How are my mamas to be holding up?? Do you find yourself #nesting? I know I sure have been! I’ve pretty much organized my house inside and out. And have wanted to move pretty much every other day loI. I know many mamas are feeling the need to move to prepare for the new member of the family.
The instinct to nest is understandable, the truth is though that babies don’t need much space and they don’t care whether they live in a house, condo, or apartment. So take it slow speak to professionals that just don’t want to make a commission check but care about your financial and emotional well being. Some times it’s the right time to move and sometimes waiting allows you to see what is truly in your budget once you become a parent.
You will have less flexibility if you’re locked into a mortgage that’s too high. Be patient. It’ll pay off! If you settle on a home just because you’re expecting, you may make a decision you’ll regret.
The following tips of advice will help you make a sound move:
Don’t Rush To Buy- although the need to nest is undeniable makes sure you are ready and not settling.
Speak With A Mortgage Advisor- speaking with a knowledgeable loan officer openly and honestly can help you determine your affordability.
Consider Location- To get a feel for the vibe of a potential area, drive around at different times of the day (like on a weekday when school is out and on a Sunday afternoon) to see if families are outside playing in their yard. Consider school district even if you don’t plan on making it your forever home, the reality is you just never know.
Imagine Living There With Your Family- Think about how you’re going to use the space as a family. Homes with first-floor master bedrooms are popular, but they’re not ideal if you have young kids and have to run upstairs in the middle of the night. You might think you want a formal dining room, but I can’t tell you how many times I’ve shown a house where it’s been turned into a playroom by a young family. The ability to keep an eye on the baby while you’re in the kitchen or living room ends up being more important than dinner parties. Be wary of open floor plans too. People get sold on the airiness but don’t consider how tricky it will be to gate off.
Inspect The Property Carefully- If you do make an offer, don’t let your love of the house distract you from the reality of certain problems. Hire a good inspector to test for lead, especially if the home was built before 1978. Lead exposure can cause serious health problems, particularly in young kids. The inspector should also rule out radon and check for termites. To find out how well a home has been cared for, make sure the roof, electrical system, and exterior are examined. If problems are found, hire a contractor to estimate costs for repairs.
Call me to discuss your financial and real estate needs!! Together we can find out if you are ready for the move or prepare you for the move in the near future.
During the past couple of months, families have been asked to stay at home. It can be challenging to keep everyone entertained when we aren’t able to go out of the house except to work in essential jobs, enjoy fresh air, and get groceries. Luckily, there are plenty of fun activities that the entire family can do together at home. Here are a few to inspire your own family to make lasting memories while spending quality time together at home.
1. Movie Night—This is a simple activity that everyone will enjoy. Every time you have a movie night, let a different family member pick their favorite. That way, everyone will have a turn choosing something to watch in the coming weeks. Better yet, consider a movie marathon over the weekend and allow each family member to choose one leg of the marathon. Don’t forget to bring popcorn and treats. In fact, make it part of the activity and make a delicious treat as a family to share during the movie.
2. Homemade Pizza—Many families have a tradition of ordering pizza once a week (or when no one feels like cooking). Do things a little different while you’re all at home together and learn to make pizza at home. Choose one type that everyone enjoys, or let everyone make a personal-sized pizza and add whatever toppings they’d like. Learning to make pizza at home is also an excellent opportunity to teach your kids a new skill.
3. Backyard Camping—Just because you can’t go out on vacation doesn’t mean you can’t have a family outing in nature. Involve the whole family in setting up the tents and sleeping bags in your yard. Have a campfire, sing songs, tell stories, and roast marshmallows. Before bed, take some time to admire the stars. The best part is that everyone can get ready for bed in the house, and it’ll be easy to make a delicious breakfast when everyone wakes up in the morning.
4. Dance Party—Make a playlist of your family members’ favorite songs. Gather together in one room and dance to your new playlist. It’ll be a great way to laugh together and let go of any stress you may be feeling at the moment. It’s also a great way to get moving and get some exercise!
5. Art Night—Bring out the crayons, pencils, watercolors, and paper. Come up with a theme, such as summertime, animal friends, or family portraits. It’ll be fun to see what everyone comes up with while allowing them to get creative.
During an uncertain time, it can be challenging to know how to keep your entire family entertained. However, it’s the perfect opportunity to make memories and do things that you don’t always have time to do together. Cherish these fleeting moments with your loved ones.
Though “murder hornets” are dominating recent headlines, there are no Asian Giant Hornets currently known to be living in the U.S. or Canada, according to UC Riverside Entomology Research Museum Senior Scientist Doug Yanega.
Yanega is one of the country’s foremost insect identification experts. Beekeepers in Canada consulted him when a colony of the 2-inch-long hornets — the world’s largest hornet species — was discovered in the Canadian city of Nanaimo on Vancouver Island in September 2019.
This was the first sighting of the hornet in North America, and authorities eradicated that nest to prevent it from becoming established. According to Yanega, “There have not been any sightings in 2020 that would suggest the eradication attempt was unsuccessful.”
A resident on the U.S. side of the border, about 50 miles from Nanaimo in Blaine, Washington, reported two additional Asian Giant Hornet sightings in December 2019. The Washington State Department of Agriculture collected one of these hornets, which was dead. The other reportedly flew into a nearby forest.
Neither that live hornet nor its nest were ever found, but it is unlikely that the insect is still alive, Yanega said.
Recent genetic tests confirm that the dead hornet was not genetically related to the eradicated Nanaimo nest.
“The fact that the second hornet turned out to be genetically different somewhat raises the odds that there could be more of them,” Yanega said. “However, right now all authorities are doing is asking people to keep their eyes peeled in case there were queens that escaped destruction and established their own nests nearby.”
The sighting is a concern, as Asian Giant Hornets can destroy honeybee hives and their venom is more toxic to humans than that of a honeybee.
The hornet spotted in December was likely introduced to North America at the same time as those eradicated in Nanaimo. Therefore, if any of them are still living, they would be in the immediate vicinity of Vancouver Island, he said.
There are an estimated 10 million insects, less than 2 million of which are "known species." Yanega can identify about 90 percent or more of them, both known and unknown, to the rank of family or better.
Yanega is available for press inquiries about this flying insect non-invasion.
Jules L Bernstein
Senior Public Information Officer
Email (951) 827-4580
It's been difficult to adjust to a new normal during the past few weeks. With most residents being asked to stay at home, there are many who have recently lost their jobs or been asked to work remotely. The mortgage industry has also taken a big hit that has directly affected homeowners, renters, and investors alike.
There are many who are in the final stages of closing on their homes, and the current pandemic has made it difficult to efficiently move forward with the process. To help, desktop and exterior-only appraisals are being accepted as long as there is sufficient property information available online. Potential borrowers can also now submit their verification of employment via email, paystub, or bank statement to help streamline the process.
Significant changes have been made during the recent outbreak of COVID-19 to help homeowners get through this trying time. Those who have lost their jobs may be eligible for reduced or suspended mortgage payments for up to 12 months while they regain their footing and find new employment. All foreclosure sales and evictions have also been suspended for 60 days to give borrowers a chance to catch up on their payments. Homeowners who are behind on their mortgage will also receive help to create a plan to maintain or reduce their monthly payments moving forward.
Renters who are currently unable to make their monthly rent payments are advised to reach out directly to their landlords. Owners of these properties will be given mortgage forbearance by Fannie Mae and Freddie Mac if they suspend all evictions for renters that have been directly affected by COVID-19. This plan is directly designed to prevent tenants from being evicted because they are unable to pay their rent due to a recent loss of their job.
One benefit of the recent changes in the mortgage market is that interest rates have been near an all-time low, and it may be an excellent time to buy your first home or refinance your current mortgage. If you've had your eye on the market for a while now and want to take advantage of the current interest rates, it's the perfect time to call your loan officer and start the process of locking in your rate before interest rates start to increase again.
It can be hard to keep track of all the changes. We are working around the clock to answer all your questions and will support you in any way that we can. Give us a call if you need help or have any specific questions regarding buying or refinancing.