Brian Duffner "The Producer$"
Real Estate Of Florida
Call Brian: 561-352-0183
Visit Us At: www.producers1.com
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Over 350 Million In
Closed Sales. Specializing In The Residential & Commercial Real
Estate Market. Expert Knowledge In All Areas Of Residential, Commercial
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Monday, April 7, 2017
A New Month, but Little Change in Mortgage Rates
The good news just keeps on coming for homebuyers. The only increase in average mortgage rates today was for 30-year fixed jumbo loans, which inched up a mere 0.02%.After the Federal Reserve recently raised its benchmark federal funds rate, and many banks subsequently bumped their prime rates -- that is, the rates they charge their most creditworthy customers -- experts expected mortgages would begin creeping up. Thankfully for folks shopping for homes, those increases have yet to materialize, and rates remain near historically low levels.
Here are today's average mortgage rates across the U.S., along with where they stood a month ago.
| Mortgage Type | Mortgage Rates Today | Mortgage Rates 1 month ago |
|---|---|---|
| 30-year fixed jumbo | 4.55% | 4.48% |
| 30-year fixed | 3.99% | 3.99% |
| 15-year fixed | 3.18% | 3.13% |
| 30-year fixed refinance | 4.00% | 4.01% |
| 15-year fixed refinance | 3.20% | 3.18% |
| 5/1 ARM | 3.17% | 3.15% |
| 5/1 ARM refinance | 3.27% | 3.32% |
As inexpensive as mortgages are today, just five years ago, U.S. homebuyers were enjoying even lower rates. For some perspective, here are the rates home buyers could expect five years ago.
| Mortgage Type | Mortgage Rates, March 2012 |
|---|---|
| 30-year fixed | 3.91% |
| 15-year fixed | 3.14% |
| 1-year ARM | 2.78% |
| 5/1 year ARM | 2.84% |
For homeowners in search of a home equity line of credit (HELOC) or equity loan, both rates remained relatively stable again today. HELOC and equity loan rates are now 5.19% and 5.29%, respectively. HELOC rates are still below last month's 5.26%, though home equity loans are above March's 5.26%.
7 Ways Meal Kits Improve the Dining Experience
Even
though it’s easier than ever to have prepared food delivered to your
door, more people are turning to meal kits to make high-quality meals at
home. No more scouring cookbooks and blogs for recipes, grocery
shopping, and spending hours to prepare a worthy dish. Cooking has
become simpler with the rise of meal-kit companies, empowering people to
skip the takeout, and commit to cooking more and living better.
Here are a few reasons why customers are embracing meal kits:
Make Meals Special
Distractions are always a click away, which makes coming together with loved ones that much more meaningful. With options to accommodate any number of people or nights, Plated lets you enjoy impressive meals whether you’re cooking with one friend or your whole family.
Learn New Skills
Regardless of whether you’re a novice or an expert chef, recipes are created to be both enticing and educational. Descriptive instructions make it easy to master new techniques, like creating empanadas, preparing fish en papillote, or making pizza.
Enjoy Effortless Variety and Choice Without the Struggle
Lasagna may be your go-to, but after receiving step-by-step instructions on how to cook dinners like Bibimbap and Steak au Poivre, your repertoire will grow. While not all meal kit services let you choose from 12 unique recipes each week, Plated does, making sure that dinner always suits your preferences. Try it now and get your first Plated Night free.
Save Time and Skip the Grocery Store
Parking, picking through produce, lines, and paying for unique ingredients is a total headache. With meal kits, this all disappears—everything you need is delivered to your doorstep. Not to mention, Plated dinners are a snap to make, averaging about 25–45 minutes per meal.
Waste Less Food
When is the last time you finished a container of spices or herbs? Exactly. When cooking eclectic recipes, you rarely need the quantities of ingredients sold in stores. Since meal kits send precisely what you need, when using Plated, you’ll be taking a step toward way less waste.
Know What You’re Eating
While menu descriptions help, it’s hard to know every ingredient that goes into restaurant meals. Quality is a chief concern for Plated. Responsibly raised meats, sustainably caught fish, and seasonal items are sent right to you.
Minimize Clean Up
Whether you have a well-stocked kitchen or not, the less equipment you need, the better. By having culinary experts maximize recipe efficiency and minimize the tools required for your meal, you won’t find yourself trapped with an overflowing sink full of dishes.Take your dinners to the next level. Try Plated now and select from 12 unique weekly recipes, and get step-by-step instructions and quality ingredients delivered to your door. Need extra encouragement? Order now and get your first Plated Night free.
When It Is Time To Buy Or Sell
Call: 561-352-0183
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THE PRODUCER$
An inviting open house can put your home on buyers’
short lists. Four weeks before the open house
· Ask your parents to babysit the kids the weekend of the open
house. Then book a reservation for your pet with the dog sitter or
at the kennel. Having everyone out of the house on the day of will
help you keep your home tidy and smelling fresh. Plus, no dogs
and no kids equal more time for last-minute prep.
· Line up a contractor to take care of maintenance issues
your REALTOR® has asked you to fix, like leaking faucets,
sagging gutters, or dings in the walls.
· De-clutter every room (even if you already de-cluttered
once before). Don’t hide your stuff in the closet—buyers will
open doors to size up closet space. Store your off-season
clothes, sports equipment, and toys somewhere else.
· Book carpet cleaners for a few days before the open house
and a house cleaning service for the day before. Otherwise, make
sure to leave time to do these things yourself a couple of days
before.Three weeks before the open house· Buy fluffy white
towels to create a spa-like feel in the bathrooms.
· Buy a front door mat to give a good first impression.
· Designate a shoebox for each bathroom to stow away
personal items the day of the open house. Two weeks
before the open house
· Clean the light fixtures, ceiling fans, light switches,
and around door knobs. A spic-and-span house makes
buyers feel like they can move right in.
· Power-wash the house, deck, sidewalk, and driveway.
One week before the open house
· Make sure potential buyers can get up close and personal
with your furnace, air-conditioning unit, and appliances. They’ll
want to read any maintenance and manufacturer’s stickers to
see how old everything is.
· Clean the inside of appliances and de-clutter kitchen cabinets
and drawers and the pantry. Buyers will open cabinet doors and
drawers. If yours are stuffed to the gills, buyers will think your
kitchen lacks enough storage space.
· Put out the new door mat to break it in. It’ll look nice, but not
too obviously new for the open house.Week of the open house
· Buy ready-made cookie dough and disposable aluminum
cookie sheets so you don’t have to take time for clean up
after baking (you can recycle the pans after use). Nothing says
“home” like the smell of freshly baked cookies.
· Buy a bag of apples or lemons to display in a pretty bowl.
· Let your REALTOR® know if you’re running low on sales
brochures explaining the features of your house.
· Clean the windows to let in the most light possible.
· Mow the lawn two days before the open house.
Mowing the morning of the open house can peeve house
hunters with allergies.Day before the open house
· Make sure your REALTOR® puts up plenty of open-house
signs pointing in the right direction and located where drivers
will see them. If she can’t get to it on the Friday before a Sunday
open house, offer to do it yourself.
· Put away yard clutter like hoses, toys, or pet water bowls
· If you have a fireplace lay fresh logs in the fireplace.
Day Of The Open House
· Put checkbooks, kids’ piggy banks, jewelry,
prescription drugs, bank statements, and other valuables
in the trunk of your car, at a neighbor’s house, or in your
safe. It’s rare, but thefts do happen at open houses.
· Set the dining room table for a special-occasion
dinner. In the backyard, uncover the barbecue and set
the patio table for a picnic to show buyers how elegantly
and simply they can entertain once they move in.
· Check any play equipment for spider webs or
insect invasions. A kid screaming about spiders won’t
endear buyers to your home.
· Clean the fingerprints off the front and glass door.
First impressions count.
· Put up Post-It notes around the house to highlight
great features like tilt-in windows or a recently
updated appliance.
· Remove shampoo, soap, toothbrushes, and other personal
items from the bathtub, shower, and sinks in all the bathrooms.
Store them in a shoe box under the sink. Removing personal
items makes it easier for buyers to see themselves
living in your house.
· Stow away all kitchen counter-top appliances.
One Hour Before The Open House
· Bake the ready-to-bake cookies you bought earlier
this week. Put them on a nice platter for your open house
guests to eat with a note that says: “Help yourself!”
· Hang the new towels in the bathrooms.
· Put your bowl of apples or lemons on the kitchen
table or bar counter.
· Pick up and put away any throw rugs, like the bath mats.
They’re a trip hazard.
15 Minutes Before The Open House
· Open all the curtains and blinds and turn on the
lights in the house. Buyers like bright homes.
· Light fireplace logs (if it’s winter).
· Didn’t get those cookies baked? Brew a pot of coffee to
make the house smell inviting. During the open house .
* Most Important!
Get Out Of The House
And Let Your
REALTOR® sell it!
Potential buyers will be uncomfortable discussing your home
if you’re loitering during the open house. Take advantage of your
child- and pet-free hours by treating yourself to something you
enjoy–a few extra hours at the gym, a trip to the bookstore, or a
manicure.
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