Cody Rohland's Blog
Create a flower garden you love coming home to after a long day at work that is bursting with color.
Sweet peas are a stunning annual that quite literally descends from the pea plant! They do best with the sun on their petal and shade protecting their roots so do well with a shorter plant nestled in front of them. The April in Paris variety offers yellow and purple tinted petals while the aptly named America boasts red and white stripes.
Snow Princess is sweet but tough - incredibly resistant to drought and heat. These blooms will sprawl out with its tiny white flowers making a perfect base for brighter colors to pop. It also makes for a stunning cascading plant when potted. Put this beauty in full sunlight with occasional shade.
Cinderella stock is another annual to add to your wish list. Unlike the snow princess, it prefers the cooler temps just before full summer heat hits. But it will thrive in full sunlight. You can find varieties in pink, blue, red and white so whatever your colorway, these guys are sure to fit right in.
Blue Cornflower is a distinctive color that’s found its way of naming everything from crayons to nail polish shades. This annual is easy to grow and so a great starter for beginners. A fairly long stem length, cornflowers can be placed towards the back of your garden as not to shade out shorter blooms.
Nasturtium adds warmth to your garden with shades of red, orange and yellow. Not only are these easy to grow but they’re edible! Perfect for the culinarily adventurous and beginners alike. There are so easy to grow, in fact, that they can grow perfectly happy in less nutrient-rich soils.
Begonia comes in every shade and size you could possibly need. They’re a step up from a true beginner plant in that they will need at least a little attention. However, these will look beautiful in a container garden or in a setting they are allowed to sprawl.
Marigold Signets add a pop of cheery warmth to your colorful garden. With stunning fully rounded “globe” of flowers these will happily fill up your garden. The “gem” hybrids are the most popular variety in shades of lemon, orange, red, and tangerine. These are another edible bloom with a slight lemony flavor to add to a dish.
Pansies are perhaps the most well-known for the bright and varied color palette. They come in varieties that offer blooms with a single color or petals in alternating colors. Like sweet peas, they prefer sun but the cooler temps of the spring and fall. These are a ground cover plant that also does well (and are incredibly popular) in container gardens.
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If you’re a first-time homebuyer, you might be wondering what all of the expenses you can expect to have when it comes time to close on your home.
Ideally, you’ll want to understand all of the closing costs months in advance so that you can plan accordingly. However, even if you’re close to purchasing your first home, it’s still useful to get to know closing costs better.
In today’s post, I’m going to cover the closing costs that are typically the buyer’s responsibility.
Buyer’s closing costs
There’s good news and bad news when it comes to closing costs for buyers. The bad news is that buyers are typically on the hook for the majority of the closing costs associated with a real estate transaction. The good news, however, is that many of these fees will be grouped together as part of your mortgage, meaning you won’t have to devote much time or thought to them individually.
That being said, to ensure that you know where your money is going, here’s a breakdown of the main closing costs that you’ll likely be responsible for as a buyer:
1. Attorney fees
Real estate attorneys research the ownership of the home, ensuring that the seller actually has the right to sell you the property. Though this is usually a formality, it is an important one.
Attorneys can either charge a flat fee or hourly rate.
2. Origination fees
The origination fee is paid upfront to the lender. It’s the fee that they charge for processing your mortgage application and getting you approved as a borrower.
3. Prepaid interest
Many buyers pay their first month’s interest in advance. This is the amount of interest that will accrue from the time you purchase the home until your first mortgage payment is due (a month later).
4. Home inspection
Inspections are one of the closing costs that can save you a ton of money in the long run if they find anything during their visit to the home. Inspectors should be licensed in your state, and you should choose your own inspector based on ratings and reviews (not at the recommendation of someone who is incentivized to sell you the home such).
5. Escrow deposits
Escrow deposits are typically shared between the buyer and seller and it is the fee that escrow agents charge for their services. You can think of an escrow as a neutral third party that keeps your money safe while purchasing a home.
6. Recording fees
All real estate purchases have to be recorded by the local government. Typically, this is performed by the county or town hall. Recording fees are charged whenever a real estate transaction occurs.
7. Underwriting fees
Mortgages are all about determining risk. A lender wants to know whether they will see a return on their investment by lending to you. To do so, they research your credit and income history. The fee the charge for this work is called the underwriting fee.
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