Interest Rates Update: What Do the Recent Rate Cuts Mean for the Housing Market?

  Last week, the Federal Reserve made headlines by lowering interest rates by 0.5%. But how does this affect the housing market and, more importantly, mortgage rates? Here’s what you need to know: Fed Rate Cuts Don’t Directly Impact Mortgage Rates: While the Fed’s decision gets a lot of attention, mortgage rates aren’t tied directly to the Fed’s actions. Instead, they fluctuate based on other factors, primarily the 10-year Treasury bond. The Market Already Anticipated This Move: In fact, the housing market had already adjusted for this expected cut, and mortgage rates had dropped slightly even before the announcement. Rates Can Still Fluctuate: Mortgage rates can change daily. Even though they’re currently down from last year’s highs, it’s important to stay informed. If you’re thinking about buying or refinancing, now may be a good time to explore your options. Feel free to reach out with any questions! 📲 856-264-8671📧 Scott@zhomesrealestate.com🌐 zhomesrealestate.com Stay informed and make smart decisions in today’s market!

Apple & Pumpkin Picking in South Jersey: Your Guide to the Best Fall Spots

Fall in South Jersey brings the crisp air, colorful leaves, and of course, the perfect time to visit local farms for apple and pumpkin picking. Whether you’re looking for a fun family outing, a date day, or just want to enjoy the season’s bounties, there are plenty of options to explore. Here’s your guide to some of the best places in South Jersey to pick your own apples and pumpkins this fall.   1. Johnson’s Corner Farm Location: 133 Church Rd, Medford, NJ 08055Highlights: Johnson’s Corner Farm is a beloved family destination offering both apple and pumpkin picking. Visitors can enjoy a scenic hayride out to the fields, where a variety of apples, including Honeycrisp, Fuji, and Gala, are ripe for picking. Their pumpkin patch is equally impressive, with a range of sizes perfect for everything from decorating to carving. After picking, head to their market for fresh-baked pies and cider donuts. Don’t forget to check out their barnyard activities and corn maze for a full day of fun. Season: Apple picking runs from early September to mid-October, while pumpkin picking is available from mid-September through October.Pro Tip: Visit on weekdays to avoid weekend crowds and make sure to grab some homemade apple cider!   2. Hill Creek Farms Location: 1631 NJ-45, Mullica Hill, NJ 08062Highlights: Hill Creek Farms is not just about picking—it's a complete fall experience. Their orchard is filled with over 17,000 apple trees, featuring varieties like Pink Lady and Granny Smith. After filling your bag with apples, explore the pumpkin patch, where you can find the perfect pumpkin for any purpose. They also offer a farm-to-table experience at their Barn Cafe and an educational tour of their orchards. Season: Apple and pumpkin picking typically start in mid-September and go through the end of October.Pro Tip: Make a day of it by visiting their farmer’s market, where you’ll find local produce, baked goods, and freshly pressed apple cider.   3. Duffield’s Farm Market Location: 280 Chapel Heights Rd, Sewell, NJ 08080Highlights: A staple in the South Jersey community, Duffield’s Farm Market offers a variety of family-friendly activities, including apple and pumpkin picking, hayrides, and a bakery stocked with seasonal treats. Their pick-your-own options vary by week, so be sure to check their website for the latest availability. Season: Apple picking starts in mid-September, and pumpkin picking kicks off in October.Pro Tip: Head to their bakery after picking for some of the best cider donuts and apple cider around.   4. Mood’s Farm Market Location: 901 Bridgeton Pike, Mullica Hill, NJ 08062Highlights: Known for its wide selection of apple varieties, Mood’s Farm Market is the place to go if you’re a serious apple picker. They grow unique varieties like Mutsu and Stayman Winesap, perfect for those who like a little variety in their apples. The pumpkin patch is equally impressive, offering pumpkins in all shapes, colors, and sizes. Season: Apple picking is available through late September and early October, while pumpkin picking lasts until Halloween.Pro Tip: Bring your own bags or boxes for apples to help with transport, and don’t miss out on their homemade applesauce!   5. Springdale Farms Location: 1638 Springdale Rd, Cherry Hill, NJ 08003Highlights: Conveniently located in Cherry Hill, Springdale Farms is perfect for a quick trip or a casual fall outing. They offer hayrides out to their apple orchard and pumpkin fields, making it easy for families with young children. Be sure to explore their corn maze and grab some local goodies from the market before you leave. Season: Apple picking is available in September, and pumpkin picking starts in early October.Pro Tip: Check their schedule for special events like storytime hayrides and pumpkin painting workshops.   Tips for a Successful Trip: Dress in layers to stay comfortable as the day warms up. Wear boots or shoes that can get muddy, especially after rain. Bring your own bags or containers for apples if the farm allows it. Call ahead or check online to confirm availability, as some varieties may sell out early in the season. Enjoy the best that South Jersey has to offer this fall, and don’t forget to savor the sweet taste of freshly picked apples and pumpkins straight from the patch! 🍎🎃