While a 20 percent down payment was once the standard when purchasing real estate, it eventually fell out of favor. However, after the housing crisis, buyers are now reconsidering its appeal… more

Whether you use your home office to work remotely or just as a place to keep track of bills and family schedules, it can be a wonderful addition to your home… more

In many cases, it really is the thought that counts. Here are a few inexpensive ways to show your family some love. They’re not just for Valentine’s Day either… more

We all love our friends and family. However, did you know that having these healthy relationships in our lives is as important to our overall health as exercise, good nutrition and stress management? more

Pets are a great way to help children learn about responsibility, compassion, and even about friendship… more

From family vacations to days at the zoo, there are loads of things you can do to have fun together… more

Quotations to stimulate your mind and raise your spirits… more

This rich chocolate cake is accented by sophisticated red wine fruit notes… more

Whether you value an environmentally conscious lifestyle or just want to save on energy costs, there are many reasons to consider a green home… more

Don’t get stuck in the kitchen on Super Bowl Sunday. Check out these tips and you’ll have time to relax and enjoy the game with your guests on February 5, 2012…. more

A college education is an expensive (though valuable) investment. Whether you’re sending your child to college or going back to school yourself, consider these suggestions to keep debt to a minimum… more

You’ve probably heard the old saying, “An apple a day keeps the doctor away.” But have you ever wondered if there is any truth to it?… more

From the mildly annoying to downright traumatic, bad hair days at the salon can be avoided. Consider these tips for communicating with your stylist that will help you get the haircut you really want… more

From eating better to stressing less, these websites will help you look and feel better than ever… more

Quotations to stimulate your mind and raise your spirits… more

This light yet satisfying stew is a delicious way to enjoy quality seafood any time of year… more

For many people in our country, and around the world, this year has been tough. Natural disasters, high unemployment, economic and social insecurity have all been headlines on the nightly news.

That’s why it is so important for me to reach out and recognize the blessings in my life. I have a wonderful family, supportive friends, a lovely home and a 12-year-old business that includes special clients like you.

The mortgage business has been hit especially hard. New regulations, tighter underwriting and investor requirements, and a sluggish re-sale market have all played into a tough year.

But it is because of all of that, that I am still here working for you and your referrals. Having a partner working on your behalf when refinancing a mortgage or buying a new home is critical. Thank you for making me a member of your team!

As we close out 2011 and head into 2012, I want to wish you wonderful blessings and sincere wishes for a joyous and prosperous new year!

Sincerely, Karen

According to a study conducted by a major real estate website last summer, it is cheaper to buy, rather than rent, in 74 percent of our nation’s largest cities… more

From creaking floorboards to alligators in the sewers, get the real scoop on a few common household myths… more

What goes into a credit score can often be confusing, but we have a few answers… more

High carb, high fat, high sugar foods and beverages are always plentiful during the holidays. Whether you’re a party thrower or partygoer, consider healthier options… more

From the 3-1-1 rule to upgrades and airline lounge secrets, these frequent flyer tips will make your next flight more enjoyable… more

The holidays are always busy, especially if you’re entertaining. Check out these websites for tips and tricks for planning meals to decorating… more

Quotations to stimulate your mind and raise your spirits… more

These festive cookies are loved by all. Wrap up a few for neighbors and friends, and don’t forget to save some for Santa… more

From HomePath and FirstLook to HomeSteps and conforming loan limits, there are many changes afoot within these Government Sponsored Enterprises… more

From using what you have on hand to gathering decorative items from nature, there are many ways to quickly decorate for Thanksgiving… more

Whether you’re a longtime customer, bundle several products or secure your home against disaster, there are many ways to reduce your insurance burden with credits… more

Dating red flags may vary. What you find offensive, another individual may find endearing. Read on for five of the biggest, boldest red flags. If you’re happily attached, share them with your single friends… more

Whether you hate your curves or lack thereof, consider these simple tips to make the most of your body type… more

From legal and insurance to health and home repair, you’ll find lots of free advice at these helpful websites… more

Quotations to stimulate your mind and raise your spirits… more

This simple dish is full of fall flavor. It’s a perfect vegetarian meal on its own or as an addition to Thanksgiving dinner… more

Professionals receiving this designation are singled out for providing exceptional service and customer satisfaction as determined by the Five Star Professional research team. This team contacted clients, peers and industry experts, asking them for recommendations and rankings in this category.

I am honored to be one of those selected and know that it is because of the people that I work with – customers and industry professionals alike – that have gotten me to this esteemed place in my career. If you would like to read more about this designation, please click on this link 5280 Five Star Professional.