As the U.S. health insurance landscape continues to evolve, employers across the country must revise their plan designs and costs to comply with changing legislation and the rising costs of medical services. As a result, health insurance plan and out-of-pocket expenses are going up for everyone in 2016. We are committed to making a difference for you, our associates, so we want to help you understand what is driving healthcare costs, how we are working to mitigate them, and steps you can take to improve your health and lower your costs.

What’s a great way for homeowners associations to bring residents together, create a sense of community pride and encourage social, cohesive, we’re-all-part-of-the-same team atmosphere?  Plan a community event. One of the main reasons HOAs organize community events is to help homeowners meet their neighbors and feel more affiliated and engaged with their local or surrounding community – a great way to build relationships and enhance residents’ quality of life. And really, who doesn’t love a party?  

Congratulations!  After weeks of house hunting, you finally found the perfect home for your family, complete with a convenient location, lots of great amenities, a well-run HOA and an asking price that fits your budget.  Time to break out the bubbly and toast your good fortune, right?  Not so fast.  Before you pop the cork, you’ve got one more hurdle to overcome – getting a mortgage loan.