Are You Haunted By Bad Credit?
You could save thousands of dollars by refinancing your mortgage!
Higher credit scores translate into lower interest rates! If you have successfully made your mortgage payments on time and in full, your credit score may have improved significantly since you first took out your mortgage. Refinancing could save you thousands of dollars by securing a lower interest rate based on an improved score. Call Homestead Funding Corp. today to see if refinancing is in your bag of treats!
Pumpkin season is here and so are the delicious breads, cakes, and pies that come with it. However, if you’re looking for lighter pumpkin treat this fall, this Pumpkin Cheesecake Mousse is the answer!
8 ounce package of cream cheese, softened
1 cup pumpkin puree
¼ cup sugar
1 teaspoon vanilla
1 teaspoon cinnamon
¼ teaspoon ginger
2 cups whipped cream
6-8 ginger cookies, crushed (optional)
cinnamon or nutmeg
Whip together cream cheese and pumpkin puree. Add sugar to mixture and beat until sugar is fully incorporated. Blend vanilla, cinnamon, and ginger into cream cheese and pumpkin mixture. Slowly fold in whipped cream and refrigerate for about 1 hour.
Seal ginger cookies in a plastic bag and crush into large crumbs. Leftover crumbs can be crushed further to create a cookie dust topping. Place a layer of cookie crumbs on the bottom of each serving dish. Spoon pumpkin mixture on top of cookie layer and top with whipped cream and/or cinnamon, nutmeg, or ginger cookie dust.
It’s finally October which means Halloween is on its way and the season brings along all sorts of family fun. Pumpkin carving, for example, has been a staple of the holiday for many years and is a great way to get everyone involved in decorating. Here are some fun and helpful tips to enhance your pumpkin carving and to help your finished pumpkins last longer.
Pick the right pumpkin. You’ll have a lot of trouble creating the perfect pumpkin decorations if the pumpkin is not up for the task. Look for a pumpkin with:
- A flat bottom so that it sits up straight
- A stem of at least 1 to 2 inches (pumpkins without stems don’t last very long)
- No preexisting holes, cuts, or soft spots
Color is key. It’s helpful to know pumpkins that are a lighter shade of orange will be much easier to cut into and therefore might be a better option for children. However, dark orange pumpkins keep better and last a bit longer.
Store your pumpkin someplace cool. A pumpkin kept in a cool place until it is carved will last longer after it’s been carved. Do not freeze your pumpkin or it will get mushy.
Clean your pumpkin. Before you start carving, wash your pumpkins with warm water and let them dry.
Make it last. To prevent your pumpkin from deteriorating after you’ve carved it follow one of these tips:
- Coat the cuts with petroleum jelly
- Spray the pumpkin with a solution of 1 tbsp bleach and 1 qt water
- Submerge the whole pumpkin in white vinegar
If at any point your pumpkin starts to deflate, soak it in cold water for a few hours until it pops back into shape.
Placement is essential to presentation. Try to keep your newly carved pumpkins out of direct rain or sunlight as these will shorten their lifespan. Also, the heat from real candles will cook the pumpkin from the inside and cause it to deteriorate, so use electric tea lights to keep your spooky friends looking good as new through the holiday.
VA mortgages are an excellent loan option for qualified service personnel. With no down payment and no monthly mortgage insurance required, VA mortgages are a great benefit for those individuals who have served their country. Depending on your loan program needs, most if not all settlement charges can be financed. This may reduce cash out of pocket to almost nothing. Homestead Funding Corp. is proud to offer VA mortgage programs to our service men and women, veterans, and their families.
There are other benefits to VA mortgages which include the ability to use gift funds to cover closing costs and prepaid expenses. The program allows borrowers to purchase the following eligible properties: Single family homes, condos, planned unit developments (PUDs), townhomes and 2-4 unit owner-occupied homes. We also offer VA Streamline Refinance options for those who already have VA mortgages. If you think that you or someone you know may qualify for a VA mortgage, please see the eligibility chart here.
As a VA approved mortgage lender, Homestead Funding has helped thousands of families finance their dream homes. If you or someone you know could benefit from a VA mortgage, Homestead can help! Contact us today to learn more about this program!
Shopping for the Right Mortgage
The list of available mortgages has grown significantly over the years, leaving you to sift through all the information on all the different options before finally finding the one that works best for you. There are ways, however, to make this process easier. Seek advice from an experienced mortgage professional and have them help you to consider these questions:
- How long do you anticipate living in this home?
- Do you expect any changes in the next few years such as expanding your family or having your children go to college and/or move out?
- Do you expect any major changes in income due to promotions, relocations, retirement, pensions, or inheritance?
- Are you expecting any changes in your investments?
- Are you conservative, aggressive, or somewhere in between when it comes to investment strategies?
These questions are important because they help determine which loan program will best fit the stage of life you’re in. Each loan has different aspects that appeal to and benefit different kinds of households. They’ll also help you determine whether or not you’re working with the right mortgage professional. If they don’t ask these questions, they may not be your most helpful choice.
Ultimately though, the most important factor you have to consider is cost. Make sure you’re given a complete picture of how much your mortgage will cost you over the period of time you intend to have the loan. This will illustrate the greater picture of your financial goals and allow for adjustments should changes occur sooner than anticipated. The recommended time frame for this projection is anywhere from three to seven years.
Call Homestead Funding Corp. today to find out what mortgage is right for you!