We just moved in 2025 and left a 2.75% interest rate. We now are at 5.75% (which i know isn't awful), but I'm trying desperately to lower our monthly payments. It went up over $200/month this year for escrow. My home value has dropped below purchasing price. Are there any companies worth looking into for a better rate/monthly payment? Or am I just stuck for now?
Credit score it the mid to high 700s.
I have this tree in my yard that has grown these dark berries. I Google image searched and it looks like it could be a black cherry tree. I want to harvest it and make some fun black cherry recipes, but I want to make sure there isn't anything else poisonous this could be that looks like a black cherry tree.
Am I okay to proceed with baking?
I bought a rain barrel and need to cut my downspout to level it with the top of my rain barrel. I am lost at how to actually go about doing this and didn't know if this is something easy I can do myself or if I should just pay someone to do it for me. Tips on installation/implementation are appreciated!