Seasonal Lawn Care Tips

With the hot sun blazing down and temperatures not scheduled to dip for many more weeks - it's important to adapt your lawn maintenance plans to accommodate the summer!  Following these tips can help prevent damage and save you money on maintenance.

Watering
- Lawns need at least one inch of water a week during extreme heat
- Water less frequently but for longer amounts of time to encourage roots to grow deeper
- Water early in the day to beat evaporation but not at night which could encourage disease

Mowing
- Don't cut your lawn too short - longer lawns are more resistant to the damaging effects of heat
- Make sure your blades are sharp so the grass is cut and not torn
- Mulch the clippings to create a moisture barrier

MISC
- Don't fertilize in the summer - even if your lawn looks brown - it can burn the lawn
- Place stepping stones in high traffic areas to minimize damage
- Pick up outdoor toys after playing to keep dead spots from popping up

Making Sense of Interest Rates

We hear so often about interest rates - good ones, bad ones, refinancing to get a lower interest rate. But what does it really mean? What impact does it have on the house you buy or don't?  Here's a quick overview to explain one of the most important factors of mortgage lending.

Interest is the amount it costs you, the buyer, to borrow money in the form of a mortgage.  Banks require a return on the amount of money you borrow.  Your monthly mortgage payment is made up of the principal (or loan itself), interest, insurance and taxes. The higher the interest rate - the more money you owe on your mortgage each month. That's why it's important to search for the best interest rate for your particular type of mortgage.

Interest rates are an annual figure. To calculate your monthly rate take the interest rate and divide it by 12.  This new number is the amount of interest you will pay on your loan per month.

Each month your interest payment decreases as you pay more towards the principal on your loan.  In order to keep your monthly payments the same banks use an amortization schedule which applies more money to your principal and less money to interest each month.  Banks can provide you a full amortization schedule upon request.

Currently interest rates are at historic lows. This means that borrowing money for a home is more affordable than it has been in years. Take a look at the graph below for an idea on how far interest rates have come and why now is a great time to buy!

Celebrate with Style

Celebrate Independence Day with flair! Take a look at these simple to make but amazingly patriotic dessert options!  Stay safe and enjoy the holiday!

Berry Trifle

Strawberry, blueberry and delicious angel food cake make this patriotic trifle a sure be winner!

Star Brownies

Use cookie cutters to cut up brownies and then decorate with icing and red, white and blue sprinkles!

Independence Day Kabobs

A simple no-bake dessert requiring just blueberries, strawberries and bananas!

Weekend Getaways

Getting out of town is a much needed escape for all of us. Sometimes taking that week long summer vacation isn't always possible.  Here are a few ways to get away if even just for the weekend!

Beach Locales:

Beaufort, South Carolina

Located just south of busy Hilton Head Island, Beaufort packs in true southern charm and lowcountry appeal.  Visit historic downtown and spend the day walking into local shops and art galleries.  For more information visit http://www.beaufortsc.org/

Tybee Island, Georgia

Known as Savannah's beach, Tybee Island is a quiet beach town free from the hustle and bustle of most beach vacation spots.  See the famous lighthouse and take a dolphin tour! To find out more visit http://tybeeisland.com/

Mountain Adventures:

Hendersonville, North Carolina

Just a half hour from trendy Asheville, Hendersonville is a quieter cousin to the artsy city. Visit the quaint downtown and find all of the Hendersonville Bears that decorate the space.  Enjoy beautiful views and local farmers markets. For more information visit http://visithendersonvillenc.org/

Blue Ridge, Georgia

90 miles north of Atlanta is the mountain town of Blue Ridge.  Blue Ridge is packed with outdoor adventure including hiking, waterfalls and trout fishing. For a more relaxing source of fun ride the Blue Ridge Scenic Railway.  Find out more at http://www.blueridgemountains.com/

Apps for Home Buying

Buying a new home has gone high tech! With your handy smartphone you can find tons of information that will help your home buying process.  Make sure to download these apps before you go shopping!

1. Home Search Apps

Home search apps like Zillow and Realtor.com provide up to date real estate information such as price, square footage, location and home description.  You can specifically look for new homes to make your search even easier.

2. Dwellr

Dwellr is an app that lets you know about the neighborhood your potential home is located in. Using Census data you can find out some demographic information about the community around you.

3. GreatSchools

Learn about the schools your home is zoned for with this helpful education app. Schools are rated and compare to other schools in the area.

4. Houzz

Interested in how to outfit your new home? Find decor ideas on this helpful app full of images of interior and exterior dream homes.

5. Mortgage Calculator by Quicken Loans

Time to run the numbers? Use the mortgage calculator app to calculate monthly payment, estimate your interest rate and down payment.

Care for Your Carpet

Carpet is an often overlooked but important aspect of your home's style.  Stained or dirty carpet can set the wrong tone for your home and with some usual maintenance can be avoided. Here are a few tips to keep your carpet looking new!

1. Use mats outside and inside of your doors to prevent some dirt from coming in. This is a first line of defense for carpet care. Try to remove shoes when indoors.

2. Vacuum high traffic areas daily and all other areas on a weekly schedule.  Vacuuming prevents ground in dirt from cutting and tearing at the carpet fibers. Take your time and make sure each area is cleaned thoroughly.

3. If you notice a piece of the carpet coming loose or unraveling - do not pull! Clip with scissors to remove.

4. UV rays from sunshine can distort the color of your carpet and prematurely age the carpet. Close your blinds when leaving home for the day.

5. Stains happen but it's important to react quickly. Blot the stain to remove as much as possible. If a chemical spot remover is needed follow instructions carefully.

New Housing Numbers are Hot!

The S&P/Case-Shiller home price index released this week showed a national increase in home prices, up by 5% since March.  This brings prices to within 4% of their peak in 2006 - a far cry from the decline of 30% in 2012.

New home sales were up 17% in April - the strongest month in eight years.  What's driving the market? High demand and low supply. Improving economic indicators such as falling unemployment and low mortgage rates are helping to boost sales as well.

So what does this mean for you? If you're in the market for a new home - be prepared and do your research. Get pre-qualified or talk to a lender about a good faith estimate.  Work on any potential credit issues and understand what you will or won't compromise on in a home.

Home prices have been increasing steadily for the last 12 month so the time to buy is now before they increase again!