How to Shop for a Mortgage

A home is one of the most significant purchases most people will ever make. The process is filled with decisions-selecting the right neighborhood, finding the right floor plan, and choosing the right financing. Just as a professional real estate agent can help you narrow down your home choices, a skilled mortgage loan officer can help find the right loan for your personal needs. 

 Make sure your loan officer has your best interests in mind. 

• Do they ask about your goals, in terms of time frames, acceptance of risk, etc?
• Are you being listened to, or is the loan officer presenting his or her preferred products? 
• Are you being given choices in interest interest rates and fees rather than a "one-size-fits-all"

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Anyone Can Enjoy a JPG Mug!

Belle enjoyed her morning beverage in her new JPG Mug! First canine in the mug club!

Fertilize Late Summer and Early Fall

Late summer and early fall are the best times to fertilize shrubs and trees. At this point in the year, woody plants make the most efficient use of the fertilizer’s nutrients, which are absorbed when the roots are actively growing and shoot growth has ceased. Research has shown that early-spring growth depends almost exclusively on nutrients that were absorbed and stored the previous year.

Tip Provided by: Garden Art Design by S & L, LLC