Waypoints – November 2025

Whether you're cozying up with cocoa or tackling your holiday to-do

list, this festive edition of Waypoints brings you practical tips, cheerful

fun, and helpful insights to wrap up the year with ease.

Feeling like an e-scrooge about escrow adjustments? Mortgage payments can

fluctuate, and escrow is often the reason. Let’s break down what escrow

covers, why it changes, and how to stay ahead of rising costs.

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These festive lyrics are full of surprises. Take our merry little quiz

to see if you’re a Jingle Bell Rookie or a Holiday Hitmaker!

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Declutter your holiday decor with six smart tips for storing lights,

ornaments, wreaths, and gift-wrapping supplies efficiently.