Happy Thanksgiving

This time of year there is so much to be grateful for.

Much comes to mind such as a free country to do business in, service members across the globe who protect our lives and our freedoms, co-workers and contractors who make our work better.

We are especially thankful though for you – our homeowners.

You’ve allowed us to build your most precious investment. The place where you and your loved ones will gather in this holiday season. A home means so much especially this time of year. Allowing us to be a small part of that experience makes us extremely grateful.

So enjoy your Thanksgiving holiday, whether traveling or home, surrounded by friends and family or quietly with a loved one. And Happy Thanksgiving from all of us.

Here’s a favorite recipe from our family to yours:

Pumpkin Pound Cake

Ingredients

2-1/2 cups sugar

1 cup canola oil

3 large eggs

3 cups all-purpose flour

2 teaspoons baking soda

1 teaspoon ground cinnamon

1 teaspoon ground nutmeg

1/2 teaspoon salt

1/4 teaspoon ground cloves

1 can (15 ounces) solid-pack pumpkin

Confectioners' sugar

Directions

1. Preheat oven to 350°. In a large bowl, combine sugar and oil until blended. Add eggs, one at a time, beating well after each addition. Combine flour, baking soda, cinnamon, nutmeg, salt and cloves; add to egg mixture alternately with pumpkin, beating well after each addition.

2. Transfer to a greased 10-in. fluted tube pan. Bake 60-65 minutes or until toothpick inserted in the center comes out clean. Cool 10 minutes before inverting onto a wire rack. Remove pan and cool completely. Dust with confectioners' sugar.

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Now is the Time to Buy

If you haven’t noticed that the holiday season is in full swing all you need to do is enter one of the many retail locations offering a mix of Halloween, Thanksgiving and Christmas décor. And although it may seem like time is going by at an alarming speed there is still time to get into the home of your dreams for the holidays!

A new home can be great for so many reasons

-        More room for overnight guests

-        Open concept for entertaining

-        Warranty coverage for any unexpected home issues

-        Brand new bathrooms

-        A welcoming entryway just prime for decorating!

-        Walk-in closets, linen closets and extra storage

If you want a new home in time for those Holiday guests and parties, now is the time to buy!  To speed up the financing process obtain pre-approval before making an offer on a new home.  Work with your builder to understand the construction time frame and if it will meet your needs.

A new home is a great way to celebrate the Holidays – so don’t wait!

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Some Perspective on Mortgage Rates

Interest rates are rising and economists predict they will continue through the end of the year. While this can intimidate buyers it is important to keep these increases in perspective. Even if mortgage rates reach 5 percent as predicted this is historically low. Mortgage rates between 1979 and 1990 consistently averaged above 10 percent.

So what does this mean for today’s home buyers?  There are ways you can counter the increase in mortgage rates. If you have the ability, put more money down which will decrease the amount borrowed.

Work on ways to improve your credit where possible. With a credit score above 760 it is possible to get the lowest available interest rate on your home loan.

Already on the market for a new home? Act quickly! With interest rates expected to rise through the end of the year the faster you can lock in your loan and save yourself some money!

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