Real Estate (Farm & Ranch Land)

All American Selections of 2023

All American Selections of 2023 winners are judged on toughness, disease resistance, and uniqueness from many varieties. Here are the vegetable winners:

Starting with Pepper Cayenne Wildcat F1 a cayenne pepper with thicker walls than other varieties. Produces a sweet, smoky flavor with mild heat (around 1000 Scoville units) for those who do not like a truly hot pepper.

Pepper Jalapeno San Joaquin F1 on determinate plants making for a high yield at the same time. They do last a long time on the plant. 50 plus fruits per plant. Thick-walled fruits with 2500 to 6000 Scoville units (a hint of heat). The flesh is dry, sweet, and without fibers.

My favorite winter squash is a kabocha-type, now a new variety came out called Sweet Jade Kabocha Squash. The fruits are a little smaller than the regular type being single servings of 1-2 pounds fruits. Has dry, stringless texture.

Tomato Zenzei F1 is an early maturing Roma-type of tomato. An indeterminate plant that keeps produces a crop to frost. Fewer spotting and blossom end rot compared to other Roma tomatoes.

Watermelon Rubyfirm F1 is a small single-serving fruit the size of a cantaloupe. Very sweet, crisp flesh with few seeds. 2 to 3 fruits per plant.

F1 means first filial generation which is obtained by crossing two different parents to produce a hybrid. Seeds from the fruit can not be replanted because they will revert to the original parents.

Home Buying

Get a Pre-approval Letter Before Buying a Home

Why should you get a pre-approval letter before buying a home from a bank or lender?

  1. The lender will view various documents like taxes (2 years), proof of employment, proof of income (W-2 forms, pay stubs), residence, and debt-to-income ratio to see your borrowing capability.
  2. The bank will go over various mortgage options to best suit your needs.
  3. When everything is done, you will have a picture of how much money you can mortgage on a new home.
  4. Now you have flexibility. Maybe the house you like is below your buying limit and you can do it yourself some things to make it your true dream home.
  5. Some sellers want to see a pre-approval letter before considering an offer.

In most cases getting pre-approved take 1-3 days. There is a time limit with a pre-approval letter which is 30 to 90 days. Your bank will fill in the details. During this process, you do not want to acquire any loans for a vehicle, change jobs, or put big purchases on a credit card.

For more information, click on our website below: Winner Realtor & Winner SD Auction Buying Info | Shippy Realty | Winner, SD

Home Buying

Time to Look at Houses to Buy

We have discussed the advantages of getting pre-approved from your lending institution. Now you have a starting point for looking at homes. Next, find a Realtor® to fine-tune your options and to find that home of your dreams and walk you through the process. Now it is time to look at houses to buy.

Then write down the must-haves you need remembering you most likely will be in the home for the next 20 to 30 years. How many bedrooms and bathrooms do you need? Do you want a big backyard for kids or dogs? Do you cook a lot where the kitchen is important? Do you entertain, where you would want a back, shaded deck? Do you want an attached garage and are the doors tall enough? Write these must-haves down.

Now we can start looking at houses. If your dream house is painted inside with horrible colors, do not overlook it. Most people repaint. Paint is the cheapest, fastest way to change the look of a home. If the house does not have some of your must-haves like a fenced-in backyard, could you fence the yard in yourself? The windows should be replaced but can you live with them for a few years before replacing them or do a few at a time?

If the house does not have central air-conditioning, can you add one? Does it have ductwork for it? Maybe try a mini-splitter? As you can see, many issues come with looking at a house and that is why a real estate professional comes in handy.

Even with the interest rates being high, home values have leveled off offsetting the higher interest rates.

More information can be found on our website, click the link below for more information: Winner Realtor & Winner SD Auction Buying Info | Shippy Realty | Winner, SD

Next week: inspections.