At Premier Mortgage Associates, our purpose is to help active-duty service members, veterans, and their spouses achieve their dream of homeownership. With May 2025’s shifting housing marketing, there’s no better time than the present to explore the incredible benefits of a VA loan. Whether you’re a first-time homebuyer or looking to refinance, VA loans offer unmatched flexibility, cost savings, and opportunities to secure your dream home.

What is a VA Loan?

A VA loan is a mortgage backed by the U.S Department of Veterans Affairs (VA), designed to help veterans, active-duty service members, and their spouses purchase a home with favorable terms. Unlike conventional loans, VA loan come with a host of benefits that make homeownership more accessible and affordable. At Premier Mortgage Associates, we specialize in guiding our clients through the VA loan process, ensuring you maximize these advantages to secure the home you deserve.

Key Benefits of VA Loans

VA loans stand out in today’s competitive market for several reasons:

No Private Mortgage Insurance (PMI):

One of the biggest perks of a VA loan is that it doesn’t require PMI, even if you put down less than 20%. PMI can add hundreds of dollars to your monthly mortgage payment, so skipping it is a game-changer for your budget.

Flexible Terms:

VA loans offer lenient credit and debt-to-income (DTI) requirements, making it easier to qualify. Whether you’re a first-time buyer or navigating a unique financial situation, VA loans provide the flexibility you need.

No Down Payment Required:

In most cases, VA loans allow you to finance 100% of your home’s purchase price, meaning you can buy a home without saving a hefty down payment.

Competitive Interest Rates:

VA loans often come with lower interest rates compared to conventional loans, saving you thousands over the life of your loan.

No Loan Limits:

Unlike some other loan programs, VA loans don’t cap the amount you can borrower. You can finance a home that fits your needs and lifestyle, as long as you qualify for the loan amount.

At Premier Mortgage Associates, we’re here to help you understand how these benefits apply to your unique situation. Our team of experienced mortgage loan originators will work closely with you to determine your borrowing power and guide you through every step of the process.

Understanding the VA Funding Fee

One aspect of VA loans that borrowers should be aware of is the VA funding fee. This one-time fee, paid at closing, helps sustain the VA loan program and ensures its availability for future generations. For first-time homebuyers using a VA loan in 2025, the funding fee is 2.15% of the loan amount. For example, on a $300,000 loan, the funding fee would be $6,450.

The good news? You don’t have to pay this fee out of pocket. It can be rolled into your loan, spreading the cost of the life of your mortgage. Additionally, certain borrowers, such as those receiving VA disability compensation or surviving spouses of veterans who died in service, are exempt from the funding fee entirely. At Premier Mortgage Associates, we’ll help you navigate these details and explore any exemptions you may qualify for.

Why VA Loans Are Perfect For The May 2025 Market

The U.S housing market in May 2025 is tilting in favor of buyers, offering a window of opportunity for VA loan borrowers. Recent data highlights the shift:

Rising Inventory

As of March 2025, there were 1.82 million homes for sale nationwide, up to 15.8% year-over-year, with new listing up 9.1%. This increased supply gives buyers more choices and leverage.

Slower Price Growth

Home prices are still rising but at a slower pace. In March 2025, the median home price was $403,700, up 3.9% year-over-year, but month-over-month growth was just 0.2%, the slowest since December 2022.

More Negotiating Power

Over 17% of listings in March 2025 included price reductions, the highest for any previous year since 2016. Sellers are increasingly open to concessions, such as rate buydowns or closing cost assistance.

VA Loans amplify these market advantages:

No Down Payment

With more homes on the market, you can make competitive offers without tying up cash in a down payment, allowing you to negotiate on price or request seller concessions.

No PMI

In a market where median homes cost $403,700, avoiding PMI keeps your monthly payments lower, making it easier to afford your dream home.

Flexible Terms

Even with high prices, the VA’s lenient requirements mean you’re more likely to qualify, especially if you’re a first-time buyer navigating affordability challenges.

At Premier Mortgage Associates, we understand the nuances of a buyer’s market. We’ll help you get preapproved quickly, so you can act decisively on the right home and negotiate with confidence.

No Loan Limits: Buy the Home You Love

VA loans don’t impose a cap on the purchase price, allowing you to borrow what you qualify for based on your income, credit, and debt. In May 2025, with a median home price of $403,700 and inventory up 32% from last year, you have more options to find a home that fits your vision—whether it’s a starter home or a forever home.

Our team at Premier Mortgage Associates makes this process seamless. We’ll analyze your financial profile to determine your borrowing power and provide a personalized loan estimate. This clarity empowers you to shop within your budget and take advantage of the increased inventory in today’s market.

Refinancing With a VA IRRRL: Date the Rate, Marry the House

In a buyer’s market, you can buy your dream home now and plan for future savings with a VA Interest Rate Reduction Refinance Loan (IRRRL). The saying “date the rate, marry the house” rings true—don’t let current rates (averaging 6.65% for a 30-year fixed mortgage) deter you from buying. If rates drop, an IRRRL lets you refinance with ease.

The VA IRRRL offers:

No Appraisal Needed

You can refinance even if your home’s value hasn’t increased, a key benefit in a market where price growth is slowing.

Minimal Paperwork

The streamlined process reduces hassle and costs.

Lower Payments

Refinancing to a lower rate can reduce your monthly payment, freeing up cash for other goals.

With experts predicting mortgage rates may ease to the low 6% range by late 2025, an IRRRL could be a smart move if you buy now. At Premier Mortgage Associates, we’ll help you strategize for both your purchase and potential refinancing, ensuring long-term financial success.

How Premier Mortgage Associates Simplifies VA Loans

Navigating a buyer’s market requires expertise, especially with VA loans. Premier Mortgage Associates is your trusted partner, offering:

Personalized Guidance

We take the time to understand your goals and tailor our advice to your needs, whether you’re a first-time buyer or a seasoned homeowner.

Fast Preapproval

In a market with more inventory, a pre-approval signals to sellers that you’re serious, giving you an edge in negotiations.

VA Loan Expertise

Our team stays current on VA loan guidelines, ensuring your application is accurate and efficient.

Ongoing Support

From preapproval to closing and beyond, we’re with you every step of the way, including future refinancing with an IRRRL.

Tips for VA Loan Success in a Buyer’s Market

Maximize your VA loan in May 2025 with these strategies:

Get Preapproved Early

A preapproval from Premier Mortgage Associates helps you shop confidently and strengthens your offers in a market with more negotiating power.

Leverage Increased Inventory

With 1.82 million homes for sale, explore a wider range of properties to find the perfect fit.

Negotiate Smartly

With 17% of listings showing price cuts, don’t hesitate to request concessions like closing cost assistance or rate buydowns.

Understand Your Entitlement

Your VA loan entitlement determines your borrowing power. We’ll help you calculate it to optimize your loan.

Plan for Refinancing

Buy now and keep an eye on rates. An IRRRL can lower your payments if rates drop in late 2025 or beyond.

Why Choose Premier Mortgage Associates?

At Premier Mortgage Associates, we’re more than a lender—we’re your partner in achieving the American Dream. Our deep expertise in VA loans, combined with our commitment to personalized service, makes us the go-to choice for veterans and service members. In May 2025’s buyer’s market, we’ll help you capitalize on rising inventory, slower price growth, and VA loan benefits to secure a home you love.

Ready to Buy in May 2025?

The buyer’s market of May 2025 is your opportunity to use a VA loan to buy your dream home with no PMI, no down payment, and flexible terms. Contact Premier Mortgage Associates today to get started. Call us at 866.425.2562 or visit our website to learn more. Let’s make homeownership a reality!

Earth Day is observed on April 22 every year and serves as a global reminder that Earth is where we all call home! Within your own home, there’s easy and cost-effective ways to care for the planet. Even if you aren’t willing to use reusable toilet paper (yep, it’s a real thing), we’ve come up with 18 ways to make your home more eco-friendly. Plus, the great news is that while you’re helping the planet, you’ll be saving money too by making energy-efficient choices in your home.

Making Your Home Eco-Friendly

1. LED Light Bulbs: Making the switch to LED bulbs can save the average household $225 in energy costs annually, according to the U.S. Department of Energy.
2. Programmable Thermostat: Allows you to control your heating and cooling to avoid energy waste.
3. Low-Flow Showerheads: Still the perfect pressure without the major water usage.
4. Fixing Drafty Windows: Prevent energy loss by weatherstripping.
5. Insulated Curtains: Also called thermal curtains, these keep the house cool in the summer and warm in the water!
6. Native Plants: By planting local/native plants you reduce the need for lawn maintenance and water usage.
7. Composting: Create nutrient-rich soil for your garden with kitchen scraps.
8. Reusable Air Filters: These help you save money and reduce the waste!
9. Bamboo Flooring: An alternative to hardwood floor that is not only sustainable but affordable.
10. Faucet Aerators: Instant savings with reduced water flow.
11. Energy Star Appliances: Replace old units and upgrade to efficient models that won’t spike energy costs.
12. Ceiling Fans: You can cut cooling costs by just circulating air efficiently.
13. Recycle Old Electronics: Have an old gaming set up laying around? Take it a local center that processes e-waste.
14. Cloth Napkins: A washable alternative to reduce paper waste.
15. Solar Garden Lights: Use the power of the sun from the day to illuminate outdoor spaces at night.
16. Non-Toxic Paints: You can improve your air quality when choosing low-VOC paints.
17. Small Herb Garden: By growing fresh herbs at home, you’re not only saving yourself a trip to the grocery store but also saving our planet from plastic packaging.
18. Go Paperless: Embrace the age of digital billing and documents, like our mortgage process.

Sustainable Homeownership Is in Your Reach

If you’re considering homeownership, it’s important to choose the right lender. With Premier Mortgage Associates, we offer different loan programs aimed at making sustainable homeownership attainable for any situation. Our home financing offers financial flexibility that frees up funds so you can start your home with sustainable appliances, features and products.

How We Support Your Homeownership Journey

At PMA, we make certain that our processes, like our mortgage application are as simple as possible – plus, it’s paperless! Our team is ready to assist you with your home financing needs, from VA Loans for veterans to renovation loans with flexible terms, we have it all.

For instance, a VA loan does not require a down payment, freeing up cash for spending on home improvements. These funds can also go toward the purchase of energy-saving bells and whistles such a low-flow plumbing and LED lights. These upgrades lower the overall carbon footprint of the home and significantly lower the monthly utility bills, making the home more sustainable in the long run.

Start Your Journey to Sustainable Homeownership

Our loan programs are designed to help you secure your homeownership dreams all while staying focused on your financial future. Wanted to get started on your journey? Give us a call today and let us show you how our team can help you achieve eco-friendly homeownership!

If you’re thinking about buying a house in 2025, you’ve probably come across the term “loan limits” while researching different mortgage loans. A loan limit is the max amount you can borrow with certain mortgages, and we like to think of it as how much buying power you have.

So how much buying power do you have in 2025? We’ll break down the basics of loan limits and how much you can borrow with conforming, jumbo, FHA, VA and USDA financing.

What is a Loan Limit and Why Does It Matter?

A loan limit is the maximum amount of funds you can borrow for a particular loan program. Loan limits vary based on the type of loan, whether the loan is conforming or non-conforming, geography and more.

Why Are There Loan Limits?

Loan limits might sound like a boring technical detail, but they’re actually a big deal and they affect all of us in some way. The loan limit exists to keep things from getting out of hand, both for you and the lender.

They keep things fair, manageable and stable for borrowers, lenders and the economy as a whole. Loan limits allow borrowers to access funds for what they need to move forward – without letting the whole system tip over for everyone else.

Understanding Conforming Loan Limits

Conforming loans follow the borrowing limits set forth by the Federal Housing and the funding criteria of Freddie Mac and Fannie Mae, two government sponsored enterprises. Conforming loans are capped each year with a loan limit that is determined based on the current state of home prices.

What is a Conforming Fixed Loan?

A conforming fixed loan is a mortgage that meets the guidelines set by Fannie Mae and Freddie Mac. The “fixed” part means the interest rate stays the same for the whole loan term, giving you predictable payments unlike an adjustable-rate mortgage. These types of loans generally are less risky for lenders, making them a stable and budget-friendly option if your loan amount fits within the conforming loan limits.

Conforming Loan Limits for 2025

Every November, the Federal Housing Finance Agency (FHFA) announces an annual limit for the upcoming year as required by the Housing and Economic Recovery Act (HERA) of 2008. The FHFA does this annually to ensure the conforming loan limit accurately reflects average U.S. home prices.

The limit is set each year for each county with most counties assigned the baseline conforming loan limit, but the limit is raised or lowered based on economic differences.

What Is the Conforming Loan Limit for 2025?

In 2025, the conforming loan limit for one-unit properties in most counties is $806,500, up $39,950 from 2024.

Alaska, Hawaii, Guam and the U.S. Virgin Islands have their own baseline conforming loan limit of $1,209,750.

In high-cost areas, the FHFA allows for a higher loan limit of $1,209,750 in 2025.

How Do You Know if You Are in a High-Cost Area?

High-cost areas refer to a location where 115 percent of the local median home value surpasses the baseline conforming loan limit. High-cost area loan limits are capped at 150% of the baseline limit.

Fannie Mae indicates that high-cost areas can be found in California, Colorado, Connecticut, District of Columbia, Florida, Idaho, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Tennessee, Utah, Virginia, Washington, West Virginia and Wyoming.

You can view the conforming loan limit for your county and determine if your area qualifies as high-cost using Fannie’s Mae’s Area Median Income Lookup Tool.

What Does an Increase in the Conforming Loan Limit Mean for You?

Overall, the conforming loan limit increased in 2025 for all but six U.S. counties/county equivalents. For homebuyers, this is good news – with an increase in home prices, you now have more buying power.

If you want take advantage of our conforming loan’s standard eligibility, competitive pricing and affordable features, we can review your unique scenario to help you determine what type of conforming loan is right for you.

Finding the Maximum Conforming Loan Amount in Your Area

How to Check Loan Limits By County

You can easily find out the 2025 conforming loan limit for your county or county equivalent using Fannie’s Mae’s Area Median Income Lookup Tool. You’ll be able to zoom in on your state and select your county to view the area median income and the conforming loan limits for dwellings with one to four units.

Non-Conforming Loan Limits

If conforming loans don’t fit your financial needs, we offer non-conforming loans to help you secure financing. Non-conforming loans don’t follow Fannie Mae and Freddie Mac guidelines or the conforming loan limit.

A loan might be considered non-conforming not just if it surpasses the conforming loan limit, but also if a borrower’s credit score or debt-to-income ratio doesn’t meet the qualifying guidelines or the loan has non-conventional terms.

The most common kind of non-conforming loans is a jumbo loan, but government-backed loans like FHA loans, VA Loans and USDA loans are also considered non-conforming as they can’t be purchased by Fannie Mae or Freddie Mac.

Jumbo Loan Limits for 2025

Jumbo loans are for buyers who need a larger loan than what a conforming loan can offer. In 2025, that means that you’d need financing that exceeds $806,500 in most counties or $1,209,750 in high-cost areas.

Since jumbo loans are not guaranteed by Fannie Mae or Freddie Mac and carry more risk, credit requirements might be more stringent than for a conforming loan.

However, with Premier Mortgage Associates, we offer fixed-rate jumbo loan amounts up to $10 million and higher in some cases to qualified borrowers.

To see how much you can borrow with our jumbo loans, we offer fast and simple preapprovals.

FHA Loan Limits for 2025

FHA loans are backed by the Federal Housing Administration (FHA), allowing FHA-approved lenders to offer financing to borrowers who might not otherwise qualify. FHA financing doesn’t require a large down payment, making it a great loan option for homebuyers with lower credit scores or limited savings.

The FHA sets its own loan limits every year that differ based on the county you’d like to purchase in and the type of property. The FHA accounts for geography as well as the conforming loan limit when determining the FHA loan limit.

Counties that are in low-cost areas have a lower limit, with the loan limit typically set a 65% of the conforming loan limit. High-cost areas,determined by the income levels, cost of construction and demand for housing, typically are capped at 150% of the conforming loan limit. Counties can fall between the “floor” and “ceiling” of FHA loan limits, so when that happens, the one-unit FHA loan limit is 115% of the local median home prices.

To determine the FHA loan limit for your specific county, you can access the lookup tool from the U.S. Department of Housing and Urban Development.

If FHA financing sounds like an ideal option for you, get in touch with one of our experienced Loan Officers who will review your FHA options and find the best financing for your family’s unique situation.

VA Max Loan Amount and VA Jumbo Loan Limits for 2025

A VA Loan is federally sponsored by the Veterans Administration for the purpose of helping veterans and active service members become homeowners. VA Loans require no down payment, typically have limited closing costs and are a lifetime benefit for veterans and active service members, meaning it can be used multiple times.

For Veterans and active-duty military personnel using a VA loan, it’s important to be aware of the jumbo loan limits and loan maximum when budgeting for a home purchase. If you’re completely eligible, that is, you haven’t used your VA benefit or paid off previous VA loans, there’s no set loan limit.

Since 2020, the VA guarantees 25% of any loan amount your lender approves, even for loans exceeding $2 million, often with no down payment required. Eligible veterans, service members and survivors with full entitlement don’t have a purchasing limit on loans over $144,000.

However, if your entitlement is reduced due to prior VA loan use, you’re limited to the county conforming loan limit. If you exceed the threshold, your loan becomes classified as a VA jumbo loan.

VA Loan Limits by State: Key Differences

For those with remaining entitlement rather than full entitlement, VA loan limits vary by county and state since they follow the conforming loan limits of the FHFA. For example, purchasing a home in a wealthy county such as Orange County allows you to borrow up to $1,209,750 without a down payment, if you’re completely eligible. With a lower-cost area such a rural Kentucky, you’re capped at $806,500 unless you can cover the overage. It is important to check your county’s specific limit because it directly affects the home price you can target when using a VA loan.

USDA Loan Limits for 2025

USDA Loans are sponsored by the United States Department of Agriculture and are designed to help low- and moderate-income families pursue homeownership in rural areas. USDA Loans require no down payment and are beneficial for low-income homebuyers in rural or suburban areas.

USDA loan limits in 2025 vary by county and state, with many lower-cost areas capped at $419,300 and up to $970,800 in high-cost areas like Santa Cruz County in California.

However, it’s important to note that not all counties are eligible for a USDA loan, so be sure to review the eligibility and 2025 USDA loan limit for your county.

Find Out Your Buying Power in 2025

Whether you are a prime candidate for a conforming loan or you might be eligible for a VA, USDA, FHA or jumbo loan, we can help you determine your buying power. Our knowledgeable Loan Officers will review your specific scenario and match you with the loan program that best suits your needs.

Get started today by contacting one of our Loan Officers or getting preapproved.

Homeownership is a significant milestone, but the challenge of saving for a down payment stands as the biggest obstacle for many prospective buyers.

Last year, 17% of all buyers shared that saving up for the down payment was the hardest part of the buying process, according to the 2024 NAR Home Buyers and Sellers Report. The number was higher for those ages 25 to 33 with 38% citing the down payment as the most difficult part.

If you’re ready to buy but also struggling to save enough for a down payment, you’re not alone. Fortunately, there are many down payment assistance programs designed to help homebuyers overcome this hurdle – and they’re not just for first-time buyers.

At Premier Mortgage Associates, we specialize in connecting homebuyers with the right down payment assistance program to make homeownership more accessible. One effective program is Chenoa Fund, which has helped thousands of Americans achieve their homeownership dreams.

What is Down Payment Assistance?

• Grants: Money given to qualified homebuyers that doesn’t need to be repaid
• Forgivable loans: Loans that are forgiven after living in the home for a specific period
• Deferred payment loans: Loans with payments deferred until you sell, refinance, or pay off your mortgage
• Low-interest loans: Second mortgage with below-market interest rates to cover down payment costs

The Chenoa Fund Down Payment Assistance program offers both forgivable second mortgages and repayable second mortgages, depending on your financial situation and needs.

How Does Down Payment Assistance Work?

1. Qualification: You apply and qualify for both primary mortgage and the down payment assistance program.
2. Coordination: The down payment assistance is coordinated with your primary mortgage lender (in this case, Premier Mortgage Associates).
3. Closing: At closing, the assistance funds are applied directly to your down payment requirements.
4. Post-Close: In some cases, there may be certain requirements like living in the home as your primary residence for a specific period.

Spotlight on Chenoa Fund Down Payment Assistance

The Chenoa Fund, administered by CBC Mortgage Agency, offers both forgivable second mortgages and repayable second mortgages, depending on your financial situation and needs.

Premier Mortgage Associates has partnered with CBC Mortgage Agency by becoming a trained and approved lender for the Chenoa Fund, which offers many advantages:

• Not just for first-time homebuyers: Unlike many other programs, Chenoa Fund is available to both first-time homebuyers and repeat homebuyers.
• Flexible options: Provides 3.5% or 5% of the of the home’s sale price or appraised value (whichever is lower) for down payment assistance which can also be applied to closing costs.
• Multiple program types: Offers both forgivable and repayable second mortgage options.
• Compatible with FHA loans: Works seamlessly with FHA mortgage loans.
• Available in 49 states: Borrowers in all states (except New York) can take advantage of the program, and its guidelines do not change based on where you live.
• No Income Restrictions: Unlike many programs, with Chenoa Fund there’s no limit on a borrower income.

Are Down Payment Assistance Programs Worth It?

For many homebuyers, down payment assistance programs can make a great difference between renting and owning a home. Some benefits to consider:

Advantages:

• Faster path to homeownership: You can buy a home sooner rather than waiting years to save.
• Preserve your savings: Keep your emergency funds intact for home maintenance or improvements.
• Build equity sooner: Start building wealth through home equity rather than paying rent.
• Lower initial costs: Reduce the amount needed at closing, making homeownership easier!

Considerations:

• Qualification requirements: Programs may have income limits, credit score requirements and other qualifying factors.
• Potential higher interest rates: Some programs may come with slightly higher interest rates on your primary mortgage.
• Occupancy requirements: Most programs require you to live in the home as your primary residence.

How to Apply for Down Payment Assistance

1. Research Available Programs: Working with a knowledgeable lender like Premier Mortgage Associates, we can help you identify programs you might qualify for.
2. Preapproval: Get preapproved to understand your budget.
3. Program Application: Complete the application for the Chenoa Down Payment Assistance program.
4. Documentation: Provide necessary documentation, which typically includes:
   1. Proof of Income
   2. Tax Returns
   3. Bank Statements
   4. Credit History
   5. Homebuyer Education Certificate – This class is a required course when applying for down payment assistance with the Chenoa Down Payment Assistance Program.

Applying For Chenoa Fund Down Payment Assistance

• Minimum Credit Score: 600 or higher.
• Debt-to-income ratio requirements: Determined by FHA Guidelines.
• Income limits: No income restrictions.
• Borrower Success Program: Borrowers below a certain credit score must take a homebuyer education courseuniquely tailored to the Chenoa Fund down payment assistance program through a HUD-approved housing counseling agency.

Common Questions About Down Payment Assistance

Q: Will using down payment assistance affect my offer when buying a home?

Q: Is there a catch to down payment assistance programs?

Q: Can I use down payment assistance for any type of home?

Q: How long does the application process take?

Why Choose Premier Mortgage Associates for Your Down Payment Assistance Needs

Premier Mortgage Associates is a full-service lender licensed in 49 states, D.C. and Puerto Rico. We offer a wide range of home financing products designed with your lifestyle and budget in mind! You can trust our highly experienced team of mortgage professionals to work with you to select the PMA loan product that best suits your unique financial needs.

• Over 25 Years of Experience: Experience matters, especially when buying a home. For over two decades, we’ve offered the highest-quality products with our signature white-glove service for all our clients.
• Exceptional Client Support: Our loan officers and sales team are dedicated to providing a superior client experience. They will answer all of your questions and ensure that your loan process is seamless from origination to closing.
• No Hidden Fees: We always pass the savings on to you. We process, underwrite, and close the majority of our loans in-house, so you’ll never take on any hidden fees or costs.
• Fast Closings: At PMA, we know that fast closings make happy customers. While many big banks can take 45–60 days—or longer—to close, we close most of our loans in 30 days or less.
• Variety of Loan Programs: We offer a variety of loans, so you can be sure you’ll receive the best option to fit your needs—it’s also why we say “yes” more often than most mortgage companies.
• Closing Loans Based on Relationships, Not Leads: Our philosophy is to put the client first, closing loans based on our relationships rather than leads. PMA is not your typical mortgage company—and our clients appreciate that.

Ready to Take the Next Steps Towards Homeownership?

Don’t let down payments hold you back from achieving your dream of homeownership. If you’re ready to purchase a home, we can walk you through all of your financing options, including down payment assistance programs, and find the best fit for you.

Get started today by reaching out to one of our knowledgeable Loan Officers!

If you’ve thought about incorporating plants into your home, but hesitated because you feel you lack a green thumb, we’ve got you covered! From snake and spider plants to succulents, you’ll find a variety of plant friends here that are easy to care for and are perfect for beginners. Read on to discover the best plants to bring out the horticulturist in you.

Easy Care Houseplants For Beginners

1. Pinstripe Calathea (Calathea Ornata)

A Pinstripe Calathea plant is a beautiful and affordable addition to any home. This striking plant is native to South America and is best known for its stunning bands of color that resemble pink pinstripes. This close relative of the Maranta family, known as prayer plants, has luscious dark green leaves that close at night and then unfold during the day.

How to Care for a Pinstripe Calathea:

• Sun: Bright, Indirect Sunlight
• Water: Water every 2-4 weeks in the Summer and Every 1-2 Weeks in the Winter
• Climate: Thrives in Humid Environments
• Temperature: 65-75 Degrees Fahrenheit (18-23 Degrees Celsius)

Are Pinstripe Calatheas Safe for Pets?

For pet owners, the Pinstripe Calathea is not toxic to dogs or cats, making this a great addition to a pet-friendly home.

2. Fiddle Leaf Fig (Ficus Lyrata)

The fiddle leaf fig tree, named for its large fiddle-shaped leaves, is native to West Africa and can grow to an impressive 10 feet tall. Although a mature plant can be a little expensive, it’s worth the price as this popular plant will add organic beauty to any room in your home.

How to Care for a Fiddle Leaf Fig:

• Sun: Lots of Bright, Indirect Sunlight
• Water: Every 7-10 Days
• Climate: Thrives in High Humidity, but Can Adapt in Normal Humidity Levels
• Temperature: 60-75 Degrees Fahrenheit (15-24 Degrees Celsius)

Are Fiddle Leaf Figs Safe for Pets?

While a beautiful houseplant, the fiddle leaf fig is toxic to cats and dogs because it contains insoluble calcium oxalates, so pet owners should exercise caution before introducing a fiddle leaf to the home.

3. Chinese Money (Pilea Peperomioides)

The Chinese money plant, also known as the pancake or coin plant, is an ideal houseplant for the enthusiastic beginner who wants to cultivate their green thumb. Native to China, as its name suggests, this round-leafed succulent easily propagates and produces baby Pilea Peperomioides that you can repot and share with a friend.

How to Care for a Chinese Money Plant:

• Sun: Medium to Bright, Indirect Sunlight
• Water: About Once a Week, but Check to See if the Soil Is Dry Before Watering
• Climate: Thrives in Humid Environments
• Temperature: 55-86 Degrees Fahrenheit (13-30 Degrees Celsius)

Are Chinese Money Plants Safe for Pets?

Good news for pet owners: The Chinese money plant is not toxic to dogs or cats, but it’s always good to prevent your pets from ingesting a large quantity as it can lead to stomach problems.

4. Monstera (Monstera Deliciosa)

Monstera Deliciosa, also known as the Swiss cheese plant (due to its natural leaf holes), originates in tropical forests between Southern Mexico and Columbia. One of the trendiest houseplants and known for its beautiful, broad leaves, the Monstera is relatively easy to care for and is an excellent choice for beginners.

How to Care for a Monstera:

• Sun: Medium to Bright, Indirect Sunlight
• Water: Every 1-2 Weeks (Allow Soil to Dry Out Between Waterings)
• Climate: Average to High Humidity
• Temperature: 65-80 Degrees Fahrenheit (18-27 Degrees Celsius)

Are Monsteras Safe for Pets?

The Monstera or Swiss Cheese Plant is toxic to cats and dogs because it contains insoluble calcium oxalates, so pet owners should beware.

5. Rubber Plant (Ficus Elastica)

The rubber plant, or the Indian rubber tree, is easy to care for and makes an excellent houseplant. It can grow up to 10 feet indoors and 100 feet outdoors in its native Southeast Asian regions. Starting with a young rubber tree plant is best as it will adapt to being an indoor plant easier, and it is much more affordable than buying a mature plant.

How to Care for a Rubber Plant:

• Sun: Bright, Indirect Sunlight
• Water: Water When Soil Is Slightly Dry – in the Summer, About Once a Week and in the Winter, Every 2-3 Weeks
• Climate: Thrives in Humid Environments
• Temperature: 65-75 Degrees Fahrenheit (18-23 Degrees Celsius)

Are Rubber Plants Safe for Pets?

The Indian rubber plant is considered toxic to dogs and to cats because of the Proteolytic enzyme (ficin) and psoralen (ficusin) that are found in the sap of the plant.

6. Succulents and Cacti (Varied Names)

Succulents and cacti need little introduction – they’re one of the most common houseplants known for their variety of shapes, sizes and colors as well as their ability to grow in high temperatures and frequent sunlight with little moisture. Many varieties are low cost and easy to find at your local nursery or home-improvement store.

How to Care for Succulents and Cacti:

• Sun: Bright, Indirect Light to Full Sun
• Water: Varies, but a Good Rule of Thumb Is When the Soil Is 100% Dry
• Climate: Dry to Normal Humidity
• Temperature: Ranges from 60-90 Degrees Fahrenheit (15-32 Degrees Celsius)

Are Succulents and Cacti Safe for Pets?

While some varieties of succulents and cacti are safe for dogs and cats like the Blue Echeveria and Haworthia, others like the Jade Plant are not, so it’s best to consult a vet or research the particular species of plant on the ASPCA website.

7. Snake Plant (Sansevieria Trifasciata)

The hardy snake plant adds lovely greenery to living spaces that just about anyone can grow at home. Also called the mother-in-law’s tongue, this Western African plantonly suffers when it is overwatered or in prolonged cold temperatures. Plus, studies show the snake plant can help purify the air in your home.

How to Care for a Snake Plant:

• Sun: Shade to Partial Sun
• Water: Water if the Soil Feels Dry – in the Summer, About Every 2 Weeks, and in the Winter, About Every 2 Months
• Climate: Dry to Average Humidity
• Temperature: 70-90 Degrees Fahrenheit (21-32 Degrees Celsius)

Are Snake Plants Safe for Pets?

Unfortunately, snake plants are toxic to dogs and to cats due to toxic compounds called saponins in the leaves.

8. Bird of Paradise (Strelitzia Nicolai)

Bird of paradise plants range from three to eight feet tall indoors, have beautiful, banana-like leaves and can bloom flowers when fully mature (typically when grown outdoors). Originating from South Africa, the giant white bird of paradise looks great in any living space and is relatively easy to care for if you pay close attention to their condition.

How to Care for a Bird of Paradise:

• Sun: Bright, Indirect Light With Some Direct Sun
• Water: Allow the Top Inch of the Soil to Dry in Between Waterings
• Climate: Prefers Humid Environments
• Temperature: 70-90 Degrees Fahrenheit (21-32 Degrees Celsius)

Are Bird of Paradise Plants Safe for Pets?

Birds of paradise plants are not safe for cats and dogs and can cause mild nausea, vomiting and drowsiness.

9. Spider Plant (Chlorophytum Comosum Vittatum)

The spider plant, originating from South Africa, makes for a great hanging plant and a perfect addition to a beginner’s houseplant collection. It requires minimal attention, is a low-cost option and can grow in a range of temperatures.

How to Care for Spider Plants:

• Sun: Prefers Bright, Indirect Light but Can Adapt in Several Conditions
• Water: Every 10-14 Days – Allow the Top Inch of Soil to Dry in Between Waterings
• Climate: Thrives in Humid Environments
• Temperature: 60-90 Degrees Fahrenheit (15-32 Degrees Celsius)

Are Spider Plants Safe for Pets?

Thankfully, spider plants are considered non-toxic to dogs and to cats. But as always, remember that even non-toxic plants can cause an upset stomach if ingested in large quantities!

Give Your Houseplants a Home

If you find your indoor plant collection outgrowing your current space or desire to plant roots in a home of your own, we can help.

Premier Mortgage Associates offers a wide range of home financing products designed with your lifestyle and budget in mind. You can trust our highly experienced team of mortgage professionals to work with you to select the PMA loan product that best suits your unique financial needs.

Get started on your homeownership goals today by getting preapproved with one of our friendly, experienced Loan Officers.

In honor of Black History Month, we recognize the role and legacy of the many Black Americans who have made housing history and paved the way forward for Black homeownership. Read on to hear the incredible stories of seven Black Americans whose impact is still felt today.

Zipporah Potter Atkins (1645–1705)

The First African American Property Owner in Colonial Boston

Zipporah Potter Atkins was born free in Boston, Massachusetts, to parents enslaved by a wealthy merchant. When the merchant drew up a will, he left money to Atkins’ parents and specified that if Atkins’ father were to die, the money should go to her. On the seventeenth anniversary of her father’s death, Atkins purchased a home and land, becoming the first known recorded African American woman to do so in Boston. When she sold the home in 1699, she wrote her initials on the deed of sale, indicating she had achieved a level of literacy, another remarkable feat in colonial days.

Biddy Mason (1818-1891)

One of Los Angeles’ First Black Real Estate Moguls

Biddy Mason was enslaved until age 37 when a California judge declared her free forever in 1856. With her freedom, Mason and her daughters moved to Los Angeles where she worked as a nurse and midwife. Her friends encouraged her to invest in real estate, and Mason was able to save up by 1866 to purchase a home on Spring Street. She ran a daycare, held civic meetings and hosted the First African Methodist Episcopal Church at her home. She continued to invest in real estate and helped her family buy properties. Although Mason became one of the wealthiest women in L.A. with a $300,000 fortune, she generously gave back to her community and is remembered for her philanthropy and incredible resilience.

Philip A. Payton Jr. (1876-1917)

The Father of Harlem

Philip A. Payton Jr. arrived in New York City in 1899 where he worked as a barber and later a janitor for a real estate office. After he opened his own office with a partner that ultimately failed, Payton and his wife moved to Harlem where he started advertising his services for guiding Black tenants from Midtown to new homes. He started the Afro-American Realty Company in 1904 to reestablish Harlem as a place for Black Americans who had faced housing discrimination. Payton is remembered as the “father of Harlem,” and by the time he died, 75 percent of the city’s black population had moved to Harlem, according to the New York Times.

Loren Miller (1903-1967)

Black Civil Rights Attorney Involved in Landmark Housing Litigations

Loren Miller became the go-to representative for Los Angeles’ Black homeowners in cases of discrimination. In 1945, Miller represented Black residents in the Sugar Hill community who were facing eviction because of racially restrictive real estate covenants. Miller successfully argued that these covenants violated the Fourteenth Amendment. The Sugar Hill case set a legal precedent for the 1948 U.S. Supreme Court Case Shelley v. Kraemer where Miller once again fought for Black homeowners. The Court’s decision made the enforcement of racially restricted covenants unconstitutional.

Clarence Mitchell Jr. (1911-1984)

NAACP Lobbyist for Fair Housing

Clarence Mitchell Jr. was the Chief Lobbyist for the national NAACP and the Washington director of the NAACP. Originally from Baltimore, Maryland, Mitchell spent his career advocating for civil rights on Capitol Hill. He was instrumental in the passage of the Civil Rights Act of 1957, the Civil Rights Act of 1960, the Civil Rights Act of 1964, the Voting Rights Act of 1965 and the Fair Housing Act. Mitchell was so influential that a Republican senator nicknamed him “the 101st senator.”

Ernesta G. Procope (1923-2021)

Insurance Industry Pioneer

Ernesta G. Procope was an investment banker from Brooklyn, New York, who founded E.G. Bowman, a private insurance company. She served local businesses and homeowners in the 1950s, including the primarily Black community of Bedford-Stuyvesant where other insurers had been hesitant to service. Procope advocated for black homeowners her entire career, including pushing for the Fair Access to Insurance Requirements Plan that provided coverage in high-risk areas. E.G. Bowman became the first Black-owned business on Wall Street and the nation’s largest Black woman-owned insurance agency.

Ben Slayton (1942-)

First Black Member of the National Association of Realtors®

In the 1960s, there were no Black members of the National Association of Real Estate Boards, which is now known as the National Association of Realtors^®. At the time, Ben Slayton needed another member to sponsor him to join. His adoptive Jewish family, who had taught him the real estate business, helped him find a white member who charged Slayton $5,000 to sponsor his membership. Thus, Slayton became the first Black Realtor^® in 1964. He later became the first Black Century 21 Real Estate Franchisee broker-owner. In 2018, he started his own mortgage company to close the approximate 30% homeownership gap between Black and white Americans.

We’re grateful to these seven individuals and countless others who boldly made history and dedicated their lives to the advancement of fair housing for Black Americans.

At Premier Mortgage Associates, we’re an equal housing lender dedicated to helping families all over the nation reach their dream of homeownership.

Let’s face it – being a homeowner means wearing a lot of hats, including that of a maintenance manager. But don’t let that overwhelm you! We’ve put together this practical guide to help you tackle home maintenance one season at a time.

Spring into Action

• Give your roof and gutters some TLC – winter can be rough on them. A quick check now prevents headaches later when spring showers hit.
• Those window and door seals might have taken a beating. Run your hand around the edges – feel any drafts? Time for fresh weatherstripping.
• Your HVAC system deserves a spa day – clean it up and pop in a fresh filter. Trust me, your summer self will thank you.
• If you’ve got sprinklers, fire them up for a test run. Winter freezes can be sneaky pipe-breakers.

Summer Projects

• That deck or patio got you through countless BBQs – show it some love with a good cleaning and repair check.
• Think of tree trimming as your home’s haircut – it keeps everything tidy and prevents unwanted “visitors” from using branches as highways into your house.
• Walk around your house like you’re house hunting. Peeling paint? Wonky siding? Now’s your chance to fix it.
• Here’s one people often forget: clean your dryer vent! It’s not glamorous, but it’s a real fire-prevention hero.

Fall Prep Work

• Book your HVAC pro early. Everyone wants their furnace checked in fall, so it’s best to beat the rush.
• Those gutters need another check after the leaves throw their annual party.
• Draft-proof everything. Seriously, everything. Your heating bill will be much friendlier.
• Time to say goodbye to garden hoses until spring. Drain and store them!

Winter Watch

• Pop your head up in the attic – good insulation is your best friend against ice dams.
• Monthly detector tests might seem like overkill, but they can be lifesavers.
• Keep an eye out for ice dams and icicles. They’re pretty but can signal insulation issues.
• Show your furnace filter some regular attention – it’s working overtime this season.

Real Talk Tips

• Phone reminders are your friend – set them for seasonal tasks.
• Before and after photos aren’t just for home makeover shows, they help track wear and tear.
• Keep notes on what you did and when as memory can be tricky.
• Know when to call in the pros – YouTube can’t teach everything.

Here’s the thing about home maintenance – it’s like exercise. Regular small efforts prevent major problems down the road. Your home keeps you comfortable through every season; these maintenance checks are just returning the favor.

Have questions about managing your home? Looking to turn that fixer-upper into your dream house? Drop us a line at Premier Mortgage Associates. We’re real people who love helping you succeed!

Tired of eye-popping utility bills? You’re not alone. The good news: Today’s technology offers some pretty amazing ways to create an energy-smart home that’s both comfortable and budget-friendly. Let us walk you through some game-changing solutions we’ve seen work wonders for homeowners.

Tech That Actually Pays Off

• Smart thermostats are like having a money-saving assistant. They learn when you’re home and adjust automatically. My clients regularly see heating bills drop 10-12% and cooling costs shrink by 15%.
• Ever heard of energy vampires? Those are devices secretly sapping power in standby mode. Smart power strips kick them off the grid when you’re not using them, saving up to 10% on your electric bill.
• Motion-sensing LED lights sound fancy, but they’re super practical. They use 75% less juice than old-school bulbs and never stay on in empty rooms.
• Smart blinds do the thinking for you. They adjust to the sun’s position, keeping your home cooler in summer and warmer in winter.

Modern Insulation Magic

• Today’s spray foam insulation is incredible stuff. It finds nooks and crannies you didn’t even know existed. I’ve seen it cut energy bills by up to 15%.
• Energy-efficient windows might seem pricey, but they’re like sunglasses for your house – blocking heat while letting in light.
• Smart vents are genius – why heat or cool rooms nobody’s using? They let you control temps room by room.
• Good weatherstripping is like a cozy sweater for your house. It keeps the comfort in and the elements out.

Water Wisdom

• Smart sprinklers are like weather forecasters and gardeners rolled into one. They know when your lawn actually needs water.
• Modern washing machines are water-saving ninjas using 25% less water while still getting clothes squeaky clean.
• Smart leak detectors are like tiny plumbers on duty 24/7. They catch problems before they become floods.
• New low-flow fixtures are nothing like the wimpy ones from years ago – great pressure, less waste.

Power Production and Storage

• Solar panels paired with modern batteries mean you can actually use the sun’s power when you need it most.
• Solar water heaters can slash water heating costs in half, sometimes even more.
• Power monitoring systems show exactly where your energy dollars are going in real time.
• Geothermal systems sound sci-fi, but they’re amazing – using Earth’s steady temps for super-efficient heating and cooling.

Money-Smart Moves

• Check your utility company’s website. They often have rebates they don’t advertise.
• Start with an energy audit – it’s like a treasure map for savings.
• Begin with quick wins like LED bulbs – small changes add up fast.
• Keep tabs on your bills to see what’s working.

Remember, you don’t have to do everything at once. Pick what makes sense for your home and budget, then build from there. Every change helps your wallet and the planet.

Want to explore financing for energy upgrades? Give us a shout at Premier Mortgage Associates. We’ve helped countless homeowners make their energy-saving dreams reality, and we’d love to help you too!

Do you have student loans weighing on your mind as you consider homeownership? You’re not alone.

The State of Student Loan Debt in America

According to Experian, the average student loan balance was about $38,787 as of Q3 2023.

The outstanding balance for federal student loans as of March 2024 totaled $1,620.1 billion spread out among 42.8 million borrowers, according to the office of Federal Student Aid – an office of the U.S. Department of Education.

That’s not even including private student loans, which have an estimated $130.28 billion total private student loan balance as of Q3 2023, according to Enterval Analytics’ Private Student Loan Report.

Additionally, according to The 2024 National Association of REALTORS® report, buyers reported that debt delayed them from saving for a down payment or buying a home for a median of four years. Of buyers who cited saving for a down payment as difficult, 52% pointed to student loans as the debt that delayed their savings the most.

Suffice it to say, student loan debt can make it seem like homeownership is out of reach. Thankfully, we’re here to let you know that your debt doesn’t have to hold you back.

Student Loan Refinancing Can Help You Buy Sooner

Our refinancing program isn’t just another financial product – it’s your bridge to homeownership. By rolling those scattered federal and private student loans into one manageable payment, we’re helping clear the path to your new home.

Why does our approach work better?

• Trade those sky-high rates for a lower interest rate loan
• Free up cash each month (hello, down payment fund!)
• Boost your mortgage approval odds with a better debt-to-income ratio
• Ditch the headache of juggling multiple student loan payments for just one monthly payment

Your Roadmap to Success

Buying a home with student loans takes some planning. Here’s how we break it down:

First Up: Smart Money Management

• We’ll dig into your current loans – no sugar coating, just real talk
• Find refinancing options that give your budget room to breathe
• Build a game plan for a stronger mortgage application

Next: Down Payment Strategy

• Student loans can add years to the saving process – we’ll help you cut that time down
• Use refinancing to unlock more monthly savings
• Get the scoop on down payment programs you might not know about

Finally: Getting That Approval

• Tackle DTI head-on (it’s easier than you think)
• Walk in with a rock-solid application
• Work with people who understand both worlds – student loans and mortgages

Real People, Real Success

• Fresh grads proving the doubters wrong (even with $25K in loans)
• Mid-career pros balancing bigger loans with bigger dreams
• Experienced buyers showing it’s never too late to make a smart move

Let’s Get Started

Here at Premier Mortgage Associates, we love turning “maybe someday” into “yes, now.” Our team knows how to look at your whole picture – not just the numbers on a page.

Let’s find out how we can help you achieve homeownership. Explore your student loan debt financing options today!*

Premier Mortgage Associates NMLS# 75597 makes homeownership possible through personalized solutions and genuine support.

*If you refinance federal student loans, you may no longer be eligible for payment options available to federal loan borrowers or other federal benefits.

NQM Funding, LLC is not affiliated with Bank of Lake Mills. NQM Funding, LLC offers home loan financing and does not offer student loans or debt consolidation services. A mortgage loan with NQM Funding, LLC is not contingent upon obtaining a student loan or using Bank of Lake Mills’ services. Please consult with a student loan advisor to understand the benefits that you may gain by consolidating or refinancing student loans. Bank of Lake Mills makes all credit decisions and is responsible for all student loan activities.

Gifts for The First-Time Homebuyer

• Tool Kit
• Dishware Set
• Charcuterie Gift Set & Accessories
• New Home Ornament

Gifts for The Homeowner With Kids

• Outlet Covers
• Baby Gates
• Movie Night Popcorn Set
• Family game Night

Gifts for The Empty Nesters

• Digital Picture Frame
• Super-Plush Robe
• Magnifying Makeup Mirror
• Bierfilzl Felt Coasters

Gifts for the Home Cook

• American Hard Maple Cutting Board
• Food Huggers Reusable Silicone Food Savers
• Instant Pot Duo Multi-Cooker
• Quince Ceramic Nonstick 7pc Cookware Set

Gifts for the Backyard BBQ Enthusiast

• Quince 4-Piece Stainless Steel Grill Tool Set
• Kabob Grilling Baskets
• ThermoPro Smart Bluetooth Meat Thermometer w/ Dual Probe

Gifts for the Home Gardener

• Smart Bird Feeder
• Bonsai Starter Kit
• Solar Garden Statue
• Hydroponics Home Garden
• Gardener’s Tool Seat

Gifts for the Pet-Loving Homeowner

• Stoneware Pet Food Bowl
• Machine Washable Pet Bowl Mat
• Sofa Pet Bed
• Dog Treat Dispenser 

Gifts for the Hobbyist Homeowner

• Orchid House Plant Lego Set
• Puzzle Board
• Mini Drone
• Home Pottery Kit

Gifts for Your Work From Home Friend

• Keyboard Cleaning Kit
• NES Coasters
• Under Desk Walking Pad
• Rifle Paper Co. Notepad Set