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NOVEMBER: What Bulbs to Plant in the Fall

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Preparing for spring can never start too soon! These are the best bulbs to plant this autumn to make sure your spring garden blooms in full. Daffodils One of the first signs of spring comes in the form of these familiar yellow and green-stemmed flowers. Plant bulbs of the Carlton or Sunlight Sensation variety to make your yard the brightest shade of yellow on the block come spring. Hyacinth Few things bring you back to spring like the fragrant of hyacinth—too strong for some, but reminiscent of the season nonetheless. Popular bulbs are delft blue: a periwinkle color that stands out from the crowd, or Carnegie, which is a bright white staple. Snowdrop Consider planting snowdrop bulbs, which are one of the earlier spring bloomers. These white and green flowers do best when they’re not fully exposed to the sun. Plant the giant bulb type for these lovely flowers to bloom in full this spring. Tulips Who can forget these colorful and bold flowers? Darwina is a bulb you’ll want to plant if yo...
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4 Reasons to Buy Your Dream Home This Winter

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As the temperature in many areas of the country starts to cool down, you might think that the housing market will do the same. This couldn’t be further from the truth! Here are 4 reasons you should consider buying your dream home this winter instead of waiting for spring!

 

1. Prices Will Continue to Rise

CoreLogic’s latest Home Price Index reports that home prices have appreciated by 6.3% over the last 12 months. The same report predicts that prices will continue to increase at a rate of 5.2% over the next year.
The bottom in home prices has come and gone. Home values will continue to appreciate for years. Waiting no longer makes sense.

 

2. Mortgage Interest Rates are Projected to Increase

Your monthly housing cost is as much related to the price you pay for your home as it is to the mortgage interest rate you secure.
Freddie Mac’s Primary Mortgage Market Survey shows that interest rates for a 30-year mortgage are currently at 4.08%. The Mortgage Bankers Association, Fannie Mae, Freddie Mac & the National Association of Realtors are in unison, projecting that rates will increase by this time next year.
An increase in rates will impact YOUR monthly mortgage payment. A year from now, your housing expense will increase if a mortgage is necessary to buy your next home.

 

3. Either Way You’re Paying a Mortgage

There are some renters who have not yet purchased a home because they are uncomfortable taking on the obligation of a mortgage. Everyone should realize that, unless you are living with your parents rent free, you are paying a mortgage – either yours or your landlord’s.
As an owner, your mortgage payment is a form of ‘forced savings’ that allows you to have equity in your home that you can tap into later in life. As a renter, you guarantee your landlord is the person with that equity.

4. It’s Time to Move on with Your Life

The ‘cost’ of a home is determined by two major components: the price of the home and the current mortgage rate. It appears that both are on the rise.
But what if they weren’t? Would you wait?
Look at the actual reason you are buying and decide whether it is worth waiting. Whether you want to have a great place for your children to grow up, you want your family to be safer or you just want to have control over renovations, maybe now is the time to buy.

If the right thing for you and your family is to purchase a home this year, buying sooner rather than later could lead to substantial savings.

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