Celebrating 25 Incredible Years of Westchester Mortgage. Thank You!

/in , , , , ,

October marks a special occasion for me: the 25th anniversary of the founding of my company, Westchester Mortgage!

Looking Back

A quarter-century in business is a major milestone. As I reflect on the years past, I’m filled with gratitude for all the clients I’ve had the honor of helping finance their biggest asset. My work has always been about guiding you through one of the most significant financial decisions of your life.

The one constant has been the fluctuating 30-year fixed mortgage rate. From the aftermath of 9/11 to the Great Recession. From historic lows during the pandemic to the recent battle against inflation. Virtually every major economic and world event has had a direct impact on your borrowing costs and purchasing power.

I thought it might be interesting to look back at mortgage rates since 2000, tying these changes to the historical events that drove them.

How many of these events do you remember?

Looking Ahead

As the table above shows, mortgage rates are not static; they are a direct reflection of the global and domestic environment. Over the last 25 years, I’ve personally helped clients through times that were a little scary. But the most important lesson I’ve learned is that even the most frightening global events are often followed by periods of economic change and new opportunity.

The fact that the current rate has eased to 6.17% shows that the market is always moving and new windows of opportunity are always opening. This recent drop, supported by the Federal Reserve’s decision to cut interest rates in late October, is a significant shift from the 2023 average of 6.81%. This shows that positive changes are happening right now.

While we can’t predict the future, we know that these changes are part of the natural cycle of the market. Rather than fearing uncertainty, let’s approach it with the confidence that comes from experience and preparation.

My promise to you, as my valued customer, is that I will continue to be here, just as I have for 25 years, to provide the focused, expert guidance you need to navigate whatever the next chapter of the housing market brings. We’ll ride the cycles together.

If you’re planning to start your homebuying journey now or into early 2026, please reach out. I’ll help you get prepped and positioned so you can move quickly and confidently to find your dream home.

Let’s chat.

Home Improver: Leave the Leaves for a Better Lawn with Mulch Mowing

Here’s a tip: Skip the back-breaking raking and the endless yard waste bags. Your leaves are a free, natural fertilizer and a secret weapon for a healthier lawn. By chopping your fallen leaves into dime-sized pieces right on the grass using your lawnmower, you are practicing what’s known as mulch mowing.

As these tiny pieces settle into the turf, they decompose over the winter, returning valuable nutrients like nitrogen and phosphorus back to your soil. This simple practice helps improve soil structure, suppresses early spring weeds like dandelions, and significantly reduces the amount of expensive fertilizer you will need next spring.

Beyond the benefits to your lawn, mulch-mowing is the responsible choice for the planet. When leaves are raked, bagged, and sent to a landfill, they take up unnecessary space and decompose without oxygen, which releases methane (a potent greenhouse gas) that contributes to climate change.

By using your mower to return the leaves to the soil, you avoid contributing to landfill waste, save money on bags and disposal fees, and provide a vital habitat for those beneficial insects and microorganisms that keep your yard healthy.

Important: Be sure you can still see at least half of the grass through the shredded layer of leaves (see image above) to prevent smothering the turf.

Buyer Alert: Recent Rate Cut Reenergizes Market

/in , , , , ,

The Federal Reserve recently trimmed interest rates by 0.25 percent and signaled that two more cuts could be coming soon. This move has injected fresh optimism among prospective homebuyers.

With the softer monetary environment, more inventory is starting to come onto the market. What was once a highly constrained, competitive landscape is gradually shifting toward a more balanced dynamic between buyers and sellers. This is good news after so much market stagnation.

In past years, buyers often felt compelled to compete harder than they had imagined. They went beyond their comfort zones waiving inspections, minimizing contingencies, and accepting unfavorable terms just to get in the door. In the emerging market landscape, however, buyers are regaining the ability to ask for what they need, with less risk of being pushed aside.

Sellers may now be more willing to consider price reductions, repair credits and other concessions, especially on homes that have lingered on the market far too long. Buyers can also reintroduce conditions that were once routinely waived.

When negotiating a home purchase today, these contingencies can help protect you. Let’s take a closer look.

Because rising inventory is easing the intense competition of the past few years, buyers no longer have to rush or waive protections just to be considered. This gives them a bit more leverage when making offers.

To use this moment wisely:

  • Stay realistic and strategic about your budget.
  • Make strong offers with key protections.
  • Work closely with an experienced agent.
  • Be ready to adapt as the market shifts.
  • Move before the next wave of buyers returns if rates fall again.

If you’ve been waiting on the sidelines and plan to start your homebuying journey at the end of October or into early 2026, reach out to me now. I’ll help you get prepped and positioned so you can move quickly and confidently when the right home finds you.

Let’s chat.

Home Improver: Clear Your Gutters Now to Avoid Ice Dams This Winter

Leaves are changing colors (beautiful) and falling fast (grab a rake). If they’re clogging your gutters, trouble is brewing. Blocked gutters trap melting snow, which can refreeze and create ice dams. Those icy ridges force water back under shingles and into ceilings and walls. You know what comes next: leaks, rot, mold and costly repairs.

Let’s stay ahead of this. Here’s your checklist:

  • Scoop out debris. Wear gloves and use a small scoop or trowel to remove leaves and twigs.
  • Flush with a hose. Run water through each section until it flows freely.
  • Check downspouts. Make sure water exits several feet from your foundation; add extensions if needed.
  • Inspect for damage. Look for sagging, leaks at joints, or loose fasteners and fix them while it’s still mild.
  • Stay safe. Use a sturdy ladder and work with a partner. Hire a pro if your roof is steep or high.

A quick cleanup now can save you thousands of dollars and a lot of stress when the first heavy snow hits.

Viral Video: Speaking of Roof and Gutter Safety

Here’s a funny commercial from 2008 that shows the pitfalls of not hiring a professional to take car of your gutter and roof repair.

View YouTube Video

Mortgage Rates Dip to Lowest of 2025

/in , , , , ,

Mortgage rates have been trending down, hitting new year-to-date lows after Federal Reserve Chair Jerome Powell suggested at the Jackson Hole Economic Summit that the labor market may be a bigger focus than inflation.

Rates have been dipping since early August, and according to Mortgage News Daily, the average 30-year fixed rate dropped 10 basis points today to 6.52%.

That’s good news for anyone patiently watching the housing market. Historically, when rates dip from the mid-6.6% range toward 6%, we see stronger housing activity and a pickup in purchase applications. Year-over-year purchase application numbers have been solid in 2025, but the week-to-week growth has been sluggish in this challenging time. If rates can hold closer to 6%, we could see 12 to 16 weeks of positive momentum, just like in past cycles.

Here’s the big picture. There’s still plenty of uncertainty ahead, with labor data, Fed moves, and broader economic headlines in play. But for buyers and refinancers, lower rates open a window of opportunity that we haven’t seen in months.

If you’ve been waiting on the sidelines, now is the time to reach out. I can walk you through your options, explain how today’s rates affect your buying power, and help you make the right move for your situation.

Don’t wait too long. Markets move fast. The best way to be ready is to get started now.

Let’s chat.

Viral Video: Funhouse or Fun House?

You’ve never seen a home remodel like this! This video has been viewed more than 3.3 million times.

View YouTube Video

Home Improver: Reverse Your Ceiling Fan for Fall

Did you know your ceiling fans can help lower heating costs? Most people think of ceiling fans as a summertime necessity, but they can actually help you stay warmer in the cooler months, too. The secret is in the small switch on the motor housing that changes the blade direction.

In summer, fans spin counterclockwise to push cool air down. But once fall arrives, flip the switch so the blades spin clockwise at a low speed. This creates a gentle updraft, which pulls cool air up and pushes warm air back down along the walls. This circulates heat that would otherwise collect near the ceiling.

Do this and your rooms will feel cozier. Your heating system won’t have to work as hard, and you might even see a dip in your energy bill. It’s a quick, no-cost adjustment that can make your whole home more comfortable this season.

I Was at THAT Coldplay Concert and It Got Me Thinking About Mitigating Risk

/in , , , ,

A few photos I took from the show on July 16 at Gillette.

Yup, that concert. The one that’s been all over the news. The CEO, the HR director, the kiss cam, the fallout. I was there, and let me tell you, no one was quite sure what was going on in the few seconds they were on camera. But Chris Martin, Coldplay’s frontman, unwittingly called them out for their affair in front of 50,000 fans at Gillette Stadium.

It was one of those moments you won’t forget. Those two certainly won’t. And not in a good way.

It also got me thinking: risky behavior (and risky business) can have serious consequences, especially when you’re thinking in the moment and not the long-term. And that’s true not just in a packed stadium, but at home with your mortgage.

One of the riskiest moves? Adjustable-Rate Mortgages (ARMs). They might seem smart early on with the lower rate and lower payment. But when that fixed period ends, the rate can jump significantly. And if your circumstances have changed since you first signed the mortgage agreement, that jump can really hurt.

Over the years, I’ve worked with homeowners who’ve faced:

  • Job changes or layoffs
  • Major health issues
  • Divorce
  • Business downturns
  • Shifts in income or retirement plans

Any one of those can turn a manageable payment into a stressful situation fast.

With all the economic uncertainty these days, it’s worth taking a second look at your mortgage strategy. Sometimes, playing it safe is the smartest move of all.

A little planning now can help you avoid your own kiss cam moment—metaphorically speaking, of course.

* * * * *

Ready to buy a new home or refinance the one you own? Please get in touch and I’ll be happy to answer your questions and help guide you through the process. I look forward to speaking with you.

Looking for a little summer magic next month?

The Perseid Meteor Shower is back. It’s one of the best celestial shows of the year.

It peaks around August 11–13, but with a nearly full moon that week, your best chance for spotting a shooting star might actually be in early August, especially after midnight.

You don’t need a telescope or fancy equipment. Just find a dark spot, give your eyes 20–30 minutes to adjust, and look up.

Bonus points if you’re out on the Cape, in the Berkshires, or anywhere far from the city lights.

For tips on when and where to watch, check out this Meteor shower viewing guide.

Home Improver: Breathe Easier and Save Energy with Simple HVAC Tips

Summer’s here, and your air conditioner is working overtime. So give it a helping hand.

Did you know that experts recommend changing your HVAC air filter every 1–3 months?

  • Basic guideline: swap pleated filters every 90 days
  • With pets or allergies: every 60 days (or even monthly)

Clean filters deliver big benefits:

  • Improved airflow and cooling
  • Lower energy bills
  • Better indoor air quality
  • Extended HVAC lifespan (15–20 years with regular changes)

Bonus tip: Uncover energy savings under the fridge

Dust bunnies hiding behind or beneath your refrigerator can make it work much harder. Clearing out dust from the coils or underside can reduce energy usage by up to 25%.

These simple efforts can meaningfully improve your summer comfort while cutting utility costs. Best of all, they’ll help you breathe easier.

What Is the SALT Cap and How Does It Affect Homeowners and Buyers?

/in , , , ,

Did you know that in 2017, the Tax Cuts and Jobs Act placed a cap on how much homeowners could deduct in state and local taxes (known as SALT)? The limit was just $10,000 maximum per year.

That’s a significant shift from previous tax policy, when homeowners could deduct the full amount they paid in property taxes and mortgage interest. While the SALT cap applies to all states, it’s been especially painful in high-tax regions like the Northeast.

Good news: that cap might be getting a major adjustment, pending adjustments by the House and Senate.

Read the full analysis here.

What Does This Mean for You?

If you’re a homeowner:

You’ve probably felt the sting of the $10,000 cap on your tax deductions. If the SALT cap gets raised to $40,000, you may be able to deduct much more of what you’re already paying in property taxes and mortgage interest. This could lead to a lower tax bill and more room in your budget for other expenses.

If you’re thinking about buying a home:

A higher SALT deduction could make buying more affordable—especially in Massachusetts where property taxes run high. This kind of tax break might give you a reason to move forward sooner rather than later.

If you’re considering buying an investment property:

This could be your moment. Rental demand is still strong, and if tax rules become more favorable, it could boost your return on investment. You might even benefit from rising property values if more buyers enter the market once tax relief kicks in.

Here’s the bottom line:

Changes to tax policy can create opportunity. If you want to make the most of what’s coming, the time to plan is right now. Let’s look at the numbers together and see what makes the most sense for you once a SALT cap decision has been made official.

* * * * *

Ready to buy a new home or refinance the one you own? Please get in touch and I’ll be happy to answer your questions and help guide you through the process. I look forward to speaking with you.

Cheers to the 4th of July

In preparation for your July 4th celebration, why not try a real crowd-pleaser: layered, non-alcoholic drinks for the whole family!

They’re surprisingly easy to make with one key trick.

To get those bold, clean layers, pour the drinks in order of sugar content—heaviest first. For a classic patriotic combo, try this:

  • Red (bottom layer): Grenadine mixed with 7UP – about 58g sugar.
  • White (middle layer): 7UP or Sprite – around 38g sugar.
  • Blue (top layer): Blue Powerade or Gatorade – just 21g sugar.

Pour each layer slowly over the back of a spoon to keep them separated.

You can make individual glasses (best for showing off the colors) or go big with a full pitcher—just know the layers will start to blend the moment you pour.

These drinks are perfect for the Fourth, but they’re a hit at any summer party. Just don’t forget to snap a photo or two before enjoying them with friends and family,

Have a safe and happy 4th of July!

Home Improver: Skip the Citronella This Summer. Burn Used Coffee Grounds Instead.

In last month’s newsletter, we talked about the citronella ant’s unusual smell. Ants notwithstanding, many people are not fans of citronella candles, which can be overpowering for some. While it’s a common go-to for repelling mosquitoes, many people find it too strong or just plain unpleasant.

Here’s a great-smelling, chemical-free alternative: burn used coffee grounds. This works great in your yard or on camping trips.

According to the EPA, coffee grounds contain natural compounds that are toxic to many insects, including mosquitoes. And since bugs like mosquitoes have an extremely sensitive sense of smell, they find the aroma of burning coffee grounds especially unpleasant, unlike the rest of us.

How to do it:

  1. Let your used coffee grounds dry out completely.
  2. Place them in a fire-safe bowl or on a sheet of foil.
  3. Light them with a match—just like you would with incense.
  4. Let the slow burn release a stream of bug-repelling, coffee-scented smoke.

Here’s a short YouTube video with easy-to-follow tips.

It’s simple, sustainable, and a lot more pleasant than citronella. Plus, you’re putting your morning brew to work twice.

Do You Have a Mortgage Plan?

/in , , , , ,

You Should Review Your Mortgage Plan Soon. Here’s Why.

You have a financial plan.
Maybe an estate plan.
Possibly life insurance, too.

But do you have a mortgage plan?

Most people set up their mortgage and never think about it again. But a mortgage is a long-term part of your financial life. It deserves regular attention.

Think about it. You revisit your finances and insurance when things change. Your mortgage should get the same review.

Here are three opportunities to review your mortgage plan:

1. Life Events
Marriage, growing your family, divorce, or preparing for retirement often change your financial priorities. Your mortgage should reflect that.

2. Changes in Income
A new job, raise, job loss, or side income can impact your ability to borrow or pay off your mortgage more effectively.

3. Regular Check-Ins
Even if nothing big has changed, reviewing your mortgage every year helps you stay on track and spot new opportunities. For example, one of my clients may discover she has enough equity to drop her mortgage insurance, which could save her nearly $200 a month. Another might realize her adjustable-rate mortgage is about to reset. A mortgage plan review would give her time to refinance before her payment increased.

These check-ins are quick and easy, and they can make a big difference over time.

What does your mortgage plan review involve?

  • Rate Check: Could you get a better interest rate?
  • Equity Check: Has your home gained value, and could that equity serve another purpose?
  • Product Check: Is your current mortgage still aligned with your goals?

Your mortgage needs to work for your future, not just your past.

Let’s set up a quick review. I’ll walk you through it and help you make sure your mortgage is still the right fit.

* * * * *

Ready to buy a new home or refinance the one you own? Please get in touch and I’ll be happy to answer your questions and help guide you through the process. I look forward to speaking with you.

Summer Solstice

It may not feel like summer yet with cool weather and more rainy days than anyone needs. Nevertheless, the summer solstice, arriving this year on June 20, is the official kickoff of summer.

Solstice has been celebrated for thousands of years across nearly every culture. It marks the longest day of the year, when the sun reaches its highest point in the sky and daylight stretches to its fullest.

Ancient civilizations treated the solstice with great respect. In England, Stonehenge was likely aligned with the rising sun on the solstice, and people still gather there each year to welcome the light. In Scandinavia, Midsummer festivals with bonfires and maypoles are still popular.

The ancient Egyptians even timed the construction of their pyramids around the sun’s position at solstice.

It’s a time to pause, enjoy the extra daylight, and reconnect with the natural rhythms that have guided people for millennia. Happy summer!

Home Improver: Why Do My Squished Ants Smell Funny?

As you know from reading this section, from time to time we turn to science to better understand our homes. More important, we don’t shy away from the burning questions that keep homeowners like you up at night.

So let’s dive into the reason why some ants smell when you squish ’em.

If you’ve ever squashed a tiny intruder and caught a whiff of lemony furniture polish or Windex, congratulations — you’ve likely met (and murdered) the citronella ant. These ants can be pale yellow and release a citrusy odor when crushed, which is a natural defense mechanism. In ant terms, it’s basically, “You may have won the war, but you’ll never forget me.”

Despite the fancy fragrance, citronella ants are pretty harmless. They don’t sting, bite, or raid your pantry. They mostly just hang out underground, but some drop by to say hello if water is pooling anywhere in your home. Even a small amount of water collecting on a windowsill will attract them.

Now, before you go around sniffing every ant in your kitchen, know that not all odorous ants are created equal. Enter the odorous house ant: same idea, way worse smell. Think rotten coconut instead of lemon zest. Definitely not a candle scent you’ll see at HomeGoods.

So next time you notice a weird smell after a squish, you’re not losing your mind, you’re just experiencing one of nature’s weirder party tricks.

The more you know!

Mortgage Headlines Are Scary — But Here’s What They’re Not Telling You

/in , , , ,

If you’ve been keeping up with the news lately, you’ve probably seen some worrying headlines about the housing market in Massachusetts:

There’s a common thread running through every one of these stories: Despite rising rates, market uncertainty and even fears of job loss in some industries, the cost of buying a home in Massachusetts remains high and shows little or no signs of relief.

Inventory is low and the homes that are available often see competition from multiple buyers. Waiting for prices to drop simply isn’t playing out the way so many of us had hoped.

Rising Rates, Volatility, Uncertainty

We’ve seen significant rate increases and huge swings from week to week. Rate volatility has made it harder for buyers to feel confident about when to make a move. Some have chosen to sit on the sidelines, hoping for calmer waters ahead, but in the meantime, prices haven’t budged.

Layer in concerns about inflation, potential job losses and a slowing pace of home construction. Those headlines can make anyone feel discouraged. But here’s the truth: People are still buying homes every day.

So, what’s making the difference between frustrated buyers frozen in place and successful buyers living in their dream home? Simple: it’s having the right team to guide you.

Your Team Matters More Now Than Ever

Going it alone can be a costly mistake. Getting from “we’re thinking about buying” to “we’re moving in” takes more than just checking Zillow and hoping for the best. It takes strategy, coordination, and the help of professionals who know how to navigate through the stress, distractions and curveballs involved in the homebuying process.

That’s why your success depends on having the right people by your side:

  • A skilled realtor who understands the local market and helps you craft winning offers without overpaying
  • A professional mortgage broker (like me!) who can help you find and lock in the best financing option for your situation—and keep an eye on rates so you don’t have to
  • An experienced closing attorney who makes sure your paperwork is solid and your deal closes smoothly
  • Reliable movers and organizers who help reduce the stress of the transition so you can focus on your next adventure in life

It’s not about finding any house. It’s about finding the right house, with a plan that makes sense for your finances.

Don’t Let the Headlines Decide for You

Listen, the headlines aren’t wrong. There are real challenges in today’s market. But waiting for the “perfect moment” could mean missing out entirely.

If you’re feeling unsure about whether this is the time to buy, let’s talk. I’ll help you understand your options, explore creative solutions, and make a plan that works—even in a market that feels unpredictable and scary.

When you’re ready, I’m ready.

* * * * *

Ready to buy a new home or refinance the one you own? Please get in touch and I’ll be happy to answer your questions and help guide you through the process. I look forward to speaking with you.

National Barbecue Month

With Memorial Day just a month away, and the weather finally warming up here in New England, there’s no better time to fire up the grill. While many people associate barbecue season with the height of summer, May is actually National Barbecue Month.

It’s the official kickoff to outdoor cooking, backyard get-togethers, and all things grilled and smoked.

Here are four ways to ease into grilling season:

  • Keep It Simple: You don’t have to overcomplicate things. A good marinade, some fresh vegetables, and quality meats or plant-based options can go a long way. Even basic burgers and hot dogs feel special when shared outdoors.
  • Try New Ideas: Never grilled pineapple before? Curious about smoked salmon? National Barbecue Month is the perfect excuse to experiment with flavors, rubs, and recipes.
  • Prep Your Grill: Before you host that first cookout, take a minute to clean your grill, check the propane or charcoal supply, and make sure your tools are in good shape.
  • Side Dishes: Great barbecue also means fresh salads, corn on the cob or a watermelon slice to round out the meal and keep things simple.

So go ahead and invite a few friends. Keep the menu relaxed and enjoy the start of grilling season in May!

Home Improver: Is It Time To Check Your Homeowner Insurance Coverage?

When was the last time you took a close look at your homeowner insurance policy? If it’s been more than a year, or if you can’t even remember, you’re not alone. But with rising construction costs, supply chain issues, and inflation still making headlines, it’s important to make sure your coverage is keeping up.

Many homeowners set up their policy at closing and never revisit it. The problem? A lot can change in just a few years. The cost to rebuild your home may have gone up. You might have made improvements like finishing a basement, updating a kitchen or adding solar panels. Or maybe you’ve acquired higher-value personal items like jewelry, artwork or electronics. If your policy hasn’t been updated to reflect these changes, you could be underinsured. That could lead to financial stress in the aftermath of unfortunate events.

Here are a few key questions to ask when reviewing your coverage:

  • Does your policy reflect the current cost to rebuild your home (not just the market value)?
  • Have you added or upgraded anything that should be included in your coverage?
  • Are your personal belongings adequately protected (especially high-value items)?
  • Do you understand your deductible and any exclusions in your policy?
  • Do you have coverage for additional living expenses if you’re displaced during repairs?

An annual check-in with your insurance agent is a smart move. They can help you assess whether your coverage is still a good fit for your home, your belongings, and your peace of mind.

Don’t wait until you need your insurance to find out if it’s enough. Take a few minutes now to review your policy, ask questions, and make sure your home—your biggest investment—is fully protected.

Navigating Housing During Hardship and Uncertainty

/in , , , ,

If you’ve been feeling uneasy (and maybe a little queasy) about making big financial decisions lately, you’re not alone. With ongoing uncertainty in the economy and shifting policies from the new administration, many Americans are thinking twice before locking in major expenses. This is especially true when buying a home.

Tariffs and Rising Home Prices

One major factor causing hesitation in the housing market is the ripple effect of new tariffs, especially those on raw materials. Higher costs for essentials like lumber and steel directly impact new home construction, driving up prices and reducing supply. This means buyers are not only contending with interest rates but also with a market where homes may cost more than expected.

Caution Doesn’t Mean Inaction

It’s important to remember that uncertainty doesn’t mean paralysis. In fact, it’s still a good time to buy, provided you do so safely and wisely. The key? Having the right team around you.

Too often, homebuyers try to go it alone, especially when it comes to shopping mortgage rates. They chase the lowest rate they can find online, without realizing that the best deal on paper may not be the best fit for their actual financial picture.

It’s About More Than the Rate

Your mortgage isn’t just about the rate. It’s about terms, fees, flexibility and how well the loan aligns with your income streams. You have to consider salary, bonuses, commissions, or variable self-employed income.

That’s why working with a qualified mortgage broker like me, along with a trusted real estate agent and an experienced financial advisor is so critical. We help you look beyond the rate and into the full scope of your unique financial reality.

Build a Team That Knows Your Strategy

When your team understands the nuances of your financial picture, they can help you make decisions that won’t keep you up at night — decisions that hold up even in a shaky economy.

Think of it this way: navigating the current housing market is like sailing in unpredictable waters. You need an experienced crew, a good map, and a realistic destination. That doesn’t mean you don’t set sail—it just means you prepare before you get going.

A Smart Move in a Shifting Market

Despite the volatility, the housing market still holds opportunity. Rates are still affordable, and homeownership continues to be one of the best long-term investments you can make. If buying a home is part of your broader financial strategy, don’t let uncertainty scare you off. Just make sure you’re moving forward fully informed with a support system that knows how to steer the ship. (OK, I promise I’m out of sailing metaphors!)

* * * * *

Ready to buy a new home or refinance the one you own? Please get in touch and I’ll be happy to answer your questions and help guide you through the process. I look forward to speaking with you.

Spring Is Finally Here!

And with it comes a sense of renewal, energy and (hopefully) some sunshine between April showers. It’s the season for planting gardens, tackling spring cleaning projects, and cheering on the Red Sox (who are looking pretty good this year for a change).

In this issue, we’re talking about navigating the housing market in uncertain times. While the weather may be warming up, the economy is still throwing a few curveballs.

Our April Home Improver offers a quick guide to growing tomatoes for all you green thumbs (or aspiring ones).

As always, we’re here to help you make smart, informed decisions, whether you’re planting a garden, buying a home, or both.

Let’s make the most of the season ahead!

Home Improver: Getting Started Growing Tomatoes

Tomatoes are a spring/summer favorite for Massachusetts gardeners, but timing and variety are the keys to a successful harvest. Because our last frost typically falls between late April and mid-May, it’s best to start tomato seeds indoors in late March or early April. If you’d rather skip the seed-starting process, buying seedlings or starters from a local nursery in May is a reliable way to go.

Once the danger of frost has passed, usually after Mother’s Day, you can transplant your tomatoes outdoors. Choose a spot with full sun and well-drained soil, and don’t forget to harden off your plants by gradually introducing them to outdoor conditions over 7–10 days.

For Massachusetts gardens, some of the best tomato varieties include:

  • Early Girl: dependable and quick to mature
  • Celebrity: disease-resistant and great for slicing
  • Sungold: sweet, orange cherry tomatoes that thrive in short seasons
  • Brandywine: pictured above, a classic heirloom with rich flavor (requires more space and time)

Tomatoes love warmth, so wait for soil temps to hit at least 60°F before transplanting. Give them plenty of support with cages or stakes, water consistently at the base, and enjoy fresh, homegrown tomatoes from mid-summer through early fall.

Mortgage Rates Have Dropped Below 7%—How You Could Actually Pay More for Your Home

/in , , , ,

For the first time this year, mortgage rates have dipped below 7%, and are now sitting at 6.75%. While this may sound like a great opportunity to save, the reality is that low housing inventory is keeping prices high. Even as rates fluctuate, the cost of available homes continues to climb.

Why Waiting Could Cost You More

Many buyers hold off on purchasing in hope for even lower interest rates. But here’s the catch: home prices are still rising. If you wait for rates to drop further, you could still end up paying more for the same house. Even with a slightly better rate, a more expensive home could mean a higher monthly payment overall.

The Power of Buying Now

In a previous newsletter we talked about the phrase, “You date the rate, but marry the house.” This means your mortgage rate isn’t forever—you can always refinance when the time is right. But the price you pay for a home today locks in your cost before prices climb even higher.

Here’s why taking action now can be a smart financial move:

  • Start building equity sooner – Every mortgage payment helps you own more of your home, rather than paying rent with nothing to show for it.
  • Secure your home at today’s price – Even if rates decrease, rising home prices could offset those savings. Buying now gets you in the market before homes become even less affordable.
  • Refinancing is always an option – If rates go down significantly, you can refinance to take advantage of lower payments in the future.

Let’s Talk About Your Options

If you’re thinking about buying a home, the best move is to understand your financing options now. Let’s meet and discuss what’s possible for you. Debbie can help you find the right mortgage solution so you can move forward with confidence.

Call Debbie today to get started!

* * * * *

Ready to buy a new home or refinance the one you own? Please get in touch and I’ll be happy to answer your questions and help guide you through the process. I look forward to speaking with you.

What’s In a Word?

We New Englanders may have just survived the “dead of winter,” but did you know that the word “mortgage” literally means “death pledge”?

While it sounds ominous, the term comes from Old French and Latin roots. “Mort” meaning death and “gage” meaning pledge or commitment.

It originally referred to a loan that “died” once it was fully paid off or foreclosed.

Thankfully, modern homeownership isn’t nearly as grim. Instead of a lifelong burden, a mortgage is an investment—a path to building equity, stability, and financial growth.

Now as the snow melts and spring markets heat up, it may be time to embrace a mortgage for what it truly is: a long-term commitment to something worth holding onto.

Home Improver: What Are Silverfish and How Do We Get Rid of Them?

If you’ve ever flicked on a light and spotted a shiny, fast-moving, wriggling insect darting across the floor, chances are you’ve encountered a silverfish. These prehistoric pests have been creeping around for over 400 million years—and unfortunately, they don’t mind making themselves at home in yours.

What Are Silverfish?

Silverfish are small, wingless insects with slender, teardrop-shaped bodies covered in silvery scales. They move with a distinctive, wiggling motion—almost like a fish swimming—hence the name. (You didn’t really think they were fish, did you? Fine, maybe we did too.) Typically, they measure around ½ to ¾ of an inch long, with long antennae and three bristle-like appendages sticking out of their tails, making them look even more unsettling.

Why Are They So Gross?

Let’s be honest—silverfish aren’t just pests, they’re nightmare fuel. Their metallic sheen, eerie movements and tendency to scurry out of dark corners make them a deeply unwelcome sight in any home. And because they thrive in damp, dark places, you’re most likely to find them in bathrooms, basements, closets and attics—often lurking in bookshelves, pantries, or even your favorite old photo albums.

How Do You Get Rid of Silverfish?

Let’s face it. Silverfish are survivors, and they can live for years while feasting on everything from paper and glue to clothing and food crumbs. The good news? There are several effective ways to get rid of them:

  1. Reduce Humidity: Silverfish love moisture, so use a dehumidifier in damp areas like basements, bathrooms, and laundry rooms. Fix any leaky pipes or faucets to cut off their water supply.
  2. Declutter & Seal Up Food Sources: These pests feed on starches, including books, wallpaper glue, cardboard, flour, and even sugar. Store food in airtight containers, vacuum regularly, and avoid leaving piles of paper or cardboard boxes sitting around.
  3. Use Natural Repellents: Diatomaceous earth (DE) is a natural powder that kills silverfish by dehydrating them. Sprinkle it along baseboards, in cabinets, or in other problem areas. Cedar shavings, cinnamon, and citrus peels can also deter them.
  4. Set Traps: Sticky traps work well for capturing silverfish. You can also make a DIY trap using a jar with a starchy bait (like flour or cereal) and wrap the outside in tape. They’ll crawl in but won’t be able to climb back out.
  5. Call Pest Control If It’s Bad: If you’re dealing with a full-blown infestation, professional exterminators can help eliminate silverfish for good.

Good Riddance

Once you’ve gotten rid of silverfish, prevent their return by keeping your home dry, clutter-free and well-sealed. Store books, documents, and seasonal clothing in plastic bins instead of cardboard. Vacuum regularly to remove crumbs and dust that might attract them.

How Might Trump Affect Housing Prices?

/in , , , ,

The new administration is moving quickly to introduce changes in Washington, with President Trump signing a number of executive orders that could have a major impact. One of these orders focuses on making housing more affordable—an issue many Americans have been hoping for. However, the order did not provide many details on how this goal will be achieved beyond mentioning that government regulations contribute to construction costs. Experts believe the administration could reduce or remove certain energy efficiency rules for housing, which could help lower building expenses.

The administration has also appointed new leaders for important housing agencies, but so far, it hasn’t outlined a clear long-term strategy for addressing housing and mortgage concerns. While there is hope that future measures will prioritize home affordability, the specifics of these actions remain uncertain. Some experts warn that other executive orders, like stricter immigration policies, could create challenges by reducing the labor supply for construction, which might increase costs for builders and limit potential savings.

The president has also expressed interest in lowering interest rates to boost economic activity. However, on Wednesday, the Federal Reserve decided to pause its rate-cutting campaign, holding rates steady at a range of 4.25% to 4.5%. The Fed cited ongoing uncertainty related to inflation and the president’s policies on trade and immigration.

Officials indicated they plan to take a “patient” approach, waiting for more data on the economy, inflation and the impact of policy changes before making further decisions. While inflation has eased, concerns remain about how tariffs on imports and changes to immigration policy could affect consumer prices and economic stability.

Industry experts are watching closely to see how regulatory changes, labor costs and potential shifts in interest rates will play out in the coming months. While there is optimism that some measures will ease housing challenges, the housing and financial markets are in a wait-and-see mode, navigating uncertainty as new policies take shape.

And, of course, this takes us back to last month’s article about the futility of waiting for the right moment.

* * * * *

Ready to buy a new home or refinance the one you own? Please get in touch and I’ll be happy to answer your questions and help guide you through the process. I look forward to speaking with you.

Nation Library Lover’s Month

Libraries have evolved with the times. They’ve become trusted community hubs offering knowledge, connection, and opportunity.

During National Library Lovers’ Month, we celebrate their role in empowering individuals and strengthening communities. Here’s why.

  1. Access for All: Libraries break down barriers by offering free access to books, technology, and information for anyone—regardless of income or background. Did you know you can use your library card to download free audiobooks with the Libby app?
  2. A Gateway to Lifelong Learning: From children’s story hours to adult literacy programs and online research databases, libraries cater to learning at all ages.
  3. Community Connection: Most libraries host local events, book clubs and job search workshops.

Let’s give our local libraries the recognition they deserve in February and throughout the year!

Home Improver: Top 3 Best Uses for Baking Soda

We all know by now that baking soda is a magical ingredient that goes far beyond baking. It’s a household superhero with endless practical uses. Here are three of the best ways to put this natural, budget-friendly product to work around your home:

  • Deodorize and Freshen Spaces: Sprinkle baking soda in your fridge, trash cans, or shoes to neutralize odors. Its odor-absorbing power works wonders in keeping spaces smelling fresh without artificial scents.
  • Natural Cleaning Power: Create a paste with water to scrub sinks, tubs, and countertops. It’s gentle on surfaces but tough on grime and stains, making it a safer alternative to harsh chemicals.
  • Unclog and Freshen Drains: Pour half a cup of baking soda followed by vinegar down the drain. Let it bubble for 15-20 minutes, then rinse with hot water. This combo breaks down clogs and keeps drains odor-free.

With baking soda in your pantry, you’ve got an eco-friendly solution on hand to tackle many of your home’s little challenges!