Thursday, December 11, 2025

The Effects of Tree Inequity on a Home

America has a tree problem. It may not be obvious, but as it turns out, trees are unevenly distributed, a situation known as tree inequity. Urban areas have fewer trees, while suburban areas have more trees. Although these different environments lend themselves to varying amounts of tree cover, the lack of trees in urban centers is harming people in many ways.

The Roots of Urban Heat Islands

Heat islands are areas where the temperature consistently exceeds that of the surrounding areas. This is generally due to an abundance of impervious surfaces, like concrete, brick and asphalt, that absorb heat and then radiate it back after dark. It seems obvious that no one would want this, especially in the summer, but there are deep historical and structural reasons that heat islands persist today.

“The main reason that tree cover is so unequal in the U.S. has to do with where we live,” says Robert McDonald, lead scientist for nature-based solutions at The Nature Conservancy. “Low-income neighborhoods have about 15% less tree cover on average than high-income neighborhoods and are about three degrees Fahrenheit hotter on average. Ninety-two percent of US communities have this pattern where high income neighborhoods have more tree cover than low income neighborhoods.” This is often due to neighborhood design and population density, McDonald explains.

“Most low-income households and most households of color live in the urban center, and more wealthy households have tended to move out to suburban settings. When you're in a suburban setting, you have a lawn, it might have some tree cover, and you're just settled less densely, whereas when you're in a city center, you're often in apartment buildings. There's more pavement nearby, so there's less green and there's more heat, because there's more pavement that's absorbing the energy from the sun.” Urban versus suburban areas are a structural reason for heat islands to exist, but researchers have been curious about the actual roots of these heat islands and have been comparing them to maps of traditionally redlined neighborhoods. Stephen Fong, a professor of chemical and life science engineering at Virginia Commonwealth University in Richmond, Virginia, and his team, for example, went street by street in Richmond, mapping heat islands that they later compared to historical maps. “You can see which areas were redlined and which weren't historically,” says Fong. “To me, one of the most eye-opening things was that you see that these policies that are 100 years old still have an impact today.”

What’s the Problem With Tree Inequity?

Although it can be argued that real estate prices are influenced by the presence or absence of tree cover and green space, larger functional issues are at play when it comes to tree inequity. Trees cure, or contribute to improving, several issues facing modern humans simultaneously.

“Trees cool primarily by shading impervious surfaces so they're preventing that pavement from absorbing the sun,” says McDonald. “They also cool because they transpire water. So just like on a hot day when you sweat, and the sweat evaporates off you, making you feel cooler, trees transpire water. That's about equally as important for cooling. There's also interesting work on how trees regulate air quality, they can help reduce particulate matter.”

However, it’s not just air quality or the heat island effect that trees can improve – they have actually been shown to enhance both physical and mental health, contributing to a sense of well-being for people. “When you ask people to think about some place that's peaceful and calm and quieting, that they can just center themselves and be away from the bustle of life, most of the time, people think of something that is quiet in nature,” says Michael Austin, senior associate with urban design firm Cooper Robertson in New York City. “A lot of people would think about a forest or a tree. It's just actually a mental relief, too, to be surrounded by trees.”

Solving the Problem of Tree Inequity

If trees are so beneficial to humans, shouldn’t it be as simple as having every person plant a few to improve the quality of life for everyone? Someone has to pay for the trees and commit to their upkeep, which requires major long-term investment. Unfortunately, simply planting trees doesn’t address some of the larger structural and socioeconomic problems that go hand-in-hand with urban heat islands.

“Even if there's an investment in an area that's typically been depressed or economically impoverished – you hear about the gentrification of certain neighborhoods – then it can actually push out the people that were living there because they can't afford to live there any longer,” says Fong. “Even for those that are well-intentioned, there are secondary unintended consequences.”

How does a municipality approach tree inequity without displacing residents who should benefit? Getting affected neighborhoods involved is a first step. “When it comes to residential communities, the first thing I would always ask is ‘Has anyone talked to the community?’” says Austin. “It’s important to ask questions like: ‘What does the community want? What are their goals and what are their concerns?’ Is it a concern that if we start to do a tree planting strategy that may improve the quality of life, will it increase the risk of displacement? Does it lead to increasing affordability, or increasing land value and decreasing affordability?


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Monday, December 8, 2025

Tips for Buying a Home During the Holidays

If you do opt to buy a home during the holiday season, real estate pros say there are a few strategies that can make your journey easier.

1. Enlist a good agent.

Having a good agent on your side is critical during any point in the year – but it’s particularly important around the holidays. First and foremost, you’ll want one who’s experienced and well-connected in your area.

“Fewer houses are often listed from Halloween to the New Year,” says Jon Sanborn, co-founder of real estate investment company SD House Guys in Philadelphia, Pennsylvania. “You will need someone to find those key properties and utilize their network.”

Choosing an agent who has colleagues you can lean on is wise, too. As Bennett explains, “I would recommend working with a brokerage that has several agents on staff. That will ensure that your search does not need to slow down, even as agents take time off to be with their families.”

2. Get preapproved.

You should also get preapproved for your mortgage. This gives you an accurate idea of what price you should be shopping in and also helps you act fast when it’s time to make an offer.

“If you see the right house, that will help your agent make an offer regardless of the day,” Bennett says. “You won’t need to spend time tracking down various stakeholders over the holidays.”

Getting preapproved can also help you in a rising-rate market, when you may need to make budget adjustments quickly.

“The most important step that a buyer can take to ensure a smooth transaction is to get preapproved for a mortgage loan,” Budnick says. “With interest rates changing rapidly, it will be important to understand how much home you qualify for and what it will mean to your buying power if rates increase during your home search.”

3. Plan ahead.

When buying during the holidays, you can expect to encounter some absences. Maybe your agent will leave to visit family, or you have a vacation planned as well.

“Right as you enter the Thanksgiving holiday, people's minds are in full holiday swing,” says Christian Ross, managing broker at Engel & Völkers in Atlanta, Georgia. “People aren't taking two days off; they are taking a week off. Make sure you have additional points of contact so you can get any questions or concerns answered in a timely manner.” You should also line up other professionals early on in case they have other plans, too. This might include cleaners, painters, moving companies and, most importantly, a home inspector.

“Keep a home inspector on notice the closer you get to landing your dream home,” says Christa Kenin, an agent with Douglas Elliman in Connecticut. “A delayed inspection can hold up your mortgage process and will frustrate the seller.”

4. Know the seller and be aggressive.

Since demand is down this time of year, agents say buyers have leverage – leverage they should use to get the best deal possible.

“Sellers would much prefer to unload a home before winter arrives,” Kenin says. “Buyers can capitalize on this anxiety. I encourage my holiday house hunters to aggressively negotiate the closer we get to the holidays.” To help in those negotiations, work with your agent to understand the seller and their motivations for selling. As Budnick puts it, “Determine the seller’s hot buttons. Are there things that are important to the seller that don’t matter to you? If so, use them to your favor during negotiations.”

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Friday, December 5, 2025

Home Loan Alternative Documentation

Whether you are a business owner or have a unique financial situation, we can help. Using bank statements and other non-traditional documents we can help you get  the home of your dreams.

Give us a call or contact us today to see what we can do.

Phone: 916-847-3090

1350 Old Bayshore Hwy Ste. 520

Burlingame,  CA  94010

NMLS ID 394275 | DRE ID 01769353


Tuesday, December 2, 2025

Your Home Readiness Checklist

Tips from Margeate Work to Help You Enjoy a Cozy, Stress-Free Season

The holidays are the perfect time to make your home shine — both for guests and for your own peace of mind. Whether you’re hosting family, decorating for the season, or just enjoying quiet time at home, here’s a simple checklist to help you get ready:

Home Comfort & Maintenance

  • Check your heating system and replace filters before the cold sets in
  • Test smoke and carbon monoxide detectors
  • Clean out gutters and downspouts to prevent winter clogs
  • Seal windows and doors to keep warmth in and energy bills low
  • Schedule any small repairs you’ve been putting off

Decor & Ambiance

  • Give high-traffic areas a quick refresh — entryway, guest rooms, living room
  • Add cozy touches: blankets, warm lighting, and seasonal scents
  • Decorate safely — keep cords secure and avoid overloading outlets
  • Set out a few “signature” decorations that make your home feel personal and welcoming

Guest & Gathering Prep

  • Deep clean kitchen appliances (especially the oven and fridge)
  • Stock up on essentials — paper goods, cleaning supplies, and baking staples
  • Prepare guest spaces with fresh linens and little comforts
  • Make room for extra coats, shoes, and gifts

End-of-Year Homeowner To-Dos

  • Review your mortgage and home equity options before year-end
  • Save receipts for any home improvements (they can help at tax time!)
  • Start a list of goals for your home in 2026 — remodels, upgrades, or a possible move

A little preparation now means more time to enjoy what matters most — good food, good company, and the comfort of home.

NMLS ID 394275 | DRE ID 01769353


Saturday, November 29, 2025

Let's Make Sure Your Home Loan Still Fits You

As we approach the end of the year, I always like to remind my clients — now’s the perfect time to take a fresh look at your home financing. Whether you’re thinking about buying, refinancing, or using your home’s equity for a renovation or debt consolidation, I’m here to help you make smart, confident decisions.

With rates and programs constantly changing, a quick year-end mortgage review can help you:

  • Lower your monthly payments
  • Unlock equity for upcoming goals
  • Start the new year financially strong and secure

Let’s connect before year-end to make sure your mortgage still fits your life and your goals for 2026.

Reach out today to schedule your complimentary loan review or pre-approval consultation — I’d love to help you finish the year strong!  Contact us today: 916-847-3090

NMLS ID 394275 | DRE ID 01769353



Wednesday, November 26, 2025

Happy Thanksgiving!

 


Happy Thanksgiving from Work and Associates Home Loans.
We are so thankful you for you! Hope you have a safe and healthy holiday.

Work and Associates Home Loans
Phone: 916-847-3090
1350 Old Bayshore Hwy Ste. 520
Burlingame,  CA  94010
margeate@workhomeloans.com

NMLS ID 394275 | DRE ID 01769353



Sunday, November 23, 2025

3 Ways to Take Advantage of your Home’s Equity

Three common ways to take advantage of your equity;

 1.) Refinance with cash out

Refinancing with cash out involves taking out a new mortgage for the current value of your house to pay off your old mortgage and giving you “cash” back for the amount you have in equity. Most lenders require that you maintain a certain amount of equity in your home (usually up to 20% of the value). In rising interest rate environments, this type of loan is not as favorable as other home equity products because higher interest rates + higher mortgage means higher payments. Not to mention, if you obtained a mortgage in the last several years, there’s a good chance you already have a historically low-interest rate.

2.) Home equity loan

A home equity loan is a loan that is taken out against the equity you have in your home. In essence, your home is the collateral for the loan. The loan money is paid in one lump sum, usually has a fixed rate, and a fixed term for payback (usually 5-30 years). With the fixed amount borrowed, fixed rate and fixed term for payback, payments are the same each month throughout the life of the loan. Home equity loans are ideal for homeowners who have one big project or know up front the expenses that will need to be paid.

3.) Home equity line of credit (HELOC)

HELOCs are like home equity loans in the way the amount that could be borrowed is calculated. The main differences are that HELOCs most often have a variable rate, a dedicated draw period (the period of time, usually 5-10 years, where you can withdraw HELOC funds), and a dedicated repayment period (usually 10-15 years). With a HELOC, you withdraw money as you use it and pay interest only on the money borrowed (like a credit card). This type of loan is generally favored for homeowners who have multiple projects or needs that will occur over a span of time.  During the draw period, payments are usually interest-only payments and during the repayment period, payments are made on principal and interest. Because of the variable rate, possible fluctuations in the amount borrowed, and the differences in payments during draw and repayment periods, the monthly amount due varies.

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