling or groping? (These and other behaviors are part of a recent real-life situation, below.)

New York State law defines harassment as any conduct intended to annoy, threaten, intimidate, or alarm another person. If that sounds like your situation, you should know there are steps you can take—including calling the police if you are ever physically in danger. Read on for what else you can do.


[Editor’s note: An earlier version of this post was published in September 2024. We are presenting it again with updated information for September 2025.]


1. Talk it out

Dealing directly with your neighbor is probably the last thing you want to do but it’s an important move. 

Dean M. Roberts, a real estate lawyer at Norris McLaughlin, points out that while safety should be your first priority, talking the issue out with your neighbor is still the first step you should take. You need to have some direct communication before pursuing a more formal route, such as mediation.

Roberts recommended reaching out to your neighbor either in an email or a handwritten letter. You don’t want to create a situation where your harasser can say, “If only she had told me, I would have stopped.” Not only do you come off as the unreasonable party, but you may miss an opportunity to straighten out the conflict early. 

If you’ve made an earnest attempt to have a meeting of the minds but failed to get a satisfactory resolution, don’t continue to force the issue—that can only escalate the situation. Move on to step two.

And you also shouldn’t have to deal with someone directly who makes you (or others) feel unsafe; in that instance, seek help.

Pro Tip
Pro Tip:

Looking for a tenant lawyer in New York City today? Altagracia Pierre-Outerbridge, Esq. has 15 years of experience litigating in Supreme, DHCR, and Housing Court. To contact Outerbridge Law P.C., call 212-364-5612 or 877-OUTERBRIDGE, or schedule a meeting today.

2. Enlist the landlord or board

Landlords and co-op boards have an obligation to provide you with a habitable apartment, but what that actually means isn’t always clear-cut. 

When it’s cigarette (or marijuana) smoke or kids running in the hallways, the management company can step in to help sort it out—filling gaps in walls between apartments in the former case, or even bringing in sound equipment to measure decibel levels in the latter.

If the person is creating a vermin issue, landlords have even more of a duty to act. (And if they don’t, you can register a complaint with 311.) 

Landlords face an uphill battle when it comes to evicting tenants who are paying their rent and not doing anything illegal per se; this is especially true for rent-stabilized buildings. What’s more, condo and co-op boards and landlords are loath to do anything about these intra-neighbor scenarios.

“There is little or no upside,” Roberts said. “It puts them in the difficult position of making judgment calls they don’t want to make with information they don’t have.” Plus, they’ll have to contend with either one or both owners or tenants being on the warpath. 

That said, you do have every right to register a complaint; the key is to be persistent. Roberts advised putting your issue in writing for the board or landlord, and be sure to include the dates of the incident. “It’s stronger evidence than saying, ‘I called last year but I can’t remember when,’” he said. You should state the problem and then say something along the lines of, “Please let me know how you think it should be dealt with/how you can help me.” 

If you do not hear back, Roberts recommended sending a second letter in which you put them on notice that “X” consequence will occur if you don’t respond by “Y” date. These are not idle threats but justifiable actions, including withholding maintenance and bringing a lawsuit against the neighbor, the board or landlord, and the managing agent for breaching their duty to protect you. (See step four for more about taking the legal route.)

Robert J. Braverman, managing partner at Braverman Greenspun, a law firm specializing in condo and co-op law, dealt with an infamous case where the harassment was so egregious the board itself brought a suit. The defendant’s objectionable behavior included taking pictures of other owners while they were working out.

Initially, the legal team felt this could be handled between the unit owners, but Braverman said it reached a tipping point. “When it becomes a pattern and extends to the staff and many unit owners, at some point the board said: Enough is enough,” he said.

The firm is currently handling another case involving a condo resident charged with a pattern of behavior occurring over nearly a year, including: routinely trailing, slapping, and groping women and children who lived in or visited the building; yelling derogatory and sexually inappropriate statements at neighbors; soliciting a visiting teenage girl for a sexual encounter in the elevator; threatening to kick a neighbor’s dog; and taking a neighbor’s dog’s biscuits and eating them.  

“Other residents and the board were sensitive to the fact that this was clearly a mental health issue and looked into non-legal alternatives; however, in the end, the fear that residents (especially women) had in their building pushed the board to file the lawsuit,” said Fletcher Corley, an associate at Braverman Greenspun who is familiar with the case. “It got so bad that the doorman, porter, and male residents were escorting women who lived in the building to their apartment doors to avoid any potentially dangerous situations with the resident in question.”

In these and other scenarios, creating a record of complaints is essential, documenting all incidents in a log and registering dates and times. Establishing a paper trail will help you build your case if you wind up pursuing legal action or breaking your lease and getting sued by your landlord.

If there are witnesses to any incidents, try to get their written statements, too. Even better if you or they capture any incidents on video. 

3. Seek mediation

When the steps above don’t alleviate the problem—or have the opposite effect and exacerbate it—you can pursue mediation in lieu of filing a fully-fledged legal case. 

Besides being quicker and cheaper (or even free), “mediation is inherently less adversarial because the parties are choosing to participate,” said Lauren Axelrod, general counsel for the New York City Bar Association. The parties can work together cooperatively and on their own schedule to form their own solution rather than leaving the decision to a judge, and end up with something that is (ideally) mutually agreeable. 

The proceeding is private and confidential. There’s another important reason to go for a more cooperative solution: You’re likely going to be neighbors for a while and see each other, at least occasionally in the building’s common areas.

The NYC Bar Association’s Co-op and Condo Mediation Project supplies trained mediators with capped hourly fees. You should probably plan on at least two hours. 

“The hardest part is getting both parties to agree to mediate,” Kirschbaum said. The New York Peace Institute offers free mediation services via video conferencing for those who seek that convenience, or in person at their Manhattan and Brooklyn offices. The easiest way to access those services is to fill out a request form on their website or by sending an email to info@nypeace.org.

Kirschbaum explained that in certain cases, a representative from the property management office may take part in the mediation session, which can help support any agreement that is reached. “If all parties prefer, we can also hold the mediation on-site at the property manager’s office,” she noted. 

Mediation can be challenging, but also hugely rewarding and empowering. “Conflicts are emotional and deep, but having an opportunity to talk things out is very, very helpful. Once parties begin to communicate with one another in mediation and start to feel heard, creative solutions can emerge. Even if you don’t actually come to a full agreement, the parties might come to a better understanding of one another, and tensions can be eased,” Kirschbaum said.

Know that a mediation agreement is not enforceable by law. As a legally binding contract, however, you could sue the other person for breach in civil court. 

Roberts adds that the police will clearly side with you in any future incidents—and, if the harasser defaults, the mediation agreement will help build your case in a legal claim.  

According to Kirschbaum, if the other person is unwilling to mediate, the New York Peace Institute offers a solo session with one of their trained mediators, where you can talk through the situation and the strategies you are or are not using. The mediator can help reality-test various solutions that just might work.

Overall, the potential benefits of mediation, such as improved communication and understanding, the possibility of repaired relationships, and the opportunity to create personalized solutions, far outweigh any possible downsides, making it a highly recommended option for addressing neighbor disputes, she explains.  

4. Go the legal route

If you want to take legal action, you have some options here, including filing a complaint with the New York State Division of Human Rights or initiating a suit with NYC’s Department of Housing, Preservation, and Development, which protects low-income and senior tenants from building code violations like failure to provide heat or address a vermin infestation. “More nuanced issues like noise complaints, while technically in violation of the code, aren’t as clear-cut,” Roberts said. 

As to what constitutes harassment under the law, “You know it when you see it,” Roberts noted, adding there is no bright line but it is rather based on the totality of the timeline and events. 

“It also boils down to intent,” he said. So a professional pianist who plays classical music for 12 hours a day would not be considered a nuisance (true story), while a neighbor who is blaring opera music because she knows it drives you nuts arguably could be. 

If the harassment is really out of hand, you may ultimately have to get the police involved. Even one visit from the cops can be enough to stop the behavior. All the better (sad to say) if the perpetrator has a reputation for harassing other people in the building. Axelrod pointed out that you can get legal assistance through the NYC Bar Association’s Legal Referral Service, allowing you to connect with a qualified, vetted lawyer. 

Should you file a criminal complaint that leads to an arrest, you (as the plaintiff) can eventually go to your local police precinct and request an order of protection, compelling the defendant to stay away from you and your apartment for a stated period of time (generally one year). 

“People think this order is an immediate solution, but it takes some time and effort to reach that point,” Roberts said. 

The likelihood of the District Attorney’s office pursuing the case to trial is slim. If it does go to trial, the case could take months to wind through the system, and there’s no guarantee that an order of protection will be granted.

In the meantime, the person might be living right next to you or in the same building, and there’s nothing you can do about that. “At least the order gives you a shield in case there’s a violation,” Roberts said. In other words, if you call the police, they will clearly take your side rather than chalk it up to just another neighbor dispute. That’s saying something. 

Only you can gauge whether it’s worth all the effort of pursuing a criminal case, especially in light of the unpredictable outcome. 

Instead, if you are open to the idea of moving, why not channel all that time, energy, and cost to finding a new home with (fingers crossed) friendlier neighbors? That, for sure, brings its own stress level, but may lead to a happier ending. 

—Earlier versions of this article contained reporting and writing by V. L. Hendrickson and Emily Myers.

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September 16, 2025/0 Comments/by JKents
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Trump tariff policy has soured Canadian interest in US properties

Canadians are losing interest in U.S. real estate, according to Redfin’s latest market report. The share of Canadians searching for U.S. properties declined 19.5 percent year over year in August, extending a six-month trend that started when President Trump announced a 25 percent tariff on Canadian goods in February.

September 16, 2025/0 Comments/by JKents
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Las Vegas Realtors removes incoming board member over Charlie Kirk comments

Mark Sivek, an incoming member of the 2026 Las Vegas Realtors’ (LVR) board of directors, has been stripped of his appointment, according to LVR.

The local trade group took this action in response to comments Sivek made on social media about the assassination of conservative commentator Charlie Kirk.

“We want to make it clear that LVR and its leaders do not condone hateful or potentially hurtful speech, and that such comments do not reflect the views and values of our association and profession,” LVR President George Kypreos said in a statement. “Such public comments are contrary to LVR policy and the Code of Ethics all Realtors are sworn to uphold, and they will be addressed through the processes in place.”

In a Facebook post last week, Sivek called for “no thoughts no prayers” for Kirk and said that the “world is a better place without him.” 

Sivek’s Facebook and LinkedIn pages have been taken down. 

Sivek was a broker at Realty ONE Group, however his broker page has been removed from Realty ONE Group’s site. A spokesperson for the brokerage confirmed that as of last Thursday Sivek is no longer associated with the firm.

“At Realty ONE Group we believe that everyONE has a voice, but we don’t stand for violence and aggressive behavior, rather lead with hearts and love daily,” a brokerage spokesperson wrote in an email. “We take quick action if it doesn’t align with our COOLTURE and core values.”

In a separate statement, Brandon Roberts, the president of Nevada Realtors also condemned Sivek’s comments. 

“Like many of you, I was shocked and saddened to learn of the murder of Charlie Kirk,” Roberts said. “Violence of any kind has no place in our communities or our country, and I join so many others in condemning this act. What adds to this tragedy is seeing comments on social media that attempt to justify or even celebrate what happened. Let me be clear: that is completely unacceptable. Regardless of politics, opinions, or beliefs, every person deserves safety, dignity, and respect.”

September 16, 2025/0 Comments/by JKents
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Oscar Arellano and team join Coldwell Banker Realty in Miami

Coldwell Banker Realty has added Oscar Arellano, one of Miami-Dade’s top-producing real estate professionals, and the Oscar Arellano Team to its Coral Gables, Fla. office.

Arellano joins from Berkshire Hathaway HomeServices EWM Realty — bringing more than 20 years of experience and nearly $1 billion in career home sales.

Arellano launched his real estate career in 2003 and quickly gained recognition. In 2024, the group achieved $100 million in gross annual sales, ranking as the No. 2 medium-sized team companywide at Berkshire Hathaway.

Oscar Arellano headshot
Oscar Arellano

His website — RealEstateBulldog.com — has become a widely used resource for buyers and sellers in Florida communities including Miami, Coral Gables, Coconut Grove and Palmetto Bay.

“Oscar’s real estate knowledge, professionalism, and dedication to his clients make him an outstanding addition to our Coral Gables office,” said Duff Rubin, regional president of Coldwell Banker Realty Southeast. “We’re thrilled to welcome the Oscar Arellano Team and look forward to supporting their continued growth and success.”

The team specializes in luxury homes, waterfront properties and high-demand neighborhoods, offering personalized service supported by data-driven pricing and broad digital exposure.

September 16, 2025/0 Comments/by JKents
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Mortgage rates hit a new yearly low before the Fed meets

Mortgage rates dropped to a new low for 2025 on Monday morning, reaching 6.25%. This decline follows disappointing manufacturing data from the New York Fed, which has caused bond yields to decrease. And mortgage spreads continue to adjust positively as they have all year. The question now is whether this trend can continue throughout the week, especially with the Federal Reserve meeting approaching.

Last year, we saw a similar situation where mortgage rates fell towards 6%, and the Fed subsequently cut rates by 0.50%, citing a weaker labor market than initially expected. However, the current labor data is showing even poorer performance than last year, as I discussed in our weekend Housing Market Tracker article.

On a positive note, mortgage spreads are displaying better behavior in 2025, which is helping to mitigate the impact of rising bond yields.

Mortgage spreads

I often joke that if people see a mortgage spread, they should hug it and take a selfie with it, because mortgage rates would not be at 6.25% today if the spreads didn’t improve. I was looking for improvements of 0.27%-0.41% in mortgage spreads this year from an average level of 2.54% last year. We have made significant progress in reducing mortgage spreads this year.

chart visualization

Historically, mortgage spreads have ranged between 1.60% and 1.80%. We do have some more room to improve, as the chart below shows. The worst levels of the mortgage spreads were in the early 1980s, when they were near 6%, and we had mortgage rates of 18%. Back then, mortgage rates would have been near 12%-13% with normal spreads then. So you can see that the mortgage spreads have had dramatic periods before. 

Bu we don’t even have to go back that far. If the spreads today were as bad as they were at the peak of 2023, mortgage rates would currently be 0.81% percentage points higher. Conversely, if the spreads returned to their normal range, mortgage rates would be 0.49% to 0.69% lower than today’s level.

If we were at the best levels of normal spreads, we would have mortgage rates at 5.60% to 5.80% today. If you look at the recent history of the spreads, we still have some room left to head lower, which means we don’t need too much help from the 10-year yield.

chart visualization

Conclusion

In today’s episode of the HousingWire Daily podcast, Sarah and I discuss the upcoming Federal Reserve meeting and what to expect this time around. Everyone is anticipating a 0.25% rate cut, and, as usual, the bond market reacted by driving mortgage rates down to a new yearly low on Monday morning. 

However, unless the Fed adopts a more dovish tone in its language and we receive disappointing economic data, much of the potential rate cut has already been factored into the current mortgage rates. Therefore, this time, the focus for the Fed is more on their wording than on the actual rate-cut itself, especially considering the divisions among certain Fed members.

September 16, 2025/0 Comments/by JKents
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Saving for retirement is a ‘fragile and divided’ topic

As Social Security benefits face an increasingly uncertain future and living expenses for seniors continue to rise, a larger share of American workers and employers believe that “retirement confidence is fragile and divided.”

That’s the key takeaway from the 10th annual iteration of BlackRock’s Read on Retirement survey, released last week. BlackRock — the world’s largest asset manager — surveyed 1,300 employees with workplace retirement plans, along with 300 retirees and 459 plan sponsors to compile the report. Component surveys were conducted by Escalent from Feb. 2 to May 19, 2025.

The employees questioned for the survey had at least $5,000 in assets in their current account. Gen X comprised 36% of the employee respondents, followed by millennials (32%), baby boomers (16%) and Gen Z (16%). Retiree respondents have been out of the workforce for at least 10 years, with roughly half having access to a defined benefit or pension plan for retirement income.

According to BlackRock, optimism about retirement is rising among the current workforce as 64% of this year’s respondents expressed confidence. But that data point is contradicted by the record-low 38% of employers that say at least 60% of their employees are on track for retirement.

“Over the past decade, long-term market growth and enhancements to the retirement system have boosted saver confidence,” the report noted. “In fact, savers today are more confident than their generational peers were 10 years ago. Still concerns, from plan sponsors and a persistent gender gap highlight areas of tension.”

BlackRock highlighted some key policy shifts since the 1990s aimed at creating more retirement savings. These include the Pension Protection Act of 2006, which “legitimized default investment options and nudged participants into saving behaviors that mimic the discipline of DB (defined benefit plans). Target-date funds have been “widely adopted” as default investment options since 2010, while the SECURE Act of 2019 included multiple provisions to encourage savings.

Gen Z appears much more confident about their retirement prospects than millennials did nearly a decade ago. Three-quarters of Gen Z respondents expressed optimism in this year’s survey, compared to 59% of millennials who were recent entries to the workforce in 2016.

Confidence during “prime earning years” around age 35 is also up from 2016 as 70% of today’s millennials say they’re optimistic, compared to 43% of Gen X respondents at the same age in 2016.

Confidence among older workers, however, hasn’t budged in the past decade as 54% of Gen Xers around age 45 say they’re prepared — unchanged from the 54% share of boomers at the same age in 2016.

“We’ve made great progress in building more confident savers — especially younger participants who are outpacing their peers thanks to plan enhancements. But we must continue helping those closest to retirement feel more secure,” BlackRock noted.

Along with the confidence gap between younger and older workers, a gulf also exists between men and women. The survey found that while confidence among both genders has grown at the same pace over the past decade, men continue to have a higher level of confidence about retirement preparedness than women (72% versus 56%).

Furthermore, 84% of men say they’re confident they’ll have enough saved to last through retirement while only 73% of women say the same.

“The gender gap persists, even with the strong strides women have made over the past decade,” BlackRock explained. “Still, more work must be done to address the heightened longevity concerns women face.”

While employers express less confidence than workers on the subject of retirement readiness, the survey indicated that they’re listening to employee needs. This is the first year that 100% of employer respondents said they “feel responsible for helping participants generate and manage income, especially in today’s economic climate.”

To help their workers close the savings gap, 86% of retirement plan sponsors say that “an actively managed target date fund could generate incremental returns for participants.” Similar shares of employers say that actively managed plans can “consistently outperform the market” and that “an actively managed target data fund could reduce the impact of volatility for participants.”

September 16, 2025/0 Comments/by JKents
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