When mortgage rates drop to near historic lows like recently, many homeowners start thinking about either refinancing their current homes or buying a new one.  

According to Freddie Mac and the National Association of Homebuilders, mortgage rates are expected to hover around 3 percent this year. The National Association of Realtors projects the rate will reach 3.2 percent in 2021, and Wells Fargo believes rates will be around 2.89 percent. All these numbers are attractive for both new home buyers and those looking to refinance. 

There are benefits and pitfalls to both that a knowledgeable and professional agent can communicate to put you in the best position possible.  

Despite it being a seller’s market where home prices in many regions are skyrocketing, you could still manage to land the home of their dreams without breaking the bank.  

However, if you aren’t up for getting into possible bidding wars, are still content in your current home, or need to squeeze some money out of your monthly budgets, refinancing can provide some benefits. 

To help you clients determine whether they should buy now or refinance instead, here are some essential considerations to share. 

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Shipping-Container-Life

Shipping containers; you seem them, a lot. From on the road to rail and water, these large steel containers appear as giant Lego blocks, packed with goods that keep us and the world moving. It brings us to the question, have you thought about what’s inside of them? Or better yet, did you ever imagine living inside of one? Okay, chances are the idea has never crossed your mind, but calling a container home is very real.

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end of winter checklist photoLocal weather forecasts keep teasing us with milder days, which can only mean one thing — spring isn’t too far away!

But before you celebrate by packing away the sweaters and dusting off the lawn furniture, remember…we live in northeast Ohio. Besides, we still have February to get through. So, climb out of that saddle, cowboy. It ain’t over yet.

Fortunately, there’s plenty you can do to keep busy during the last month or so of winter that will give you a leg up on your spring cleaning. Here’s a checklist of things to do that don’t require going outside in the cold. Continue reading

As Ohio and pretty much all of the United States that aren’t California endure some truly chilly temps, keeping warm is the name of the game. The first solution is obvious: juice up the thermostat. But do you really want to pay that extra high utility bill?

Sometimes you just have to swallow your pride and layer up when the wind chill drops the mercury below zero degrees. Here are some ways you can keep warm during the most frigid temperatures without turning up the heat.

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