How to Plant a Tree the Right Way So It Thrives for Decades to Come

 
 

Trees are important landscape components that grow slowly but often outlast most other plants. They offer visual height, shade, and a habitat for birds, and well-planted trees could very well outlive you.

Adding a tree to your property is a bit more complex than adding a small shrub or garden bed, but that doesn't mean it's too difficult for a DIY. You'll just need to invest time and resources into doing the job right if you want to leave your property more shaded and beautiful than you found it.

Here's how to plant a tree the easy way and help it flourish for future generations.

How to Plant a Tree

Select Your Tree Type

The best way to set yourself up for success is to choose a tree that will thrive in your local climate. Look up your region's USDA Plant Hardiness Zone and select a tree that is likely to grow well under local conditions.

Choose a Location

Aesthetics isn't the only thing to consider when selecting the best spot for a tree. To figure out where to plant it, start with the process of elimination. You'll need to consider the following:

  • Underground utility lines: Make sure you research your state laws before digging and contact the proper agencies and utility companies to mark underground lines.

  • Sunlight: Most trees need six to eight hours of full sunlight to grow well, so avoid any shaded areas in your yard.

  • Mature size: You'll also want to consider the full size of the tree when it matures, so don't select a location that's too close to structures like your home or other mature trees.

Prepare Your Starter Tree

If you're relatively new to gardening, planting a starter tree rather than a seed can help give you better results. You'll get to bypass the initial growing stages where more things can go wrong.

Before planting a bare-root starter tree, you'll need to soak its roots in a bucket of water for a couple of hours to help them stay moist during the process.

For potted starter trees, make sure to water the tree as soon as you get it home. Place it outside near its future dwelling place to allow it to acclimate to the conditions for a week. When you're ready to plant it, gently remove it from its container.

Prepare the Hole

  • Adjust the soil: Start by checking your soil's acidity and assessing its health. Most trees prefer loose, loamy, and well-draining soil with a neutral pH. However, you'll want to research your specific tree's needs and adjust the soil accordingly to make it more acidic or to raise the pH. Incorporating organic matter via compost can make the soil looser, more loamy, and better-draining, but it also raises the acidity. It's all about balance.

  • Dig the hole: Dig a hole in your yard that's at least twice the width and about one inch deeper than the starter tree's root system.

  • Set the excavated soil aside: Don't discard the extra soil you've removed from the tree. You'll need it in the next step.

Transplant the Starter Tree

To transplant your tree, place it upright in the prepped hole. Shovel the excavated soil back into the hole, tamping it gently as you go. Reposition the tree as needed during the process to ensure it stays upright.

Add extra soil to the base of the tree in a mound shape, and create a moat around the perimeter for extra water to collect and keep the tree moist as it matures. Apply a thin layer of mulch, leaving a three-inch ring around the base of the tree to allow for air flow.

How to Care for a Newly-Planted Tree

While a young tree is establishing its root system, it needs some extra attention. Follow these care tips for the first two to three years after planting your tree.

Water frequently:Water the tree daily for the first two weeks to prevent root shock, and slowly reduce the frequency after to every other day and then weekly. Once your tree becomes more established, you only need to water it every two to three weeks during dry periods.

Keep it mulched: Keeping a young tree mulched will help its roots retain moisture better. Reapply the mulch on an annual basis. You can drop the frequency to once every two years when the tree matures.

Stake it: Sometimes, a young tree's root system isn't established enough to support it. If you notice your transplanted tree bending, stake it to prevent it from snapping from the top weight or heavy winds.

The Best Time to Plant a Tree

You'll want to plant a starter tree into the ground when the weather is mild and when the plant is entering or just starting to end its dormancy period. For most regions, this is during fall or early spring.

Both seasons have their pros and cons for planting a tree.

Planting a Tree in Fall

Planting a tree in the fall gives it ample time to establish its root system before the summer heat kicks in. Since the tree is on its way towards entering dormancy, it can channel its energy into root growth rather than leaf growth.

However, you want to make sure you don't plant the tree too late in the fall, or you run the risk of below-freezing temps causing damage to the tree's root system.

Planting a Tree in Spring

Local nurseries often get a fresh supply of trees delivered in spring, so you should have a great selection to choose from.

Just be sure to wait until after the ground has thawed from winter, but don't put it off too long. The warmer temps of early summer can cause the tree to go into shock.

Read more at the spruce

Related Links

If there is a home that you would like more information about, if you are considering selling a property, or if you have questions about the housing market in your neighborhood, please reach out. We’re here to help.

Search Homes in Colorado

Search Homes in North Carolina

Search Homes in Oklahoma

FBI warns of home title theft surge

 
 

The Boston division of the FBI is sounding the alarm over a rise in home title theft, aka quit claim deed fraud, a scheme in which scammers forge documents to steal property ownership and cash in on unsuspecting homeowners.

“Folks across the region are having their roots literally pulled out from under them,” Jodi Cohen, a special agent in charge of the bureau’s Boston division, said in a statement. “They’re suffering deeply personal losses that have inflicted a significant financial and emotional toll, including shock, anger, and even embarrassment.”

The warning comes as the FBI reports a steady uptick in these types of cases across New England, with homeowners discovering their property has been sold — or is in the process of being sold — without their knowledge or consent.

Home title theft hinges on forged or fraudulent quit claim deeds. Once recorded with a county clerk, these fake documents allow scammers to list and sell homes, apply for loans or even rent properties to unsuspecting tenants.

The schemes are as varied as they are alarming.

Some criminals comb through public records to identify vacant lots or mortgage-free homes, then impersonate the rightful owner in dealings with real estate agents. Others take advantage of elderly family members, convincing them to unknowingly sign over property rights.

In more elaborate cases, fraudsters known as “title pirates” forge entire transaction chains to pass ownership, which often goes undetected until after the sale has closed and money has changed hands.

While the FBI’s Internet Crime Complaint Center does not isolate statistics for quit claim fraud, it is tracked under the broader category of real estate crimes. From 2019 to 2023, more than 58,000 Americans reported losing a combined $1.3 billion to such schemes.

In the Boston division — which covers Massachusetts, Maine, New Hampshire, and Rhode Island — 2,301 victims reported more than $61.5 million in losses during that period. Massachusetts alone accounted for $46 million in losses.

But the true impact is likely far greater due to underreporting, officials warn. “Many victims are too embarrassed or don’t know where to turn,” Cohen said.

Pandemic-driven fraud shift

Real estate fraud has found new fuel in the digital age, especially after the COVID-19 pandemic pushed more transactions online.

With buyers and sellers often relying on emails, phone calls and virtual closings, bad actors have found easier ways to pose as owners and slip through verification gaps.

To combat the trend, the FBI is partnering with real estate agents, title companies, county registries and insurance providers. But the bureau stresses that homeowners and real estate professionals must remain on high alert, and it offers the following guidelines:

Tips for property owners

  • Monitor property records regularly through your local county clerk or assessor’s office. Some counties offer title alert systems.

  • Set up Google alerts for your name and property address to catch unauthorized listings.

  • Physically inspect vacant properties or have someone do so periodically.

  • Ask neighbors to report suspicious activity around your land or home.

  • Take action if you stop receiving utility bills or see a sudden change in services.

  • Avoid conducting transactions over encrypted or anonymous messaging apps.

Tips for agents

  • Prioritize in-person meetings and identity checks when possible.

  • Request documents only the legitimate property owner would possess — like tax bills, utility statements or a purchase survey.

  • Verify notarized documents by contacting the notary directly.

  • Send certified letters to the mailing address on file to alert owners of any suspicious activity.

  • Double-check contact information using phone carrier databases or reverse searches.

  • “This is a community problem with real and lasting consequences,” Cohen said. “The more proactive we are, the better chance we have of stopping it before it starts.”

Anyone who suspects they’ve been targeted is urged to report the crime through the FBI’s Internet Crime Complaint Center at www.ic3.gov.

Read more at Housingwire

Related Links

If there is a home that you would like more information about, if you are considering selling a property, or if you have questions about the housing market in your neighborhood, please reach out. We’re here to help.

Search Homes in Colorado

Search Homes in North Carolina

Search Homes in Oklahoma

Are You Saving Up To Buy a Home? Your Tax Refund Can Help

 
 

You’ve been working on your savings and dreaming of that moment when you finally have keys to a place that’s truly yours. What you might not realize is that your tax return could give you a little extra cash to help you get there sooner.

As Freddie Mac notes:

“ . . . your tax refund from the IRS can be a useful supplement to your homebuying budget.”

So, if you’re getting a tax refund this year, you can use it to help you pay for some of the upfront costs that come with buying a home, like the down payment and closing costs. And here’s the best part.

On average, people are getting even more money back in their refunds than they did last year. While it’s not a big increase, the visual below uses data from the Internal Revenue Service (IRS) to show the average individual’s refund is 3.9% higher this year:

 
 

Of course, how much money you may get in your tax refund is going to vary. But when it comes to buying a home, any extra cash can help move things forward. Here are a few examples of how you can put that money to good use, according to Freddie Mac:

  • Save for a down payment – Saving for a down payment can be one of the biggest hurdles for buyers. Setting aside your tax refund for this expense could help you get to your goal faster. Just remember, it’s typically not required to put 20% down.

  • Pay for closing costs – Closing costs include fees for things like the appraisal, title insurance, and underwriting of your loan. They’re generally between 2% and 5% of the total purchase price of the home. So, putting your refund toward these costs can make things more manageable on closing day.

  • Lower your mortgage rate – Your lender might give you the option to buy down your mortgage rate. If you qualify for this option, you could pay up front to have a lower rate on your mortgage. If affordability is tight for you at today’s rates and home prices, this may be worth exploring.

But you don’t have to figure it all out on your own. Working with a team of trusted real estate professionals who understand the homebuying process, what you need to save, and any resources you can tap into will help you make sure you’re ready to buy when the time comes.

Bottom Line

When it comes to saving for a home, every dollar gets you one step closer to your goal. While your tax refund may not be enough to change the game, it can help give your homebuying fund a boost.

Read more at Keeping Current Matters

Related Links

If there is a home that you would like more information about, if you are considering selling a property, or if you have questions about the housing market in your neighborhood, please reach out. We’re here to help.

Search Homes in Colorado

Search Homes in North Carolina

Search Homes in Oklahoma

House introduces bill to reduce mortgage insurance costs

 
 

Trade groups like the Mortgage Bankers Association (MBA) may be getting at least some of the relief they’ve been advocating for when it comes to mortgage insurance premiums.

Last week, H.R. 2760 — otherwise known as the Middle Class Mortgage Insurance Premium Act — was introduced into the House of Representatives by Rep. Vern Buchanan (R-Fla.). The bill has 10 co-sponsors, including three Republicans and seven Democrats.

The bill was referred to the House Committee on Ways and Means. While the full text of the legislation is not yet available, its listed purpose is to “amend the Internal Revenue Code of 1986 to increase the income cap for and make permanent the mortgage insurance premium deduction.”

“With housing prices skyrocketing in Florida and across the country, it’s our responsibility to provide tax relief for middle-class families seeking to own a home,” Buchanan, the vice chairman of the ways and means committee, said in a statement. “My bipartisan legislation will help make the American Dream of home ownership real for millions of Americans.”

“The costs of mortgage insurance can make buying a home that much more difficult for working families,” said Jimmy Panetta (D-Calif), a co-sponsor. “Our bill would make the mortgage insurance premium tax deduction permanent and update the income threshold so more middle-class homeowners can benefit.

“Despite today’s challenging housing market, this type of fix to modernize this tax provision would help more Americans achieve and sustain home ownership.”

The MBA has been a vocal advocate for any moves to reduce mortgage insurance premiums — especially for Federal Housing Administration (FHA) loans.

The Trump administration issued a day-one executive order that called upon the heads of all executive departments and agencies “to deliver emergency price relief, consistent with applicable law, to the American people” in an effort to improve the nation’s housing supply and affordability challenges. The MBA followed by renewing its efforts to seek reductions in mortgage insurance premiums.

“The general deregulatory bent of the new administration, we think, will be very helpful in bringing down some costs in the origination process. Over the next months and years of this administration, we expect an easing of the regulatory burden,” Bob Broeksmit, the MBA’s president and CEO, said on a recent episode of the HousingWire Daily podcast.

“Even more immediately, though, we believe the administration could very quickly make good on this pledge, this commitment to lower costs in housing, by taking a very serious look at the mortgage insurance premium for FHA loans, both on the single-family side and the multifamily side for affordable apartments and affordable rentals,” he added.

Seth Appleton, the president of the U.S. Mortgage Insurers (USMI), said that his organization “strongly supports” H.R. 2760. In a statement, he called it “common-sense legislation that would restore, make permanent, and expand eligibility for the tax deduction for mortgage insurance (MI) premiums.”

“From 2007 until its expiration in tax year 2021, the MI premium deduction was claimed 44.5 million times, representing a combined $64.7 billion in deductions for hardworking homeowners — an average annual deduction of $1,454 per qualified taxpayer,” Appleton said.

“Unfortunately, its expiration has deprived millions of low- and moderate-income taxpayers from benefitting from this deduction in recent years. The Middle Class Mortgage Insurance Premium Act is a positive step towards putting money back in the pockets of taxpayers and making homeownership more affordable for American families.”

Read more at Housingwire

Related Links

If there is a home that you would like more information about, if you are considering selling a property, or if you have questions about the housing market in your neighborhood, please reach out. We’re here to help.

Search Homes in Colorado

Search Homes in North Carolina

Search Homes in Oklahoma

Zillow to ban privately marketed homes, escalating an industry fight over secret listings

 
 

Home listings giant Zillow said it will ban homes initially marketed only to select buyers from appearing on its website, the latest twist in a long-simmering fight in the real estate industry over private listings.

“If a listing is marketed directly to consumers without being listed on the MLS and made widely available where buyers search for homes, it will not be published on Zillow,” the company said on its website Thursday.

Zillow’s decision comes after the National Association of Realtors announced a new rule meant to settle an industry fight over a policy designed to reduce semi-secret listings known as “pocket” or “off-market” listings. That rule gives sellers the option to delay broadly advertising their homes online while leaving in place a policy that requires agents to list homes on shared databases known as multiple listing services (MLS) within a day of beginning public marketing.

Zillow’s rules, set to take effect next month, would target homes that received limited public marketing like Instagram posts or exclusive inventory status on a single brokerage’s website without appearing on the MLS. Those properties would be banned from later being posted on its website “for the life of the listing,” the company said in a separate statement.

The MLS listing requirement, known as the Clear Cooperation Policy, has long sparked fierce debate within the real estate industry. Fair housing advocates and platforms like Zillow (Z) and Redfin (RDFN) have supported the policy, saying it aids transparency and helps sellers get higher prices for their homes. But other agents and brokerage executives oppose the strict listing requirement, arguing it limits seller choice.

Most home sellers want to market their homes to the widest possible pool of potential buyers. But a small proportion of sellers, particularly in luxury markets, seek off-market listings to maintain privacy or test their listing prices without having information on price cuts or time on the market visible to all.

Compass, a brokerage that touts its access to off-market listings and whose CEO, Robert Reffkin, opposed Clear Cooperation, advises sellers to consider a “3 Phased Marketing Strategy” that first makes a property available only to Compass agents, then publicly displays it on Compass’s website as a “Coming Soon” property, and finally launches the property on the MLS and third-party listings services.

Under Zillow’s new rules, a property that receives any prolonged marketing to consumers without MLS distribution wouldn’t be eligible to be listed on the site.

Read more at Yahoo Finance

Related Links

If there is a home that you would like more information about, if you are considering selling a property, or if you have questions about the housing market in your neighborhood, please reach out. We’re here to help.

Search Homes in Colorado

Search Homes in North Carolina

Search Homes in Oklahoma