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10-Year Treasury Yield

Why the 10-Year Treasury Yield Matters

The 10-year yield is used as a proxy for mortgage rates. It's also seen as a sign of investor sentiment about the economy. Treasury bond yields (or rates) are tracked by investors for many reasons. The yields are paid by the U.S. government as interest for borrowing money via selling the bond. But what does this mean and how do you find yield information? Treasury Bills are loans to the federal...

Home Décor to Look Out For in 2021

Home Décor to Look Out For in 2021

Even with 2020 in the rear-view mirror, it's fair to assume we'll still be spending a good amount of time at home in early 2021. Here's a roundup of popular home décor and design trends to keep in mind if you plan to redecorate this year, so you can nest with the best. Comfort and functionality 2020 was a year when most of us spent more time at home than ever before. Not only were we confined to our...

Get Your Home Ready for Valentine’s Day

Get Your Home Ready for Valentine’s Day

As the author Melissa McClone wrote, “Life takes you to unexpected places. Love brings you home.” Although this adage almost always holds true, it has extra value on Valentine’s Day. This year have a Valentine’s Day date at home. Here’s how you can fill your home with lovely details of love. Romantic photos Display your wedding photos and other romantic photos around the house then find...

Running the Numbers on Refinancing

Running the Numbers on Refinancing

Deciding whether or not to refinance an existing mortgage typically means running some numbers. You can do this on your own, but it’s helpful to get the professional assistance of a loan officer. It mostly boils down to how much you’ll save each month, but there are other considerations. First, the change in rate isn’t everything. Old school rules say that it’s a good idea to refinance if...

Home Improvement

Home Improvement Decisions You’ll Never Regret

When it comes to home improvement, there are very few design decisions you can make that are sure to stand the test of time. While it can be tempting to opt for trendy renovations (open shelving anyone?), there's no guarantee that the next buyer - or your future self - will share the same preference. We're all painfully aware that the future is tough to predict, but there are a handful of decisions you can...

Signs Of A Rebound? Renters Are Coming Back

Signs Of A Rebound? Renters Are Coming Back

After months of record vacancies, the rental market in New York City is beginning to show signs of a rebound, though discounts still abound. In Manhattan, more leases were signed last month than during any December in over a decade, boosting the median rental price by 1.3% compared to November. Vacancies, in turn, have dropped from a record high of 6.14% in November to 5.52%. The findings, published...

Why Lenders Use Gross Monthly Income vs. Take-Home Pay

Why Lenders Use Gross Monthly Income vs. Take – Home Pay

It might seem strange that mortgage companies use gross monthly income when determining affordability instead of 'take-home' pay. After all, it's the take-home pay that consumers use for their monthly expenses and bills - including the mortgage. But there are a few good reasons why lenders use the gross amount. First, it's universal. Lenders A, B, and C all use gross monthly income to calculate...

What Could 2021 Mean for the Housing Market

What Could 2021 Mean for the Housing Market?

This year has been nonstop uncertainty. The coronavirus pandemic led to shutdowns and major changes to our everyday lives. Those changes are likely to continue as we head into winter. Cities have been hard-hit, not only in terms of public health, but also economically. Despite everything, the housing market is one thing that's been consistently strong this year. So, what do experts think next year will...

Last Minute Tips for Winterization

Last Minute Tips for Winterization

It’s not too late to address a few home maintenance musts before winter fully sets in. Here’s a list of last-minute winterization tasks to knock out before you go into hibernation mode. Check and clean the gutters one last time. As the last leaves have fallen, take time now to make sure your gutters are completely cleared out. Blockages can create ice dams, which will damage your gutters and prevent...

Outdoor Space this Winter

Make the Most of Your Outdoor Space this Winter

Colder weather ahead doesn’t mean you have to forfeit your precious outdoor space. This year especially, you’ll want to enjoy your backyard or balcony as long as possible. Here are some tips to make the most of your space this fall and winter. Clean up ahead of winter Spruce up your yard to create an outdoor environment you’ll be motivated to enjoy. Take time to clean up and dispose of leaves and...

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