Lesley Kirsch, Realtor

06/04/2026

Voting is still a powerful tool. Check out what voters think about housing affordability; especially renters who feel locked out.

06/04/2026

Looking to change the mood of the day? A little creativity can go a long way.

Creative-types can feel stalled if they don’t have a frequent creative release. But with work ...

05/28/2026

Set it and forget it!

Saving for a home, retirement, a vacation or anything else can be difficult. The median retirement s...

05/21/2026

For the home cook! What are your favorite spices to cook with?

Are you looking to add spice to your home cooking, but not heat? Here are five interesting flavors t...

05/20/2026

In the 80's when rates were double digit, adjustable-rate mortgages (ARMs) were often the only way to afford a home. If rates were 10.5, a buyer could "buy" the rate down, to 6.5, on a 5 year ARM, capping any increases, every 2 years, at 2% above the latest rate, ending at 5 years. Same with 7- or 10-year adjustable rates.
My concern, like during the recession, is the riskier the product, the more likely buyers won't be able to meet the change in their monthly mortgage amounts, or will be at risk when predatory lenders offer 100% financing, plus 3% of closing costs. Anything that great has risk.
Reach out to discuss the 5-year ARM. We'll see whether increases in your income or buying a home that will increase in equity after renovations, is the right loan product for you.

The increase in mortgage rates has led to a decline in loan applications, with more consumers opting for adjustable-rate mortgages to secure lower rates.

05/14/2026

Sick of talking about the weather? You're not alone!

Having more meaningful relationships with friends both new and old is a great goal, and it can start...

05/07/2026

Pass along the financial lessons you've learned to the younger generations.

Teaching children manners and how to tie their shoes is one thing, but financial lessons are often p...

04/30/2026

Having trouble hitting your hydration marks? These tips might help.

While we all know water is essential for our health, not all of us enjoy chugging those recommended ...

04/23/2026

Do you own a shredder? There are three types, but only one will truly protect your identity.

Protecting your personal information from identity thieves is a multi-step process; however, the big...

04/16/2026

How often do you give out your birthday information? An 'unbirthday' can keep your identity safe.

Other than your Social Security number, birthdays are one of the worst things to share online when r...