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Congratulations on Closing!

Congratulations to Pam and Oscar for closing yesterday! They trusted Imagine Home Lending handle another home loan! We appreciate your return business so much! Imagine Home Lending - Doug Milkowski teamed up with Liz Todd- Realtor, KPR Brokers and Heidi Milkowski to ensure a smooth closing for these two!

Congratulations and many thanks!
Imagine Home Lending
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Mortgage Tip Monday

In the first installment of our blog series, Mortgage Tip Monday, we want to let you in on a secret.

Starting or sprucing up your garden can skyrocket the value of your home. According to an article in the Washington Post, improving landscaping around your home has a 150% return on investment.

We’ve all heard that curb appeal can either make someone fall in love with a home or drive right past that for sale sign. When you invest your time and dollars well on lawn care, it’s been consistently proven to produce an astounding difference for your home value.

If you are like me and don’t have a green thumb, don’t worry. We have budget friendly ways for you to take advantage of this value amplifying practice.

home value, garden, curb appeal, diy, home project, landscaping, selling, buying, realtor, real estate, mortgage, mortgage lender, fixed rate loan.
  1. Weed control. Get your hands dirty and pull some weeds! You don’t have to be an expert landscaper to give your yard a more polished look.

  2. The grass should look greener on your side of the fence. A healthy, well trimmed lawn can do a lot for the overall aesthetics of your home’s exterior. Don’t have time or patience for lawn maintenance? Hire a local landscaping company or a neighborhood kid looking to earn some pocket cash.

  3. Plant. Invite a friend over who has experience with their own gardening if you don’t have a knack for it. Find plants that are easily maintained and place their labels in the soil to better keep track of how frequently they need care.

  4. Begin a community vegetable garden! Not only does this make your entire neighborhood feel more inviting, it’s an interesting conversation piece. It’s an avenue for the next homeowner to meet their new neighbors.

  5. Plant a tree. Who doesn’t love a beautiful shady tree? Planting it with your family will attach your legacy to the home. As an added bonus. they’re a lot less high maintenance than flower gardens. Just plant and watch it grow.

Fostering a welcoming appearance to your home’s exterior is a fun, relatively inexpensive, and wildly effective way to improve your home’s value. Even if you aren’t planning to sell anytime soon, a well established garden is a great way to make your house feel more like your home. It just may be the easiest DIY project you’ve ever taken on.

White Pickett Fence

Still the American dream?

Source: Creative Commons

Source: Creative Commons

The stigma of being a millennial seems to be a hot topic. This generation has more options, more freedom, and can access almost any information or product with a few button clicks. As a result, they’re doing things a little differently than the generations that came before.

Nicholas Padiak (2017) of the Chicago Tribute quotes Brian McCabe when he shares,"The homeownership rate really starts to climb after the Second World War," McCabe said. "So it's in the 1950s and the 1960s that we go from being a country of 45 percent (homeownership) to a country of well over 60 percent." (2017). He goes on to quote realty broker, Greg Nagel, explaining, "[homeowning] represents probably the most risk-free investment opportunity to build wealth due to the tax advantages," such as the mortgage interest and property tax deductions. "It's very powerful," he said.”

Grandparents and parents of the millennial generation had rhyme and reason behind their white picket fences. The political and cultural climate incentivized homeownership.

So what has changed?

Source: Women's Health Magazine

Source: Women's Health Magazine

Millennials are waiting until later in life to settle down. This graph from Women’s Health Magazine suggests that the average marriage age went from 20 to 27. The reasons behind delayed weddings range from women being more likely to pursue education, couples wanting to pay down student loan debt, having more options in choosing a partner, etc.

It seems as though millennials still value homeownership. According to housing wire (2018), 75% of non-homeowners want to become homeowners. However, the political and cultural climate is less eager to suggest that you aren’t successful or stable until you own a home.

It just seems a little more intimidating when you have outstanding student loans, aren’t yet married, or don’t know much about the process of buying a home.


Imagine Home Lending offers several different loan programs because we want to find a loan that works for your budget. Homeownership is still a pillar of the American dream. “Life, liberty, and property”, right? If you’re apart of the 75% of non-homeowners that want to transition into being a homeowner, call us today!