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Starting a Coronavirus Victory Garden

By Virtual Results PubSub

Many Americans have been searching for ways to pass the time while staying at home during the coronavirus pandemic. If you’re a homeowner who has some outdoor space, then why not start a victory garden? Gardening is great for your physical and mental health. It can also be an excellent source of fresh fruits and vegetables if you plant some of these fruit trees for sale. Here’s a look at how to start a coronavirus victory garden of your very own. To make things easier, we are going to share some simple yet effecting tips and ideas on how to maintain garden at home and keep it clean and healthy easily. Just follow this link and you will find tricks and you will be able to see your home garden blooming, especially if you love nature. You may also work with professionals to come up with a beautiful landscape design that fits your property. There are a lot of landscape design to choose from like adding landscaping rock and stone, fruit-bearing trees, etc. For those nature enthusiast that a garden may not be enough to satisfy their need to be close to nature can check out this eco adventure for an options to get away from the busy city life and feel more connected to earth.

Health benefits

First of all, let’s talk about the health benefits of gardening. Putting your hands in the earth and connecting to nature during these challenging times can help you manage stress. Gardening is a calming activity that can also help you blow off steam. And at the end of the season, you will enjoy the literal fruits of your labor by harvesting fresh-from-the-garden fruits and vegetables.

Find the best site

When you’re first starting out on your gardening adventure, it’s best to think small. While you may have the enthusiasm now to tackle a big project, that energy could wane as the summer wears on and the tasks pile up. Try starting with some herbs and vegetables in containers or in raised beds. However, as suggested by Rich’s Tree Service, Inc designing your landscape can be a very exhausting process but with the help of professionals it can be way more interesting.

According to the Premier Gardens website, it’s much easier to begin a garden in a container of some sort than it is to dig up the lawn and amend the soil so that it’s ready for planting. Ideally, you’ll want to position your garden in an area that gets a good amount of sun every day. And be sure that your garden is close to a watering source. If your garden doesn’t get enough water from rain, you’ll need to supplement with a drink from the hose or watering can.

Choose easy plants

There are some plants that are easy to grow, and some that require the knowledge of an experienced gardener. When you’re starting your first garden, choose varieties of herbs, vegetables, and fruits that are easy to grow with little intervention from you. Most herbs grow easily in containers and they don’t need to be harvested whole. You can snip off leaves as you need them. Good herbs to try include basil, thyme, rosemary, and oregano. Fruits and vegetables that are easy for beginners include tomatoes, cucumbers, lettuce, beans, and peas.

Consider adding perennials

If you think you’ll be gardening for at least a few more years, then consider adding perennials to your coronavirus victory garden. Perennials are plants that grow back every year. They’re a great bang for your gardening buck because you plant them once and enjoy them for years to come. As they mature they require less work and attention from you. Some wonderful edible perennials to plant include raspberries, blackberries, blueberries, rosemary, asparagus, rhubarb, and tarragon. And if you’re feeling especially ambitious, why not plant a tree that bears fruit? While it will take a few years for your tree to produce in abundance, it’s definitely worth it in the long run. Some great varieties to plant include apple, pear, plum, peach, persimmon, orange, lime, and lemon. Be sure you choose a type of tree that will survive and thrive in your climate.

Coronavirus and Mortgages

By Virtual Results PubSub

Back in March, the federal government cut interest rates in an attempt to stimulate the economy during the COVID-19 pandemic. In addition, many lenders are offering programs that will allow homeowners who have lost income to pause mortgage payments without hurting their credit. There are many ways that these tactics are impacting the current real estate market. Here’s what you need to know.

The coronavirus impact on mortgage rates

Last month, the Federal Reserve cut interest rates and also announced that it would buy more mortgage-backed securities. These were both in an effort to keep the market functioning smoothly. Buying mortgage-backed securities means that lenders will have money for buyers to borrow. Between mid-March and mid-April, fixed mortgage rates fell by almost half a percentage point. For homebuyers, this can mean significant savings, especially if you lock-in the interest rate.

The coronavirus impact on refinances

Current homeowners may be even more enticed than buyers by the drop in mortgage rates. Many are deciding if now is a good time to refinance their loans. Keep in mind that even a small reduction of your rate can net you significant savings over time, even when you consider the closing costs. This is especially true if you plan to stay in your home long term. Be aware that this is a busy time for lenders who are processing refinance applications, and as a result it may take longer to finalize your new loan. And just like when you got your first mortgage, you should shop around so that you get the best possible rates and terms.

The coronavirus and home appraisals

One crucial step in the closing process for a home loan is an appraisal. The lender typically sends a professional appraiser to the property to determine its fair market value. Of course, with strict social distancing guidelines in place around the country, it is difficult to perform an appraisal in the traditional way. For this reason, new rules have been implemented to help keep the process moving forward without putting anyone in unnecessary danger. Some lenders have approved drive-by appraisals, where the appraiser drives by the home to evaluate it. Other lenders have also authorized the use of desktop appraisals where the appraiser uses existing data to determine the value of the home.

The coronavirus and mortgage relief

If you’re one of the millions of Americans who is suddenly out of work, then you may qualify to get mortgage relief. The recently enacted CARES Act directs lenders that hold federally backed mortgages to offer payment suspension for as long as 12 months. During this time, homeowners will not be charged late fees. They will also not be reported to any credit bureaus for late payments. In addition, foreclosures and evictions will be suspended for at least 60 days. Federally backed home loans are those that are insured by the FHA, the VA, and the USDA, among others. If the federal government does not back your loan, then contact your lender or loan servicer to determine if there are options that may be available to you.

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