Home Decorating for Fall! Bring in Light It’s getting dark quicker these days, making it feel much later than it actually is. Keep it light and cozy by adding a Pumpkin Spice candle or stringing up lights for a festive feel. Add a little extra glow to illuminate your space. Extra Blankets There is nothing like wrapping up in a warm blanket drinking cocoa by the fire. Surprise your guests with even MORE blankets. Wool, knitted, plaid, hand-stitched! The possibilities are endless. A simple rolled up blanket makes a cute addition to a guest
What YOU Need to Know About Your Credit Score – And how you can improve it! The Top 5 Credit Score Factors: Payment History: Even one missed payment can harm your score. Payment history accounts for 35% of your credit score! Credit Utilization: The total revolving credit you currently use is divided by the total of all your revolving credit limits. Credit utilization accounts for 30% of your credit score. Using MORE than 30% of your available credit is a negative sign to creditors. Credit History Length: The age of your oldest credit account, the age of your
Are You Ready To Buy A House? Here Is How To Save Money! Around this time of year many couples, new families and long-term residents begin to look at buying a home or even refinancing! Here is some food for thought if you are ready to take action and start saving today! We have provided you a step-by-step plan to make saving for your home easy! Here are the clean and clear objectives when saving: Set a savings target. Automate saving transfers. Minimize expenses. SAVE FOR A HOME! Setting Goals: Define your budget and get your deadline in
Revamp your home this fall! With the extra hours we’ve spending in our homes, try taking the time to make small yet impactful projects to improve your space! These are the easiest way to change things up and add a little liveliness back into your house. Organization While this may not be the most appealing of all our suggestions it is an amazing way to make your home more functional. By reducing the clutter everyone can enjoy the benefits! Indoor Garden Indoor plants are a great way to clean and purify the air in your home. Place them
Most of us have been stopped in our tracks due to the Coronavirus Pandemic; Vacation plans are cancelled; cabin fever is in full effect. Our homes have become the mecca of our day-to-day life. Our homes have become our schools, our offices, and our haven from uncertainty. As the paradigm continues to shift, “home” remains the safest place to unwind. If this fits your bill, it may be a great time to consider investing in a vacation home. Your own home away from home with the built-in assurance that you have created a safe atmosphere for yourself and
Purchase Applications have risen to just over 0.4% in comparison to just a couple of weeks ago! According to the Mortgage Bankers Association, purchase applications are steadily increasing since the summer of 2019. With the Spring home buying market stunted by the global pandemic, we have seen a pickup in the Summer months of consumers either wanting to purchase a new home or refinancing to upgrade their current home. Mortgage rates’ record low standing has helped the purchase market and the refinance market! We are also seeing an increase in refinance applications, a positive trend to make the
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