Summertime is often a time we see an unwelcome spike in our energy costs. Between air conditioning, fans, and pool filters running all day, we find ourselves looking for ways to cut our electric bills as much as possible. By adjusting our behaviors and making a few relatively simple and inexpensive changes, we can bring those electric bills down to a more reasonable amount.

Whether you moved into a new home or you’re just ready to begin a new project, starting a new garden can be a very satisfying endeavor, from start to finish.  With a bit of planning and hard work, the benefits will provide satisfaction and excitement for years to come.

Mortgage refinancing is somewhat of a hot topic at this time.  With lower interest rates, the amount of refinancing applications is on the rise and these applications are keeping our mortgage lenders busy.   However, the decision to refinance should not be made lightly.  There are a number to things you should consider before you take the jump to refinance your mortgage.

Seller credits, often known as seller concessions, are often requested by a buyer to assist them in the purchase of a home.  They are sometimes even offered from the seller to the buyer in order to facilitate the sale of a home.  However, there are some myths and misunderstandings about seller credits that warrant explanation.  Here we try to clear up those misunderstandings and review how the seller credits work for both the buyer and the seller.

Applying for and understanding mortgage loans can be a very confusing process for anyone.  The terms, the lingo, and the paperwork can become very overwhelming very quickly, and the confusion often leads to misunderstanding important terms in the application process.   There are two terms in particular that are used and referred to throughout the entire process, from the loan application review to the closing, and those terms are Interest Rate and Annual Percentage Rate (APR).  Since these two words refer to the amount of money you will be responsible for paying, it is extremely important to know the difference between the two and how they relate to your mortgage payments.