Over the past year, the pandemic made it challenging for some homeowners to make their mortgage payments.
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It’s clear that consumers are concerned about how quickly home values are rising.
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There’s no doubt that 2021 is the year of the seller when it comes to the housing market.
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Some Highlights 

Mortgage pre-approval means a lender has reviewed your finances and, based on factors like your income, debt, and credit history, determined how much you’re qualified to borrow.
Being pre-approved for a loan can give you clarity while planning your homebuying budget, confidence in your ability to secure a loan, and a competitive edge in a bidding war.
In today’s market, connecting with a lender to get pre-approved may be the game-changer that helps you secure your dream home.

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Many people are sitting on the fence trying to decide if now’s the time to buy a home.
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So far this year, mortgage rates continue to hover around 3%, encouraging many hopeful homebuyers to enter the housing market.
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The housing market keeps sailing along.
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Homeownership is a foundational part of the American Dream.
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Forget the traditional holiday decorating rules and push yourself to find decor that is new, fresh and fits within your current home decor.… Read More

Gray skies don’t have to mean a drab indoor life.
As winter plods along, you may wish you could just hibernate until spring — and that may be more true than ever this year. But there is, indeed, joy to be found in the quieter months of the year.
While the trend may have come and gone in the U.S., the art of hygge, that feeling of being ultra-cozy and content, is just part of everyday life in Denmark.
The thing is, the Danes know how to thrive in winter. You might already know they’re the happiest people on earth, but did you know a lot of them attribute their unseasonably sunny outlook to their home- and self-care habits?
When it’s cold and rainy out, and you’ve been stuck inside for — who knows how long? — binging the next series on your “recommended” list might feel like the most appealing option. But if you’d like mix things up, here are a few ideas to channel the Danes and make an intentionally delightful day out of drab weather.
1. Set the mood
Candles are a key ingredient to a supremely comfortable atmosphere. Not only do they provide beautiful, soft lighting, they also add warmth and scent to your space.
Tip: Choose seasonal scents to inspire celebration, or choose a summery scent, such as coconut and floral, to help combat the seasonal blues.
2. Bake something
Comfort food is central to the cozy experience. But it doesn’t just begin when you eat the cake (or cookies or pie) — it begins when you imagine the creation.
Leaf through your favorite cookbooks or browse some eye-candy baking sites, choose your ingredients carefully, and mix them with care, taking your time to enjoy the task at hand. It’s just a bonus that your baking will flood your space with delicious smells — and taste good too.
Tip: Reach out to a friend or family member whose recipes deserve appreciation, and ask if they could show you how to work out their spectacular skills. You can set up a video call if you’re not able to meet in person.
3. Add texture
Plush throws, sheepskins and cushions make for a much more inviting space. Cover your surfaces in as many luxurious fabrics and pillows as you can find and snuggle down.
Tip: Feel free to go faux, or if cost prohibits, find inexpensive alternatives.
4. Get out the board games
Pull your partner or kids away from their screens and gather around the table for some old-fashioned fun. Whether you go for the competitive strategy variety or laugh-out-loud social games, there are options for everyone. For the minimalists among us, even a deck of cards can offer plenty of entertainment.
Tip: Looking for remote gaming options? There are many online group gaming apps, and many people have come up with creative ways to play the classics via Zoom as well. Start up a game and maintain your connections year-round!
5. Perfect your hot drink game
Hot cocoa, hot toddies, apple cider, mulled wine — pick your poison. Whatever it is, find your own special recipe that is so delicious you can’t wait to show it off. Host a virtual happy hour and share it with family and friends.
Tip: Why, yes, you can put whiskey in those drinks. But it’s usually a good idea to perfect a mocktail version, too, for those who don’t imbibe.
6. Embrace sweater weather
If you don’t already have a favorite sweater, it’s time to find one. It should be something that makes you feel at home when you slip it on. Cashmere, wool, mohair — anything will do. Whatever you choose, pair it with thick socks!
Tip: Find some beginner books or tutorials and try your hand at knitting, crocheting or weaving, and make your own sweater over the course of the winter. Find an online knitting circle for tips and encouragement.
7. Curate your cold-outside playlist
Make yourself a mix of music that inspires you to do all those things that make you feel absolutely endeared to your space. Put it on shuffle, relax, repeat.
Tip: Instrumentals are classics for a reason — they can work as background for just about anything. When in doubt, most music services have premade playlists, some of which you can filter by mood.
8. Do seasonal activities
Making caramel apples? Check. Working on (or giving up on) your New Year’s resolutions? Check. Canning, puddle jumping, snowball throwing, signs-of-spring spotting? Check!
Tip: Whatever your favorite seasonal activities might be, create a plan to make them happen — put it on your calendar, set a reminder on your phone, or find an “accountability partner” (a friend or family member who will give you the nudge you need), and feel the magic of even the most blah weather wash over you.

Originally published October 2018.… Read More

When it’s time to move to a smaller home, these tips will help you save the memories while minimizing clutter in your new place.
Moving into a new house is often bittersweet. You are excited for the change, but sad to leave a home so full of memories. Downsizing can be even harder — a smaller place means you don’t have room for all of your current possessions.
But downsizing is also an opportunity to refresh and start anew. If you get rid of the clutter, you can fill your new place with the things you really love, making it feel like home.
Here are three steps for downsizing without sacrificing your meaningful belongings.
1. Make a plan
Take a trip to your new place and measure the size of your rooms and storage areas. This will be your guide for how much you can take with you. It is better to underestimate than overestimate.
As you’re deciding what to keep and what to get rid of, do one room at a time. Moving is a big job, and you don’t need to tackle it all at once. Plan to do a little bit each day, and leave extra time so you aren’t rushed.
Decide on your furniture first. Going from big to small will give you a better idea how much space you have left to fill. You don’t want to have to reshuffle everything if you can’t take that bookshelf with you.
2. Sort your belongings
Will you use it? It’s easy to convince yourself you might still wear that 10-year-old shirt with the tags still on someday. But if you haven’t used it in the past year, it’s likely you never will.
Also, get rid of multiples. Do you have multiple coffee pots, or several sets of china? If you can only use one at a time, you don’t need to keep both.
As you sort, follow a strict yes/no policy —no “maybes” allowed. Make a “yes” pile and a “no” pile, and force yourself to choose. If you aren’t convinced the item deserves a yes, then it’s a no. “Maybe” piles just mean more work for you later.
Decide how to divvy up your “no” pile. You may not want or need these items anymore, but they’re probably useful to someone else. Special items may handed down to friends or family members. Furniture, housewares, clothing and other items in good condition could be sold at a garage sale or on sites like Craigslist. Or, you can choose to donate reusable items to organizations like Goodwill, who sometimes offer neighborhood or even residential pickups, making your task that much simpler. Anything damaged or worn beyond repair should make its way to the recycling bin or a trip to the dump.
3. Preserve memories
Digitize photos to save space and easily share them with family. Photo albums take up a lot of room, and how often do you actually go through them? Pick up a digital frame and enjoy all of your photos in a rotating slideshow or create a slideshow screensaver for your TV or computer.
Take photos of items that bring up good memories, but you no longer have room for. You can look back on the memories without actually keeping the items.
To make sure those treasured items are in good hands, pass them on to your children, grandchildren or close friends. They will love the gift, and you get to enjoy seeing the items being used.
Another strategy is to give keepsakes a new life. If you love to craft, items like old movie stubs, letters and photos are perfect for scrapbooking, letting you create a record of your experiences. Or make three-dimensional pieces of art using shadowboxes. Gathering up your memories in one place will make them easier than ever to enjoy.
Downsizing is an emotional process. You will discover items you haven’t seen in years, and you will have to decide what to do with them. Give yourself some time to reminisce, and then make a decision. Keep in mind your space limitations. Take with you what is truly valuable — only you can decide what you can’t do without.
Just imagine: Once you’ve finished your move, you’ll be able to enjoy your new place surrounded by the feeling of home.
Related:

Originally published November 2015. … Read More

To ensure your jack-o’-lantern is primed for Halloween, follow these tips.
While Halloween may look a little different this year, there’s no reason you can’t still have an amazing outdoor display. If you’re not interested in shelling out big bucks for a 12 foot animatronic skeleton, or if your style is more autumn chic than gothic gore, you have plenty of options when it comes to the traditional jack-o’-lantern. Before you cut into your sacrificial squash, check out these top tips for making a carv-tastic display.
Pumpkin selection
There are no rules for what size or shape makes for a great jack-o’-lantern. Any pumpkin can rise to ghoulish greatness. Do look for a pumpkin that isn’t bruised and has no mold around the stem. Who wants to cut into a rotted pumpkin? Also, look for a pumpkin with a flat bottom that will sit firmly without rocking.
Tools
Every job is made easier by the right tools. A kitchen knife is not the best — or safest — thing to use for pumpkin carving. You can get a set of pumpkin carving tools at many hardware or drug stores around Halloween, but you can also use items already in your possession — power drills, awls, wood gouges or even cookie cutters. Don’t forget a big spoon to scoop out the guts!
Carving
Rather than giving your jack-o’-lantern a cap by cutting it at the top, draw a circle on the bottom of your pumpkin and cut your opening there, making sure to angle your blade toward the center to create a ledge for support of the finished cut area. Clean out the guts (save the seeds and roast them for your post-carving snack!) and scrape the insides of your pumpkin until they are about an inch thick in the areas you plan to carve. If you’re using a pattern, tape it on and transfer it by tracing with a poking tool. Then you’re ready to carve! If you’re using a pumpkin saw, it’s easiest to keep the pumpkin on your lap, holding the saw like a pencil and using a steady up-and-down motion. Saw at a 90-degree angle with gentle pressure.
Preservation
To extend the life of your jack-o’-lantern, spritz it with water and keep it in the refrigerator while it’s not on display. Spread some petroleum jelly on the cut edges to keep them from drying out. If your pumpkin starts to shrivel, submerge it in cold water for a couple of hours. It should come back to life. Just make sure to dry it well on the inside to avoid mold. You can also ward off mold and insects by spraying or soaking the pumpkin with a water-and-bleach solution.
Display
If you are using a candle, cut a hole in the top of the pumpkin toward the back to act as a chimney for smoke and heat. A candle will be more secure if you drill a hole for it. You can also use battery-operated LEDs, Christmas lights or even a nightlight to illuminate your pumpkin. If you carve a design in the back of your jack-o’-lantern, you’ll produce a shadowy effect on the wall behind it, making it extra spooky!
However you choose to carve your jack o’ lantern, use your creativity and have fun.
Beyond the jack-o’-lantern
For more simple and spooky outdoor decor ideas, check out these fun Halloween hacks.
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Related:

Originally published October 2014.… Read More