Create an Outdoor Living Space on a Budget

As the summer months approach, more and more of us will be spending time outdoors. The warmer temperatures and extra daylight are the ideal time to extend your home’s living space and enjoy your outdoor areas. Whatever the size of your yard, patio, or deck there are simple ways to make it as appealing and as livable as the inside of your home. Here are some ideas to get your outdoor space ready for relaxed summer living – without emptying your wallet! Read More “Create an Outdoor Living Space on a Budget”

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3 Tips To Help Home Affordability When Rates Rise

So far the Fed has increased its benchmark rate three times since the financial crisis as they track economic improvement and attempt to maximize employment and stabilize inflation. If the economy continues to improve, and economic data remains positive, another increase could come as soon as May or June. While consumers with credit card debt may see an immediate increase in interest rates as a result of the Fed’s rate increases, the effect on longer term mortgage loans will be less direct, but still impactful. As RPM’s Julian Hebron explains in an article on Zillow “Even though mortgage bonds represent longer-term rates, these Fed hikes still fuel selling of mortgage bonds, pushing mortgage rates higher.”

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Lucky Charms In Real Estate

Whether it’s a family home, a vacation getaway, or an investment property, owning real estate is an important investment in your future. With so much riding on these transactions, real estate often feels like a high stakes game of chance. Given that there’s no exact formula for success and the process can be highly emotional, real estate lends itself to a bit of superstition. Let’s take a look at some of the practices that are believed to bring good luck in real estate!
lucky horseshoe
Horseshoe Over the Door
The horseshoe has a long history of being a protective symbol. It has become customary to hang a horseshoe over the door to protect against evil and bring good luck. The way that you hang the horseshoe is a matter of preference. Some believe it should be pointing upward so your luck does not escape. Others argue that hanging the horseshoe upside down will ensure that good luck pours down into the home.

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How to Choose the Right Energy Efficient Lighting

Over the past several years, lighting options and the way they are measured have changed as part of the movement toward energy efficiency. Traditional incandescent bulbs are no longer manufactured and are quickly becoming a nostalgic thing of the past! They’ve been replaced by more efficient lighting options including: halogen incandescent, compact fluorescent lamp (CFL), and light-emitting diode (LED) bulbs. These energy-saving options offer choices of light levels, sizes, shapes, and colors. Which option is best will depend on the purpose and location of the lighting, as well as personal preference. Here’s what you need to know to make the right selection for each space in your home:

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Is Buying Down Your Rate Right For You?

Rates began ticking up in the wake of the election and the upward trend is expected to continue, albeit at a slower pace compared to the first few post-election months. If you are currently in the market for a home, you may be concerned about battling increasing prices and upward trending rates. But, you could have the option to tackle affordability by buying down your rate.

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Setting Goals to Achieve Homeownership

As a first step in preparing for a home purchase, it’s important to determine if you are actually ready to become a homeowner. Are you able to stay put for a while? Is your income fairly stable? If you answered yes to both questions, the next step is to carefully consider your finances. Resolve to do the following in the New Year and you could be ready to purchase a home sooner than you think – maybe even ahead of any anticipated rate increases.

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