Learning the lingo of home buying is an important part of feeling successful when buying a home.  From APR to P&I, you need to know the acronyms that will come up along the way, and what they mean when you hear them.  
We are here to help you feel informed from start to finish, so here's a quick 'Home Buying Acronyms 101' lesson to increase your home buying confidence!

5 Home Buying Acronyms You Need To Know
APR (Annual Percentage Rate)
Annual cost of borrowing money based on the loan amount, interest rate, and certain other fees.
FRM (Fixed-Rate Mortgage)
Interest rate that doesn't change during the entire term of your loan.
DTI (Debt-to-Income)
Percentage of your monthly income that goes toward your monthly debt payments.
PMI (Private Mortgage Insurance)
Insurance that protects lenders from losses if a homeowner is unable to pay their mortgage. It's required for homebuyers who make down payments less than 20% of the home purchase price.
P&I (Prin! ...

(Image credit: Lark & Linen)

You might have heard she was voted 'Best Residential Real Estate Agent' in Eastern Jackson County the last three years in a row, but did you know our broker Amy Arndorfer has barista skills, too?  
Basic or not, Amy knows that when autumn rolls around, many of us dream of enjoying a tasty pumpkin spice latte from our favorite coffee shop.  She also knows it can be expensive to support that habit, so Amy's sharing a Pumpkin Spice Latte recipe with us.  Now, we can make our own how we want, when we want, and save some money.  Thanks for thinking of us, Amy!

Amy's Pumpkin Spice Latte
Ingredients
2 tablespoons pumpkin puree (canned or fresh)
1/2 teaspoon pumpkin pie spice, plus a bit for the garnish
Freshly ground black pepper 
2 tablespoons granulated sugar (or more or less, to taste)
2 tablespoons vanilla extract
2 cups whole milk
1 or 2 shots espresso (about a quarter cup) or 1/3 to 1/2 cup of very strong bl! ...

Yes, doormats get dirty and walked on.  But who says they have to be boring?  
We've compiled a list of 10 fall-tactic doormats that are sure to make a statement for your autumn guests.  Which is your favorite?
1. 

(Get one here!)
2. 

(Get one here!)
3. 

(Get one here!)
4. 

(Get one here!)
5. 

(Get one here!)
6. 

(Get one here!)
7. 

(Get one here!)
8. 

(Get one here!)
9. 

(Get one here!)
10. 

(Get one here!) ...

(Photo credits) 
We've waited so long for these cooler temps and they've finally arrived!  When this type of weather rolls in, the space heaters roll out, so we thought we should refresh our memories of a particular safety precaution...
Space heaters and power strips DON'T MIX!  
The Umatilla County Fire District in Oregon posted this warning on their Facebook page:
"The weather is getting colder and people are pulling out their space heaters. We just wanted to remind you that you should NEVER plug a heater into a power strip. These units are not designed to handle the high current flow needed for a space heater and can overheat or even catch fire due to the added energy flow."
Good to know.
The Electrical Safety Foundation International says heating equipment is the second leading cause of home fires in the U.S. with more than 65,000 fires being attributed to them each year. The ESFI reports the fires result in hundreds of deaths, thousands of injuries! ...

Today, our favorite German, Mandy Jones, is sharing with us this wonderful - AND EASY - recipe from her homeland!  It's a household favorite for the Jones family.
Mandy says "My family loves having this for breakfast!  It's very fast, easy, and you can add cinnamon or nutmeg to it for the fall and winter seasons.  I typically make mine in a 9x13 pan.  Traditionally, Germans don't bake it in the oven, but on the stove top.  It turns out a little thicker than a crepe, but a little thinner than your typical pancake.  I hope you enjoy it!”
Here at Premium Realty Group, we LOVE recipes that include phrases like "5 minutes of prep with ingredients you have on hand, and totally doable even for the busiest families." 
Yep.  Right up our alley.  Thanks for making our lives a little easier, Mandy!

German Pancakes

Ingredients
  1/2 cup all purpose flour
  3 eggs
  1/2 cup milk
  3 tablespoons melted butte) ...