• Summer,  Yard & Garden

    5 Smart Ideas to Refresh Your Deck

    As seasons turn, your focus begins to shift to the outdoors. Your deck or patio becomes your new living room — an ideal setting for memorable moments with friends and family. If you look at these spaces and long for a refresh, the time to start planning is now. You have options, and many you can do yourself with minimal effort. To start, if you don’t have a deck or patio, research materials carefully before making an investment. One prevalent building trend involves making the smart choice toward natural, environmentally friendly materials that will never end up in landfills. As such, more homeowners are choosing Real Cedar because it is naturally resistant…

  • Buying a Home,  Mortgage

    Which down payment strategy is right for you?

    You’ve most likely heard the rule: Save for a 20-percent down payment before you buy a home. The logic behind saving 20 percent is solid, as it shows that you have the financial discipline and stability to save for a long-term goal. It also helps you get favorable rates from lenders. But there can actually be financial benefits to putting down a small down payment—as low as three percent—rather than parting with so much cash up front, even if you have the money available. THE DOWNSIDE The downsides of a small down payment are pretty well known. You’ll have to pay Private Mortgage Insurance for years, and the lower your…