GEM Home Loans

08/14/2026

Friendly Friday!

Scientists in Serbia are working on using spider silk for burn wounds and nerve damage.

This review will present the latest research related to the production and application of spider silk and silk-based materials in reconstructive and regenerative medicine and tissue engineering, with a focus on musculoskeletal tissues, and including skin regeneration and tissue repair of bone and ca...

08/07/2026

Friendly Friday!

A neighborhood Santa from Virginia showed just how big his heart is, donating a kidney to someone in need!

There's not just one season for giving.....

Dave now has a lot of work to do to get back into Santa-shape in time for the holidays; he had to shed 40 pounds to be eligible to donate.

07/29/2026

Condo lending rules are set to change Monday! Some guidelines are easing, others are enhancing. Reach out with any questions.

06/12/2026

Friendly Friday!

There are loads of positive news globally to celebrate, as we begin the world's most watched sporting event, the World Cup!

In Belgium, a 13 year old became the first person to fully beat terminal brain cancer: https://wicnews.com/world/belgium-13-year-old-lucas-jemeljanova-becomes-1st-in-world-cured-of-deadly-brain-cancer

In China, giant pandas are no longer considered endangered: https://www.greenmatters.com/nature/giant-panda-no-longer-endangered

In the UK, beavers came to the rescue of a London subway station prone to flooding: https://www.planetizen.com/news/2026/06/137733-beavers-save-london-tube-station-flooding

Enjoy the beautiful game for the next month!

A small group of beavers is increasing biodiversity and creating cost-free flood mitigation infrastructure.

05/22/2026

Friendly Friday!

There is environmental good news all across the globe to share!

France has a new law requiring commercial parking structures to cover at least 50% of roofs with solar or plants. The EU has opened 20 electronic waste recycling plants to recover up to 90% of precious metals from smartphones. Wildlife reserves in South Africa celebrated a full year of zero rhino poaching incidents.

Keep this positive momentum, every little bit helps!

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05/18/2026

Is buying a home with cash the best move? Yes, and no. Before tying up your liquid assets in a property always consult with a financial advisor first.

Paying cash for homes may erode long-term wealth, Fidelity warns

05/15/2026

Friendly Friday!

A trend that started in the UK, people around the globe are now joining in on No Mow May. This is an effort to bring awareness and help pollinators early in the growing season when food is scarce.

If there are flowers in your lawn, mowing less can feed hungry native bees. But the best way to help is provide native plants, natural nesting sites, avoid pesticides, and spread the word.

05/13/2026

This spring the USDA proposed a rule change to aid in the housing shortage nationwide.

The Rural Housing Service (RHS or the Agency), an agency of the Rural Development mission area within the United States Department of Agriculture (USDA), is issuing a proposed rule to amend the current Single Family Housing Guaranteed Loan Program (SFHGLP) regulation. These proposed changes are...

05/08/2026

Friendly Friday!

France recently introduced a new policy allowing university students to have a full meal for just 1 Euro, regardless of income.

French university canteens began offering one-euro meals to all students regardless of income on Monday, in a measure designed to address financial hardship.

04/29/2026

In his final policy meeting, Fed Reserve Chair Powell announced rates will remain unchanged. It was a split decision, largely due to the Iran conflict, couple with inflation and the current employment "low hire low fire" status.

Powell’s term as the central bank chair expires next month.