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When you begin to revamp your yard or garden, there comes a time to decide what exactly you’ll be growing. You’ll want plants that are hearty, beautiful and fragrant to grace your yard.
First, you can begin by planting ground-cover roses. These bountiful, low-growing rose varieties can provide plenty of flowers throughout the year. They tend to be very low maintenance and are drought-tolerant as well. They are great for any garden bed or container garden.
Another hearty favorite is red yucca. This plant can survive in high heat and is incredibly strong-willed. It has a bluish-gray, succulent base with long stalks that shoot up near six fee that bear red-ish, tube-shaped flowers. They are virtually guaranteed to catch the eye of any passerby.
Next, you may want to throw in some vining plants. The classic trumpet vine is as tough as nails and fast-growing. Plant this vine near a trellis, fence or any vertical surface, and let it do its thing. Make sure to prune and maintain regularly; otherwise this beauty can be a bit invasive.
Choose Fragrance & Color
For a fragrant eye-catcher, you may want to turn to a classic English lavender. This plant is good for anything from a walkway border to a rock garden. It flowers throughout the end of spring and into summer and has an enchanting fragrance. There are smaller varieties that are good for container planting, as well as larger varieties that can be a beautiful hedge. When you want to add some great evergreen flavor to your garden, you’ll find purple pixie to be an appropriate addition. Purple pixie is great as a dominant ground cover or as an accent in a tall planter. It has spectacular color year-round.
Blanket flowers are a great choice for perennial color, and they attract butterflies to your garden. They also happen to be an incredibly hearty grower and resist rabbits and deer. They also come in a number of different colors, from bright yellow, gold and red hues. A classic friend to any garden.
With this list of hearty, brilliant and fragrant plants, your garden will be the talk of the town. You’ll have beautiful flowers, enchanting smells and spectacular evergreens all around.
If you're looking for loans with excellent interest rates, you may have heard the term USDA bandied about. This special type of loan is attractive on paper, but the reality is a little more complicated than what meets the eye. Learn more about what a USDA loan is meant to do, how to get one, and why the terms are so buyer-friendly.
The Goal of the USDA
The primary goal of a USDA loan is to infuse new life into rural communities. When people flock to cities, it causes rents to rise and small towns to crumble. A USDA loan is a way to entice Americans to renovate old homes and keep abandoned neighborhoods alive. These loans are backed by the government and issued by the lender. Because of the purpose behind the USDA, the applicant is judged more so on their general merits rather than their financial status. As long as the buyer is willing to commit to the property and the surrounding community, they're likely to be approved.
Requirements of the USDA Loan
Here are the key eligibility requirements for a USDA loan:
- Location: The majority of USDA properties will be in rural areas. You'll need to research the homes available under the USDA umbrella before applying for a loan.
- Credit score: The credit score minimum is ambiguous since the USDA loan is based on more than just straight financials. However, those with a credit score of at least 640 typically receive a fast-tracked application. This means fewer questions and underwriting from the lender and a nearly guaranteed approval.
- Down payment: USDA loans don't require a traditional down payment. However, you will need to pay 1% of the loan to the lender if putting down less than 20% of the total loan.
- Fees: There's a .35% fee every year for the entire course of the loan. The .35% is applied to the mortgage balance, meaning it decreases every year.
- Interest rates: The lender sets the interest rates for USDA loans, but they can go as low as 1% in some cases.
- Closing costs: Closing costs are typically between 1 and 3% of the total price of the home.
It's worth noting that some USDA homes are in more populated areas, so you shouldn't assume a property is ineligible until you confirm. If you're unable to secure a USDA loan, you may want to consider an FHA loan. While the terms are not quite as attractive, FHA loans are also backed by the government. This gives people with lower credit scores a way to secure a property at a reasonable interest rate.
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