Selling Your Home During Winter

Many people believe winter is the most undesirable time to sell your home, but this doesn’t have to be the case. If you know what to expect, you can have just as much success selling your home during winter than you would any other time of year. Don’t be afraid to list during wintertime.

Who’s Buying in During Winter?

In many cases, you’re likely to see more serious buyers in winter than in spring and summer where it’s more popular to look for homes even casually. There are a whole host of reasons someone may be looking to buy a home during winter, some of which come with increased urgency to find a home such as job relocations, an expiring lease, or a contract on their current home. If someone is willing to battle cold and sometimes inclement weather to see your home, it’s probably because they’re serious about buying. The weather can help your home sell faster, too; people are less likely to want to look all over town for a home when it’s cold or snowy which means they may be more likely to choose one of the first homes they see that fits their needs.

The Internet is Your Friend

Virtual listings and showings are always important but especially are during the winter months when it’s cold and gets dark earlier. This is even more so the case now in the wake of COVID-19 with fewer people venturing out. Be sure to get your home on as many listing sites as you can to increase its visibility. Make sure your listing description is thorough and engaging. Depending on scheduling, you may find most of your showings are at dusk or after dark; talk to your realtor about considering a virtual 3D walkthrough to fully showcase your home during the daytime for interested buyers.

Know How to Prepare and Stage Your Home

Prepping and staging your home for its online listings and open houses is always an important part of the selling process. There are some particulars you should keep in mind when selling during the winter months. Winter can be dreary, so let in as much light as you can. If you’re going to be holding in-person showings, ensure all walkways are cleared if it snows and be sure to keep the temperature inside warm and comfortable for visitors. When it comes to decorating for the holidays, keep it simple and tasteful; potential buyers want to envision themselves in your home year-round, not just at the holidays. Make your environment cozy and inviting; you can even consider offering coffee and hot chocolate to prospective buyers.

There’s no need to be afraid of selling your home during the winter months. If you’re preparing to sell your home, you’re probably thinking about buying, too. Contact one of our experienced Loan Officers today to learn more about financing options.

4 Easy Steps to an Organized Garage

Your garage can serve many purposes, but not if it’s full of clutter. A recent study showed that only 30% of homeowners with garages use them to store their vehicles, because they are just too full! If your garage is cluttered, the good news is that this is a project you can tackle yourself at little to no cost to you.

Step 1: Purge Unnecessary Items

Set aside a few hours or a whole day to go through absolutely everything in your garage. Sort items into four separate piles – items to keep, items to sell, items to donate, and items to trash. Make plans to drop off donations and sell anything you’d like to right away, so you can free up that space for your “keep” pile. Put the trash out immediately, or schedule a trash pick up or take a trip to your local dump as soon as possible if it’s too much for your regular trash service to take.

Step 2: Decide Which Keep Items Stay in The Garage

Some items should not be stored in a garage. Move anything from the list below to a safer spot in your home or yard!
Paint Cans: Extreme cold or heat can ruin the paint. It’s best to store cans in a temperature controlled area.
Propane and Other Fuels: Experts recommend keeping these outside and away from your home, since a small spark could ignite them.
Paper goods and Pet Foods: These can attract pests and small animals to your garage. They are safer when stored indoors.
Extra Refrigerator: This can be a huge energy drain in spaces that are not air-conditioned, and is better off indoors if possible.


Step 3: Make the Most of Your Storage Space

Sort your “keep” pile, such as lawn and garden, bikes or sports equipment, tools, seasonal items, etc. Then start storing it all! Wall hooks and open shelves are an inexpensive way to add lots of extra vertical storage space in your garage. Clear or labelled bins are great for grouping and storing smaller items. Clear jars are perfect for keeping track of very small items like nuts and bolts. Wall hooks and baskets can hold all sorts of items, from bikes and hoses to flowerpots. Large items such as lawnmowers should go against walls or in corners to avoid bumping into them with your vehicle. It’s a good idea to store frequently used items closer to the garage door for easy access, while seasonal items can be stored out of the way until they are needed. The garage ceiling can be a great spot for flat, infrequently used items like sleds and beach chairs, just be sure they are placed out of the way of your garage door and high enough not to scratch the roof of your car.

Step 4: Safety Counts!

It’s a good idea to keep a fire extinguisher mounted or easily accessible in your garage, in case of emergency. A carbon monoxide detector can add additional peace of mind (even though you should never leave your car running with the garage door closed!).

Considering moving or refinancing in the near future? If so, one of our experienced Loan Officers would love to help!

5 Tips to Make the Most of Thanksgiving 2020

1 Decorate and dress up to make the day feel special, even
if you’re celebrating with a smaller group or by yourself
this year.

2 Relax and watch the Macy’s Day Parade. It will look a
bit different this year with no crowds, but the tradition
continues nonetheless!

3 Try outdoor dining and activities as a safer way to gather
with friends and family. Picnic tables and cornhole might
just become new holiday favorites.

4 Adjust your Menu. With many of us having much smaller
gatherings than usual this year, it’s a great time to take it easy and
keep the meal simple. On the other hand, it’s also an opportunity
to test out fun new recipes in smaller batches!

5 Use Facetime and Zoom to “party” with your friends and
relatives who are out of town and may not be able to travel this
year.

Source: https://www.goodhousekeeping.com/holidays/thanksgiving-ideas/g34450121/quarantine-thanksgiving-ideas/

Here at First Home Mortgage, we continue to provide the highest level of customer service while adhering to social distancing guidelines. Our innovative communication technologies allow us to exceed your expectations while keeping everyone as safe as possible. If you are considering purchasing or refinancing a home, please contact one of our Loan Officers today!

5 Tips for a Safe & Spooky 2020 Halloween

1. Choose Outdoor over Indoor Activities

The CDC recommends outdoor over indoor activities as a safer alternative to indoor activities this Halloween. Some popular safe suggestions are pumpkin patches without hayrides, outdoor costume parades, reduced contact trick or treating, and small outdoor gatherings. Indoor costume parties and haunted houses are considered to put you and guests at a higher risk of sharing germs.

2. Plan for Social Distancing

While outdoor events are certainly safer, it’s still important to practice social distancing as much as possible. If you are visiting a pumpkin patch, try and leave space between your party and others. If you or your children are participating in a costume parade, make sure each contestant stays 6 feet apart. The same goes for any small gatherings you may attend or host. The CDC recommends even greater distance for any events scary enough to get guests screaming, as this could potentially send germs flying even further. For trick or treating, setting out treat bags or candy bowls for children is a great option to spread joy while keeping your distance to prevent the spread of germs!

3. Mask Up!

Halloween is a time when both fun and frightening masks are already common! The CDC suggests that decorative masks are not a safe substitute for medical masks, and that a medical mask should still be worn in any sort of public space, and for trick or treating, even if it’s underneath a costume.

4. Keep Sanitizing

When out and about for holiday fun, remember to wash your hands frequently and use hand sanitizer after making contact with surfaces. This is particularly important when visiting pumpkin patches or orchards where others may have touched produce right before you, and if you are going to door and knocking or touching doorbells. The good news is that candy is not thought to be a high-risk factor for the spread of COVID, so parents don’t need to worry about disinfecting it all once they get their little ghouls and goblins back home!

5. Stay Local

The CDC recommends staying within your own local community as much as possible this year, to prevent possibly spreading COVID between different areas. We are also all advised to take our local directives into account, and base our activities around the prevalence of outbreaks in our areas. Someone in an area with no known incidences, for example, has a wider range of safe activity options than a person in a highly impacted area. Some extra cautious suggestions for Halloween fun are yard decorating, virtual costume parties or contests, pinatas at home or scavenger hunts distanced around neighborhoods, and a good old-fashioned pumpkin carving or scarecrow making.

Whatever your situation looks like this Halloween, we can all still honor traditions and make spirited holiday magic while keeping ourselves, loved ones and communities safe. Wishing everyone a safe, fun and very Happy Halloween, from First Home to your home! Find more information on current CDC guidelines here.

Here at First Home Mortgage, we continue to provide the highest level of customer service while adhering to social distancing guidelines. Our innovative communication technologies allow us to exceed your expectations while keeping everyone as safe as possible. If you are considering purchasing or refinancing a home, please contact one of our Loan Officers today!

Tips for Babyproofing Your Home

Welcoming a new bundle of joy into your family is an exciting milestone, but as they get older and more mobile and curious, it’s important that you make sure your home is safe. Babyproofing, or kid-proofing, your house is a great way of minimizing risk and ensuring your little one stays healthy and safe. Here are some helpful tips for how to best babyproof your home.

Secure Furniture and Décor

Your child may be small, but in many cases, it doesn’t take much to tip over a large piece of furniture which can severely injure them. Heavy and large pieces such as dressers, book shelves, TV stands, and TVs are particularly at risk of toppling over. To avoid this, anchor this kind of furniture to the wall. Make sure heavy picture frames and other décor are properly hung so you don’t risk having them fall. Avoid placing items on tables using tablecloths and runners as your child may be able to pull on them and knock things off. Putting corner guards on furniture can also protect your child from hurting themselves if they bump into something.

Protect Against Water and Electricity

Water and electricity pose a drowning, burn, and shock risk. Cover all electrical outlets and avoid leaving cords within your baby’s reach. To minimize the chance of your child pulling on cords, try keeping furniture in front of plugs so they’re less accessible. Avoid using power strips unless they’re kept up high and out of you little one’s reach. When it comes to water, restrict your child’s access in order to minimize drowning risk. Keep toilet lids shut and consider buying a lid lock to ensure they can’t open it. Never leave water in the bathtub after bath time. While sinks are generally too high up to be accessed by your baby, you can use handle locks so your child can’t turn on the water by themselves. Make sure your water heater is set to no higher than 120 degrees to prevent scalding and burns. It’s also important to keep electrical items away from water so there’s no electrocution risk.

Beware of Choking Hazards

Putting things in their mouth is one of the ways young children start to explore the world. If your little one gets their hands on something small, they can, and often will, try putting it in their mouth which presents a serious risk of choking. Toys with small parts, jewelry, batteries, nails and bolts, magnets, push pins, paperclips, and coins are just a few of the everyday items that can pose a choking risk. Make sure these are out of your child’s reach and check between cushions, under rugs, and on low surfaces to double check that nothing hazardous is still accessible. Medications, chemicals, alcohol, soaps and detergents, and paint not only pose a choking risk, but a risk of poisoning as well, so be sure they’re secured by keeping them up high when possible and always locked away.

Restrict Where They Can Go

Even when you try your hardest, your busy life can make it difficult to keep eyes on your little one at all times. When set up correctly, baby gates are a great way to make sure they stay safe and are only able to access certain rooms. Keep doors that lead outside locked (using top locks and bolts when available) and use doorknob covers to stop them from opening doors they shouldn’t.

Don’t Forget About the Outdoors

When it’s done right, babyproofing should make it all but impossible for your child to make it outside on their own. However, you should still do what you can to make your yard and surrounding areas safer should they somehow end up outdoors. Make sure landscaping equipment is put away and secured. If you have a pool, it’s essential that it be fenced in and have a locked gate. There are even pool alarms you can get that will sound when someone enters the water should your child manage to make their way to the pool.

Go Room by Room

Check out every room of your house to ensure all potential hazards have been taken care of. Getting down on your hands and knees can help you view a space from your child’s perspective and may uncover risks you wouldn’t have noticed otherwise. From there, you can create a list of things to do and buy to make each room safe. There are many online guides that detail safety tips by room, like this one from SafeWise.

Make Sure Your House is Safe for Everyone

Beyond the typical child-proofing measures you can take, you should ensure your home is safe for everyone in it. Make sure smoke and carbon monoxide detectors have fresh batteries and are functioning properly. Have your home utilities and systems periodically tested and serviced to ensure they’re in working order. Keep a fire extinguisher in your kitchen or near the fireplace. Consider adding a home security system. The more you do to ensure your home is safe, the happier and healthier your whole family will be, including your child.

Are you puppy proofing instead? Check out our blog on how to pet proof your home here.

Home Decorating Ideas for Fall

Now that fall is officially here, it’s time to start thinking about switching up your décor to fit the new season. Check out these ideas for decorating your home this autumn!

Try Out Different Patterns

Beyond the traditional red, orange, and green color palettes, fall is a great time to play around with various patterns. Plaid and tartan are very popular for fall and allow you to use different and often unique color schemes.

Let the Light In

As it starts getting dark earlier, you’ll likely find yourself using additional light sources more often in place of waning natural lighting. Use candlesticks on your dining room table and spread scented candles around your home. String lights are another fun way to add light to any room or outdoor space.

Up Your Cozy Factor

As temperatures begin to drop, many of us start spending less time outside and more time bundling up indoors. Use blankets and pillows as accent pieces in your home. This can be a great way to utilize interesting patterns and colors in an eye-catching yet functional way.

Bring the Outside Indoors

Fall is one of the most visually striking seasons. Bring a piece of the lovely fall foliage inside by displaying leaves, acorns, and pine cones in some way; try creating a wreath or using them in a table spread. Flowers aren’t just for spring and summer; there are some beautiful flowers that bloom in fall. Mums, pansies, marigolds, black-eyed Susans, and asters are just a few of the fall flowers that can enhance the look and feel of your home. When it comes to decorative fall produce, we all know pumpkin is king. While they’re definitely a great option, don’t be afraid to think outside the pumpkin-shaped box and explore other types of produce such as flint corn, corn husks, gourds, and apples. These can be a beautiful addition to your front porch or a table centerpiece.

Go Online for Inspiration

Thanks to the internet, we have seemingly endless information at our disposal. There are so many places online where you can source decorating ideas. Pinterest is a great place to start for visual inspiration but there are countless other sites and blogs you can browse. Check out HGTV’s favorite fall decorating ideas and Country Living’s best fall decorating ideas to turn your home into a seasonal escape.

Have Fun with It

Regardless of whether you stick with traditional fall decorating motifs or try something new, the most important thing is that it makes you feel like the look of your home is elevated and helps you embrace and celebrate the new season. If you have kids—and even if you don’t—you may want to emphasize the “spooky” aspects of fall and things associated with Halloween such as ghosts, witches, mummies, vampires, jack-o-lanterns, and even candy. What matters most about your decorating is that it makes you happy!

If you’re interested in buying a new house or refinancing your current home, contact our experienced loan officers today for more information!

Pet-Proofing Your Home by Room

When a new furry friend enters your life, it doesn’t take long for them to become an important member of the family. Animals, especially young ones, can be very curious and easily get into things they shouldn’t. It’s important that you take steps to protect your pet from hazards in your home and from potential damages caused by your pet. Here are some tips for pet-proofing different areas of your home.

Throughout the Home

In many ways, your pet is a lot like a little kid. Think about the steps you’d take to make your home safe for a child. If there are areas of your home you don’t want your pet to access, consider using a pet or baby gate to restrict where they can go. You may even want to use childproof latches to stop them from using their paws to open cabinets and drawers. Like you would for a child, beware of small items they can easily swallow such as batteries, coins, magnets, buttons, paper clips, and anything with small removable parts. Try keeping electrical wires and cords out of your pet’s reach so they can’t chew through them, or at least try making a habit of unplugging things when they aren’t in use to minimize the risk of electrocution. The tidier you keep your house, the less likely your pet is to get into something they shouldn’t. When it comes to house plants inside and out, do your research; some flowers and plants (including lilies, tulips, and azaleas) are poisonous to animals and can make your pet critically ill. The ASPCA has a list of toxic and non-toxic plants you can review.

Kitchen

Keep your food up high and secured where you pet cannot access it. The ASPCA has a list of food to avoid feeding your pet so you can take extra care securing foods that are more likely to make your pet sick. Beyond the well-known chocolate, these foods include avocados, onions and garlic, grapes and raisins, coffee, nuts, salt, and gum. Even when a food isn’t harmful to your animal, the wrapper or packaging it comes in could be. Watch out for little things like twist ties and can tabs that your pet could easily swallow. For extra safety, you may want to use a gate to keep your pet out while you’re cooking so they don’t get under your feet and they stay away from any hot surfaces or open flames

Laundry Room

Always check to make sure your pet hasn’t gotten into the washer or dryer before loading them. Keep laundry detergent, bleach, and other chemicals up high and out of reach. It’s best to keep your laundry in a basket to minimize the risk of your pet chewing on or even swallowing small articles of clothing such as socks. When swallowed, things like strings and buttons can cause digestive issues.

Bathroom

Keep any and all medications, soaps, cosmetics, and cleaners up and out of your pet’s reach. Make sure your toilet lid is kept closed to stop your pet from drinking from the toilet. Don’t leave your pet alone when there’s water in the tub or shower to prevent drowning.

Living Room

If your pet is particularly rambunctious, you may want to secure your furniture to the wall to avoid potential tip overs which could injure your animal or someone else nearby. If you have children, keep their toys tucked away when not in use so your pet can’t chew on or swallow them, especially small toys. If you’re concerned about your pet damaging upholstery, there are couch and chair protectors you can buy so they can’t scratch or chew your furniture.

Bedrooms

Keep your clothes and shoes out of your pet’s reach so they don’t have an opportunity to chew on them. Be careful what you leave on nightstands if it’s at eye level or within swiping reach of your animal. Make sure your pet isn’t sleeping in any drawers or closets before closing them. If you have a very small or senior pet that sleeps in bed with you, you may want to purchase a ramp or set of steps to help them get into bed easier.

Outdoors

If your pet has access to a pet door, it’s essential that you have a fence or other barrier in place to keep them within your yard. Check your fence for any gaps or holes where your pet might be able to get through. Be careful and follow directions when using pesticides and other chemicals as these can make your pet sick if they come in contact with them; keep your pet inside when working with chemicals outside and store all chemicals up high and away when not in use. After your pet has been outside, especially in tall grass, it’s important you check them for pests such as fleas and ticks.

Are you looking to purchase a new home or refinance your current home? Reach out to one of our loan officers today to get more information!

Tips for Selling Your Home During a Pandemic

The outbreak of COVID-19 has changed the way we do most things, real estate included. While it may not be the most ideal time to sell a home, it’s also not a bad time. Demand for homes is up, and with mortgage rates near all time lows, many interested buyers are jumping at the chance to find their dream home. Here are some tips for safely selling your home during a pandemic.

Offer Virtual Tours

A virtual tour could consist of anything from a simple live walkthrough with an agent to a full 3D recorded house tour. These in-person walkthrough alternatives allow a potential buyer to really get a feel for what a house is like without physically stepping inside. Ask your realtor for more information about how to set up virtual tours of your home.

Don’t Forget About Staging

Staging is an incredibly important part of the home selling process, but not everyone wants a stager entering their home during this uncertain time. Some professionals are offering virtual staging services where they can seamlessly add décor to images of your home digitally. If virtual staging isn’t for you, consider taking a DIY approach and staging your home for photos or videos yourself. Items such as blankets and throw pillows, mirrors and framed art, plants, and decorative containers can really elevate the look of a room. Check out these helpful DIY room staging tips from HGTV.

Use the Extra Time in Your Home to Transform Your Space

Most of us are spending more time than ever in our homes. Take advantage of this time by tackling some home improvement projects. Transform unused space in your home into a spare bedroom, home office, or gym. Upgrade your backyard to include a patio or garden. Build the fence you’ve always thought would elevate your outdoor space. The possibilities are seemingly endless.

Take Extra Precautions for Face to Face Showings and Meetings

While it’s great to have virtual options, they aren’t always going to be the best choice for you depending on your unique situation. When welcoming people into your home, be sure to sanitize before and especially after. In their Coronavirus guide for Realtors, the National Association of Realtors offers guidance for what to do before, during, and after in-person showings. First and foremost, you should check state and local mandates and executive orders for any specific requirements regarding in-person showings. During the showing, they suggest maintaining social distancing, limiting the number of people who may attend at one time, hand washing and sanitizing as well as removing footwear at the start of the tour, discouraging the touching of any home surfaces such as handles and light switches, and avoiding handshaking. If possible, keep a log including names, dates, and locations for contract tracing purposes should someone contract COVID-19. Following a showing, you’ll want to wipe down all surfaces visitors came in contact with. For more suggestions, check out our tips for disinfecting your home.

If you have questions regarding financing your home now or in the future, don’t hesitate to reach out to one of our experience loan officers.

How to Get Your Home Ready for Renters

Owning a rental property can be a great investment, but do you know how to properly prepare a space for tenants? Check out these tips for getting your home ready for renters.

Give It a Thorough Cleaning

It’s essential that you clean your house prior to renting, ideally when looking for renters but certainly before anyone moves in. This should go beyond your regular cleaning routine and get to things that are easily neglected or put off such as cleaning carpets, changing air filters, and scrubbing baseboards. You can do it yourself or hire a cleaning company; all that matters is that the job gets done well and from top to bottom.

Perform Inspections

This is another task you can do yourself or leave to a professional so long as it’s done correctly and thoroughly. Inspect your home and everything in it to be sure everything functions properly and is move-in ready. Make sure the structure of your home is in good shape; check out all your ceilings, windows, roofing, floors, doors, walls, systems (plumbing, HVAC, electrical, etc.), and other structural components. Keep an eye out for mold, cracks, and water damage. If the rental comes furnished, make sure there aren’t any issues with furniture on top of checking that all of the appliances are working properly. If you uncover any problems, be sure to have them fixed as soon as possible.

Spruce Things Up Inside and Out

Even if everything works fine, you may find there are still improvements to be made. Lay a fresh coat of paint on all your walls, do some landscaping outside, update lighting fixtures, and make other changes to refresh the space. You can even consider upgrading countertops, cabinetry, and appliances. While improvements and renovations can get expensive, they can also increase the amount of rent you can charge as a result.

Make It Safe

A potential renter wants to know they’re living in a safe and secure home. Be sure to change the locks, make sure all smoke detectors are in working order, and equip the kitchen with a full fire extinguisher. If you don’t already have one, consider installing a security system. Installing motion sensor lights outside is an easy way to give your tenants more peace of mind when they walk outside at night.

Check Your Mortgage for Additional Requirements

Depending on your lender and mortgage type, you may be required to notify your mortgage company before renting out your home. These requirements should be listed in your loan contract; consult a loan officer if you have any questions. You may need to follow up with information about the tenant or provide proof of additional insurance if stated in your contract. When in doubt, contact your lender.

If you’re interested in buying a rental property or have questions about renting your mortgaged home, reach out to one of our experienced loan officers to learn more!

Things to Consider Before Buying a Vacation Home

Vacation homes can be a great investment, whether you plan to use them to rent out, for after retirement, or simply to stay in on vacations. Buying a second home is a big decision, and it’s imperative you take the time to consider the various financial and lifestyle implications associated with this big purchase. Here are a few questions you should be asking yourself when contemplating buying a vacation property.

Can I Afford It?

Whether or not you can afford a vacation home should be your top concern before seriously pursuing the idea. Think about the state of your finances. Are you saving enough for retirement and any emergencies? Do you have enough for a down payment? Can you still meet your other important long-term financial goals? What is your debt-to-income ratio? A debt-to-income ratio is calculated by adding up all your monthly bills and dividing them by your monthly pre-tax income. The lower your debt-to-income ratio, the more income you have to save and spend on other things and the more likely a lender is to let you borrow money. When you look at all your outstanding debts—the rent or mortgage for your primary residence, student loans, any alimony or child support, other recurring payments—do you have enough to live on if you add in a new vacation home mortgage? If your debt-to-income ratio is on the higher side, it’s probably not the best time to buy another home.

Beyond the mortgage, it’s important to take into account the other expenses you would incur. Even if you’re only staying in the home part-time, you’ll still have things like utilities, possible HOA dues, insurance premiums, maintenance fees, taxes, and other bills and expenses to take care of all year long. Can you afford to pay these bills for a vacation home on top of your primary residence?

Is This the Right Location?

When it comes to a vacation home, you could pick just about anywhere in the country or even the world to buy. Make sure wherever you pick is somewhere you really like and either see yourself visiting often or believe will have lots of demand for renters. Consider visiting and renting in your desired location a few times in order to better gauge whether it’s the right place to put down roots more permanently. You should also think about localized taxes and ordinances that may be different than what you’re used to at your primary residence.

Why Do I Want to Buy a Vacation Home?

Sure, we’d all like to have a vacation home, but it’s important to ask yourself why exactly you want one. Is it somewhere you’ll visit regularly? Will you be saving money by owning instead of renting when vacationing? Are you buying it as an investment property to rent out? Is this where you’d like to retire someday? Will you get enough use out of it now or in the future to make it a worthwhile purchase? Having another home may seem ideal in theory, but it’s not always the most practical decision depending on your lifestyle and needs. It’s important to weigh the pros and cons of vacation homeownership before making a decision.

Is This the Best Time to Buy?

Avoid buying a home during peak tourist season, be it winter for a mountain property or summer for something by the water. Current owners are likely looking to recoup their investment during the busy season and are less likely to put homes on the market. Wait for the final weeks of peak tourism or later. For properties with summer as their high season, the time between Labor Day and Thanksgiving is perfect to search for your dream property as you take ownership early enough to get an idea of what future summers might be like and still make repairs and do maintenance work before winter sets in. For winter vacation homes, aim to search in the spring (but don’t wait too long to start looking, as some particularly remote properties may get boarded up for the summer months).

If you’re thinking about buying a vacation home, reach out to one of our experienced loan officers today to explore your financing options!

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