8 Common Plants That Can Actually Cause Damage to Your Property

 
 

When it comes to landscaping around your home, it’s easy to focus all your attention (and money) on the pretty stuff. After all, the addition of lush greenery, colorful blooms, and sprawling trees is the quickest way to transform a bland yard into an outdoor oasis—not to mention, plants can be a great way to increase your curb appeal and home value.

The only issue? Some of your selections may actually be putting your home at risk. As much as we love the visual interest and aesthetic charm plants can bring to a landscape, what you choose to grow around your home can have a big impact on both its structure and its safety. That picture-perfect pear tree or tidy ground cover might seem innocent enough, but plants that have sneaky roots, aggressive growth habits, or compromised structures can all cause problems down the line.

Whether you're starting from scratch or rethinking your current landscape, being mindful about placement and plant type can save you a lot of stress and money in the long run, helping you to avoid big-ticket mishaps like blocked gutters, cracked foundations, or wrecked roofs. Below, we’re taking a closer look at the trees and plants you should think twice about planting close to your home.

What to Consider When Planting Your Landscape

According to the pros, deciding what to plant around your house isn’t always about choosing between a “bad” or “good” plant. Instead, you have to take a more holistic look at your selections to determine if your choice is the right pick for both your landscape and your house.

“Any plant can be a problem if planted in a location that does not meet its needs,” says Cynthia Domenghini, PhD, an expert in consumer horticulture at Kansas State University. “This includes a location that is too small to accommodate the mature size of a plant. It’s important not to choose a plant without first doing your research. Know the site conditions and choose a plant that fits into that environment.”

Here are a few factors to consider before planting anything in the ground:

Distance

One of the most important things to consider when planting around your home is the distance a specimen is from the exterior of your house. “As a general rule of thumb, we always plant outside the drip line of the house for any plant,” says landscape designer Susan Calhoun of Plantswoman Design. “This helps plants survive with any rainwater that is available as well as any watering that the owner provided. If there is no roof overhang, we would plant at the mature size distance from the house plus two feet.” When you plant closer than recommended to the side of your home, you run the risk of disrupting your home’s foundation or having to severely prune a shrub or tree in order to keep it small enough to “fit” in your chosen location.

Mature Size

One issue many home gardeners run into when landscaping? Planing for the size of the plant now versus how big it will grow. “Be sure to learn the mature size of any plant, but particularly trees and shrubs, then match the size of the plant to the available growing space,” suggests Darya Barar, a managing consulting urban forester and arborist with Bartlett Tree Experts. “Large trees planted in small sites, close to a house, or in constrained planting areas, will eventually outgrow the space and likely disrupt adjacent areas. As a general suggestion, don’t plant a medium or large tree closer than 20 feet of a home; shrubs should be at least 3 or 4 feet from a structure."

Growth Habit

You shouldn't only consider how big a plant grows, but also how it grows in general. Plants that tend to have disruptive roots, or those that will vine and climb anything within a 10-foot radius are best skipped. “If tree branches grow and overhang a home, litter from falling leaves, fruit and other plant parts will accumulate on roofs and in gutters,” says Barar. “Likewise, vines such as English and Boston ivies may attach themselves to the sides of a structure which will damage the surface.”

Flammability

If you don’t live in an area prone to wild fires, you may think the flammability of a plant is not something you have to worry about—but you’d be wrong. More and more, pros are cautioning homeowners to consider the ramifications of the plants they choose and what they might mean for protecting your home from fires. “We’re seeing an increase in wildfire frequency and severity in recent years as the wildland urban interface (WUI) grows, temperatures warm and droughts are longer and more common,” explains JP McDonnell, a registered consulting arborist with SavATree Consulting Group. “With that has come increasing attention to defensible space management. There are several management zones around a home with recommended tactics to reduce risk of wildfire damage to your property. You can always refer to Firewise USA or local regulations for specific guidance."

8 Plants to Avoid Growing Near Your Home

While you should always be mindful of what you plant in your landscape—and where you plant it—below are the plants experts caution against the most.

English Ivy

Creeping vines, like English ivy, can be notoriously difficult to control, often climbing up nearby structures and compromising the structural integrity. “If [English ivy] is grown near trees, it will likely climb up them," says Domenghini. "The extra weight of the ivy plants can cause tree branches to break, which creates a risk. It's important to know a plant such as this tends to grow quickly, so choosing a suitable location for it to be able to grow and spread without causing problems is essential."

Tree-of-Heaven

A good rule of thumb? Stay away from any plants known to be invasive—they’re often blacklisted for good reason. “If I were to caution homeowners against planting one type of tree or plant, it would be any species known to be invasive,” says Barar. “These species can outcompete native plants, disrupt ecosystems, and degrade landscapes. Examples include tree-of-heaven and purpleleaf plum, which have caused ecological issues across the country. I always recommend checking with local experts or extension services to identify which species are considered invasive in your area.”

Callery (Bradford) Pear

Once the landscape tree du jour in planned communities and suburban centers, bradford pear trees have fallen vastly out of favor due to their structural unpredictability (not to mention their smelly flowers). “This tree is non-native and highly invasive,” says McDonnell. “It can outcompete native vegetation in your yard, and it typically grows with poor branch structure, making it susceptible to failure during storms. Several states have even banned the tree and are working to eradicate it.”

Cherry Blossom Tree

While there’s no denying their beauty, cherry trees are not built for every landscape, especially if you don’t have a lot of lawn to let them sprawl freely. “The roots of a pink cherry tree will seek out water, causing them to clog drainage systems, septic systems, and even irrigation systems,” says Calhoun.

Japanese Forest Grass

Just because a plant or tree isn’t wreaking havoc above ground doesn’t mean everything is dandy below the surface. “Grasses with running root systems can be a bit problem,” says Calhoun. “Japanese forest grass, ribbon grass, and Japanese blood grass all have running root systems, which can become invasive and overrun pathways, driveways and patio areas. They’ll also seek out water sources and clog systems, including the downspout curtain drains, around your foundation.”

Silver Maple Trees

Maple trees are a coveted landscape specimen, thanks in large part to their sprawling size and colorful fall foliage. That said, they’re not the best option for nearby a house, especially if you live in a storm-prone area. “Silver maple trees are notorious for weak wood that’s susceptible to decay and storm failure,” says McDonnell. “The root systems from these trees can also damage sewer lines and cause cracks to develop in sidewalks and driveways,” adds Dr. Domenghini.

Trumpet Creeper

If a plant you’re shopping for has “creeper” or “crawler” in the name, proceed with caution. While many of these plant types can be used successfully as ground cover, you’ll want to keep a close eye on them as they develop. “Trumpet creeper is a vine that’s commonly planted for its showy flowers, but it’s classified as an invasive weed by USDA in certain regions,” explains McDonnell. “It can easily spread through aerial rootlets and climb structures on residential properties, infiltrating siding, gutters, and downspouts and potentially damaging or weakening mortar joints.”

Conifer Trees

Sure, cutting down a Christmas tree from your own yard sounds dreamy—until you consider how much chaos conifer trees can create. “Most full-sized evergreen conifers should not be planted close to the home,” says Calhoun. “These are better suited to forest situations and viewing from a distance. They can be fire hazard because they burn quickly, the roots can reach to the foundation and cause problems there. Needles from the trees will clog gutters and could cause rot in the siding and facias if not removed regularly.”

Read more at Real Simple

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Fannie Mae lowers forecasts for mortgage rates, home-price growth

 
 

Mortgage rates are expected to end 2025 at 6.4% and 2026 at 6% — downward revisions compared with last month’s forecast figures of 6.5% and 6.1%. That’s according to the July 2025 Economic and Housing Outlook released Thursday by Fannie Mae‘s Economic and Strategic Research (ESR) Group.

The ESR Group also updated its home-price growth forecast and now projects annual price appreciation of 2.8% in 2025 and 1.1% in 2026. These are also downward revisions compared with the previously projected figures of 4.1% and 2%.

Home sales are forecast at 4.85 million units in 2025 and 5.35 million units in 2026 — each of which represent upward revisions from June.

The ESR Group revised its real gross domestic product (GDP) growth outlook for 2025 and 2026 to 1.3% and 2.3%, respectively, down from estimates of 1.4% and 2.2% in its prior forecast.

It also expects the Consumer Price Index (CPI) to rise 3% year over year in 2025, down from 3.2% in its June forecast. The outlook for 2026 is 2.7%, down from 2.8% previously. Core CPI — which excludes volatile goods like food and energy — is expected to rise 3.2% this year (down from 3.3% previously) and 2.7% in 2026 (unchanged from the prior forecast).

Lastly, the group now projects mortgage origination volume to rise to $1.92 trillion and $2.34 trillion, respectively, in 2025 and 2026. The previously estimated figures were $1.9 trillion and $2.28 trillion.

Read more at Housingwire

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What homebuyers should do before rate cuts, according to mortgage experts

 
 

Whether you're buying a new home or considering mortgage refinancing, the main question is the same right now: When will rates drop? The interest rate environment has remained elevated across various lending products, after all, as the Federal Reserve has maintained the federal funds rate this year to lower the inflation rate.

As a benchmark interest rate, the federal funds rate has a major impact on rates for borrowers, and that includes the cost of borrowing money to buy or refinance a home. If there are rate cuts or rate spikes, interest rate changes are likely to follow. So, while not directly tied to mortgage rates, the Fed's decisions have a ripple effect and can influence the direction of where home loan rates head next.

The Federal Reserve is meeting again later this month, but the CME Group FedWatch tool indicates that experts believe it's unlikely that rate cuts will occur when the Fed meets at that time. On the other hand, the tool shows higher chances of rate cuts in September, October and December, which could potentially lead to a drop in mortgage interest rates, and homebuyers who want to take advantage of these rate cuts can do several things now to put themselves in a solid position.

What homebuyers should do before rate cuts, mortgage experts say

Before taking any action, it's important to understand the relationship between the Federal Reserve and mortgage rates.

"When the Fed lowers rates, it directly reduces the prime rate, which means rates on HELOCs, car loans, and credit cards typically go down. Mortgage rates don't move exactly with Fed cuts, but those cuts, and the Fed's economic guidance, impact the bond market, which ultimately drives mortgage rates," says Jill Carrade, a mortgage broker at Pro Mortgage.

So while the Fed rate can impact mortgage rates, the two aren't directly correlated. But in anticipation of rate cuts that may occur later this year, here's what potential borrowers should do now.

Do your research

The real estate market has a learning curve for new borrowers. You want to understand the different terms you might come across, know about potential fees, and review your budget. The last thing you want to do is rush into something as significant as homeownership.

"The biggest thing that someone should do is get prepared…Sit down and talk to somebody and say, 'Well, what does it take to get a mortgage? What do I need to do? Are there things I can prepare for?' And that's going to involve a review of your income versus your bills, and in this case, a good mortgage professional is going to help people with budgeting," says Mark Worthington, a loan officer and branch manager at Churchill Mortgage.

Starting your research now, ahead of any rate cuts, can put you in a stronger position to act when the time is right.

"I think it's also important to note that my perspective is that we won't see any major swings in terms of rates before at least the end of the year, but that just makes it more important to be sort of all ready to go when you find the right property, so you can be ready to act in case you catch a dip," says Sarah DeFlorio, the vice president of mortgage banking at William Raveis Mortgage.

Improve your credit score

Your credit score is one of the many factors that lenders look at when determining home loan rates. Putting in the effort to improve your credit score can help you in both the short term and the long term.

"A higher credit score typically gets better interest rates, which for the same sales price of a home, is a lower payment," says Worthington.

Various factors affect your credit score and carry different weights. However, payment history is one of the most significant, so making on-time payments is crucial. But it's not just making payments by the due date that matters. How much you owe relative to your total credit limit — often referred to as credit utilization — accounts for about 30% of your credit score.

DeFlorio suggests that you pay down any balances you're carrying. While that may not be a possibility for everyone, if it is, it could help.

For the best results, it makes sense to pay off your credit card balances by the due date. But paying off your balances before the statement date could be even more beneficial.

"The trick is you actually pay down the balance so that the statement gets issued at a 0 balance. And then that's the information that gets reported," says DeFlorio.

Additionally, Worthington says to avoid applying for new credit before applying for a mortgage, which could lead to a drop in your credit score.

Look at loan features

According to data from Freddie Mac, mortgage rates on a 30-year fixed-rate mortgage dipped five weeks in a row, but recently ticked up slightly, coming in at 6.72% as of July 10th.

While looking at mortgage interest rates is an important part of your research, DeFlorio suggests looking at different loan features as well.

"We're not going to see too much of a variation in rates for the next few months, but loan features vary from bank to bank. So, for example, what is the bank's float down policy, if they have one? Which would mean, if once you're locked, you may have the ability to get a lower rate if the market shifts in that direction," says DeFlorio.

Find the right home

The mortgage experts we spoke to agreed that finding the right home is generally more important than timing the market. While rate cuts can help, you don't want to miss out on your dream home waiting for the perfect moment.

"When rates drop, many buyers who have been waiting on the sidelines tend to jump back into the market all at once. That increased competition can drive home prices higher and lead to bidding wars. Even if you get a lower rate, you might end up paying more for the home itself. It's important to weigh those trade-offs when deciding on your timing," says Carrade.

Getting into real estate and taking out a mortgage is essentially entering a long-term relationship. When you find the right fit, you can work with a professional to help figure it all out.

"The biggest recommendation is to find the right house. With the right house, your mortgage professional can help find you the best mortgage," says Worthington.

The bottom line

If you're waiting for interest rate cuts to buy a home, you may want to take the steps outlined above to prepare. Doing your research, preparing your finances and improving your credit can help. So when it's time to submit a mortgage application, you're in the best position possible. Working with mortgage brokers who can assist you in the homebuying process can also be a valuable resource. The key is to find the right home for you and a mortgage that fits your budget, regardless of where mortgage interest rates are.

Read more at CBS News

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The Advice First-Time Homebuyers Need To Hear

 
 

Buying your first home is a big milestone – and the right support is going to make it a whole lot easier.

Because while this process might be brand new to you, it’s not new to your agent. They’ve helped plenty of first-time buyers through it. They know what works, what actually matters, and how you can move through the process with a lot less guesswork.

Here are a few real-world tips based on that experience of helping other first-time buyers.

Tip #1: Get Pre-Approved First

Rocket Mortgage says this is one of the most common mistakes first-time buyers make. And it’s easy to see why. Looking at homes online is fun. But doing it before you know your numbers? That’s risky. You don’t want to fall in love with a house that’s way outside of your financial comfort zone. That’s a fast track for getting frustrated.

Instead, find your agent and talk to a lender early – before looking at any houses. With your lender’s help, you’ll be able to get pre-approved for your home loan. That’ll give you a better idea of what you’ll be able to borrow. And it helps you set a realistic budget. Then, your agent will be able to make you a customized list of homes, so you’re only seeing what’ll work for what you can spend. More clarity, less frustration.

Tip #2: Set a Budget and Stick To It

Remember, just because you can borrow up to a certain amount, chances are you won’t want to max that number out. It’s really important to avoid overextending your budget, especially in today’s market. Other housing expenses like home insurance, homeowners association (HOA) fees, and taxes are on the rise, and you need to factor those in. Bankrate offers this advice:

“When you’re building a budget to narrow your search for properties, don’t just think about how much house you can afford, but how much in recurring costs you can handle once you’ve purchased your home.”

So, lean on the pros for advice on expenses you may not be thinking of, so you can work them into your budget.

Tip #3: Don’t Skip the Inspection

When you find the right home, it’s easy to get caught up in the excitement. But skipping the inspection just to make your offer look stronger is a gamble that could cost you.

Instead, work with your agent to schedule a real inspection. They’ll connect you with local pros, make sure it’s booked, and help you understand the results so you can negotiate repairs or ask for money off at closing, if needed. It’s better to invest in this time up front to avoid what could be thousands in surprise repairs later.

Tip #4: Your First Home Doesn’t Have To Be Your Forever Home

For a lot of buyers, this is where unnecessary pressure creeps in. But remember, you don’t have to land your dream home right out of the gate. That’s why it’s called a starter home. It’s a starting point, not your final destination.

An agent will help you explore all your options, including ones you may not have thought about. For example, a well-kept condo, a townhouse in a great location, or a house with good bones can be a perfect first step into homeownership. The goal? Get in. Start building equity. Then, grow from there.

Bottom Line

Buying your first place is a big step, but it doesn’t have to feel like a step in the dark. Talk to an agent about where you’re starting from, what’s stressing you out (or holding you back), and what you actually need to know.

Read more at Keeping Current Matters

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5 Mental Habits That Could Be Sabotaging Your Decluttering Goals

 
 

You’ve probably heard the expression, “Messy mind, messy house.” When life gets busy or stress creeps in, keeping a clean and tidy home can feel nearly impossible. No matter how often you try to declutter, things never seem to stay neat, and that only adds to the frustration.

If you’re stuck in this cycle, know that breaking free isn’t as difficult as it seems. Once you understand what’s triggering your stress, it becomes much easier to manage both your mindset and your mess.

Here are five mental habits that may be keeping your home cluttered—and how to fix them.

Being in Survival Mode

According to Olivia Howell, certified life and success coach, clinical hypnotherapist, CEO, and co-founder of Fresh Starts Registry, being overwhelmed or in survival mode—especially for an extended period—can cause your home to become cluttered and messy. “Many people keep their homes cluttered because their nervous systems are overloaded. When we’re in survival mode, making decisions about what to keep, toss, or organize feels like too much," she says. "So things pile up—not because someone is lazy or messy, but because their brain is prioritizing safety and energy conservation.”

So, if you're going through a challenging period, try to practice self-care or another stress relief technique. It could be therapy, exercise, a new hobby, or even just taking an hour to treat yourself to something nice, like a massage. You might just find your home gets tidier as a result of the reduced mental load.

Tying Your Identity or Worth to Your Belongings

It can be easy to tie your identity to your belongings, especially in today’s world. After all, we’d be lying if we said that wearing a certain outfit or carrying a certain bag didn’t make us feel a particular way.

It's also common to accumulate things to make us feel safe. However, all of this can end up being problematic, explains Howell. “We also tend to hold onto things because we’re subconsciously afraid of scarcity," she says. "Keeping items just in case becomes a way to self-soothe, even if it adds to the chaos.”

To make the shift, she suggests working on yourself—or the “inner story,” as opposed to your physical space. “We always ask clients to gently notice what emotion comes up when they try to declutter: Is it fear? Grief? Naming the feeling gives it less power. Then, we work on rewiring the belief underneath—like replacing ‘I might need this someday’ with ‘I trust that I’ll have what I need when I need it.’”

Always Feeling Guilty

Guilt can be an overwhelming emotion that causes both mental and physical clutter, Shantae Duckworth, professional organizer and founder of Shantaeize Your Space, tells me. “Holding onto gifts, heirlooms, or expensive purchases out of obligation, even when they no longer serve a purpose.”

To minimize this emotion, she advises donating things. “Treating a donation bin near the door as a visual reminder, and using date-labeled post-its to track whether items are actually being used.”

Experiencing guilt can also be a result of how you were parented, adds Nicole Gabai, founder of B Organized, and a professional organizer with over 20 years of experience. “For this, I encourage people to seek out new ways of doing things if the current approach is no longer working for them," she says. "I suggest prioritizing what really supports your current life and values.”

Having an All or Nothing Attitude

All-or-nothing thinking can be a major factor when it comes to having a cluttered home. Many of us think that if every room of our home can’t be organized, then why bother at all? But a clean pantry and an organized bathroom are better than nothing, explains Gabai. “I see all-or-nothing thinking where you believe you can't even start the project unless it's completed perfectly in one day. I suggest that even chipping away at a project for 10 minutes a day or 10 minutes a week eventually gets it done, and no, it doesn't have to be perfect.”

Decision Fatigue

Having decision fatigue can contribute to a cluttered home. “This is what happens when you put off making numerous small decisions about where things go or what task is needed,” says Gabai. “To this, I suggest also trusting yourself to make quick decisions that are good enough. You might identify closely with things that you've collected over the years, or out of obligation to heirloom objects that you may not like or use at all. This is where you can shift your thinking to recognize that the gift served its purpose when it was given, and it's okay to let it go.”

The pro organizer recommends the same approach when it comes to sentimental objects. “It's always a matter of quantity," Gabai says. "You can save a couple of pieces that are special and photograph the rest, making it easier to part with them.”

Read more at Real Simple

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