Welcome to Autumn

Welcome to Autumn

The season of the year between summer and winter, during which the weather becomes cooler and many plants become dormant, extending in the Northern Hemisphere from the autumnal equinox to the winter solstice and popularly considered to include the months of September, October, and November.

Happy Independence Day

Happy Independence Day

On July 4, 1776, the 13 colonies claimed their independence from England, an event which eventually led to the formation of the United States. Each year on the fourth of July, also known as Independence Day, Americans celebrate this historic event.

Conflict between the colonies and England was already a year old when the colonies convened a Continental Congress in Philadelphia in the summer of 1776. In a June 7 session in the Pennsylvania State House (later Independence Hall), Richard Henry Lee of Virginia presented a resolution with the famous words: “Resolved: That these United Colonies are, and of right ought to be, free and independent States, that they are absolved from all allegiance to the British Crown, and that all political connection between them and the State of Great Britain is, and ought to be, totally dissolved.” Read more on Military.com

Happy Father’s Day!

Happy Father’s Day!


Father’s Day 2020 is celebrated this Sunday, June 21. Ever wondered how Father’s Day came to be? It’s more than a Hallmark holiday. Father’s Day was first celebrated after the worst mining accident in U.S. history. Learn all about Father’s Day—including fun ideas, quotes, and recipes to celebrate the role of fathers in our lives.

Why We Celebrate Father’s Day

Father’s Day celebrates and honors the men who have embraced the essential role of fatherhood. On this day, we also thank fathers and father figures for the sacrifices they make, for embracing the responsibility of nurturing and raising children, and for devotion to their family.

When Is Father’s Day 2020?

In 2020, Father’s Day will be celebrated on Sunday, June 21. This happens to be just one day after the summer solstice (June 20 at 5:44 P.M. Eastern Time), making it the first full day of the summer season.

Father’s Day is celebrated annually on the third Sunday in June in the United States, United Kingdom, Canada, India, and a number of other countries around the world.

Happy Mother’s Day!

Happy Mother’s Day!

  • “A mother is a person who, seeing there are only four pieces of pie for five people, promptly announces she never did care for pie.” —Tenneva Jordan

  • “Mothers can look through a child’s eyes and see tomorrow.” —Reed Markham

  • “A mom forgives us all our faults, not to mention one or two we don’t even have.” —Robert Brault

  • “In the end, mothers are always right. No one else tells the truth.” —Randy Susan Meyers

  • “Mothers hold their children’s hands for a short while, but their hearts forever.” —Unknown

  • “I want my children to have all the things I couldn’t afford. Then, I want to move in with them.” —Phyllis Diller

  • “If evolution really works, how come mothers have only two hands?” —Milton Berle

  • “There is only one pretty child in the world, and every mother has it.” —Chinese Proverb

  • “Mom, I love you, even though I’ll never accept your friend request.” —Unknown

  • “To the world, you are a mother, but to your family, you are the world.” —Unknown

  • “A mother is clothed with strength and dignity, laughs without fear of the future. When she speaks her words are wise and she gives instructions with kindness.” —Proverbs


A Sign Buyer Confidence Is Shifting: Mortgage Applications Rise

A Sign Buyer Confidence Is Shifting: Mortgage Applications Rise

A Sign Buyer Confidence Is Shifting: Mortgage Applications Rise

Realtor Magazine

Mortgage applications for home purchases, a gauge of future home buying, saw a 12% uptick last week, reversing a month of plummeting activity due to the COVID-19 pandemic, the Mortgage Bankers Association reported. Housing experts say it could mark a sign that home buyers are returning.

Refinancing demand fell last week, which caused the overall volume to decline by 3.3% for the week, according to the MBA’s seasonally adjusted index. The overall mortgage application volume is still 20% lower than a year ago. But the increase in home purchase volume was the first uptick in weeks. Anecdotal reports from real estate firms point to an increase in buyer demand over the past two weeks, which is now starting to show up on purchase applications from buyers.

“The 10 largest states [by application volume] had increases in purchase activity, which is potentially a sign of the start of an upturn in the pandemic-delayed spring home buying season, as coronavirus lockdown restrictions slowly ease in various markets,” says Joel Kan, the MBA’s associate vice president of economic and industry forecasting. “California and Washington continued to show increases in purchase activity, with New York seeing a significant gain after declines in five of the last six weeks.”

One potential incentive for buyers to get moving: Borrowing costs remain near historical lows. The average contract interest rate for the 30-year fixed mortgage dropped from 3.45% to 3.43% last week, the MBA reports. (Points and the origination fee averaged 0.34 for loans with a 20% down payment.)

Meanwhile, applications for refinancing dropped 7% last week. Still, applications are 218% higher than a year ago as homeowners rush to take advantage of low rates in lowering their monthly mortgage payments. But some lenders reportedly are offering more limited refinancing products recently, working through capacity issues and navigating a wave of homeowners taking forbearance options that have hit bank profits. Refinance interest rates have moved slightly higher than have rates to purchase a home, CNBC reports.

Read it on Realtor Magazine