New Year, New Home

A Moment of Reflection For The New Year

A New Year has a way of breathing new life into us. The thought of being able to leave everything in the past and begin anew is invigorating. We set resolutions and goals. We talk about what we want to accomplish in the upcoming year for business and personal. The end of one year and start to another gives us time to reflect on what we would like to see different or maybe just reaffirm the path that we are already on. My resolution in my business is to continue to serve my clients on a personal level. To consistently exceed expectations and earn their trust and confidence. Such trust that they are thrilled to tell friends and family! Thank you for your continued trust in me as your Realtor® and cheers to a prosperous and successful 2020!

Mortgage Minute

Mortgage Predications for 2020

Mortgage interest rates have been going down in 2019—steadily dropping below 4% for common types of loans. In 2020, economist geeks ha! think interest rates will stay around 3.7% for a 30-year mortgage and 3.2% for a 15-year mortgage. But this is never a guarantee because things like tariffs and trade wars might gradually shift the economy, which could result in the Federal Reserve slowly increasing interest rates to balance things out. What Lower Rates Mean for Sellers– If interest rates stay low, buyers will be more motivated to buy your home sooner than later. But if interest rates do start to increase later in the year, just plan for your house to be on the market a little longer. What Lower Rates Mean for Buyers-More buying power! Simple as that. You live in the payment, not the purchase price and lower interest rates allow for more home.

What To Expect In 2020

What’s Ahead For The Housing Market

When closing out another year, it’s normal to wonder what’s ahead for the housing market. Though there will be future inventory issues, we expect interest rates to stay low and appreciation to continue. According to Skylar Olsen, Director of Economic Research at Zillow “If current trends hold, then slower means healthier and smaller means more affordable. Yes, we expect a slower market than we’ve become accustomed to the last few years…consumers will continue to absorb available inventory and the market will remain competitive in much of the country.” As we can see, we’re still going to have a healthy market. It is forecasted to be a more moderate (or normal) market than the last few years, but strong enough for Americans to continue to believe in homeownership and to capitalize on the opportunities that come with low interest rates.

Have any additional questions on what to expect in 2020? Give me a call! 616-588-3625

Home For The Holidays

Happy Holidays!

Thanksgiving and the Black Friday craziness seem like ages ago as we dive into the last month of 2019. Where has this year gone? Overcast days and powdery snow covering our lawns for the unforeseen future will be our new norm. But you know what? It’s hard not to love it this time of year anyway. As we stare into a new year, let’s take a final dive into the housing market and how 2019 has shaped up. And of course, some killer holiday tips and tricks for my travelers and even those who are taking the leap and hosting the whole gang this year. Merry Christmas and Happy New Year! ~Alicia

Mortgage Minute

With mortgage rates at a three-year low and a healthy job market, housing affordability rose to its highest level in three years in the third quarter of 2019, according to the National Association of Home Builders. In all, 63.6 percent of new and existing homes sold between the beginning of July and end of September were affordable to families earning the U.S. median income of $75,500. The national median home price remained steady at $280,000 in the third quarter, flat from the previous quarter, but significantly higher than in the first quarter ($260,000). At the same time, average mortgage rates fell from 4.07 percent in the second quarter to 3.73 percent in the third quarter, reaching a three-year low.

Cue Super Host

Having the whole gang over for the holidays this month? Here’s what you need to know to knock it out of the park. 1. Take Inventory Of Your Serveware: Open up your cabinets, peek into your closet — Knowing which trays, bowls, and platters you have on hand at the beginning of the season will help you know what you may need to buy or borrow. 2. Use Tools That Will Speed Up Clean Up: To maximize time spent hanging out with friends and family, it’s essential to find ways to make kitchen clean-up easier. Lining baking sheets with parchment paper will let you roast vegetables without fear of any burnt, stuck-on bits needing a long soak. 3. Let Guests Help Out With Breakfast:  After cooking up a holiday meal the night before, you might not want to spring awake and make a big breakfast the next morning. But if you have overnight guests, they’ll probably appreciate something more than coffee when they wake up. The solution: let guests pitch in at an egg scramble bar! Set out some toppings (cheese, bacon, even leftover roasted veggies) and let guests go to work! 4. Serve Up A Drink Everyone Can Enjoy:  A big pitcher of iced tea is your secret to satisfying kids and adults alike. Pair with a bottle of infused simple syrup (I tend to go with something fun and floral like lavender) to appeal to those with a sweet tooth, or a bottle of bourbon for anyone looking for something boozy. **Cough, Cough** Aunt Judy, I’m talking to you!

5 Things You Must Do With Your Garden NOW

Summer Is In Full Bloom

Marigolds

Summer will be here before you know it (you may be feeling it already) and this means long, hot days and bright, cheery flower gardens. You may think you should have already done this during our spring months BUT no need to worry, there are still flowers you can plant that will withstand the heat and thrive during this time of year. Read on for my favorite list of the best flowers to plant during the summer and how to keep them going all season long.

Garden Genius

Michigan often has a cool spring, with June being the real start of the gardening season. Here is what to do in your garden in June:

• Add tender annual wildflowers and bulbs to the garden once the danger of frost has passed.

Tulips

• Give your houseplants a much-needed dose of sunlight and bring them outdoors for the summer.

• Prune spring-flowering trees and shrubs as they finish blooming.

• Weed and add mulch to garden beds as needed.

• Deadhead any spent spring-flowering bulbs like Daffodils and Tulips, leaving most of the foliage in tact until they die back

Top Flower Picks

It’s hard to find a flower that’s more cheerful than the classic Marigold. Available in bright, warm yellows and oranges, Marigolds are a must for your summer garden. These flowers require lots of sunshine and very little maintenance. Second on the list is the Lantana. These low-maintenance flowers come in a wide array of colors, including red, yellow, orange, pink, and purple. They’ll bloom all season long and are extremely drought tolerant, making them the ideal summer flower to really make your garden pop. My personal favorite is the Black-Eyed Susan.These flowers are usually bright yellow with brown, fuzzy centers. They are especially fragrant and attract butterflies and birds, including hummingbirds. Growing up to 3.5 feet tall and being drought-tolerant, these are the perfect summer flower to plant in any garden.

Home Inspector Words of Wisdom

Landscaping Done Right

We can get caught up in beautifying our outdoor space, but there are some things we can’t forget when it comes to the exterior of our homes. In a nutshell, no vegetation should be allowed to touch the exterior cladding or foundation or to obstruct a window view. Ideally, a minimum of twelve inches of clearance should be maintained between shrubs and exterior cladding and windows to prevent moisture from being trapped against the building structure, which may promote rot on and beneath vulnerable exterior components.

The more you know.

Top 3 Vegetable Garden Tips For May

Finally warm temperatures are here to stay and you don’t have to worry about that frost. You may think it’s too late to grow all your favorite vegetables from seeds, but warm May temperatures have made the soil perfect for sowing seeds. Warm soil will allow for fast germination and growing plants!

Good choices are summertime kitchen garden staples like squash, beans, cucumbers and melons. Fresh, crisp peppers are a garden favorite. Peppers take up little space and can produce high yields when planted close together. May is not too late to plant as many different varieties as possible! They come small, big, hot, mild, and an array of different colors. Throw one in your next homemade guacamole recipe.

Nothing to Guac About

Heavenly Guac

2 avocados, peeled and pitted – 1 cup chopped tomatoes

1/4 cup chopped onion – 1/4 cup chopped cilantro

2 tablespoons lemon juice

1 jalapeno pepper, seeded and minced

salt and ground black pepper to taste

Directions

Mash avocados in a bowl until creamy.

Mix tomatoes, onion, cilantro, lemon juice, and jalapeno pepper into mashed avocado until well combined; season with salt and black pepper.

Top Tricks for the Best Tomatoes

Fresh tomatoes from the garden are the perfect compliment to salads, sandwiches, burgers and well, pretty much anything! May is the time to transplant your tomatoes if you haven’t already. Make sure to transplant to an area that gets full sun. To encourage a strong plant, bury at least two-thirds of the stem when planting. Tomatoes like full sun and plenty of water,

at least 1 inch per week. Always water the base of the plant and not the leaves. Tomato plants do best in a crumbly, loamy soil with a pH of 6.2 to 6.8. To retain moisture and deter weeds, add 2 to 4 inches of mulch around the tomato plants. Tomato plants need to be staked, so use a stake, cage or trellis when you transplant the seedlings so not to damage the plants later on.

Top 3 Outdoor Spring Tasks For Your Home

The sun is out, the temperatures are warming and it’s time for us to get outside! While spring calls for hiking, walks in the park & lounging on the patio, we can’t forget to care for the exterior of our homes. After all, it’s the biggest investment the majority of us make. But where to start? Here’s a list of the 3 BIGGEST things we need to care for and maintain.

Siding Me Up!

You can use a garden hose and long handled scrub brush to clean the outside of your house, but a pressure washer can make the job go faster. Just be careful to not over do it and damage wood siding and trim. A mixture of bleach, detergent, and water can be used to remove mildew and clean vinyl siding.

After the exterior of your house has been cleaned, make any needed repairs to the siding and trim, then patch and paint bare spots. Scrape away peeling paint, and lightly sand to soften the edges so it will blend in with the old paint. Caulk any cracks, and apply two coats of quality exterior paint, being careful to feather the edges with the paintbrush so the patch won’t show.

No Roofing Around

Before it becomes too hot this spring, now is the time to clean your roof. Begin by sweeping or blowing off any leaves and branches on the roof, paying particular attention around chimneys and in valleys.

Once clean, start by inspecting your roof and replacing damaged shingles. Next, examine the chimney flashing and mortar joints on brick or stone chimneys. Use masonry caulk to repair any gaps or cracks in the flashing. If the flashing is in bad condition, make a quick fix with caulk, then call a roofing contractor for a more permanent repair.

It’s All Gutters From Here

Clogged and overflowing gutters can damage your home’s eaves and foundation when rainwater overflows. In preparation for spring rains, clean gutters and unclog downspouts. To make cleaning gutters easier, cut the bottom and sides off a plastic jug that’s the same width as your gutters, and use it to scoop out the debris. Then use a garden hose to rinse out the gutter and downspouts. This is the perfect time to check gutters for leaks.

Repair any loose gutter hangers or spikes and use a level to make sure the gutters slant slightly down toward the downspouts. To repair leaks in gutter seams, let the gutters dry thoroughly, then seal the crack using gutter sealer, exterior caulk, or roofing cement.

4 Top Spring Tasks for Your Home

Spring will be here before you know it and every homeowner knows what that means. It’s time to “spring~erize” our home.  Yes, I made that up.  Michigan winters will do that to you!  Here you will find some useful information to check off your spring to-do list to make sure your home is up and running before the warmer weather arrives.

Fan It Out!

Summer is coming (well, kinda) so it’s time to change the direction your paddle ceiling fans rotate. During spring and summer, ceiling fans should rotate counterclockwise when looking up at the fan. This creates a downdraft that makes you feel cooler when it blows on your skin. To change the direction of your ceiling fan, turn the fan off, allow the blades to stop, then flip the switch on the fan housing. On many fans the “down” position on the switch indicates downward air flow. If your fan has a remote control with a direction setting, this job doesn’t even require a ladder.

No Chimney Guests Allowed

After the last fire of the season, don’t forget to close your fireplace damper to keep drafts, rain, animals, and insects out of your home. The damper is a metal flap inside your fireplace that covers the opening to the chimney. It will have a loop, lever, or chains for opening and closing. Close loop dampers by hand or by inserting a poker into the loop. To close lever dampers, lift up slightly on the lever, then push or pull to close. Chain dampers are closed by pulling on the longer chain to disengage the mechanism, then pulling the shorter chain to close the flap.

What Allergies?

Replace the air filter on your central heating and cooling system every one to three months so it will run more efficiently and keep the air in your home cleaner. It’s easy to change the air filter by removing the cover on the air return, sliding out the old filter, and replacing it with a new one with the arrows on the filter pointing in the direction of air flow. If you suffer from allergies, this is a great time to upgrade to a high-performance allergen air filter for your home.

Waterproof Advice

Over time even small plumbing leaks can add up to thousands of gallons of water wasted. After the last winter freeze, it’s a good idea to check your water meter for plumbing leaks. If the triangular shaped flow indicator on the water meter is turning when water isn’t running in the house, you’ve got a leak. Finding a plumbing leak can be difficult, but the main culprits to check are toilets, outdoor spigots, irrigation systems, and pipes on exterior walls that may have been damaged in a freeze.

Top 3 Michigan Lakes for the Perfect Weekend Away (Maybe it’s time to invest there too)

Yet another snowy day in West Michigan has us of dreaming of long summer days gathered around a fire pit with gorgeous views of water in the background. Michigan is the perfect spot for memory-making days out on an all-sports lake or lounging on the beach with a cocktail in hand. But where should you go? There’s almost too many choices! I’ve gathered the top towns and lakes to check out this summer, so go ahead, add this to your summer calendar and explore Michigan!

Don’t want to drive far, yet want to still feel like you are away from it all?  Check out Gun Lake in Middleville.  Definitely the biggest inland lake within a 45-minute radius of Grand Rapids, Gun Lake offers all the recreational opportunities (on and off the water) that you can imagine. From fishing, swimming, boating and watersports to hiking, biking, and camping, Gun Lake has you covered. Encompassing almost 10 square miles, Yankee Springs Recreation Area is an extremely popular recreation destination for those from Grand Rapids and Kalamazoo. There is plenty of room to spread out on this nearly four-square-mile lake.

The bustling vacation town of Empire located along Lake Michigan has made the list of most popular vacation spots in the country. People who want to vacation here tend to gravitate toward vacation home rentals, so there is the possibility of income for a vacation home owner who plans to only use the property for short spurts throughout the year.

Another spot to consider is Hamlin Lake, located at the mouth of the Pere Marquette River and Lake Michigan. Ludington is the county seat of Mason County. A bustling calendar of events and several outdoor activities keep people in this area busy. The S.S. Badger Car Ferry offers an experience that many people don’t ever get to enjoy. Disc golf and golf courses, sandy beaches, and historic lighthouse tours provide entertainment for visitors and residents alike.People who are searching for a vacation home on Hamlin Lake will get to enjoy a wide range of pricing. The offerings range from single-family homes to townhouses and condominiums. Inland homes tend to sell at a lower price point than beachfront homes, but even the inland homes are close to the fun of the lake.

Thinking about buying and not just visiting for the weekend?

Michigan is a phenomenal location to own a vacation home, and renting out your home while you’re not using it with friends and family can be a great way to offset the costs of homeownership. But there are many challenges to buying, owning, and renting a vacation home. You need to know the area and what you want in a home for your own use and enjoyment, plus what your home should have to attract renters. You’ll need to be familiar with local tourism, real estate trends, and the state and local regulatory environment.  In addition, you will need to plan how you will maintain your home and manage your rental property from a distance without diverting too much of your personal time and energy away from your other priorities in life.

Curious about lake homes? Visit GRDreamHomes.com to start your search!