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When Not to Refinance Your Current Mortgage

not refiance

Refinancing your home can be a great way to reduce monthly mortgage payments, interest rates, or even pay off your debt faster. And while it is a useful tool in budgeting for millions of homeowners, a home refinance may not necessarily be useful in every situation. In fact, there are some situations where refinancing can cost you a great deal of money.

So when should you skip the refinance and simply keep with the original plan? Here’s what you need to know.

If You’ve Already Paid Off Much of Your Mortgage
When you first start paying a mortgage, most of your monthly payment goes toward the loan’s interest rather than its principal amount. But as you start paying down your mortgage, more and more of your payments are applied directly to the principal. And if you only have 10 years left on your mortgage, the vast majority of your payments are being applied to the principal.not refiance1

Refinancing a mortgage essentially restarts the loan over from scratch – so if your mortgage is mostly paid off, a refinance will put you back where you started and cause you to owe much more money in interest payments.

If You’re Not Prepared to Pay More Closing Fees
Refinancing can be a great way to lower your interest rate, extend your loan, or get better terms, but it also comes at a cost. Since refinancing essentially starts a new home loan, you’ll need to pay all of the closing costs associated with a new mortgage, and on average, closing costs can total up to 5% of your home’s value. If you don’t have enough cash on hand to pay for your closing costs for a second time, refinancing your mortgage will harm you more than it will help you.

If You’re Giving Up an FRM for an ARMnot refiance2
If you have a fixed-rate mortgage, you have a great guarantee that your mortgage rate will stay the same. If you already have a low interest rate, trying to get a lower interest rate will make it difficult for you to break even on your closing costs. Unless you go with an adjustable-rate mortgage, which typically has lower closing costs. But opting for an adjustable-rate mortgage is a poor idea right now.

Today’s interest rates are at historical lows, which means they have nowhere to go but up. If you refinance with an adjustable-rate mortgage, you’ll end up paying more money than if you simply kept your existing fixed-rate mortgage.

Refinancing is often a useful tool, but it’s not always helpful in every situation. A qualified mortgage advisor can tell you whether refinancing is right for you. Contact a mortgage professional to learn more.

If you have any questions regarding home mortgages or other advice about selling your home, feel free to call me directly at 215-519-1399.




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May Spring Events & Festivals in Bucks County


Spring has sprung and there’s no better way to shake off the winter blues than spending a beautiful day at one of these events in Bucks County! Located only 25 miles from Philadelphia and 75 miles from New York City, Bucks County’s countryside is the ideal destination for a spring getaway.

Here are some of the top festivals and events taking place throughout Bucks County this spring:

April 30-May 1 - 35th Annual Shadfest 2016 – Spend a spring weekend in downtown Lambertville, NJ at the 35th Annual Shadfest. Plan your visit by booking a stay in the town of New Hope. Take a short stroll over the bridge to join the city of Lambertville in celebrating local artists with great food and entertainment.

April 30 - Opening Day at Sesame Place, Sesame Place®, the nation’s only theme park dedicated to the award-winning children’s television show, Sesame Street®, in Langhorne, PA, opens for 2016 on April 30 and you spring2won’t want to miss the exciting lineup of events planned for this season. Rock out during the park’s spring concerts featuring favorites such as Choo-Choo Soul (May 7 and 8) and The Imagination Movers (May 14 and 15). Enjoy a spectacular fireworks show on Memorial Day Weekend (May 28 and 29), as music featuring Elmo, Abby Cadabby, Cookie Monster and Count Von Count fills the air. Plus, a brand new show featuring everyone’s favorite furry friends will premier in the Sesame Place Neighborhood Theater TM (formerly Monster Rock Theater) this season. More details on the show will be released in March.

May 7 –  Washington Crossing Brewfest - SOLD OUT FOR 2016 - Raise a glass and toast the 6th Annual Washington Crossing Brewfest in Washington Crossing, PA. Sip on some of the best-tasting beers from more than 65 breweries from around the country. All proceeds from the Brewfest benefit the park – the site where George Washington made history when he crossed the Delaware River on Christmas night in 1776.

May 7-8 - Mother’s Day - 5th Annual Byers’ Choice American Artisan Showcase, is made special at the 5th Annual Byers’ Choice American Artisan Showcase in Chalfont, PA. Browse through a wide selection of handmade crafts from over 70 of the most spring3talented craftsmen in the region. While you shop, enjoy live music, and chow down on delicious gourmet food from different vendors. Also make sure to walk around the garden and appreciate the lovely weather.

May 14-15 - Moravian Pottery and Tile Works Festival, Admire the splendor and individuality of the handmade historic and contemporary ceramic tiles featured at this festival from more than 50 artists, dealers and collectors. Located in Doylestown, PA, a free tour of the Tile Works - a “working history” museum built by archaeologist and art collector Henry Mercer that still produces handmade tiles today – is included with admission and rare handcrafted tiles will be available for purchase.

May 21-22 - Strawberry Festival at Peddler’s Village, The Annual Strawberry Festival at Peddler’s Village in New Hope, PA returns May 21-22. Enjoy the delicious fruit any way you want whether it be baked in pie, made into jam, dipped in chocolate or simply eaten as is! During the festival, be sure to walk the 65 shops of the 18th-century-style village.spring4

May 15 and 22 - Annual Spring Winery Tour, Comprised of nine unique, family-owned wineries, the Bucks County Wine Trail is ready to celebrate the season! This two-part self-guided wine tour takes visitors through five wineries in the Southern portion of Bucks County on May 15 and four more wineries in the Northern portion of Bucks County on May 22.

May 15-22 - New Hope Celebrates Pride Week, Follow the rainbow to New Hope, PA and celebrate the 13th Annual Pride Week & Parade! The area’s largest Pride Parade will take place on May 21, where a mile-long rainbow flag is carried down Main Street. Also check out other great LGBT events throughout the week, including a block party and vendor fair. Stay for the weekend at one of the quaint B&Bs in and around New Hope.

May 21 (Rain date: May 22) Arts Alive! Quakertown, PA takes to the streets during the 15th Annual Arts Alive! the area’s premier adjudicated artisan and crafter event. More than 100 juried exhibitors show off their wares, along with original music acts, live alpacas, a food court and wine-tasting area, and trolley transport around town.


*Courtesy of
*Photo courtesy of Sesame Place
*Photo of Crossing Vineyards courtesy of Anthony Sinagoga
*Photo courtesy of Byers’ Choice 


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4 Easy Strategies to Improve a Low FICO Score


If you’re worried about your bad credit, you’ll want to do everything in your power to improve your rating as quickly as possible – especially if you have a major purchase coming up. Improving your credit rating can give you access to better interest rates on mortgages or even help you to get that job you’re after.

So how can you boost your FICO score quickly and easily? Here’s what you need to know.

Get Your Credit Report and Dispute Any Errors
Credit reporting agencies don’t always keep 100% perfect records, and there’s a good chance that your credit report contains at least one error. One recent FTC study found that 25% of consumers have an error on their credit report, and that in 5% of cases, the errors were actually severe enough to impact the loan terms that borrowers were able to negotiate.

You can get your annual credit report from all three credit reporting agencies for free. Carefully read over it. If you see any errors – if your name is misspelled, if they have the wrong address on file, or if there are late or unpaid charges that you didn’t make – you can dispute the items in question.fico2

Negotiate Overdue Payment Terms with Your Creditors
If you’re overdue on a payment, it will weigh heavily on your credit score. As your payment history makes up a full 35% of your FICO score, this is one area where you’ll want to invest a great deal of time and effort.

Contact any creditors you owe money to and ask if you can negotiate your bill. The ideal outcome for you is to have the creditor report your debt as paid in full, so see if you can secure that promise in writing in exchange for an accelerated payment schedule.

Try Maintaining a Lower Utilization Ratio
Your utilization ratio refers to the amount of credit you use at any given time. If this number goes beyond 30 percent, you’ll start to see your credit score drop. Ideally, you should aim for a utilization ratio below 10 percent – this will prove to your lender that you can responsibly pay for the credit you use.

Automate Your Payments on Recurring Billsfico3
Automating your monthly payments can be a great way to boost your credit score. Whether it’s your mortgage, your credit card, or your student loan, a pre-authorized monthly payment will ensure that everything gets paid on time and give you a great credit history.

Your FICO score is a number that will determine your eligibility for mortgages and other loans. Call your local mortgage professional to learn about what kind of a mortgage your credit score can afford you.

If you have any questions regarding home mortgages or other advice about selling your home, feel free to call me directly at 215-519-1399.





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This Upcoming Weekend Happenings in Bucks County

Looking for something to do this weekend in Bucks County, here are a few event happenings for you to attend and enjoy with the family. weekend1

April 23-2427th Annual Neshaminy State Park Civil War Reenactment, - Celebrate the history of Bucks County! Located in Bensalem, PA, one of the largest reenactments on the East Coast will open each day with battle reenactments and plenty of opportunities to become immersed in history. Catch a glimpse of what life was like during the Civil War during authentic live performances.

April 22 - Civil War Cycle Tour at the Bucks County Civil War Museum 
Bike your way through the history of Bucks County on a Civil War Cycle Tour! You’ll see the homes and graves of historic generals, and learn about how Bucks County is linked to the Underground Railroad and the slave whose story was turned into a movie.

April 22 - Earth Day Moonlight Walk at Peace Valley Nature Centerweekend2
Celebrate Earth Day under the glowing light of the moon from 8:00 p.m. to 9:00 p.m. Peace Valley Nature Center, located in Peace Valley Park in Doylestown has 14 miles of walking, hiking and biking trails that surround the serene Lake Gelena.

April 23 - 9th Annual Earth Day and Potluck Lunch at the Farm at Snipes Farm and Education Center
Help the farm crew kick-off the 2016 growing season! Snipes Farm and Educational Center teaches the importance of sustainable farming through hands-on educational experiences to people of all ages. You’ll learn about what’s new at the farm and celebrate the community by bringing food to add to the table for the potluck lunch.

 April 23 – Hulmeville Garden Club & Garden Club of Bristol Borough Host Tea & Tunes weekend3
 10 a.m. - Children’s event, pot up a spring vegetable and talk with horticulturists
11-2 p.m. - Tea served by Bucks County Technical High School culinary students
12-2p.m. - Live jazz music, The Frank Butrey Trio
2 p.m. - Appreciation ceremony


*Courtesy of
*Photo of Civil War Reenactment courtesy of Anthony Sinagoga
*Photo of Silver Lake Nature Center courtesy of Justin DeRosa.

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Documents First Time Home Buyers Need for the Buying Process

1st time1

With all the work that goes into finding the kind of home you’ll want to put an offer on, it can be easy to forget about all the little things that happen after the deal has been made. While the paperwork involved in purchasing may seem like a long way off, here’s a quick review of some of the documents you’ll need when the time comes to seal the deal.

Your Credit Report
It’s important to review your credit before putting an offer in, so ensure that you request your credit report in advance and review it for any errors that may be present. If there are any discrepancies negatively impacting your credit score, you’ll be able to have them corrected before they can cause an issue with your real estate purchase.1st time2

Pay Stub Proof
In order to ascertain your ability to pay off your monthly mortgage, you will need to provide at least two pay stubs from your current place of employment. You won’t want to give away your originals, but a photocopy of your last two paychecks usually serves as adequate verification.

Recent Bank Statements
The number of bank statements required to prove your credit history may change depending on the lender you’re dealing with, but you’ll probably need photocopies from the last two to three months. This will be a means of proving your financial health as well as your ability to pay your monthly mortgage in the event of interest rate hikes or other fiscal setbacks.

Tax Return Copies
Your federal tax returns will provide further proof of your employment and financial standing, so the last two years of these – complete with your signature – will need to be submitted. Keep in mind that any schedules you’ve filled out to complete your yearly returns should also be included.1st time3

Additional Asset Statements
In addition to recent bank statements, if you have any stocks and bonds, mutual funds, RRSPs or other investments, you should also provide statements of proof for these. While these accounts will only require your most recent statements, they will be beneficial in providing a more comprehensive picture of your finances.

There are many aspects of purchasing a home that can be time consuming, but having the documents you need beforehand can save a lot of stress when crunch time comes. If you’re planning on purchasing a home soon, you may want to contact a real estate professional for more information.

If you have any questions regarding home mortgages or other advice about selling your home, feel free to call me directly at 215-519-1399.




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Several places in Bucks County are celebrating milestone anniversaries in 2016! From a century to half a decade old, no achievement is too big or small to commemorate. It’s one big party all year long!anniversary1

The Mercer Museum in Doylestown is celebrating its 100th anniversary in 2016! Head out to Cultural District Free Day on July 16 for the museum’s centennial celebration that includes free admission to the Mercer, the James A. Michener Art Museum, Fonthill Castle and the Moravian Pottery & Tile Works. The Flag exhibit will be open for visitors to see for free throughout the day.

Since 1956, The Neshaminy Valley Music Theatre has been entertaining the community with its annual shows! The theatre prides itself on supporting aspiring performers through a scholarship grant program. This spring, head to see the 60th anniversary production of “The Music Man.”

This year marks the 50th anniversary of the New Hope and Ivyland Railroad, a historic Bucks County attraction. Guests can ride in an antique coach pulled by a 1925 steam locomotive. Commemorate the train’s big year by taking a scenic ride along the railroad!

Bucks County’s first winery is turning 50! Buckingham Valley Vineyards & Winery on the Bucks County Wine Trail is amongst one of the largest wineries in Pennsylvania with more than two dozen varieties of wine sold. Toast to Buckingham’s anniversary with a bottle of their high-quality Bucks County-made wine!anniversary2

The Margaret R. Grundy Memorial Library in Bristol is kicking off its milestone 50th anniversary with the How-to-Festival: Learn Fifty Things on Our 50th. The community is encouraged to come out and learn how to do things like make salsa, tie a sailor’s knot and more!

Bucks County residents and visitors have appreciated nature’s beauty for the past 50 years at Silver Lake Nature Center. Celebrate this half century achievement on April 30 at Fine Spirits & Fare on the Delaware!

Enjoy spirits from Bucks County and food from nearby Bristol restaurants. The Bridgeton House on the Delaware is celebrating 35 years of welcoming guests along the beautiful riverside of New Hope. Bucks County’s only Bed & Breakfast along the Delaware River just opened its new Tree House suite. Escape to the tree tops with unparalleled river views, soaring ceilings and a whirlpool tub. Staying in a tree house has never sounded so luxurious!anniversary3

Bristol Riverside Theatre has been bringing professional theater to Bucks County for 30 years now! The theatre, located in historic Bristol Borough, produces more than 200 performances every year. Enjoy a night out at the theatre to celebrate its milestone achievement!

A historic tavern from 1750 is celebrating 10 years of transformation! McCoole’s at the Historic Red Lion Inn will commemorate a decade since it was renovated by its new owner. The inn has become a local favorite in Quakertown offering reasonably priced food in an upscale atmosphere with live entertainment on the weekends. With this milestone, McCoole’s is changing its menu to ensure the tavern is serving humanely raised and growth hormone-free foods in collaboration with local farms.

Bucks County locals and visitors have embraced The Zen Den since it opened in Doylestown five years ago! Grab a friend or a good book and check out this chic coffee boutique offering delicious coffee, tea, homemade treats and live music!


*Courtesy of
*Photo courtesy of Mercer Museum
*Photo courtesy of Margaret R. Grundy Memorial Library
*Photo of Bristol Riverside Theatre by R. Kennedy, courtesy of Visit Philly


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Some Reasons to Re-Consider Your Home’s Initial Asking Price

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Since most homeowners would like their home to sell at a reasonable price and in a reasonable time, one of the struggles of putting a home on the market is determining the perfect price. Whether your house has been on the market for a while or you’re just readying yourself for what comes next, here are some reasons that it may be time to re-consider your price.

How Long Has It Been?
A house that has been placed on the market will attract the most attention within the first 21 days, so if this period has passed and you still have no potential buyers, it might be a good idea to ponder price. While no offers at this time doesn’t necessarily mean that you need to lower your price, you may want to revisit the cost other houses in the area sold for and decide from here how much longer you’ll wait before receiving an offer.

Is It a Buyer’s Market?not selling2
When putting your home on the market, there will certainly be a value in mind that you will want to sell it for. However, if you’re currently in a buyer’s market and there is a lot for sale, it’s possible that the price you’re looking for is not something you’re going to be offered. For this reason, it’s important to look at what the market is like in your neighborhood and city. As the housing market is constantly shifting, this means you should be on top of it so you can adjust your price when needed.

Do You Have a Timeline in Mind?
Homeowners often have a timeline for when they want to sell their home by, but life can sometimes get in the way and make for the necessity of a swift sale. Whether family issues or a new job have appeared on the horizon, lowering the sale of your home can be a good option to get your house off the market more quickly. You may not get the exact price you were hoping for, but there are situations where waiting for the extra money may not be worth it.

If you’re selling your home and are re-considering your price, it’s a good idea to stay on top of market trends and determine your circumstances before sticking to your original estimate.

If you have any questions regarding home mortgages or other advice about selling your home, feel free to call me directly at 215-519-1399.


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3rd Annual Bucks County GardenFest

gardenfest1Spring will bloom at the Bucks County Visitor Center during the 3rd Annual Bucks County GardenFest from April 11 to May 13, 2016!

Browse beautiful shadowbox displays decorated by local nature centers, parks, gardens and attractions and participate in educational seminars and workshops. See below for events and a list of this year’s featured exhibitors.


Mark your calendars to spend the day at the Visitor Center and hear firsthand from Bucks County’s garden experts:

Sunday, April 17: Lectures

1-3 p.m. - Carole Williams, The Tea Can Company, Tea Tasting
• 1 p.m. -  Blanche Gottel, The Plant Lady of Bucks County, Succulents Part 1
• 2 p.m. - Jeff Marshall, Heritage Conservancy, Barns of Bucks County
• 3 p.m. - Gail Hill, Director and Naturalist, Peace Valley Nature Center

Saturday, April 23: Hulmeville Garden Club & Garden Club of Bristol Borough Host Tea & Tunes gardenfest2

10 a.m. - Children’s event, pot up a spring vegetable and talk with horticulturists
• 11-2 p.m. - Tea served by Bucks County Technical High School culinary students
• 12-2p.m. - Live jazz music, The Frank Butrey Trio
• 2 p.m. - Appreciation ceremony

Sunday, April 24: Penn State Extension Day taught by Bucks County Master Gardeners

12:00 p.m. - Donna DiMella, Composting
• 1:00 p.m. - Mike Gordon, Starting a Vegetable Garden
• 2:00 p.m. - Kim Lawrence, Beneficial Insects
• 3:00 p.m. - Jeanne Mantell, Container Gardening
• 4:00 p.m. - Walter Cullerton, Hostas for Shade Gardening

Saturday, May 7: Lectures gardenfest3

1 p.m. - Blanche Gottel, The Plant Lady of Bucks County, Succulents Part 2
• 2 p.m. - Mike Strengari, Horticulturalist, Grounds for Sculpture
• 3 p.m. - Stommy Blauth, Naturalist, Butterflies in the Garden

The Bucks County Visitor Center is located at 3207 Street Road in Bensalem, PA.

Participants in this year’s GardenFest are:

A Fashionable Flower Boutique
Bowman’s Hill Wildflower Preserve 
Bucks Beautiful 
Bucks County Audubon Society 
Bucks County Parks and Recreation 
Bucks County Technical High School 
Byers’ Choice
Churchville Nature Center 
Grounds for Sculpture 
Heritage Conservancy
Hulmeville Garden Club
Margaret R. Grundy Memorial Museum 
Peace Valley Nature Center
Pearl S. Buck House & Historic Site
Pennsbury Manor
Penn State Cooperative Extension – Bucks County
The Plant Lady of Bucks County 
The Tea Can Company 
VIA Bucks County Designer House and Gardens

*Courtesy of

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How to Research Your Mortgage Options for First Time Buyers

mortgage1For most consumers, buying a house is the largest purchase you’ll make in your life. That’s why it’s important to ensure that you have the best mortgage terms available. With so much at stake, it’s important to have full confidence in both your lender and your mortgage.

So how can you ensure that the mortgage you choose is the right one for you? Here’s how you can evaluate your mortgage options and find the best option for your individual circumstances.

Make Sure You Actually Do Shop Around
According to the Consumer Financial Protection Bureau, half of borrowers consider just one lender before applying for a mortgage, while 70% of borrowers only apply to one lender. While a broker or your bank can be a good source of information about mortgages and may offer great rates, that’s not always the case. The best way to get a great deal on a mortgage is to shop around and see what’s available.

Look for Information from Reputable, Independent Sourcesmortgage2
When you’re looking at mortgage terms and evaluating lenders, it’s important that you remain skeptical. Lenders always have an agenda – to earn money on your debt. While lenders can indeed offer you expert information on the mortgage industry, they’re not exactly objective – so make sure that when you consider their offers, you refer to independent experts when deciding if you’re getting a good deal.

Compare Loan Terms, Not Bonus Incentives
Quite often, banks will offer their clients extra mortgage incentives available only to clients. These incentives can include things like free savings bonds or a free credit card limit increase. But just because you’re getting a freebie, that doesn’t necessarily make the mortgage a good deal.mortgage3

It’s important to consider both the value of the incentive and the cost difference between mortgages. If your bank’s mortgage would cost you an extra $5,000 over the life of the loan compared to a third party mortgage, then your bank would need to give you $5,000 worth of free services in order to make your bank’s loan worth your money. Don’t be fooled by flashy freebies – look at the actual terms.

Finding the right mortgage can be a struggle, especially if you’re trying to do it on your own. That’s why it helps to consult an independent mortgage professional who can advise you on industry standards and help you to get the best terms. For more information or to schedule a consultation, contact your local mortgage advisor today.

If you have any questions regarding home mortgages or other advice about selling your home, feel free to call me directly at 215-519-1399.


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Celebrating Earth Day in Bucks County

Bucks County is home to many gardens, parks and nature centers that are dedicated to keeping the Earth clean, beautiful and a safe haven for wildlife year-round. This Earth Day, celebrate by devoting your time to take care of our planet or by exploring the many natural wonders that Bucks County has to offer!

April 11 – May 13 3rd Annual GardenFest at the Bucks County Visitor Center earth day1
GardenFest showcases the beauty of nature with a variety of shadowbox displays from local parks, nature centers, gardens and attractions. There are also plenty of opportunities to learn more about how to take care of our planet through a series of lectures and educational seminars.

April 16 D&L Opening Day for Trails Clean Up
Did you know that April is also National Volunteer Month? Give back to the community and celebrate Earth Day at the D&L Opening Day for Trails Clean Up! Volunteer to help clean up trails, clear branches, install safety signs, plant flowers and more. Afterwards, enjoy a free lunch followed by a guided bike ride on the D&L Trail!

April 16 Earth Day Work Day at Silver Lake Nature Centerearth day2
Take part in a truly hands-on experience at the 2016 Earth Day Work Day event! Help clean up litter and debris around Magnolia and Silver Lakes. Make sure to wear clothes and closed-toe shoes you won’t mind getting dirty in! Be sure to stay and enjoy all 460 acres of the nature center complete with hiking trails and a butterfly garden.

April 16 Earth Day Work Day at Bowman’s Hill Wildflower Preserve
Help preserve and protect nature in honor of Earth Day by repairing trails, clearing downed tree limbs, and raking up leaves. The preserve is home to nearly 800 different species of plants and flowers that are native to Pennsylvania. Dress in your best outdoor gear to tackle all of these projects. Volunteers will be treated to a lunch after, and visitors are welcome to explore the beautiful grounds and over 2 miles of hiking trail that serves as a home to butterflies, birds and other wildlife creatures!

April 16 Earth Day Festival at Honey Hollow Environmental Education Center
Join in on different outdoor activities with the Bucks County Audubon Society. The festival includes creek exploration studies, an organic garden where you can get down and dirty with nature, a dirty sock contest to learn how much pollution your car emits and so much more!

April 22 Earth Day Moonlight Walk at Peace Valley Nature Centerearth day3
Celebrate Earth Day under the glowing light of the moon from 8:00 p.m. to 9:00 p.m. Peace Valley Nature Center, located in Peace Valley Park in Doylestown has 14 miles of walking, hiking and biking trails that surround the serene Lake Gelena.

April 23 9th Annual Earth Day and Potluck Lunch at the Farm at Snipes Farm and Education Center
Help the farm crew kick-off the 2016 growing season! Snipes Farm and Educational Center teaches the importance of sustainable farming through hands-on educational experiences to people of all ages. You’ll learn about what’s new at the farm and celebrate the community by bringing food to add to the table for the potluck lunch.

April 30 Earth Day 2016 at Core Creek Park
Don’t miss out on fun for the whole family at Earth Day in Core Creek Park. The kids will love learning about rescued wildlife at an animal talks. The day will also be filled with live entertainment, field day games and giveaways! If you have a green thumb, be sure to check out the plant, herb and seed sale.

*Courtesy of
*Photo of Garden Fest courtesy of Visit Bucks County.
*Photo of Silver Lake Nature Center courtesy of Justin DeRosa.
*Photo of Peace Valley Park courtesy of Matt Yates.


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