What’s the Difference Between Prequalified and Preapproved?
The homebuying process comes with a language all its own, and two of the terms you may have heard are prequalified and preapproved. While both can be essential parts of obtaining a mortgage and buying a home, you may not know what they mean. Check out the information below to learn how each term may benefit you during your home search. Click for More
How To Shop for a Home Loan
We are in a changing Real Estate Market. Learn more about shopping for a Home Loan.
One of the first steps in the homebuying process is gaining pre-approval for a mortgage loan. This gives you a realistic idea of the home prices that you can afford and allows you to make a strong offer when you do find the right house. While there are a lot of factors that impact your loan approval and the interest rates that lenders will offer, there are a few steps you can take to make sure that you’re getting the best home loan and mortgage rate. (Learn) More
Halloween Safety: Trick-or-Treating Tips
Halloween can be one of the most exciting nights of the year—especially for kids. But in the excitement, it’s easy to lose sight of practical safety measures that we may think of every other day of the year.
Adhere to some of these trick or’ treating safety measures to ensure your Halloween night is fun and worry-free!
Watch where you walk.
Make sure to stay on sidewalks and in low-traffic areas.
Don’t let them go it alone.
It’s best to accompany children under 12 while trick-or-treating.
Practice proper costume safety.
Avoid anything completely black or hooded, and consider putting reflective or glow-in-the-dark paint on bags and costumes. You can also incorporate glow sticks into the costume, or hold them for extra visibility.
Dress comfortably.
Comfortable shoes and trip-proof costumes are a must.
Avoid harmful paints and materials.
Face paint is a better option than a mask, which can impede your child’s vision, but if the paint is loaded with harmful chemicals, it’s best to leave it at the store.
Drive carefully.
Peak trick-or-treating hours are from 5:30 p.m. to 9:30 p.m. Drive slowly through residential areas, and be cautious during those times.
Candy check.
This tip is a no-brainer, but be sure to check your child’s candy before he or she eats it and discard anything without a wrapper or that may have been tampered with.
“Stranger danger” rules still apply.
Even if you’re only trick-or-treating through your neighborhood, explain to your child that the same stranger rules still apply and to never step inside a person’s home, even if invited.
Make Your Home Cozy for Fall
The annual approach of winter makes autumn an ideal time to bring in fun decor elements like fluffy throws and pillows, candles, and warm autumnal colors. Follow these tips to make your home the coziest it can be.
ADD LAYERS AND TEXTURES
We put on extra clothing when autumn temperatures drop, and it’s a good idea to dress your home with additional elements of warmth too. A thick fabric welcome mat by your front door will provide something soft to sink your feet into, while long curtain panels in cotton or velvet will help insulate your home from the cold. Soft throws on your sofa and chairs will warm up the look of your room and provide a cozy spot for reading, napping, or watching TV. A fuzzy shag rug will warm up a floor. You can make your bedroom more comfortable by swapping out lightweight summer sheets and blankets for heat-trapping flannel sheets and winter-weight comforters. Drape a fleece throw across the foot of your bed for luxurious comfort on cold nights.
ACCENTUATE YOUR FIREPLACE
Nothing says warm and cozy like a crackling fire. If you love the look of a wood fire but not the cleanup afterward, fill your fireplace with thick pillar candles and light those instead. Dress your fireplace mantel with natural elements like autumn-hued gourds and leaves, succulents, or pine cones. Lanterns, potted mums, or a basket filled with a comfy blanket can add extra texture and color to your hearth when it’s not in use. If you don’t have a fireplace, you can use these same decorating ideas to add fall flair to any spot in your home. Or you could make yourself a faux decorative fireplace by hanging a floating wood shelf above a vertical wood-fence panel that’s attached to the wall.
TOSS SOME PILLOWS
Once you get your fireplace roaring or your candles burning, you’ll want to settle into a comfortable place nearby to enjoy the warm glow. A few pillows on your sofa and chairs or some oversized floor pillows and poufs can provide just the spot for comfortable lounging. Pillows can add beauty, warmth, and texture to a space—look for pillows in knobby knits, autumn hues, or fun fall prints. When you have people over, you can put a few extra pillows on the floor to provide additional seating.
DIM THE LIGHTS
Give long fall nights a cozy ambience by filling your space with soft, flickering candles and carefully chosen lighting. Place candles around the room, or add smart light bulbs to your light fixtures. Some smart bulbs have their own apps that will allow you to dim or change the color of the lighting, while others can be paired with Google Assistant, Apple’s Siri, or Amazon Alexa to operate. String lights strewn across a wall or stuffed into Mason jars or lanterns can create a comfy or romantic atmosphere.
BRING THE OUTSIDE IN
Even if you aren’t the outdoorsy type, you might find it calming to have natural fall elements in your home. Appealing fall items you could use include autumn leaves, seasonal flowers like mums and sunflowers, sea glass and driftwood from the beach, or apples, decorative squashes, and corn husks from a local farm. Use houseplants, such as a large, leafy fern or a collection of easy-care succulents, to freshen and soften your interior’s look and feel.
INFUSE THE AIR
Fall is filled with many pleasant scents you can use to make your home cozier, such as pumpkin spice, apple pie, and cider. Try simmering slices of apples and oranges with cinnamon in a pot on the stove, burning fall-scented candles, or decorating your home with bowls of potpourri made with cinnamon sticks, bay leaves, and dehydrated oranges.
PERSONALIZE WITH PHOTOS
Framed photos of friends and family members will make you smile and are a simple way to bring personality and joy to your home. You could feature these photos on a gallery wall in your living room or display them on a coffee or console table. Your friends and family will feel welcome in your home when they see these memories on display.
SET OUT BOOKS AND BOARD GAMES
When you have folks over to visit this fall, you will want them to stay awhile. Put out a board game or two and perhaps some coffee-table books to encourage conversation and hours of entertainment. By adding just a few decorative and fun elements to your interior spaces, you may find yourself getting more enjoyment out of the cozy moments you spend at home this season.
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October is National Breast Cancer Awareness Month
October is “National Breast Cancer Awareness Month”. Please click the link “Learn More” to learn more about Breast Cancer!
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The Best Backyard Barbecue Tips
From chargrilled food to backyard games—barbecues are the epitome of summer living. Regardless of your party hosting style, throwing a barbecue doesn’t have to be challenging. In fact, you should have as much fun planning one as you would attending one!
Use these tips to help you host a barbecue that will be the talk of the summer for both your friends and family.
Do a potluck-style menu
Chances are that your friends and family will ask you what they can bring. Instead of brushing them off and trying to tackle everything yourself, see if they can bring a side. This way you’ll only have to worry about cooking the main course and dessert. Besides, your guests will love having various yummy side dishes to try.
Set the mood with summer jams
Certain songs just scream, “summer!” and will help to keep your guests in a good mood all afternoon. In fact, there are playlists that are designed specifically for summer barbecues. Just try to be mindful of your guests, and keep it appropriate. As long as the songs makes your guests smile and dance, you can rest assured that you’re playing the right type of music.
Break out yard games
As fun as eating is, your party will have to include other activities. Yard games are perfect for all age groups. Backyard activities like horseshoes, corn hole, and Jumbo Jenga® will be a hit for both adults and kids. Not only will fun games entice your guests to stay longer, they’re a great way to get people to mingle.
Keep the decorations simple
It’s not necessary to overdo it with the decorations at a barbecue. Keep it simple with colorful tablecloths and coordinating place settings. If you want to take it a step further, consider stringing a few sets of lights around the trees and setting out Mason jars with tea lights and fresh flowers.
Incorporate a delicious dessert
Regardless of the menu, dessert is always a crowd-pleaser. However, it doesn’t have to be fancy. Since you’ll already have the grill out, consider using it to make dessert, too. Various fruits like peaches, cantaloupe, and watermelon can be grilled to create a delicious treat. Top the fruit with honey, cinnamon, and a dollop of ice cream.
This summer, get creative and throw a laid-back barbecue that is sure to impress your guests.