So excited to get the little one in the pool she absolutely loves it. I think she will be a natural swimmer.
I don’t know some people would call me crazy. I guess there’s just something about a quick task that can be completed. Laundry is something that doesn’t take very long to do and you can see the results. Who doesn’t love pulling out a warm batch of claims that smell fresh and clean. I also love stacking, and putting the items together. I guess it’s just the organization of the job done and completed.
It is Jimmy’s 1st Father’s Day with Aubrey and I’m super excited to make it special. I thought a lot about gifts and such these past few weeks and came up with a few things I think are just adorable.
Aubrey has a sweet outfit to wear that’s embroidered “I put the happy in Father’s Day”. I bought an acrylic cut out of a favorite photo of her and I printed her feet and added a sweet saying ” I love you from the top of my head to the tips of my toes. I’m excited I show him everything.
I cannot believe how many people have called me in that past 2 weeks to sell their homes. At least 5 Home value reports have been asked for and 41 new registrations for information in the past 30 days. Not everyone is going to be a seller and not every inquire is to sell a home, however its amazing at the activity
I listed a large brick ranch in the last 30 days and received an offer with in 24 hours. It was a very low offer and we were surprised at how agressive the buyer was with wanting a bargain The offer never was accepted and with in 1 weeks another offer came in with a net the seller was so much happier with.
What are you seeing in your community ? Are there less signs in the yard , are there more stickers that show under contract.
Big changes for FHA
Need a home in Hampton roads? I’d love to help.
FHA annual mortgage insurance will remain on the mortgage for the life of the loan. This is the mortgage insurance paid monthly by the borrower. Once in effect, home owners will need to either refinance to a non-FHA loan or pay it off to no longer have mortgage insurance. Currently, the monthly mortgage insurance can be dropped after 5 years with proof the loan to value is less than 78%.
Monthly Mortgage insurance is going to increase. The annual mortgage insurance (remember, this is the one that is paid monthly) is set to increase by 0.10 basis points. FHA Jumbo loan will see an increase in the mortgage insurance by 0.05%.
The first bullet point is huge. It used to be that after 5 years you could prove you are under a 78% LTV and the monthly mortgage insurance would be removed. Now it will remain for the life of the loan until its paid off or refi’d into a convetional loan.
The second one will mean monthly payments are going up for FHA loans.
Obviously FHA feels like it is way over exposed in the marketplace and is looking not be the MAIN source of funding for home loans. They are also trying to increase their capital reserve so they can pay out the mortgage insurance claims on foreclosures. They’ve been hard it the last few years.
Union Mortgage Group
582 Lynnhaven Prkwy ste 300
Virginia Beach, VA 23452
I’m sitting here watching the news stressing about all the terrible cases of influenza this year. And how it is going to be a terrible year with a peek and drastic illnesses. I’m a new mom and the baby is only eight weeks old I did not get a flu shot while I was pregnant. Now I’m panicking wondering if I should or shouldn’t. I do exclusive breast-feeding and I’m hoping that that will help in case I do get sick so that it’s not so bad on her.
I’ve never had the flu and I’ve never had a flu shot. I’m basically staying in for the entire winter and limiting any exposure to public places. I do try to wash my hands quite a bit and I think I’ll pick up some antibacterial gel. I don’t really have many visitors and I’m doing everything I can to keep her in a bubble.
So what’s your take for getting the flu shot and introducing bacteria and viruses to my body. If I don’t get the flu shot and I get sick it could be worse. Getting the flu shot or not getting the flu shot will that increase my child’s exposure.