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General

Looking for thoughtful, unique gifts for you loved ones this Valentine’s Day? Say goodbye to boring, cliché boxes of chocolate and teddy bears. Here are some ideas for easy and fun things to make that your valentine will actually be happy to receive.

Date Night Jar

Get a bunch of popsicle sticks and write ideas for easy, fun things you can do throughout the year with your partner. Then, store all the popsicle sticks with your date ideas in a jar that you decorate however you like! This is truly the gift that keeps on giving.

Jar Full of Reasons Why You Love Them

Another gift you can easily make is a jar with notes listing reasons you love your partner. Just write all your reasons down on different pieces of paper, roll or fold them up, and place them in a jar. Extra credit: Tie little ribbons around the rolled-up notes to turn them into fancy scrolls. Then, decorate the jar. This gift is a fun reminder of your love that your special someone can always look back on.

A Handwritten Frosting Note
This idea is the best of sweet treats and love letters in one! Bake a big cookie, cake, or whichever dessert you like as long as you can decorate it with icing. Then, write a love letter on it with frosting. Now, your sweetie can enjoy two gifts in one – a beautiful profession of your love and a delicious treat!

Heart Shaped Tea Bag

Make your valentine a cup of tea and add a little touch of romance by attaching a heart-shaped piece of construction paper to the end of the tea bag. Bonus points: Write little love notes on each heart.

Conversation Starters
Write down several conversation starters to keep in a jar or a box. Break them out on date nights to entice interesting conversations. Some examples to consider: “What is your favorite memory?”; “What is your favorite thing about me?”; “Describe your dream date.”

Chalkboard Love Mugs

Get some chalkboard paint and paint hearts onto a mug. You can paint one big one and write a love note on it. Or, try painting small hearts all around the mug and write things like “you’re cute,” “be mine,” and “kiss me” on them. You can even get creative and write inside jokes on them.

Sticky Note Love Letter Surprise

Write thoughtful notes on sticky notes and stick them in the shape of a heart on the bathroom mirror or somewhere your special someone will end up seeing. We recommend setting them up in the bathroom before your valentine wakes up so that they’ll see the sweet surprise first thing when they get up in the morning. This gift is extremely easy to make as it only requires sticky notes and a marker, but it shows a lot of thoughtfulness your loved one will appreciate.

Heart Shaped Breakfast in Bed

You don’t always have to overthink Valentine’s Day gifts because everyone loves breakfast in bed. Just make your valentine a yummy breakfast and include sweet little touches like heart shaped eggs, flowers, and a love note.

Handmade Perfume or Body Spray

Easily make a perfume or body spray by combining witch hazel and your own selection of essential oils in a bottle. Make sure to choose essential oils that both you and your sweetie will love. Tie some ribbon around the bottle or write a heartfelt label. The beauty about this idea is that, since you’ll be smelling it when they wear it, it’s a gift that both of you will love!
 

Monthly Date Envelopes

We saved the best for last! Get 12 envelopes, one for each month, and fill each one with a date idea. Include tickets to shows or gift cards to restaurants and places you’d like to go on dates to. Now, for the next year, you’ll have a date lined up for each month!


General

In 2020, interior design will be unique, sustainable, bold, and handmade. Get ready to see some fresh colors, daring shapes and patterns, and unique items.

But how can you start incorporating these exciting trends into your home? Sometimes it can be overwhelming to tackle interior design, so we’ll also give you some easy, small steps for integrating these trends in your home.

1. Sustainability & Biophilia

When it comes to materials used in furnishings and fixtures, there is increasing demand for sustainability. People are becoming more ecologically conscious, looking to use ethical and ecofriendly pieces in their homes.

Then there’s biophilia, which is a trend that meshes human design and nature. It’s about including nature in interior design in order to connect with the earth and natural life. It’s great for feeling calm, and it also adds a unique aesthetic to your home. In 2020, we’ll be seeing lots of earthy, natural touches to interior design, such as plants and natural materials like wood.

Slowly begin adding touches of greenery and sustainability by getting a plant or two, adding a wooden lamp, or getting a rug made from sustainably sourced materials. Taking it one thing at a time will help you get started.

2. Patterns & Bold Colors

Fun patterns and bold colors are all the rage in 2020. Backsplashes are going to be colorful and incorporate interesting patterns. Fun new colors are going to pop up in unexpected places – like ceilings! Expect pattern mixing, layered patterns, and pattern matching – using floral patterns in particular. You’ll find patterns on walls, backsplashes, furniture, and more.

You don’t have to completely switch over your living room to have matching patterned walls and furniture. Try picking up a patterned throw or some patterned curtains to include this fun trend in your home.

3. Handmade Goods
People are becoming less interested in mass-made things as they begin to value unique, handmade items that come with a story. More and more, people are valuing a connection with the maker of the item.

Visit Etsy or your local craft fair and pick up some handmade goods that speak to you. Take some time to learn about the maker and the story behind the item, and you’ll appreciate its presence in your home that much more.

4. Maximalism

Remember when everyone was talking about minimalism? Now, maximalism is in. While minimalism was all about making things simple, maximalism is about making the most out of things. Everything is big and bold but be careful not to overdo it as there’s a line between this trend and clutter.

Take part in this trend by creating a gallery wall of colorful paintings or buying an extravagant piece of furniture or décor that really makes a statement. You don’t need to go overboard; Just add something bold and flashy to the mix.

5. Uniqueness

From rugs to the use of unusual materials in furniture, unique items will become more common in 2020. In the new decade, everyone is ready to see some fresh new styles so more people will be welcoming peculiar, interesting furnishings into their homes.

To enjoy this trend in your own home, be on the lookout for one-of-a-kind items or anything that sticks out to you as different. An oddly shaped dresser or chairs made of rope can really add an interesting touch to your home.

6. Personal Style That Lasts
What’s off-trend is in with more people looking to incorporate design elements that really speak to them. People are thinking more long-term about their interior design choices, buying furniture that embodies their personal style and will last. For environmental reasons as well as financial reasons, more people are looking for high quality pieces they know will endure and they’ll enjoy for a long time.

When purchasing furniture or décor, consider if it’s something you’ll want to look at for a long time. Then, consider the quality of the item, and ask yourself if it’ll stay in good shape. Grab a couple of pieces that have your style written all over them and enjoy!

Be Bold in 2020
2020 is all about being bold and fresh while being conscious of important things like how your interior design decisions affect the environment. If you’re ready for a bold new home to make your own, contact us today to find out how you can finance your home and make 2020 the best year yet.

Sources: Forbes, Collected Interior, Dwell


General

With student loans and auto loans increasing, 75% of young households are renting rather than buying homes. This is great news for landlords, but why is this bad news for those young Americans?

They’re Missing Out on the Opportunity to Build Wealth

First, this means that these young renters are handing their money over for rent each month instead of putting that money toward a mortgage payment. They’re missing out on the game-changing chance to build equity which is a great move for anyone looking to improve their financial situation.

2020 Rates are Low
Experts are saying that mortgage rates will remain low in 2020. The economy is expected to stay relatively smooth throughout the year, allowing rates to remain at the low place they’ve been. This means, in terms of snagging a low rate, now is the time to buy.

Bidding Wars are at a 10-Year Low
Starting in the fall of 2019, buyers stopped battling in nasty bidding wars. While some experts expect bidding wars to pick back up in 2020, buyers should try to take advantage of the opportunity to avoid them now.

2020 Brings Improved Service and Expanded Technology
Lenders and sellers are making huge improvements in the service they provide, giving buyers lots of great options to choose from when searching for their home and mortgage provider. They’re also embracing technology, making the homebuying experience smoother and easier.

They Could be Enjoying a Space of Their Own

People who rent have to follow the landlord’s rules. But buying a home means having your own space to decorate and make your own. That means you can tear things down, hang things up, paint your walls – the possibilities are endless. Plus, your own home is a place to unwind and experience peace and enjoyment.

Get Started Today
If you’re excited to take advantage of all the benefits of buying a home, contact us today to find out how you can get started.

Sources: BankRate, National Mortgage News


New Hires

Welcome Matt Milavec

Oct 10
10:35
AM
Category | New Hires

McGlone Mortgage would like to welcome Matt Milavec who recently joined our Albany, NY sales team.

Although new to McGlone Mortgage Group, Matt began his mortgage career in April of 2012 working in the post-closing department of a local mortgage company. Within a year he transitioned to the secondary marketing department where he gained knowledge about mortgage rates, investors and the process of funding loans after they are closed. Matt worked closely with top producers, who emphasized the importance of customer service, managing client expectations and effective communication.

Matt enjoys getting to know his clients personally so that he can tailor his service to them on an individual level. He understands that purchasing a home is one of the biggest investments a person will make.

Matt is excited about this new journey in his career as it allows him to work with a dedicated group of professionals who promote a positive and caring atmosphere.

In his spare time Matt enjoys watching sports and playing golf. He’s also very passionate about supporting the American Heart Association and volunteers when he can to promote such a worthy cause.

To Learn more about Matt visit his webpage.

Welcome, Matt


Informational

Whether you’re a snowbird heading south for winter, a family with a summer home by the ocean, or the owner of a camp that loses its charm in the dead of winter, you’re going to want to prepare your vacant home to fend for itself through the winter months. Here are some tips on how to best prepare your empty home to withstand the colder weather while you’re not around to make sure everything is running as it should.

  1. Turn off the water supply. This can prevent your pipes from freezing and potentially bursting on very cold days. If you’re leaving a home in an area where freezing pipes can be a problem, drain all waterlines including toilets, the water heater, and the expansion tank.
  2. Unplug all appliances. Not only can this protect against potential electrical shortages, but it will also save you money as your unused appliances will not be using any phantom energy.
  3. Turn off your gas line. This will help to prevent gas leaks or other related incidents.
  4. Guard against unwanted guests. Clean out your fridge, your freezer, and your pantry, leaving only dry, nonperishable foods in air-tight containers. Also be sure to put away any soaps, sponges, or candles, take out any trash, and clean kitchen areas thoroughly.
  5. Close your damper or flue. That way no snow, rain, or animals can find a way into your home.
  6. Turn down the thermostat. You’ll want to keep the inside temperature above freezing and at a level where everything will stay dry. Somewhere between 50 to 55 degrees Fahrenheit is the recommended temperature.
  7. Bundle the house up tight! You want your home to look like the little boy from A Christmas Story, especially if it’s in an area prone to snow storms. Install storm windows and doors, close the shudders, store all your outdoor furniture and decorations, and make sure you leave everything closed and locked tight.
  8. Clean your gutters. Otherwise water might not be able to pass through them and they could freeze over and break during the winter.

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