The U.S. Department of Housing and Urban Development (HUD) on Monday announced that it would be bringing its Innovative Housing Showcase back to the National Mall in Washington, D.C., this June. The event is designed to highlights housing solutions and “advancements in housing design, technology and sustainability.”
Taking place on June 7-9, the event is open to the public and will offer an opportunity “to raise awareness of innovative and affordable housing designs and technologies that have the potential to increase housing supply, lower the cost of construction, increase energy efficiency and resilience, and reduce housing expenses for owners and renters,” HUD explained in a news release.
Coming on the heels of a new commitment to housing solutions as outlined by President Joe Biden during his State of the Union address earlier this month, the event is designed to highlight a wider effort by housing professionals and stakeholders to impact housing access, availability and sustainability. The event will also feature interactive exhibits, including full-sized prototype homes and other technology demonstrations.
HUD expects as many as 4,000 people, “including policymakers, housing industry representatives, media, and the public,” to attend the event across all three days.
“The Innovative Housing Showcase is a testament to our nation’s unwavering commitment to moving the housing sector forward,” HUD Secretary Marcia Fudge said in a statement. “The future of housing is innovative. The Showcase provides a unique opportunity to explore technologies that can make housing more affordable and more resilient, while bringing industry leaders and the public together on creative solutions to the challenges facing our communities.”
Technological advancement is key to improving housing across the country, which is why it’s important to highlight advancements in a public setting, according to Solomon Greene, principal deputy assistant secretary for policy development and research (PD&R) at HUD.
“HUD and its Office of [PD&R] have supported innovation in housing and building technologies since the beginning, and these investments have contributed to changes in building codes, improvements in industry practice, and most importantly, lower housing costs for American families,” Greene said. “The Showcase continues that tradition, featuring the latest technologies and designs that can help meet the nation’s growing housing affordability and climate resilience needs.”
HUD recently posted a notice in the Federal Register to solicit exhibitors for the event, with final applications due March 29. Exhibitors and other programming details are expected in May.
The U.S. Department of Housing and Urban Development (HUD) is being sued in federal court over accusations that it failed to refund nearly $385 million in mortgage insurance premiums (MIP) to borrowers over a period of more than two decades. The lawsuit was previously reported by National Mortgage News and Law360.
The proposed class-action lawsuit brought by Florida resident Tricia Sarmiento claims that HUD has failed to issue refunds tied to MIP payments on mortgages backed by the Federal Housing Administration (FHA), and it has made the process of requesting a refund slow and complicated.
HUD regulations state that the termination of an FHA loan within seven years of a home purchase or refinance triggers overpayment of the mortgage insurance premium, with the department required to refund the unearned amount.
A 2022 audit by the HUD Office of Inspector General (OIG) discovered a lack of adequate procedures related to the repayment of premiums.
According to 2020 data from the OIG that was cited in the lawsuit, about 60,000 borrowers in Florida are owed a total of $22 million. Nationwide, that number soars to more than 754,000 borrowers and a total of $384.7 million in unclaimed refunds. More than 200,000 of these loans were terminated more than 20 years ago.
In the lawsuit, the plaintiff says that she terminated her FHA loan in 2001 and was not informed at the time that a refund was owed, nor was she aware that she had to submit an application for a refund.
Sarmiento reportedly requested the documentation for a refund on Jan. 31, 2022, but has yet to receive it more than two years later. She is owed more than $1,000, the lawsuit claims.
The plaintiff is requesting that HUD repay the past-due MIP amounts and for the department to reform a process “plagued by failure,” the lawsuit states. HUD allegedly took an “unjustified length of time,” up to two to three years, before borrowers received their refund applications.
“It is a fight for transparency, accountability and fairness,” the filing reads. “The federal agency’s failure to uphold its duties has deprived thousands of homeowners of substantial refunds.”
Another reason why the Fed can let the CRE swoon rip.
By Wolf Richter for WOLF STREET.
The multifamily segment of Commercial Real Estate – apartments – is holding up better than office, retail (the Brick-and-Mortar Meltdown since 2017), and lodging, though it’s cracking too with some spectacular defaults over the past 12 months or so. Yet, US banks and thrifts and foreign banks hold only a small-ish portion.
Total mortgages backed by multifamily properties rose by 4.4% year-over-year in Q4, or by $88 billion, to $2.09 trillion, according to the Mortgage Bankers Association, based on its own data, and on data from the Federal Reserve, Trepp, and the FDIC.
Of those mortgages:
US government agencies, US Government Sponsored Enterprises (GSEs), state and local governments, and state and local government pension funds held 54.8%, or $1.09 trillion.
US banks and thrifts and foreign banks held 29.3%, or $612 billion.
Life insurers held 11.3%, or $235 billion.
Another 3.2%, or $67 billion, had been securitized into CMBS, CDOs, and ABS, and those securities were held by investors.
Other investors, including private pension funds and REITs, held 2%.
The blue line represents federal government backed entities – including MBS issued and guaranteed by those entities, Quite an interesting trend (chart via MBA):
The MBA excludes loans for acquisition, development and construction, and loans collateralized by owner-occupied commercial properties.
For about a year, we’ve been reporting on how non-bank entities, from CMBS holders to PE firms, were on the hook for office and other CRE mortgages, how the biggest losses have hit these investors, particularly the CMBS investors, and not banks. And among the banks that it did hit, there were a slew of foreign banks.
But with the multifamily segment of CRE, it’s mostly federal, state, and local government entities, including their pension funds that are on the hook – meaning the taxpayers are on the hook for 54.8% of all multifamily mortgages.
And the Fed couldn’t care less about taxpayers. The Fed is worried about the banks, not a few individual banks, but about contagion across the banking system triggering a banking panic. But with the 4,026 US banks with $23 trillion in total assets holding only $612 billion in multifamily mortgages – well, that’s less than 3% of their total assets. In other words, the banking system overall isn’t fundamentally threatened by bad multifamily loan.
Even if many of the banks’ $612 billion in multifamily loans default, they’re secured by multifamily buildings with some value, so the losses are going to be only fraction of the $612 billion, spread over 4,026 banks with $23 trillion in total assets.
As always, some smaller banks with concentrated exposure in some markets may eventually topple under defaulted multifamily loans. Fitch thinks 49 tiny banks are heavily exposed to troubled multifamily loans, and some of those banks make topple. In nearly every year, some banks toppled, and it’s just part of the risks in the banking system, and it’s the FDIC’s job to mop up those local messes at investors’ expense.
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For Moriello, she previously explained why it’s fairly easy for existing clients — including forward mortgage borrowers — already served by the company to be flagged as potential reverse mortgage customers once they reach the age of eligibility. For the HECM program, a company professional could look into their customer relationship management (CRM) software and see when a client could potentially qualify for a reverse mortgage.
“Any loan officer can run a report in their own database to calculate when someone’s date of birth hits that prime age [for a reverse mortgage],” Moriello said.
While some may think that certain technology tools are either forward-specific or reverse-specific, Moriello says that the tools at her company are often interchangeable by forward and reverse professionals.
Still, there are advantages to being a lender that is active in both forward and reverse, she explained.
“I feel like, as a loan officer that can look at all products and decide to show the client what different products — like a home equity line, a forward mortgage or a reverse mortgage — can do for them, it gives me the unique opportunity to present all products to them at the same time,” she explained. “[It helps me] give them an understanding about how each product would serve them.”
2024 HECM limit
On Jan. 1, the limit for HECM loans was increased to $1,149,825 by the Federal Housing Administration (FHA). Loan originators who have spoken with RMD on the topic generally find the increase welcome, but they do not feel that the higher limit is a “game-changer” when it comes to new business this year.
Moriello thinks it could be potentially beneficial overall.
“It’s absolutely a consideration,” she said. “I’m in the Northeast, so the higher the dollar amount, the better. I had a conversation [with a borrower] where we were talking through the benefits of taking out a HECM line of credit [for] future planning, [including] the growth rate tied to the HECM line credit.”
Still, despite the potential utility of a higher HECM limit, there are still some product gaps that the proprietary market could serve for people with higher-value homes, she said.
“When I sat down with this borrower, I realized I’ve got to run both the HECM and the proprietary for this client due to the value of the home,” she said. “I wish that we had a proprietary product that had more of a growth-rate line-of-credit option more similar to the HECM.”
Receptivity of referral partners, clients
When asked about openness to reverse mortgages from business referral partners and borrowers, Moriello explained that getting a curt “no thanks” is still common. But for those who might find a benefit in a reverse mortgage, they’re more open of late to explore the possibility.
“More often than not, these high-level professionals are looking for options for their clients,” she said, “whether those options are to help them buy a new home, to live a better life with more assets in retirement, or to help them get a non-taxable stream of cash flow to help them in retirement. They’re looking at opportunities.”
Certain longstanding issues have not gone away, including a perception by some financial planners that makes them feel reverse mortgages are not an option that can even be explored, let alone discussed. But modern classes of financial planners generally seem to be more open to conversations, based on Moriello’s conversations.
“These financial planners are much higher caliber and quality than I’ve ever seen before, but yet the understanding of the compliance behind it causes them to have to take a step back,” she said. “And sometimes they feel they can’t even talk about a reverse mortgage. It’s not as often as it used to be, which is a good thing.”
Spending speed
As for what’s fueling these greater levels of openness, Moriello said it could come from a lot of places, but the speed with which clients are burning through money today is a clear possibility.
“I know from what I can see, it is absolutely tied to how fast people are going through money,” she said. “I can absolutely see that these professionals are worried that their folks are going to run out of money.
“We were just talking here in the office about our own electric bills, which have effectively doubled in our area. That’s one thing when you’re still working, but what happens when you’re on a fixed income?”
That puts far more pressure on fixed-income retirees, which could lead to conversations about tapping into home equity, she said.
“What that means is folks need to take more money out of retirement than they ever have before, and the financial professionals are looking at understanding that. So, they’re looking at options to help them extend the life of their assets so that they can continue to live well in retirement.”
DUBLIN, March 13, 2024 /PRNewswire/ — The “United States Home Decor Market, Size, Forecast 2024-2030, Industry Trends, Growth, Share, Outlook, Impact of Inflation, Opportunity Company Analysis” report has been added to ResearchAndMarkets.com’s offering.
The United States Home Decor Market is expected to value around US$ 180.39 Billion by 2030 from US$ 135.98 Billion in 2023, growing at a CAGR of 4.12% during 2024-2030
Trends evolve, embracing sustainable substances and smart technology. Personal touches, inclusive of artwork and sentimental items, infuse warmth and character. Whether current, rustic, or avant-garde, home decor transcends aesthetics, influencing temper and well-being. In the intersection of layout and emotion, it fosters an experience of sanctuary, making each home a canvas of self-expression.
In the United States, home decor has come to be a pervasive cultural phenomenon, driven by a burgeoning interest in interior design and self-expression. Social media systems amplify trends, fostering a dynamic and inclusive community of design fans. The upward thrust of home development shows and committed design influencers has propelled a heightened awareness of decor possibilities.
With an emphasis on less expensive alternatives and DIY tasks, Americans are increasingly engaging personalizing their living spaces. The industry’s boom is evidenced by the proliferation of home decor stores, both physical and online, imparting numerous styles to cater to individual alternatives. As a reflection of lifestyle and identification, home decor in the U.S. stands as a popular method of creative expression and a testimony to the evolving importance of personal space.
A holistic shift in US home decor displays a growing consumer choice for sustainability, incorporating natural materials like timber and stone, and embracing eco-friendly products. The upward push of biophilic design emphasizes the integration of nature into interiors, promoting well-being. Contrary to minimalist tendencies, maximalism gains traction, encouraging bold expressions and individuality.
Compact living spaces power demand for multifunctional furniture and smart home technology integration. The pursuit of personalization fuels interest in hand made objects, DIY projects, and upcycling. Wellness-focused decor consists of soothing elements, even as technology, from smart devices to global inspirations, in addition diversifies and personalizes the house environment in a dynamic and evolving market.
With growing disposable earning, specifically remarkable amongst younger generations, there is a heightened monetary ability to spend money on non-important items like home decor. This economic flexibility is driving a surge in the reputation of top rate and designer domestic decor brands, indicating a willingness to pay more for unique, premium pieces. The growing homeownership rate in the US amplifies this trend, as new house owners actively are searching to customise and style their living areas.
Viewing homes as long-term investments, house owners are more willing to spend on home improvements and enhancements, with domestic decor playing a pivotal position in developing comfortable, inviting, and fashionable living environments that contribute to the overall value and appeal in their residences.
Company Analysis
Inter IKEA Systems B.V.
Bed Bath & Beyond Inc
Herman Miller Inc.
Mohawk Industries Inc.
Williams-Sonoma, Inc.
Kimball International, Inc
HNI Corporation
Products – United States Home Decor Market breakup from 4 viewpoints:
Furniture
Floor Covering
Home Textiles
Others
Distribution Channel – United States Home Decor Market breakup from 4 viewpoints:
Supermarkets & Hypermarkets
Specialty Stores
E-Commerce
Others
Income group – United States Home Decor Market breakup from 3 viewpoints:
Higher Income
Upper-middle Income
Lower-middle Income
For more information about this report visit https://www.researchandmarkets.com/r/k002qf
About ResearchAndMarkets.com ResearchAndMarkets.com is the world’s leading source for international market research reports and market data. We provide you with the latest data on international and regional markets, key industries, the top companies, new products and the latest trends.
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The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. See Lexington Law’s editorial disclosure for more information.
If you’re considering taking out a loan or credit card, you’ve probably checked your credit score to weigh your odds of getting approved. But what if it’s different depending on which scoring model you check?
Since you have multiple types of credit scores, the number can vary based on the scoring model. Continue reading to learn more about the different credit scores, including FICO® and VantageScore®.
Table of contents:
What is a credit score?
A credit score is a three-digit number that predicts your credit risk based on data from your credit report. Lenders use credit scores to determine who to approve for loans and at what interest rates. Credit scores typically range from 300 to 800 points. A high credit score indicates that you’re more likely to pay back your loans, while a lower credit score signals that you may be a risky borrower.
What are the different credit scoring models?
FICO and VantageScore are the two most popular scoring models used in the United States. Both models calculate your score based on a set of factors that assess an individual’s credit risk. However, the two models use different algorithms and assign different weights to each factor.
Let’s look at the different types of credit scores and how they stack up.
FICO scoring model
The FICO score was the first consumer credit score developed by the Fair Isaac Corporation (FICO) in 1989. According to myFICO, 90 percent of top lenders use FICO scores to determine loan approvals, interest rates and credit limits.
A good FICO score will help you secure better loan terms and rates. The latest FICO model categorizes your score based on these ranges:
800+: Exceptional
740 – 799: Very good
670 – 739: Good
580 – 669: Fair
<580: Poor
VantageScore model
The VantageScore model was developed in 2006 by the three credit bureaus—Experian®, TransUnion® and Equifax®—as an alternative scoring model.
Like the FICO scoring model, VantageScore ranges from 300 to 850. According to Experian, here’s how the newest VantageScore model groups scores:
781+: Excellent
661 – 780: Good
601 – 660: Fair
500 – 600: Poor
<500: Very poor
Other credit scoring models
While FICO and VantageScore are the most widely used, they aren’t the only scoring models out there. Here are some lesser-known credit scoring models you may encounter:
TruVision Credit Risk: Developed by TransUnion, TruVision aims to broaden credit opportunities with insights beyond traditional credit information. The model combines “traditional, trended, blended and alternative data.”
OneScore: Unveiled in 2023 by Equifax, OneScore is a new scoring model aimed to paint a more comprehensive picture of loan applicants. According to a recent press release, OneScore is a “robust, multi-data score that leverages traditional credit history and differentiated alternative data.”
CE Credit Score: Created by CE Analytics, CE is an independent credit scoring model that uses advanced analytics and behavioral trends.
How are credit scores calculated?
Your credit scores are calculated based on a set of factors from your credit report. However, each scoring model assigns a certain weight to each factor to calculate your score.
Let’s look at how the FICO and VantageScore models calculate credit scores.
How is your FICO score calculated?
With the latest FICO scoring model, your history of paying past accounts on time is the most important factor when determining your credit score. Other factors include how much of your available credit you’re using, how long you’ve had your accounts, the different types of loans you have and how many new accounts you have.
Here’s exactly how FICO calculates your score:
Payment history: 35 percent
Amounts owed: 30 percent
Length of credit history: 15 percent
Credit mix: 10 percent
New credit: 10 percent
How is your VantageScore calculated?
Like the FICO model, payment history is the most significant factor when calculating your VantageScore. Additional factors include the age of your accounts, how much credit you use, total balances on your accounts, new accounts you’ve opened and how much credit you have available.
Here’s a look at the factors that determine your VantageScore:
Payment history: 41 percent
Depth of credit: 20 percent
Credit utilization: 20 percent
Balances: 6 percent
Recent credit: 11 percent
Available credit: 2 percent
Why are my credit scores different?
It’s normal for your credit scores to be different. Here are a few of the main reasons credit scores vary:
Your score is calculated using different scoring models: Your credit scores may vary because there are multiple different types of credit scoring models. Since scoring models weigh certain factors differently, your score may vary slightly depending on which credit score you check.
There are different versions of credit scoring models: Each scoring model has multiple versions that periodically update. For example, FICO 8 and FICO 9 have key differences, such as the impact of third-party collections and rent payments.
Not all lenders report to all three credit bureaus: Another reason your credit score may vary is because some lenders don’t report to all three credit bureaus. As a result, one of the credit bureaus could be missing information that either increases or decreases your score.
Credit scores update frequently: When you check your credit score can play a role in what number you see. Credit scores generally update at least once a month and sometimes even multiple times per month. So even if you’re using the same scoring mode, it’s normal for your credit score to fluctuate over time.
How to check your credit score
Accessing your credit score doesn’t have to be a hassle. Here are the easiest ways to check your credit score for free:
Credit bureaus: You can check your credit score via any of the three major credit bureaus—Experian, TransUnion and Equifax.
Your bank or credit card issuer: Most banks and credit card issuers provide customers with complimentary access to their credit score.
Third-party platform: Some third-party platforms provide free credit scores. For example, Lexington Law Firm provides a free credit snapshot, which includes your credit score and credit report summary.
Regularly checking your credit score and credit report can help notify you of inaccurate information that may be hurting your credit. If you notice errors on your credit report, it’s important to investigate and address them with the credit bureaus.
Learn how Lexington Law Firm’s services could help you effectively manage and monitor your credit today.
Note: Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.
Reviewed By
Alexis Peacock
Supervising Attorney
Alexis Peacock was born in Santa Cruz, California and raised in Scottsdale, Arizona.
In 2013, she earned her Bachelor of Science in Criminal Justice and Criminology, graduating cum laude from Arizona State University. Ms. Peacock received her Juris Doctor from Arizona Summit Law School and graduated in 2016. Prior to joining Lexington Law Firm, Ms. Peacock worked in Criminal Defense as both a paralegal and practicing attorney. Ms. Peacock represented clients in criminal matters varying from minor traffic infractions to serious felony cases. Alexis is licensed to practice law in Arizona. She is located in the Phoenix office.
The Department of Housing and Urban Development is accused of failing to issue mortgage insurance premium refunds to borrowers who opted to terminate their FHA-insured mortgages early. As of 2020, almost $400 million is owed to homeowners.
A proposed class action lawsuit, filed by borrower Tricia Sarmiento in Florida, blames the department for slow-walking the disbursement of monies owed and for making it bureaucratically complicated to get the process going in the first place.
Almost 60,000 borrowers in Florida are owed refunds, totaling $22 million, according to 2020 data from HUD’s Office of Inspector General, which was cited in the suit. Meanwhile, nationwide, 754,730 homeowners had unclaimed funds totaling $384.7 million. Of that sum, 200,576 borrowers terminated their mortgage more than 20 years ago.
HUD watchdog’s audits in 2020 and 2022 rang the alarm on such practices, outlining the department’s lack of protocols and adequate procedures relating to reimbursing MIP to borrowers.
Sarmiento in her suit is demanding for HUD to pay back overdue refunds to borrowers and is pushing the department to reform “a system which has been plagued by failure.” Law360 first reported the story.
“It is a fight for transparency, accountability and fairness,” the suit said. “The federal agency’s failure to uphold its duties has deprived thousands of homeowners of substantial refunds. “
The Department of Housing and Urban Development declined to comment on pending litigation.
Joshua H. Eggnatz, the attorney representing Sarmiento, said this is an important case for all borrowers who have an FHA-backed mortgage.
“We are seeking return of our client’s and class members’ unused premiums that should have been refunded to them long ago, and a change at HUD so future buyers are protected,” Eggnatz wrote in a statement Wednesday.
Per HUD regulations, a termination of an FHA mortgage within seven years of purchase or refinancing triggers an overpayment of the MIP and the department is required to automatically refund the unearned sum.
Despite the protocol, the federal agency systematically fails to identify eligible borrowers who qualify and imposes unnecessary bureaucratic hurdles as a means of withholding “hundreds of millions of dollars from homeowners,” the suit alleges.
The plaintiff terminated her FHA loan in 2001 and was not informed at the time of doing so that she was owed a refund. Furthermore, Sarmiento did not know she had to request a refund application to recover her money.
Upon learning that was the case, the plaintiff requested the document on Jan. 31, 2022. Two years later, the plaintiff claims she has not been provided with the refund application. HUD owes her a refund of over $1,000, the suit purports.
According to the legal action, for numerous applicants “HUD took a significant, unreasonable, and unjustified length of time, often two to three years, before a refund application was received by the borrower.”
Instead of automatically issuing a refund, as is promised by law, HUD requires borrowers to affirmatively request a refund application and sends these applications to old addresses despite knowing “the borrower no longer lives at the FHA-insured property address,” the proposed class action outlines.
Additionally, the agency often fails to provide notice to qualifying borrowers that are owed a refund.
“Plaintiff seeks to enforce HUD’s nondiscretionary, plainly defined, and purely ministerial duties – indeed, there is no dispute that plaintiff and class members are owed MIP refunds,” the suit asserts.
The long-term unemployed remained at 1.2 million, making up 18.7% of the unemployed. Meanwhile, participation in the workforce held steady at 62.5% for the third month running. On the part-time front, the situation was relatively stable, with about 4.4 million people working part-time for economic reasons, such as reduced hours or the inability to find … [Read more…]
Congratulations on becoming a homeowner! Embarking on this journey marks a significant milestone in your life. As you step into your new abode, it’s essential to lay down the groundwork for a smooth transition and a happy home. To help you navigate this exciting time, we’ve curated a comprehensive checklist of essential first steps for settling into your new home.
Enjoying our content? Subscribe to our free weekly newsletter to get real estate market insights, news, and reports straight to your inbox.
Change the Locks
Your home’s security should be a top priority. Change all exterior door locks and consider installing a smart lock system for added convenience and peace of mind.
Update Address and Utilities
Notify relevant parties, including the post office, banks, subscription services, and utility companies, of your new address. Set up new accounts or transfer existing ones for essential utilities like electricity, water, gas, internet, and cable. Make sure to receive the key to your community mailbox to access your mail if needed.
Inspect and Clean
Before moving in your belongings, conduct a thorough inspection of your new home. Look for any damages or issues that need immediate attention. Plan a deep cleaning session to ensure a fresh start in your new space.
Familiarize Yourself with Safety Features
Locate fire extinguishers, smoke detectors, carbon monoxide detectors, and emergency exits. Test each device to ensure they are in proper working condition. If your home lacks these safety features, consider installing them as soon as possible.
Organize Important Documents
Keep all essential documents, including mortgage papers, insurance policies, warranties, and home improvement receipts, in a safe and easily accessible place. This ensures that they don’t get lost during your move-in and that they are always there when you need them.
Set Up Home Maintenance Schedule
Create a schedule for routine home maintenance tasks such as HVAC servicing, gutter cleaning, and lawn care. Staying on top of maintenance will help prevent costly repairs down the line.
Get to Know Your Neighborhood
Take some time to explore your new neighbourhood. Locate nearby amenities such as grocery stores, schools, hospitals, and recreational facilities. Introduce yourself to your neighbours and start building connections within the community.
Make It Your Own
Personalize your space by unpacking and arranging your belongings to reflect your style and preferences. Consider adding a fresh coat of paint, hanging artwork, or incorporating decorative elements to make your house feel like home.
Plan for Emergency Preparedness
Develop an emergency plan for your household, including evacuation routes and designated meeting points. Stock up on emergency supplies such as non-perishable food, water, first aid kits, and flashlights.
Celebrate Your New Home
Finally, take a moment to celebrate this significant milestone in your life. Host a housewarming party to share the joy with friends and family, or simply enjoy a quiet evening in your new home, savouring the sense of accomplishment and the beginning of a new chapter.
Are you looking to own a home this spring? Give us a call today! Our real estate agents are more than happy to help you move into your new home!
Motto Mortgage, a national mortgage brokerage franchise, has expanded its presence with a new office in Tampa, Florida. Motto Mortgage Mountaintop Partners is now open and aims to serve borrowers throughout the state. The new office is led by Chuck DeLangis, a mortgage industry veteran with over 25 years of experience. DeLangis said he aims … [Read more…]