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April
27

Mortgage and refinance rates today, April 27, 2022

Today's mortgage and refinance rates

Average mortgage rates fell again yesterday, though by a much smaller amount than on Monday. And they're now very close to where they were last Wednesday.

So far this morning, mortgage rates today look likely to be unchanged or barely changed. But, amid such volatility, they could later take off in one direction or the other.

Find your lowest rate. Start here (Apr 27th, 2022)

Current mortgage and refinance rates

Program Mortgage Rate APR* Change
Conventional 30 year fixed 5.306% 5.329% -0.03% 
Conventional 15 year fixed 4.56% 4.606% +0.02% 
Conventional 20 year fixed 5.24% 5.279% -0.08% 
Conventional 10 year fixed 4.396% 4.454% +0.08% 
30 year fixed FHA 5.375% 6.164% +0.09% 
15 year fixed FHA 4.682% 4.969% Unchanged
30 year fixed VA 5.089% 5.305% -0.04% 
Rates are provided by our partner network, and may not reflect the market. Your rate might be different. Click here for a personalized rate quote. See our rate assumptions here.

Should you lock a mortgage rate today?

Don't lock on a day when mortgage rates look set to fall. My recommendations (below) are intended to give longer-term suggestions about the overall direction of those rates. So, they don't change daily to reflect fleeting sentiments in volatile markets.

It's much too soon to get excited about this week's falls. We've seen much bigger two-day drops just this month. And they were quickly wiped out by even larger rises.

Still, there does seem to be a new sentiment in markets — namely, fear of a recession — that could conceivably cause mortgage rates to increase more slowly or even dip a little.

But I very much doubt we'll see sustained and worthwhile falls anytime soon. We'll have to wait and see to be sure.

In the meantime, my personal rate lock recommendations for the longer term remain:

  • LOCK if closing in 7 days
  • LOCK if closing in 15 days
  • LOCK if closing in 30 days
  • LOCK if closing in 45 days
  • LOCK if closing in 60 days

    Market data affecting today's mortgage rates

    Here's a snapshot of the state of play this morning at about 9:50 a.m. (ET). The data, compared with roughly the same time yesterday, were:

    • The yield on 10-year Treasury notes rose to 2.78% from 2.74%. (Bad for mortgage rates.) More than any other market, mortgage rates normally tend to follow these particular Treasury bond yields
    • Major stock indexes were higher soon after opening. (Bad for mortgage rates.) When investors are buying shares they're often selling bonds, which pushes prices of those down and increases yields and mortgage rates. The opposite may happen when indexes are lower. But this is an imperfect relationship
    • Oil prices were down to $99.88 from $100.10 a barrel. (Neutral for mortgage rates*.) Energy prices play a large role in creating inflation and also point to future economic activity
    • Gold prices fell to $1,892 from $1,911 an ounce. (Neutral for mortgage rates*.) In general, it is better for rates when gold rises, and worse when gold falls. Gold tends to rise when investors worry about the economy. And worried investors tend to push rates lower
    • CNN Business Fear & Greed index — fell to 31 from 37 out of 100. (Good for mortgage rates.) "Greedy" investors push bond prices down (and interest rates up) as they leave the bond market and move into stocks, while "fearful" investors do the opposite. So lower readings are better than higher ones

    *A movement of less than $20 on gold prices or 40 cents on oil ones is a change of 1% or less. So we only count meaningful differences as good or bad for mortgage rates.

    Caveats about markets and rates

    Before the pandemic and the Federal Reserve's interventions in the mortgage market, you could look at the above figures and make a pretty good guess about what would happen to mortgage rates that day. But that's no longer the case. We still make daily calls. And are usually right. But our record for accuracy won't achieve its former high levels until things settle down.

    So use markets only as a rough guide. Because they have to be exceptionally strong or weak to rely on them. But, with that caveat, mortgage rates today might hardly move. However, be aware that "intraday swings" (when rates change direction during the day) are a common feature right now.

    Find your lowest rate. Start here (Apr 27th, 2022)

    Important notes on today's mortgage rates

    Here are some things you need to know:

    1. Typically, mortgage rates go up when the economy's doing well and down when it's in trouble. But there are exceptions. Read 'How mortgage rates are determined and why you should care'
    2. Only "top-tier" borrowers (with stellar credit scores, big down payments and very healthy finances) get the ultralow mortgage rates you'll see advertised
    3. Lenders vary. Yours may or may not follow the crowd when it comes to daily rate movements — though they all usually follow the wider trend over time
    4. When daily rate changes are small, some lenders will adjust closing costs and leave their rate cards the same
    5. Refinance rates are typically close to those for purchases.

    A lot is going on at the moment. And nobody can claim to know with certainty what will happen to mortgage rates in the coming hours, days, weeks or months.

    Are mortgage and refinance rates rising or falling?

    Apologies for the late publication yesterday of this daily report. We had a technical glitch.

    You can read that report now if you'd like to catch up with my analysis of what's changed in markets.

    But, briefly, I suggested that Wall Street has finally noticed all the economically harmful things happening in the world. Those include:

    1. The Federal Reserve's throwing into reverse of its pandemic-era stimulus programs
    2. Russia's war in Ukraine
    3. China's continuing COVID-19 mass-lockdowns
    4. Hot inflation at home and across the world
    5. Continuing supply-chain disruptions

    Yes, I thought the same that you're thinking: "Hang on! All those have been going on for months. Why notice them now?"

    My only explanation is that markets have powerful herd instincts. And when some influential herd members are spooked and bolt, everyone else joins the stampede.

    Uncertain future

    Any actual recession could be months or years ahead. But fear of it is enough to drive markets. It's the same phenomenon that saw mortgage rates rise quickly this year due to fear of the Fed's plans to reverse its stimulus programs — before those plans are implemented or even fully unveiled.

    That fear of a recession might exert downward pressure on mortgage rates. But the Fed is highly likely to push forward with its plans, which are intended to counter inflation. And those should exert upward pressure on those rates.

    Looming data

    Tomorrow brings the publication of the first reading of gross domestic product (GDP) figures for the first quarter of this year. And economists are expecting a sharp slowdown.

    Those polled by MarketWatch expect annualized growth of 1.0%, compared to 6.9% in the previous quarter. If the actual numbers are as bad as (or worse than) expected, that would reinforce Wall Street's fears of a recession. And we might see mortgage rates fall further.

    But, on Friday, we'll get another report: the Personal Consumption Expenditures (PCE) Price Index. And that's the Fed's favorite measure of inflation. If that remains stubbornly high, the Fed could act more aggressively to rein in inflation. And that should push mortgage rates higher.

    Ho, hum. I wish I could be more helpful over what's going to happen soon. But I can't. And I doubt anyone else can.

    Read the weekend edition of this daily article for more background.

    Recent trends

    Over much of 2020, the overall trend for mortgage rates was clearly downward. And a new, weekly all-time low was set on 16 occasions that year, according to Freddie Mac.

    The most recent weekly record low occurred on Jan. 7, 2021, when it stood at 2.65% for 30-year fixed-rate mortgages.

    Since then, the picture has been mixed with extended periods of rises and falls. Unfortunately, the rises have grown more pronounced since last September.

    Freddie's Apr. 21 report puts that same weekly average for 30-year, fixed-rate mortgages at 5.11% (with 0.8 fees and points), up from the previous week's 5%.

    Note that Freddie expects you to buy discount points ("with 0.8 fees and points") on closing that earn you a lower rate. If you don't do that, your rate would be closer to the ones we and others quote.

    Expert mortgage rate forecasts

    Looking further ahead, Fannie Mae, Freddie Mac and the Mortgage Bankers Association (MBA) each has a team of economists dedicated to monitoring and forecasting what will happen to the economy, the housing sector and mortgage rates.

    And here are their current rate forecasts for the remaining three quarters of 2022 (Q2/22, Q3/22, Q4/22) and the first quarter of next year (Q1/23).

    The numbers in the table below are for 30-year, fixed-rate mortgages. Fannie's were published on Apr. 19, Freddie's on Apr. 18, and the MBA's on Apr. 13.

    Forecaster Q2/22 Q3/22 Q4/22 Q1/23
    Fannie Mae 4.6% 4.5%  4.5% 4.5%
    Freddie Mac 4.8% 4.8%  5.0% 5.0%
    MBA 4.7% 4.8%  4.8% 4.8%

    Of course, given so many unknowables, the whole current crop of forecasts might be even more speculative than usual. I'm afraid I'm less optimistic than any of them.

    Find your lowest rate today

    You should comparison shop widely, no matter what sort of mortgage you want. As federal regulator the Consumer Financial Protection Bureau says:

    "Shopping around for your mortgage has the potential to lead to real savings. It may not sound like much, but saving even a quarter of a point in interest on your mortgage saves you thousands of dollars over the life of your loan."

    Verify your new rate (Apr 27th, 2022)

    Mortgage rate methodology

    The Mortgage Reports receives rates based on selected criteria from multiple lending partners each day. We arrive at an average rate and APR for each loan type to display in our chart. Because we average an array of rates, it gives you a better idea of what you might find in the marketplace. Furthermore, we average rates for the same loan types. For example, FHA fixed with FHA fixed. The end result is a good snapshot of daily rates and how they change over time.

April
22

World Earth Day 2022: Make world a happier, healthier place to live

Each year on April 22, the world celebrates Earth Day to create awareness about the vital need to protect our planet from pollution by taking part in activities like planting trees or picking litter.

Each year on April 22, the world celebrates  to create awareness about the vital need to protect our planet from pollution. By taking part in activities like picking up litter and planting trees, we can make our need to protect our planet from pollution.

What was first celebrated on April 22, 1970, as a day of environment preservation in the US has now become a global day to promote a large-scale push for clean habitats around the world.

This was first started when peace activist John Mc Connell proposed to honour the planet and the concept of peace during a UNESCO conference in San Francisco.

 continues to grow as a worldwide event focused on promoting clean living and a healthy, sustainable habitat for all living beings. The day also reminds us how fragile our planet is and how it is important to save it from the global climate crisis that is worsening with each passing day.

The theme of  2022 is to 'Invest in our planet', urging businesses to shift towards sustainable practices.

As per Earth Day Organization, "We need to act (boldly), innovate (broadly), and implement (equitably). It's going to take all of us. All in. Businesses, governments, and citizens -- everyone accounted for, and everyone accountable. A partnership for the planet."

On the occasion of Earth Day 2022, American tech giant Google also dedicated the artwork through its Doodle to raise awareness about climate change.

The artwork showcases real time-lapse imagery from Google Earth Timelapse and other sources to showcase the impact of climate change across different regions.

April
20

Tips for First-Time Home Buyers

Being a first-time home buyer is exciting! But I know it can also feel overwhelming—especially when you see homes being purchased at a median of nearly $350,000 and available homes flying off the market in just over two weeks.1

With real estate trends like those, you might be tempted to make an impulsive purchase that could hurt your financial goals and keep you paying a mortgage well into retirement.

No one wants that! Trust me, you guys, it's worth buying your first home the right way. And that means buying a home that you love and that doesn't hurt your future money goals.

You may be thinking, Yeah, that would be great, Rachel. But where do I even start?

I'm so glad you asked! I've put together 10 tips for first-time home buyers as they tackle the home-buying process. Put these into practice today so your first home is a blessing, not a burden.

10 First-Time Home Buyer Tips

  1. Pay Off All Debt and Build an Emergency Fund
  2. Use the 25% Rule to Know How Much House You Can Afford
  3. Save a 10–20% Down Payment
  4. Don't Forget to Save for Closing Costs
  5. Get Preapproved for a Loan Before House Hunting
  6. Find a Home for Sale in Your Price Range
  7. Research Neighborhoods for Best Fit
  8. Think Long Term
  9. Make a Competitive Offer (That's Within Your Budget!)
  10. Be Prepared for Closing

1. Pay Off All Debt and Build an Emergency Fund

It may not be the first-time home-buying tip you were expecting, but it is hands down the most important. Why? Because owning a home is expensive—much more expensive than renting, even if your monthly house payment will be similar to or cheaper than your current rent amount. When you own a home, you're responsible for everything. All the maintenance. All the mishaps. All the upkeep. And that can add up fast! Before you even think about buying your first home, make sure you're debt-free and have an emergency fund of three to six months of expenses in place.

Buying a home debt-free (besides the mortgage) with a nice big emergency fund protects you from huge financial setbacks when things go wrong. And trust me, things will go wrong. But because your money won't be tied up in payments and boatloads of interest, you'll have the cash to pay for any expenses that suddenly come your way. Talk about peace of mind.

Now, once you're debt-free, I want you to stay debt-free. So, as you're shopping for your first home and getting excited about decorating and filling it with new furniture, make these four words your mantra: Stick to the budget.

The spender in me knows that's easier said than done. Especially if that means you might have some empty rooms for a little while. But your future self will thank you! And if you find yourself thinking, Oh well, I'll just put it on credit—stop right there! You want the good money habits you learned while getting out of debt to stick, which means you've got to stop repeating bad ones.

2. Use the 25% Rule to Know How Much House You Can Afford

Before you get emotionally attached to a beautiful house, check your monthly budget to determine how much house you can afford. Make sure your monthly housing costs (including HOA fees, taxes, insurance, etc.) are going to be no more than 25% of your monthly take-home pay.

For example, let's say you bring home $6,600 a month. Multiply that by 25% to establish your maximum monthly house payment of $1,650. But don't forget that property taxes and homeowners insurance factor into that monthly payment. So, based on a 15-year mortgage with a 4% fixed interest rate, a 1.14% property tax rate and a homeowners insurance policy that costs $1,200 per year, here are the home options you can afford:

  • $195,000 home with a 10% down payment ($19,500)
  • $225,000 home with a 20% down payment ($45,000)
  • $253,000 home with a 30% down payment ($75,900)
  • $288,00 home with a 40% down payment ($115,200)

Remember, these are just estimates. Use our mortgage calculator to try other combinations and find the right mortgage amount, interest rate and down payment for your budget. And since property tax rates and the cost of homeowners insurance vary, check with your real estate agent and insurance company for estimates to calculate how much house you can afford.

3. Save a 10–20% Down Payment

If saving up to pay cash for the total price of a house isn't reasonable for buying your first home, at least save for a down payment of 10–20% or more. A 20% down payment gets you out of paying for private mortgage insurance (PMI), which protects the mortgage company in case you can't make your payments and end up in foreclosure. PMI usually costs 1% of the total loan amount, and you'll be charged that 1% every year. So it can really add a lot to your monthly mortgage payment.

The Worst Mortgages for First-Time Home Buyers

If a 20% down payment seems out of reach, first-time home buyer programs that offer single-digit down payments may sound tempting. But don't use them! These options will cost you more in the long run. And remember—if it seems like a deal for you now, it's because it's an even better deal for your lender in the end.

Here are some low-to-no down payment mortgage options to avoid:

  • Adjustable-Rate Mortgages (ARMs): ARMs might seem great with a low initial interest rate, but they allow lenders to adjust the rate to transfer the risk of rising interest rates (and monthly payments) to you.
  • FHA Loans: You may be able to get an FHA mortgage with as little as 3.5% down, but you have to pay a mortgage insurance premium (similar to PMI) for the life of the loan. That's thousands of dollars that won't go toward paying off your mortgage.
  • VA Loans: VA loans allow veterans to buy a home with no down payment. But if the real estate market shifts, you could easily owe more than the market value of your home. These loans also carry a bunch of fees and usually charge interest rates that are higher than those for conventional loans.

The Best Mortgage for First-Time Home Buyers

I only recommend a 15-year, fixed-rate conventional mortgage with a 10–20% down payment. Here are the reasons why:

  • A 15-year term does create a higher monthly payment, but you'll pay off your mortgage in half the time. That means in 15 years, you completely own your home and can put what you'd spend on the next 15 years of house payments toward building wealth and giving. Not to mention, a 15-year term lets you have a lower interest rate and save tens of thousands of dollars in interest.
  • A fixed-rate conventional loan keeps your interest rate the same for the life of the loan, which protects you from the increasing expenses of rising rates.

How a 30-Year Mortgage Compares

If you're considering a 30-year mortgage for your first home because of the lower monthly payment, please, don't do it. When you look at the math on a 15-year versus a 30-year, you'll realize you pay a whole lot more money on a 30-year mortgage in the long run. Like tens of thousands of dollars more.

Look at it like this: Let's say you want to buy a $225,000 house with a 20% down payment. That means you need a mortgage for $180,000. Here's how the cost differences break down between your 15-year and the 30-year mortgage options.

15-Year at 4%

Vs.

30-Year at 4.5%

180

Number of Payments

360

$1,608

Monthly Payment

$1,189

$59,658

Total Interest Paid

$148,334

$239,658

Total Amount Paid

$328,334

 

Now, that's $88,676 in savings with a 15-year fixed-rate mortgage—not to mention you'll be payment-free 15 years sooner. I mean, nearly $90,000 in savings—hello!

4. Don't Forget to Save for Closing Costs

Along with your down payment, you'll also need to pay for closing costs. On average, closing costs are about 3–4% of the purchase price of your home.2 Your lender will give you a specific number so you know exactly what to bring on closing day. These fees pay for important steps in the home-buying process, including:

  • Appraisal
  • Home inspection
  • Credit report
  • Attorney
  • Homeowners insurance

Let's see how this plays out with our example of a $225,000 home. If you multiply $225,000 by the higher 4% closing cost average, you'll find that you need $9,000 for closing costs. Now, let's add that to your 20% down payment of $45,000. Together, the two equal $54,000, which is about what you'll need to save to pay for the down payment and the closing costs on your first house.

Tackle saving for your closing costs and down payment with the same amount of intensity I tell people to use when they're getting out of debt and building a full emergency fund to get it done as fast as possible. In fact, it's okay to put retirement savings on hold for a short period of time to save for a home—but you've got to hustle!

5. Get Preapproved for a Loan Before House Hunting

Once you're confident you have enough cash saved to pay for closing costs and 10–20% of your home, you're ready to handle the rest by talking to a mortgage lender.

Get prequalified for a loan and take the extra time to get a preapproval letter before you start your home search. Preapproval shows sellers that you're a serious buyer, which is a great way for first-time home buyers to get ahead in a competitive market.

To get preapproved, your lender will need to verify your financial information (proof of income, taxes, etc.) and submit your loan for preliminary underwriting. If you live a debt-free lifestyle like I teach, you may need to find a lender who believes in debt-free homeownership and will work with first-time home buyers who have no credit score.

6. Find a Home for Sale in Your Price Range

Most first-time home buyers typically find the home they purchased online or through a real estate agent. Doing both sets you up for success!

Find homes you like online and send them to your real estate agent so they have a good idea of what you're looking for. Then they can use a multiple listing service (MLS) to find homes that meet your criteria in your desired areas.

An MLS is created, maintained and paid for by real estate professionals, and it can really help first-time home buyers like you to view the largest pool of properties for sale in the marketplace. Real estate agents also provide valuable market expertise and can help you find great deals on homes as soon as (or before) they're listed.

7. Research Neighborhoods for Best Fit

Be careful not to buy a home based on the property and price alone. According to an NAR survey, home buyers are more willing to compromise on a home's condition (20%) and size (18%) than on the quality of its neighborhood (6%) and distance from a school (2%).3 So make sure you factor neighborhood quality and location into your decision.

Ask your real estate agent for information on crime rates and the quality of schools around your prospective neighborhoods. Calculate your new commute times to see if they seem manageable. Visit the neighborhood at different times and days to check for traffic conditions and noise levels and to see if people are comfortable being outdoors. Only choose a neighborhood that you and your family feel good about.

Once you've narrowed down the neighborhoods, attend a few open houses. Looking at homes that are for sale—even if they're not a perfect fit for you—is a great way to learn more about the area. When you do eventually find a house you love, you'll know how your place compares to better or worse homes in that neighborhood.

8. Think Long Term and Be Patient

When it comes to buying, a good strategy is to find the most affordable house in the best neighborhood. If you buy at the bottom of the price range in a good neighborhood, you'll have more room to build home value. Future buyers who are shopping in a $200,000 neighborhood won't be looking for a $300,000 home.

For instance, let's say you find a home that's the only one on the block without wood floors and granite countertops. If you have the cash to make those upgrades, you'll be able to add instant value to your home!

Make sure to pay attention to home values and economic activity in the area. Are home prices rising or declining? Are businesses booming or closing? You can tell a lot about how valuable a neighborhood is by what's happening in the community. It may take a little longer to find a home that will be a good investment in the long run, but especially for your first home, it is so worth it. 

9. Make a Competitive Offer (That's Within Your Budget!)

Let's say you found the home you want and can afford. Since you're already preapproved for a loan, you're ready to make an offer. If you're a first-time home buyer, it may be hard to know how much you should offer. That's when you can rely on the expertise of your real estate agent.

Ask your agent to help you make sure your offer is competitive but also within your budget and the home's value. Be careful not to make an impulsive offer that's higher than you can afford just to knock out the competition. A personalized letter might help your offer stand out among multiple bids in a hot market.

10. Be Prepared for Closing

Once a seller accepts your offer, the closing process will begin. Keep things running smoothly by knowing what to expect when closing on a house. The average closing process takes 53 days, which gives you plenty of time to tackle closing items.4 A real estate agent will schedule the remaining steps from home inspection to final walkthrough, and they'll keep you informed about any roadblocks.

As you prepare for closing, make sure you read every document and ask your real estate agent to explain anything you don't understand—especially before you sign the official contract for the home transaction. It'll be your signature on the documents, so you'll be the one responsible for anything you sign.

Ready to Get Started?

Your first home is a big purchase—maybe even the biggest one you'll have ever made up to this point in your life! Because of that, you don't want to risk messing this up. A real estate professional will take the weight off your shoulders by helping you find a home, negotiate a deal, and see the process through until closing.

Need help finding an expert you can trust with such an important purchase? Check out our RamseyTrusted Endorsed Local Providers (ELP) program. We only recommend real estate agents who close at least 35 home transactions per year or close more home transactions than 90% of the agents in their market. Not to mention our agents must maintain excellent levels of customer service and are personally coached by our Ramsey team.

Trust me, these pros are the best! Find an agent now!

April
15

1 Lincoln Avenue
Holland, MI 49423
Phone: 616-355-1030

A palette of color awaits you as you wind along the entrance to Holland's treasured island. Tour five stories of the DeZwaan windmill, the only authentic Dutch windmill operating in the United States. From the top, you can survey 36 acres of manicured gardens, dikes, and canals. Costumed guides, an Amsterdam street organ, a hand-painted Dutch carousel, a beautiful children's garden and playground for families, and gift shops will complete your visit. Windmill Island Gardens can also accommodate groups up to 40 in our Posthouse Gathering Room (evenings only) as well as larger events in our Celebration Pavilion (available anytime.) The windmill and our beautiful gardens make for a unique backdrop to your meeting or event. Open seasonally, Mid-April to mid-October; see Windmill Island Garden's website for exact dates for this year.

  • Pet-Friendly
  • Public Restrooms
Take a few hours to walk 36 acres of the beautifully manicured grounds of Holland's own treasured Island! Explore the gardens, dikes and canals, take a ride on a hand-painted Dutch carousel, enjoy the music from an antique Amsterdam street organ, and shop for Dutch souvenirs in the Dutch village themed gift store. Spend the afternoon and tour the 250-year-old DeZwaan Windmill, the only authentic Dutch windmill operating in the United States!
April
11

NATIONAL PET DAY

National Pet Day on April 11th dedicates the day to those pets who may not always get the companionship and attention pets deserve. While loving our pets is something we do every day, the observance encourages helping out orphaned pet companions. It will improve their health and enhance their opportunities for adoption.

Sometimes their human companions aren't well.  Making sure their forever furry friends are receiving the best of care will help relieve stress and worry.

National Pet Day is an excellent time to do a few checks for your pets.

  • Go through your furever family member's toys. Throw away any items that are no longer safe.
  • Maintain your pet-friendly home. Keep cords and toxins secure from your four-legged friends. This includes phone chargers.
  • Verify when vaccinations are due and schedule an appointment to update if they are due.
  • Check collars to ensure tags are secure and numbers are current. We sometimes forget to update this information when we move or change numbers.

    HOW TO OBSERVE #NationalPetDay

    • Take supplies to those pets in shelters.
    • Help a friend with pets who is recovering from an illness.  
    • Adopt a pet.
    • Give your pets extra love with a bath and rub down.
    • Use #NationalPetDay on social media.

    NATIONAL PET DAY HISTORY

    Celebrity Pet Lifestyle Expert & Animal Welfare Advocate Colleen Paige founded the day in 2005.

    Pets FAQ

    Q. What are some of the responsibilities that come with having a pet?
    A. Pet owners know that some pets require more attention than others. However, each pet deserves to be given proper care and attention. Some requirements of pet ownership include:

    • Feeding pets according to their needs. Most pets (like dogs and cats) usually need to be fed twice a day. Other pets may require more or less frequent feeding.
    • Access to freshwater.
    • A safe place to rest.
    • Daily exercise.
    • Routine checkups, vaccinations, and medical care when sick.
    • Love, affection, social interaction.
    • Training.
    • Grooming

    Q. Is National Pet Day just for cats and dogs?
    A. No. All our loveable pets can be celebrated on National Pet Day!

April
4

Buying a home for the first time can require quite the learning curve. Here are some tips to help you hit the ground running.

The state of the real estate market over the last two years has created numerous challenges for first-time homebuyers. With rising home prices, low inventory, and now rising interest rates shoppers are facing unprecedented challenges. 

Our real estate agents believe navigating the complexities of the current market is not impossible; however, to be successful, you need to start planning ahead of time. With some preparation, patience, and a good real estate agent, you can still easily land the home of your dreams. Here are our best tips for first-time homebuyers:

Click Here to Read More...

April
1

April Fools' Day

April Fools' Day on April 1 is a day where many of us unleash our most creative sides, all in a hilarious – sometimes over the top – attempt at bamboozling those around us.

Why do we do this, and where did it start? Well there surprisingly isn't a concrete conclusion by historians. We'll explore the possibilities below, but nevertheless, every spring we all put on our pranking caps to plan out the most devious and diabolical, yet safe and playful pranks we can think of, making this 24 hours possibly the most fun, exciting, and anxiety-filled day of the year!

WHEN IS APRIL FOOLS' DAY 2022?

April Fools' Day is celebrated every year on April 1. The day is all about being neutral and serious about everything, and… HA! APRIL FOOLS!

HISTORY OF APRIL FOOLS' DAY

Today, pranking on April Fools' Day has transcended the confinements of the first day of April to become a year-round internet phenomenon. Thousands of videos on the most popular internet sites emerge everyday, pushing the pranking limit to sometimes dangerous territories. We do NOT condone this and below we'll illustrate how to allow this holiday to remain true to what it was meant to be – safe, and well, hilarious! 

There's no consensus on how it all began, but a popular theory is that while nowadays, January 1 is when we start the new year, this wasn't the case before 1592. We used a calendar called the Julian calendar – created by Julius Caesar in 45 BC – which saw every new year begin on April 1! Crazy, we know. 

Pope Gregory the 8th created a new method for keeping track of days, which was the start of the calendar we all know and love – the Gregorian calendar. When he moved the date of New Year's Eve it obviously took some time for everyone to catch on to it. Those who were a bit behind the times still celebrated on April 1, and were considered fools for doing so. 

One lesser known, often argued explanation for our beloved prank day is buried in a 1392 book called "The Canterbury Tales" by Geoffrey Chaucer. One line in this publication simply references "March 32", and the debate to its meaning was born. Without much context and being dated so far back, the interpretation remains a mystery. Some believe it to be a joke, dawning this annual tradition, while some say it's none other than a misprint. 

Whether we have Gregory the 8th or Geoffrey Chaucer to thank for April Fools' Day, it has existed for centuries and will continue to cause a flurry of creativity and excitement in the first few weeks of spring.

APRIL FOOLS' DAY TIMELINE

1392
The Canterbury Tales

Geoffrey Chaucer writes the line "March 32" in his book, potentially birthing April Fools' Day.

1500s
France sets the stage

The French adopt January 1 as the first day of the year.

1592
Caesar vs. Pope Greg VIII

Gregorian calendar is introduced to replace the Julian calendar, changing the first day of the new year from April 1 to January 1.

1700s
UK joins the party

April Fools' Day begins to sweep across the UK.

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