Common Holiday Hazards to Avoid

The holidays can feel like a period of perpetual motion. And while that’s much of what makes the season such a joy, it’s also why it’s important to guard against mishaps that commonly crop up during the hustle. Here are a few key safety tips to keep in mind:
Don’t fall while decorating. Do you go all out, like Clark Griswold, when stringing lights? Each season, nearly 6,000 people visit emergency rooms after falling while hanging holiday decor. (More than half of those falls occurred outdoors from roofs or ladders.) Unwieldy extension cords can also trip up individuals and lead to injuries.
Keep clear of flames. Home fires spike around the holidays, with candles, cooking and Christmas trees being common culprits. Keep decorations away from heat sources, don’t leave burning candles unattended, check that electrical cords are in good condition and stay in the kitchen while cooking.
Identify and remove toxins. Plants can add a festive touch to your home, but some seasonal favorites can also pose a threat to children and pets. The leaves and berries of mistletoe, for instance, are toxic if eaten, and poinsettias can irritate skin. If you choose to decorate with these plants, keep them safely out of reach and promptly clean up fallen berries and leaves.
Travel safely. Vehicles riddle the roadways at this time of year, so safety is a big concern. Take your car in for winter maintenance, check the weather forecast before road trips, stash a well-stocked emergency kit in the trunk, and keep shopping bags out of sight to avoid break-ins.
Use these and other safety tips to keep you and your loved ones happy and healthy through the holiday season.

TRUSTLINE MORTGAGE
TRUSTLINE MORTGAGE, INC.
EMAIL loans@trustlinemortgage.com
PHONE (904) 381-5626
ADDRESS 6101 Gazebo Park Place North, Suite 108 Jacksonville, FL 32257
NMLS: 331480

Lawn and Garden Care for Fall

Though many grasses and plants go dormant in the cooler months, they still require some attention. Here are a few tips for getting your lawn, flower beds and landscape ready for the chill ahead.

Prepare the Lawn
Start by raking up leaves, which can wreak havoc on grass by trapping in moisture and blocking sunlight. Keep the mower handy and trim the lawn to a height of about 3 inches while the grass continues to grow. And if you haven’t aerated in a couple of years, now may be the time to do so. An aerator will loosen up soil and make it easier for water, nutrients and oxygen to reach the root system.

Clean Out Garden Beds
Start by clearing away dead or diseased foliage. Dig up and store delicate bulbs and tubers like tulips and dahlias, and divide any overgrown or waning perennials. Cut back plants that don’t add winter interest, and finish with a thorough weeding and a thick layer of mulch. Also be sure to bring delicate pots indoors for protection from the elements.

Take Care of Landscaping
Remove any dead or damaged limbs from trees and shrubs, but wait for winter for major pruning. Protect young trees from hungry critters by clearing weeds and wrapping their trunks with a protective collar. This is also a good time to plant or transplant; just be sure the sapling has time to establish before cooler temperatures hit.

Winter can be hard on your landscape, but a comprehensive cleanup is the best preparation for a gorgeous spring.

TrustLine Mortgage
TrustLine Mortgage, Inc.
EMAIL loans@trustlinemortgage.com
Phone (904) 381-5626
ADDRESS 6101 Gazebo Park Place North, Suite 108 Jacksonville, FL 32257
NMLS: 331480

Deer-Proof Your Garden This Autumn

If hungry deer frequently mistake your garden for a salad bar, you may want to consider a few measures to deter them. Here are some options for minimizing deer damage this fall.
Pick Deer-Proof Varieties
Deer aren’t fans of prickly, smelly or thorny plants (except roses!), so choose varieties that have those characteristics. Whether you’re looking for perennials, ornamental grasses, shrubs or another plant type, you’ve got options. Bee balm, switchgrass and boxwoods are just a few effective examples.
Throw Deer off the Trail
If you have plants such as roses that you don’t want to part with, try disguising their fragrance with garlic, mint or lavender. Some people even scatter mothballs, fabric softener or decaying fish heads to deter deer with strong odors.
Keep Prized Plants Close
Deer tend to feed in the early morning or twilight hours, so you may not always catch them in the act. To keep better watch over your favorite plants, bring them closer to your house and within view of a window.
Build a Barrier
Fencing is probably your best bet for preventing deer damage. Because deer are jumpers, you may need a barrier that’s 8 to 12 feet tall, but don’t let that deter you. Many ideas can enhance your home’s curb appeal, like incorporating a pergola or adding wood framing to a mesh fence.
Swap Fall-Planted Bulbs
Fall is the season for planting bulbs that lead to beautiful spring blooms. And while tulips often top most homeowners’ wish lists, they’re also a favorite with deer. Swap them for daffodils, snowdrops and snowflakes, which contain a toxic alkaloid that deer can detect and avoid.
Deer don’t have to ruin your landscape. If you garden with these simple measures, you’ll likely be pleased to find them dining elsewhere this fall.

TRUSTLINE MORTGAGE
TRUSTLINE MORTGAGE, INC.
EMAIL loans@trustlinemortgage.com
PHONE (904) 381-5626
ADDRESS 6101 Gazebo Park Place North, Suite 108 Jacksonville, FL 32257
NMLS: 331480

4 Common Design Mistakes to Avoid

Choosing paint colors, furniture layouts and other design elements can be one of the most exciting aspects of setting up a new home — or the most daunting. Here are four common errors many homeowners fall victim to and tips for remedying them.
Pushing Furniture Against Walls
Backing furniture against the wall doesn’t create an airy feel; it usually leads to an awkward space in the middle of the room. Instead, try floating pieces to establish conversation areas, or place everything just a few inches closer to the center. Ensure a free flow of traffic through the room by keeping a clear path at all times.
Using Rugs That Are Too Small
An undersized rug detracts from the real eye-catching features of a room. Ideally, an area rug should be large enough to fit beneath all the legs of your furniture. If you’re looking to avoid the cost of an enormous rug, try two smaller ones placed side by side for the same effect.
Hanging Art Too High
Homeowners often hang art at eye level, which is a common rule of thumb, but that can be confusing since height varies. Try a more specific tip used by most galleries: Hang artwork so the center of the piece is 57 inches from the floor.
Relying on a Single Light Source
Using overhead fixtures as the only source of light in a room can lead to unpleasant shadows. Add layers of light with a floor lamp, a couple table lamps and maybe an accent light on a piece of art. This will produce pools of light — a hallmark of a well-designed room.
Being mindful of these common slip-ups can make a big difference in how you feel about your overall space.

TRUSTLINE MORTGAGE
TRUSTLINE MORTGAGE, INC.
EMAIL loans@trustlinemortgage.com
PHONE (904) 381-5626
ADDRESS 6101 Gazebo Park Place North, Suite 108 Jacksonville, FL 32257
NMLS: 331480

Is a LEED-certified home for you?

If you’re in the market for a new house, you may have considered a home with energy-saving features. And if your wish list goes beyond having a low-flow showerhead or two, you may have come across a few properties touting LEED certification. What exactly does that mean?

What is LEED certification?
LEED, which stands for Leadership in Energy and Environmental Design, is a third-party program that certifies buildings and homes that have used green building or renovation methods to enhance energy efficiency and indoor comforts. This may include delivering clean indoor air, incorporating safe building materials, and using less water and energy in day-to-day operation.

What are the benefits?
One major appeal of a LEED-certified home is the focus on air quality. A home with this designation has been designed to maximize fresh air indoors and minimize exposure to pollutants and toxins.

Buying a green-certified home can also help you save on monthly utility bills. They’re built so you can comfortably cool and heat the space with minimal energy use — anywhere from 30 to 60 percent less energy than the same home built to industry standards.

Then there’s the potential satisfaction of knowing you’ve reduced your environmental footprint more than you would buying a conventional home.

What about the cost?
You might find that a LEED-certified home costs a bit more upfront, but your savings in energy costs can counteract that over time.

New Home Sales Surge

New U.S. single-family home sales surged to a more than eight-year high in April and prices hit a record high, offering further evidence of a pick-up in economic growth early in the second quarter. The Commerce Department said that new home sales jumped 16.6 percent to a seasonally adjusted annual rate of 619,000 units, the highest level since January 2008. The percent increase was the largest since January 1992. March’s sales pace was revised up to 531,000 units from the previously reported 511,000 units.
Economists polled by Reuters had forecast new home sales, which account for about 10.2 percent of the housing market, rising to only a 523,000 unit-rate last month. New home sales are volatile month-to-month and April’s increase probably exaggerates the housing market strength. Still, last month’s gain pushed new home sales well above their first-quarter average of 531,667 units. The report came in the wake of fairly upbeat data on home resales and residential construction. It also added to retail sales and industrial production reports in suggesting that the economy was gathering speed after growth almost stalled in the first quarter.
Source: CNBC

Safeguard your home while traveling

It can be hard to relax on vacation if you’re worried about what’s going on back home. But a few simple measures can help properly secure your house and give you the peace of mind you need to enjoy your time away.

Hold mail and deliveries. — The U.S. Postal Service makes it easy to put a temporary hold on your mail. And don’t forget to suspend newspaper and other recurring deliveries, like Amazon subscriptions.

Make it look like you’re home. — Use automatic timers for indoor lights and maybe a TV or two. And keep some curtains open; closed curtains suggest that you’re away and give criminals more cover.

Recruit a friend or neighbor. — Ask a neighbor to keep an eye out for unexpected deliveries and park their car in your driveway from time to time. If you’ll be gone for an extended period of time, arrange for someone to mow your lawn.

Freeze your social posts. — Don’t announce your travels on social media, and wait to share pictures until you’re back home. Burglars are increasingly scouring social networks for victims. Check your social network settings, too, so you’re not auto-tagged in pictures by your travel companions.

Monitor from afar. — From cameras and sensors to remote monitoring and notifications, there are numerous options for added protection. Some home security systems can even send you an alert when someone’s at your door.

Secure your valuables. — Before you go, make an indoor sweep and lock up sensitive financial statements, jewelry, laptops and other valuables for additional security and peace of mind.

Lastly, it’s a good idea to give your financial institutions a heads-up about your travel plans. A stream of out-of-state or out-of-country charges could prompt an unnecessary alert that puts a hold on your account.

The Mortgage Specialists
TrustLine Mortgage, Inc.
EMAIL jeff@trustlinemortgage.com
Phone (904) 381-5626
ADDRESS 6101 Gazebo Park Place North, Suite 108 Jacksonville, FL 32257
NMLS: 331480

Don’t ever pay application fees!

If you’ve been listening to the radio lately, you may have heard that we’re always shocked to hear that mortgage companies charge their customers hundreds of dollars just to apply for a loan.

At Trustline Mortgage, we don’t need to trap or trick our customers, because our low rates, excellent service and products speak for themselves. We will never charge you an application fee, and that’s a promise.

Trust your instinct and follow the Line to Trustline Mortgage.

Listen to the Radio Spot!

 

Mortgage Lenders at TrustLine Offer Special Jumbo Mortgage Loan Deal!

If you are a professional dentist, doctor or certified financial planner with no mortgage insurance, we’ve got a great deal for you. Right now, we are offering 90% jumbo mortgage loans to qualifying dentists, doctors and CPAs! Contact us to speak to our expert mortgage lenders to see if you qualify!

Now’s the Time to Reach Out to Your Mortgage Lenders at Trustline

As the economy continues to improve, it seems very likely that mortgage interest rates will start rising after hitting historic lows. What this means is that there has never been a better time for you to either originate a new mortgage or refinance your existing one if you want to take advantage of current interest rates. According to Mike Cetera at interest.com, if you’ve been considering this, “it’s time to get off the fence.”

Whether you’d be best served by an FHA Streamline Refinance, a jumbo mortgage loan or any of our other products, now’s the time to contact us about the best mortgage for you! Our expert mortgage lenders are standing by to find the best home financing solution for you.

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