Should You Refinance?

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Benefits of refinancing

• Paying off your mortgage early: For example, if you go from a 30 year loan to a 15 year loan without a big increase in your monthly payment, you could save thousands of dollars in interest while quickly increasing the equity in your home.
• Increase cash flow: Obtaining a lower interest rate on your mortgage may lower your monthly payment and allow you to have more cash to decrease your debt or expand your budget. 
• Utilize home equity: With a cash-out refinance, you are able to borrow more money than you currently owe on your loan. You can then use that money to pay down debt, make home improvements, or to get out from under financial burden.

Consider these factors before refinancing

• Credit score: The higher a credit score, the better interest rate you will get.
• Closing costs: Although it may be an option to add the closing costs into the refinanced loan amount, it's better to pay those costs in cash.
• Your mortgage in relation to your family's financial situation: What is your household budget? Are there college expenses on the horizon? What are your financial goals?
• If you end up with a lower monthly payment, how will you handle the extra cash? In a perfect world, the cash you save on your mortgage payment should be used to pay down debt or to increase the size of your savings account.

4 Things To Stop Doing As Soon As You're Pre-Approved

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1. Don't use your credit cards past 30% of your available balance: Doing this can affect your credit score in a negative way. Depending on how long it takes to find a home, your credit may need to be pulled up again.
2. Don't make large deposits in your bank account that can't be easily sourced: Large deposits (other than salary) are red flags and they need to be sourced. Your lender will want to know where any large deposits came from.
3. Don't switch jobs: Avoid switching jobs if possible; consistent income is important when getting approved for a loan.
4. Stop making large purchases: When a lender pulls up your credit, they are looking at the ratio between your liabilities and your income. If your liabilities increase, there is a chance that the amount you are pre-approved for will decrease. 

4 Tips For First Time Home Sellers

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1. Find the right agent:  Selling your home is a big decision and finding an agent that you trust and are comfortable with is very important.
2. You need to be ready to sell: With the internet now, you only get one chance to create a first impression of your home. If your home is listed at an unrealistic price or when it's not in good condition, the number of days on the market (DOM) could add up and harm you in the long run.
3. DOM could affect a buyer's offer: An average buyer will look at a listing and first take note of the price and the size of the home. They will look at the photos and then look at how long the home has been on the market; if it's been for sale longer than three months they may see that as a negative. 
4. If you receive an offer, you have to move soon: When you get an acceptable offer and you sign a contract, time is ticking towards your closing date. Don't sell until you are ready and be sure to have a plan in place for where you are going to go once your home is sold.

New Year's Resolution: Saving For A House

Realtor Mag

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For many of us, starting a new year means setting goals to achieve in the coming months. For some of us, one of these goals may be saving for a home.

• How long does it take to save?: 37% of recent home buyers said it took them 6 months or less to save for a down payment, 15% saved for 6-12 months, and 10% said they saved for 12-18 months.
• Saving can mean sacrifices: 72% of home buyers reported cutting back on luxury or non-essential items in order to save, 56% spent less on entertainment, and 45% spent less on clothing to save money.
• Don't be discouraged about saving: Many home buyers needed a smaller down payment than they thought they would need. The average down payment is 6% for first time buyers and 13% for repeat buyers.
• It's well worth it: 79% of recent buyers regard their home as a good financial investment with many believing it to be a better investment than stocks.

Benefits Of Using A Realtor To Sell Your Home

• Getting your home listed at the right price
• Great presentation of your home
• Increased buyer exposure
• Obtain higher offers from buyers
• Negotiation of home inspection results
• Possibility of a quick close
• Selling your home at top dollar

Homes Of The Near Future

House Logic

                                                                

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There are 4 trends which are gaining popularity which seem to point to home features that will be important in the future. I'm not talking about homes run by robots, but instead home features that will increase home values, be more environmentally friendly, and suit our lifestyles.

1. Extreme Energy Efficiency: Waterless toilets, Grey water systems (These currently reuse up to 60% of your household water for flushing toilets and watering the lawn), and garages wired for electric cars are just some of the trends expected to emerge onto the mainstream in the near future.
2. Preparing for super storms: Since there has been an increase in super storms that have left consumers without electricity for long periods of time, it is expected that many homes will be equipped with whole house generators. These can keep a household running comfortably until the power is restored.
3. Locally grown: With many people gravitating towards eating healthier and making better choices, indoor gardens will become more popular. Edible indoor kitchen gardens will be making it possible for many people to eat farm to table right at home.
4. Better appliances: General Electric recently announced it's vision for 2025 home appliances, and the changes made to our everyday appliances were very remarkable. Faucets will dispense not only water, but ice, beverages, and vitamins as well. Sinks will double as mini-dishwashers and will be able to wash a small load of dishes in only minutes. Laundry machines will not only clean clothes but will also fold them into small compact bundles. 

The changes coming to our homes in the near future are exciting and will definitely make a big impact on our everyday lives!

Merry Christmas!

What Do Homebuyers Want?

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According to a recent study conducted by the National Association of Realtors, a person's gender and relationship status greatly influences what home features are important to them.

• 42% of married couples rated walk-in closets as very important in a home, and surprisingly 38% of single men rated walk-ins as important versus 29% of single women.
• Another twist: more single men viewed new kitchen appliances as important more than any other group, including married couples.
• 21% of single men rated 9 ft. or above ceilings as very important vs. 8% of single women
• A feature much more important to single women more than any other group is single level living; 31% rated it as very important compared to 18% of single men and 16% of unmarried couples.

Household Hazards You May Be Overlooking

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• Although modern appliances make life easier, they can short circuit and lead to kitchen fires. Stove top burners can malfunction, refrigerator light bulbs can stay on and overheat, etc. Look for warning messages on the appliances or strange displays that may indicate a problem.
• Treadmills are wonderful to have in a home gym but they do have their own dangers; broken bones, skin rashes, and snagged clothes can happen in the blink of an eye if not careful. Be sure to keep the treadmill in a closed room and turn off the power switch or unplug it when not in use. It's a good idea to keep the key in a safe place so that children aren't able to turn it on.
• Small magnets are not only a choking hazard for small children, they can really damage the stomach and digestive system if swallowed. Keep small magnets up high on the fridge and out of reach of little ones. Small "button" batteries also pose a choking threat; tape shut battery doors on toys or other items powered by these small batteries.
• Regularly check your garage door and ensure that it works smoothly and retracts when an object is in its path. If the garage door, springs, or sensors need repairing, call a professional.

Top 10 Repairs To Make If Your Home Is On The Market

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Although curb appeal is important and can help make a good first impression, the interior of a home needs to be in good shape as well. Here are the top 10 repairs to make if your home is on the market (or will be soon):

1. Dry basement: A damp, musty basement is a red flag, but fortunately, it can usually be resolved fairly easily. For example, a roof downspout may not be draining away from the home or simply placing a dehumidifier in the space may resolve the issue.
2. Water heater operation: The water heater should be working properly, vented correctly, and not leaking from any valves or other connections. Check to make sure that there is no rust or corrosion at the base of the tank or visible in the combustion chamber.
3. Waste line drainage: Ensure that all drains are unclogged and toilets are draining correctly. If any drains are clogged, try using a drain de-clogger and if that doesn't work, consider hiring a professional to clear waste lines.
4. Leaky faucets and pipes: Check the faucets in the kitchen and bathrooms for leaks and check the basement or crawlspace for leaky valves or pipes.
5. Garbage disposal: Check the disposal to make sure that it's not clogged and that it is working properly.
6. Electrical panel: Make sure that the area in front of the panel is cleared away and that the panel door is clean. Check for any tripped circuit breakers or popped fuses. You may need to ensure that the ground wire is securely clamped to the cold water pipe (if applicable). 
7. GFCI outlets: GFCI stands for ground-fault circuit interrupter and they are an important safety feature that is required for kitchen countertop receptacles and all bathroom receptacles. 
8. Furnace and air conditioner: Ensure that seasonal furnace maintenance has been done including replacing the furnace filter. The area around the furnace should be cleared away and free from clutter. The thermostat should be in good working condition and the condensing unit of the central air system should be cleaned.
9. Drywall: Any holes in the drywall, big or small, need to be fixed.
10. Paint: Any walls that have been patched will need to be repainted and consider painting any walls/rooms that are dirty or that need a new, neutral color scheme. 

Tax Breaks For Homeowners

        

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Tax season is going to be upon us soon and there are many benefits waiting for homeowners:

• Mortgage Interest: This is a huge money saver and can be taken on both primary and secondary homes, as long as you itemize your return and your loan is less than one million dollars.
• Mortgage Points: Points, which are percentage based fees that a lender charges to originate a loan, are seen as a type of mortgage interest which is paid in advance. As long as you meet certain requirements, you can deduct these points in full the year they were paid.
• Property Taxes: The amount you paid in property taxes can be entered on your federal form for as long as you own the home. You can find this amount by looking at your annual statement that you just received by your lender. This must be an itemized expense.
• Home Improvements: Many homeowners took on various home improvement projects in the last year and you may have been one of those homeowners as well. Projects range from adding additional square footage, replacing the roof, etc. The money spent on these projects will help to lower your tax bill.

Things To Know Before Getting Your First Mortgage

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1. Meet with a mortgage officer before looking at homes: Meeting with a lender prior to looking at homes will help you to determine if there are credit issues that you need to fix before obtaining a mortgage and will also let you know how much house you can afford before beginning the search process.
2. Pay off as much debt as you can: Paying off debt will help to keep your debt-to-income ratio down which lenders look at to determine how much you can afford. Lenders will look at your income and all of your debt including car payments, credit cards, student loans, etc. If your total debt, including your new house payment, exceeds 43% of your income, you're unlikely to get a loan; some lenders may require a lower ratio.
3. Develop good credit habits prior to buying: Paying your bills on time is very important; missed or late payments can lower your credit score, making it very difficult to buy or more expensive to borrow.
4. Think about consolidating or refinancing student loans: If you are unable to pay off student loans before buying a home, consider refinancing them in order to lower your payments. You need to decide if it's worth stretching out the life of the loan in order to buy a home sooner.
5. Show a solid work history: If you have recently finished graduate school and have just found a job in your field, some lenders may not care that you don't have two years of work history under your belt yet. If you finished school and recently started working at Starbucks, lenders may want to see you hold down that job for two years before approving you for a loan. 
6. Be prepared to document everything: You will need to supply tax returns, bank statements, brokerage statements, as well as documents to verify the source of any money that you plan to use. The lender will verify both your employment and income twice; once at the beginning of the process and again just prior to closing.
7. Don't apply for new credit or buy anything on credit while your loan is pending
8. Speak with several lenders or mortgage brokers to find the best deal for you
9. Shop for a closing agent: Closing costs such as legal fees, title insurance, and document preparation can vary considerably. Ask your Realtor or mortgage broker for recommendations. 
10. Ensure you have enough cash to cover all expenses: In addition to closing costs, you will need to pay for an appraisal of the home, inspection of the home, a survey, and city, county, or state transfer taxes. Many lenders also require a year's worth of homeowner's insurance and property taxes up front.
11. The house may need to qualify: If you are using an FHA mortgage, the house is required to meet certain standards. 

9 Questions To Ask Before Buying A Fixer Upper

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1. Is the house just ugly? What kind of problems does the house have? Is it mainly cosmetic changes that would improve the home such as painting walls, replacing sinks, etc? Look for a home with minor problems that won't cost you a lot of money or require lot's of contractors. 
2. Is there structural damage? If the home's problems include structural issues, you may want to pass on buying it, especially if you are brand new to home repairs. Problems such as foundation issues, termites, or plumbing are generally found during the home inspection and are both expensive and time consuming to fix.
3. Do you have time? Fixer uppers require a lot of time and effort, so if you are already busy or like your weekends free, think twice about buying a fixer upper.
4. Where will you live? If you have a place to stay while the work is being done, then renovations on a new home may not be a big deal. If you love DIY projects and don't mind the mess, then staying in the renovation zone may work for you.
5. Can you hire the right contractor? If you need a contractor, you need time to research the right one for the job. Obtain at least 3 estimates for all work that needs to be done, request references, and visit examples of their work if possible. 
6. How does it fit into the budget? If you are scraping up every last penny for the down payment, you may be strapped for cash once renovations begin. Even when you do have money saved up for the renovations, always add another 20% on top of that because even the most carefully planned projects will have unexpected expenses come up.
7. How will it affect your relationship? Working on a home that needs extensive work can be stressful on a relationship.
8. Do you have a support team around you? If you are single but still want to take on an fixer upper, make sure you have a network of people that can assist you; don't work on the home alone and make sure that those assisting you have some expertise. 
9. Do you have realistic expectations? If you are a fan of home renovation shows, don't assume your experience will be just like what you see on TV. Those speedy and many times perfect results are not realistic. If you plan ahead well with your finances, time, and resources you could have a great experience that really pays off.

Top Home Improvement Projects For Your Dollar

HouseLogic

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     When doing a home remodeling project, you want to keep in mind how much return you will get on your investment if you think you may be selling your home in the future.

• Replacing the front door (steel) 97.2% Return on Investment (ROI)
• Adding fiber-cement siding 83.8% ROI
• Minor kitchen remodel 82.3% ROI
• Adding vinyl mid-range siding 81.6% ROI
• Adding a wood deck 80.6% ROI
• Adding foam-backed vinyl siding 79.7% ROI
• Attic bedroom remodel 79.4% ROI
• Replacing the windows (vinyl upscale) 79.4% ROI
• Replacing the windows (wood, mid-range) 76.8% ROI
• Replacing the windows (vinyl, mid-range) 75.9% ROI

Happy Friday

Have To Move Quickly?

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Usually moves happen with plenty of notice and people have an average of 8 weeks or so to complete the moving process, however, there are times when quick moves (4 weeks or less) need to happen. Here are a few tips in case you ever find yourself in a quick move situation:

• Sort your things: Go through each room in your home and sort your belongings into three piles: to keep, to donate, and to toss. If you haven't used or worn something in over a year, a good rule of thumb is to either donate it or throw it away. Get your whole family involved in this process and have them follow the same guidelines when going through their own things.
• Get help: Get family and friends to help you out and have a clear idea of what you would like for them to do, such as packing up the items in your 'keep it' pile. You can also enlist the assistance of a professional moving company who can pack up  some belongings or your entire household; some companies will even help you host a garage sale! Contact local charities to come and pick up items in your donate pile; keep in mind that some charities only pick up during specific dates and times so keep that in mind.
• Get packing supplies: Usually used boxes are best to use, but if you are in a time crunch it may be best to buy boxes from a moving store or office supply store; this will save you the time it takes to track down used boxes. If you don't want to use boxes at all, there are some green moving companies out there that will provide plastic bins for moving. Most of these companies will drop off the bins when it's convenient for you and they will also pick them up after your move.
• Start packing!

Housing Trends

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Here are a few trends that currently have a strong presence in real estate:

1. Wider, reclaimed wood floors, often 5 to 6 inches wide, are becoming more popular as are porcelain floors. Porcelain floors come in a wide range of styles and colors and are also very durable.
2. Simple cabinets with larger drawers are being featured. Mid-century designs are being showcased, as are large drawers instead of lower cabinets.
3. Paint colors are shifting towards soft corals, sea greens, and misty blues. Many people are going towards more bold color choices versus the off whites and beiges seen in previous years.
4. Bringing the outdoors in: Many homes are featuring large windows and multiple sets of french doors to bring views of mother nature into the home. Outdoor spaces are also being spruced up, with many homeowners opting to install outdoor pizza ovens, fireplaces, and fire pits.
5. Bathrooms going glam: Bathrooms continue to get more upscale with TV's being mounted in them, steam showers with rain heads being installed, and an overall attention to little luxuries.
6. Tech savvy homeowners: Homes are increasingly being equipped with technology systems to control everything  from lighting,  security,  window treatments,  heating, etc.

It's not important whether or not you go with the crowd and follow these trends; what matters is making your house a comfortable oasis for you and your family and doing what works for you both taste wise and budget wise.

Navigating Countertop Choices

Consumer Reports

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1. Quartz: Costs about $2,240-$5,600. Quartz is a combo of mineral, color, and resin and looks like stone but it needs less upkeep and it stands up to hot pans, knives, and stains. On the down side, the edges of quartz counters can chip which would require a professional to come in for a repair.
2. Granite: Costs about $2,240-$5,600. Granite slabs are unique and they hold up heat, scratches, and cuts. Both polished and matte finishes repel stains as long as a proper sealant is applied. Granite does need minimal upkeep including resealing periodically to keep it stain resistant. The corners of granite can chip much like quartz ones so if that occurs it will need to be repaired by a professional.
3. Soapstone, limestone, and marble: Costs vary between about $2,800-$5,600. Soapstone isn't used as much as granite but it does resist heat remarkably well. Small scratches can show up in soapstone but they can be repaired by fine sanding and applying mineral oil. Limestone and marble both are classic materials with a timeless look. Limestone looks like natural stone without lots of veining and it also resists heat very well. Cons for these materials include the fact that soapstone can become stained permanently and it also does scratch easily. Limestone and marble both share those negative aspects and marble can be damaged by heat.
4. Laminate: Costs are around $560 to $2,240. This is a very inexpensive choice and it has come a long way due to new printing techniques and decorative edges. Laminate is very heat and stain resistant. A drawback includes the fact that laminate does scratch easily so cutting boards should always be used.
5. Solid surfacing: $1,960-$5,600. Lot's of color and pattern variety to choose from and this material can be used for counters, sinks, and backsplashes so it can easily create a cohesive look. Solid surfacing is stain resistant for the most part and any scratches that occur can be fixed. Similarly to laminate, solid surfacing does scratch easily so cutting boards are necessary.
6. Recycled glass: $3,360-$6,720. Both contemporary and more traditional looks can be created with recycled glass by either using large shards or finely ground pieces. Most glass countertops that were tested are resistant to heat, stains, scratches, and cuts.
7. Butcher block: $2,240-$5,600. Butcher block adds a special warmth to kitchens and is both easy to install and repair when needed. Varnish is necessary to assist with stain resistance although oils that penetrated the surface ate away the finish. Although this product does scratch easily, the scratches can be repaired by sanding. 

*Cost estimates are for both materials and installation and are based on an average kitchen with 56 square feet of counter space.

Things You Didn't Know Could Go In The Dishwasher

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Here are some very dirty items that your dishwasher can make sparkle and shine:

• Shoes: Any shoes that can be worn in the rain such as rubber boots, flip flops, pool shoes, etc can be put into the dishwasher for a good cleaning. Just be sure to remove any liners or orthopedic inserts.
• Baseball Hats: Hats will get clean and keep their shape when put on the top rack of the dishwasher. Placing a small cup of white vinegar on the bottom rack will provide extra deodorizing power.
• Toys: Any metal or plastic toys will look like new after going through a dishwasher cycle. Be sure to place them in the cutlery tray or mesh bag before cleaning them. 
• Vent Covers and Grilles: These can be put on the bottom rack of the dishwasher for a good cleaning.
• Cup Holders: When these come sticky and dirty from spilled coffee and pop, put them into the dishwasher to make them like new again.
• Kitchen Brushes: The dishwasher can clean and sanitize basting brushes.
• Scrub Brushes: Allow your dishwasher to sanitize your scrub brushes and bottle brushes.
• Light Fixture Covers: Glass and plastic fixture covers can go through a gentle cycle in the dishwasher.
• Switch Plates and Outlet Covers: These can all go through the dishwasher to be sanitized.
• Potatoes and Root Vegetables: When you harvest potatoes, beets, turnips, etc from your garden, place them on the top rack and run through a short cycle without soap to clean them. To cook the same veggies, you can wrap them tightly in aluminium foil and wash again.
• Fridge Shelves and Drawers: Get rid of sticky messes and put these through the dishwasher.
• Cabinet Hardware: Place these in a mesh bag or cutlery tray and wash away.
• Soap and Toothbrush Holders
• Faux Flowers: Put these on the top rack and run through a short cycle.
• Plastic Desk Accessories: Pencil holders, in and out trays, sticky note holders-all of these can be cleaned in the dishwasher.
• Sports Equipment: Plastic shin guards, balls, and helmets can be cleaned, sanitized, and deodorized in the dishwasher.

Working With An Interior Designer

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• What is the project? Do you want one room decorated, is it a downsizing project, do you need help choosing furniture for a room(s), etc? Pinpoint the project you need accomplished and work with your designer to come up with specific goals.
• Gather inspirational material: Pictures are worth 1,000 words, so try to find different inspirational images from magazines, websites such as Houzz or Pinterest, TV shows, etc. This will help you to communicate the style you desire.
• Communicate limitations: Do you desire to live green? Do you need to work within a specific budget? Does the design need to be children or pet friendly? A good designer will respect your limitations and work within your lifestyle and budget. 
• Be open: Before hiring a designer, interview them and get to know them. After establishing a foundation, put your trust in them and allow them to use their expertise to lead you in new directions and towards new ideas, materials, etc.
• Say no: If you don't really love a design element, say so. Remember, you will be the one living in the newly designed space so if you don't absolutely love something, don't allow it in your home.

Updating Kitchen Cabinets For Under $100

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• Changing out hardware: Cabinet hardware is like jewelry for cabinets; it can really dress them up. Hardware can be expensive, costing $30 and up for a single piece, but if you shop around and buy a 10 pack at a big box store you may pay only $2 a piece. To save time, replace 1-hole hardware with 1-hole upgrades and 2-hole hardware with 2-hole upgrades. This will avoid having to drill or patch the cabinets.
• Paint: Old cabinets in outdated colors can get an inexpensive makeover by having a fresh coat of paint applied to them. Most cabinet surfaces can be repainted, however, proper preparation is necessary for good results. If painting laminate or melamine cabinets, be sure to sand the surface with 150-grit sandpaper and apply a bonding primer before applying color. 
• Molding: Crown molding can make a huge difference when added to the tops of old cabinets. It's also a cost effective project, with 3 inch, primed composite molding costing around $20 for 8 feet. You can get a perfect match when adding molding while repainting cabinets, but if you order molding from the cabinet manufacturer, there may be a color difference since natural wood cabinets get darker with age (especially cherry).
• Adding glass: Adding a glass insert into a cabinet door can take stock cabinets to the next level and make them look custom. Not all cabinet doors can be changed out though; look at the back of the door and see if the panel is removable. Glass possibilities are endless, with options ranging from contemporary, traditional, antique, bubbles, etc. The project can be reasonably priced as well, with glass  inserts ranging from $7-$9 per square foot.
• Task lighting: There used to be only one option for adding task lighting in the kitchen-installing hard wired lights under the cabinets which was both expensive and labor intensive. Now there are peel and stick LED lights powered by batteries that cost around $8 each. Since the cost is low, several of them can be purchased and put under the cabinets, creating a functional and attractive look. 

5 Ways To Make A Room Appear Larger

The Nest 

          

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Making a small space look larger can be a challenge but if you follow a few simple guidelines, it can be achieved. 

• Using furniture with dual purposes: Using a sofa which doubles as a bed or choosing pieces of furniture with storage in them is a great way to improve the functionality of a room without taking up too much space.
• Use light paint colors: Dark colors can look good, however, they close a room in and make it appear cramped. In order to open up a space, choose light and airy colors for the walls.
• Reflection: Placing a mirror on the wall reflects light and makes a room seem bigger than it actually is.
• Adjustable dining room tables: Small dining room? Choose a table with a removable leaf so that you may accommodate guests as needed without the table overtaking the room the rest of the time.
• Monochromatic color scheme: Painting the walls and trim different shades of one color will create a clean, streamlined look which will help with making the space look larger than it actually is.
• Interesting ceiling: Although you may have heard that small rooms shouldn't have a busy look, creating an interesting ceiling by painting it a different color than the rest of the room or adding texture to it draws the eye upwards, creating the illusion of more space.

What Your Contractor Doesn't Want You To Know

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• He's not going to do the majority of the work: General contractors often times don't do the physical labor themselves. Normally their main role is to gain clients, manage the budget, and schedule subcontractors. Be sure to ask who will be in charge of the job site and go and meet them on the job if possible to see who you will be dealing with.
• A large deposit is not necessary: If a business is financially sound and the contractor has good relationships with his suppliers, he shouldn't be required to pay anything up front. A small deposit should be fine to start a job and your payment plan should be based around a specified amount of work being done. With this arrangement, if the work is not going according to schedule, then the payments will be delayed.  The Federal Trade Commission suggests using a credit card to pay for home improvement work so that a homeowner is protected if the project falls through.
• Both labor AND materials will be marked up: If you are able to buy your own items such as cabinets, countertops, etc. have the contractor take those items out of the bid price. Make sure to agree on specific numbers of items to purchase and ensure they are on the job site when needed. Purchasing some items on your own could save you 10%-20% off the entire project cost.

Kitchen Trends You Might Regret

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• Pot racks over an island: Pot racks definitely had their place in kitchen design years ago but they aren't really a safe bet anymore. Pots and pans are best stored neatly in drawers instead of hanging out in the open. Going with a clean and sleek design is a safe choice and should remain in style for years to come.
• Putting in a kitchen desk: Desks in the kitchen was very popular a few years ago but those usually end up with clutter on them that you don't want to see. Instead, try to keep all paperwork in the home office instead.
• Distressed or glazed cabinets: This style has been very popular over the last decade but it is starting to fade out. Instead, opt for cleaner designs/paint color or clean wood tones.
• Farmhouse sink: Although they are charming, choosing a stainless steel look instead will ensure that your sink remains in style for years.
• Faux finishes: Faux finishes on the wall are starting to move out of many new kitchen designs while fresh paint or clean wall paper are on their way in. 

Happy Friday

Creating A Party Perfect Kitchen

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With holiday gatherings just around the corner, here are some tips we can all use to create a party zone in the kitchen!

• The center of the party: The kitchen island is the perfect place to set up the main party zone by using it to set out appetizers, drinks, and other party foods. If you are still cooking when guests arrive, try to set up a buffer zone between the cooking area and the party-even a few feet will work. If space is an issue in your kitchen, consider using a rolling cart to hold the food and drinks that are ready; this way the party food can be rolled into the guest area, leaving you with enough space to complete your prep work.
• Upgrade small appliances: Consider changing out your coffee maker or toaster oven for a model in a fun color that matches your kitchen. Many small appliances are now available in a wide range of colors so that they are both functional and fashionable. Other appliances that may be good to change out are ones that allow you to multi-task such as stand mixers; this way you will have more time to socialize with your guests. Although you will need some appliances out during a party, don't allow your kitchen to look like a store; unplug and put away those appliances that you won't need.
• Use color: If your kitchen is looking stale but you don't want to invest in a full remodel, try adding splashes of color throughout the space. Most kitchen counters and cabinets are neutral enough to be paired with a variety of hues so have some fun! Try adding colorful accessories, decor, cabinet hardware-even colorful hanging pendant lights. If you are thinking of putting in new pendant lights, keep in mind that pendants over an island should have 30"-36" of clearance above the counter top. Hire an electrician by the hour for quick lighting changes.
• Add some "kitchen jewelry": A simple and affordable upgrade that can be made is to add "jewelry" to your kitchen by updating metal finishes such as cabinet pulls, sink faucets, and and towel racks. These pieces of "jewelry" are usually inexpensive and can be changed out easily. There are a wide variety of styles to choose from and making this simple change can make a big impact on the overall look and feel of your kitchen. 

All About Closing Costs

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Closing costs are the fees which are charged by lenders and third parties related to the purchase of a home (zillow.com). What exactly makes up closing costs? Below is a break down of the different components:

• Escrow/Attorney Fees: Some states require third party escrow companies handle real estate closings while others allow attorneys to perform the function. Title companies, title agents, lenders, brokers, and real estate agents are allowed to handle closings and/or escrows depending on the state. These fees are usually split between the buyer and the seller.
• Title Insurance: There are usually two types that need to be purchased-the lender's policy and the owner's policy. The title company or a lawyer will research the title to ensure there are no liens against the property or unidentified owners. These policies protect both the lender and the new owner for the full value of the property. In most cases the seller pays for the owner's policy and the buyer pays for the lender's policy. 
• Transfer or documentary taxes: These are paid either to the state, county, city, or a combination depending on the state. The government agency gets their piece of the pie during this transaction.  This is also called a reconveyance tax.
• Recording Fee: Paid to the county for recording the deed, which shows ownership of the property.
• Settlement or closing fee: This is usually split between the seller and the buyer and it covers the costs charged by the escrow company, lawyer, or whoever handles the transaction's financial transfers.
• Brokerage Commission: The fee you contractually agreed to pay for the selling of your home.
• Pest Inspection: Most lenders require a pest report to ensure the property is in good condition. This fee is usually paid by the seller and they may be responsible for fixing areas that have been damaged by termites, carpenter ants, dry rot, fungus, etc. In many cases these repairs can be negotiated. 
• Septic Inspection: If you have a septic tank, the sales contract will likely require you to have it inspected. 

Top Agent Cover

Dawn is going to be featured on the cover of Top Agent Magazine!

Check out the full article HERE!

5 Tips For Single Homebuyers

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1. Stay within your budget- Buy a home well within your means and ensure that you can afford it even during lapses in employment that you may experience.

2. Be aware of maintenance- If you are concerned about lawn care and other exterior maintenance, you may want to lean towards a home with a smaller yard or even in a newer community with homes requiring less up keep. If you are not interested in lawn manicuring or outdoor fixes you should look into a town home or a condominium.

3. Security- Being single means your home will be unoccupied more often than not and you want to ensure that you are in a safe neighborhood with a low crime rate so you can lock down your home before you leave and not have to worry about it.

4. Think about resale value- You may find yourself moving after a few years due to a job relocation or life change so when you are shopping for a home-keep the resale value in mind so that if you ever find yourself wanting to sell, you can do so easily.

5. Buy for the future- Although you are single now and may not need much room, plan for the future when you may add a spouse and children to your home. If you can afford it, it's a good idea to buy a home with an extra bedroom or two to spare.

Carpet Cleaning Tips From The Pros

Msn

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• Blot the stain, don't rub it: Blotting puts little pressure on the stain while rubbing causes the stain to go further into the carpet fibers.
• Club soda: Beer and wine stains can be cleaned using a small amount of club soda on a cloth and then by blotting the stain. If that doesn't do the trick, try adding one part white vinegar with one part water and putting it into a spray bottle. Spray the stain, then let it sit for 10-15 minutes before you soak it up with a clean sponge.
• Shaving cream: While we don't normally think of putting shaving cream on carpet, it is effective at removing most stains. Apply the shaving cream directly to the stain and let it sit for 30 minutes. Once set, blot it with a dry white cloth and then finish by spraying the spot with the vinegar and water solution followed by wiping it away with a cloth.
• Gum: In order to get chewed gum out of carpet, hold an ice cube to the gum for 30 seconds in order to freeze it. Once the gum is frozen, use a spoon to lift the gum up and then use scissors to cut the gum out of the carpet, being careful to cut as close to the gum as possible.
• Grease spots: When dealing with grease stains on carpet, put a small amount of grease fighting dish detergent and some water in a spray bottle and coat the stain and then blot it up. The detergent will cut through the grease on your carpet just like it does on your dishes. 
• Pet accidents: Try an organic pet cleaner which can run about $10 a bottle. Spray the cleaner on the stain, scrub, and then blot it up with a cloth or some towels.
• Deep clean: It is recommended that you deep clean your carpet every 6 months to keep it looking clean and fresh.

How To Obtain A Mortgage With Better Terms

The Herald-News Home life

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• Credit issues: Many consumers may have bad credit and not even realize it due to errors on their credit report. It's vital to get a copy of your credit report and to go over it carefully, ensuring that any errors found are reported and fixed. If your credit report does not contain any errors but your score is low, it's a good idea to work to improve your credit score before applying for a loan.
• Debt: Even with a good credit score, lenders see excessive debt as a red flag. If you have high credit card balances, pay those down before applying for a loan. It would also be beneficial to pay down car loans and student loans as well before going through the mortgage process. The less debt a consumer has, the better they look to a lender.
• Credit cards: In order to maintain good credit, experts recommend using less than 20% of your available credit. When possible, use cash for large purchases instead of relying on your credit cards.
• Be truthful on applications: Don't be tempted to factor in bonuses or overtime compensation you have not gotten yet into your annual income on applications. Lenders will ask for documentation of any additional income, as well as bonuses, so do not list anything that you have not received. 
• Be upfront: Financial issues from the past will be discovered by the bank, so it is best to be truthful from the start and disclose your financial history.
• Make a large down payment: If possible, put down a substantial amount towards your home purchase. This act will be looked upon favorably by the bank and you will also have a lower monthly payment and will save on interest fees.

Helpful Hints For Small Spaces

elledecor.com

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• Too much stuff: Don't use too many furnishings or decor pieces in a small space; this can overwhelm the space and make it too busy. Instead, be sure to use furniture that counts and place it carefully. Large furniture isn't completely out of the question; if a small room has a tall ceiling, a tall dresser or other piece placed appropriately can draw the eye upwards creating the illusion of more space than there is. 
• Have a strategy: When working with a small space with multiple functions, divide the space in terms of task zones, such as sleeping, relaxing, dining, etc, can make arranging the room much easier.
• Think light: Choosing light colors for walls and flooring does automatically open up the space and make the room appear larger.
• Create a little gem: Often times, small spaces are overlooked and are seen as unusable. Instead of ignoring this  hidden gem, make it a unique and cozy place to relax. Create a reading room, a craft room, or a play room for your child. 
• Don't use over-sized sofas and chairs: Super-sized furniture may be comfortable and appealing for movie watching but try to avoid it for small spaces. Instead, try to choose furniture pieces that are smaller in scale and more size appropriate for the space.

6 Repairs To Do After A Winter Storm

Msn

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We all know that along with winter comes snow and ice and those two elements can do a lot of damage to our homes. It's important to do some repair work after these storms both to repair any damage that is already done as well as to prevent further damage from taking place.

• Roof and gutters: Snow and ice can cause shingles to fall off or be damaged and ice and snow can build up in gutters, creating an ice dam. Ice dams don't allow water to drain properly and that can cause moisture to get under the roof. It's important to inspect your roof and gutters and to make any necessary repairs. Roof repairs usually run homeowners between $720 and $1,070.
• Pipes: Due to the below zero temperatures we experience during winter (all too often), pipes can freeze and prevent water from flowing through them, which means no water supply in your home. A plumber can try to fix this issue and get the water going again.
• Trees: Heavy snow, high winds, and ice can weigh branches down and cause a tree to collapse, sometimes on to homes and power lines. If you suspect a tree may fall and you want it removed, call a tree removal service or simply cut some branches to alleviate the problem.
• Siding: Strong winter winds can cause siding to come loose or blow off and this can cause moisture to get into the inner layers of the siding which invites mold and other pests to live there. If you need to repair or replace your siding, the cost varies depending on the material and size of the job. Residents in Chicago reportedly spend an average of $600-$920.
• Structural problems and leaks: Leaks in windows, siding, doors, or the roof can cause a number of problems, namely mold issues as well as decreased energy efficiency. 
• Furnaces and Heaters: These colder months force our heaters and furnaces to work harder in order to keep our homes warm. Many times this burden causes furnaces and heaters to completely go out or not work as well. If you think there is a problem, call a professional heating and ventilation contractor.

Things That Don't Factor Into Your Credit Score (That you thought did)

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• Location: The place that you live doesn't have any bearing on your credit score. Even if your hometown statistically has bad credit, all that matters if how you handle your finances.
• Employment: On some occasions, information about your employment may be on your report depending on what is reported to each bureau. Although employment information may be present on your report, it is not used in calculating your score. Even if you are unemployed, that will not reflect on your credit score unless you start to miss payments.
• Income: This isn't used in determining your credit score, although lenders may ask you for your income when applying for a loan. Lenders may also be able to estimate your income using clues found on your report such as the size of your mortgage.
• Age: Although age itself doesn't officially factor into your score, the length of your credit history does. 
• Marital status: You and your spouse have separate credit scores, unless you apply for a joint line of credit. Also, if you add your spouse as an authorized user on a credit card or if you co-sign on a loan for them, that will affect your credit.

Selling Your Home In The Winter

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Tips For Selling In The Winter

• Be sure to clear driveways and walkways of ice and snow
• Carpet should be well taken care of-make sure it's vacuumed and in good condition
• Fresh exterior paint will go a long way to make your home pop 
• When showing the home during the day, open blinds and draperies to allow pleasant sunlight to filter in
• During evening showings, use soft lighting to make your home warm and inviting
• Winter is a great time to emphasize certain amenities of your home including an attached garage, new water heater, a fireplace, and energy efficient appliances and upgrades

Happy Friday

10 Things You Didn't Know About The Flu

GoodHousekeeping

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1. The term influenza is the Italian word for "influence":  This refers to the cause of the disease; people used to think that the planets, stars, and moon influenced the flu. 
2. Every year, an average of 5%-20% of the US population contracts the virus
3. Hippocrates first reported a flu-like disease in 412 B.C.: The first documented flu pandemic was in 1580 and it affected more than 90% of the population.
4. It's smart to get vaccinated before October: Although January is a big month for the flu, some outbreaks happen as early as October. Since the antibodies in the vaccine take up to two weeks to develop, doctors recommend getting vaccinated early.
5. There have been 4 major flu epidemics in the last century: The Spanish flu, Asian flu, Hong-Kong flu, and the most recent Swine-flu, which caused over 12,000 deaths worldwide. The Spanish Flu caused the most flu-related deaths ever-about 20 million world-wide in 1918.
6. The flu virus can live on surfaces from 2-8 hours: They live the longest on hard surfaces. Hand sanitizer anyone?!
7. There are 3 different flu viruses-Influenza A, B and C: Influenza A is the most severe, affecting both humans and birds-it was the cause of H1N1 and more. Influenza B is only found in humans and mutates at a slower rate. Influenza C affects humans, pigs, and dogs and is less common than the other two types.
8. There are an unknown number of strains: The flu is always mutating; every year there are 3 or 4 strains identified before vaccine development starts. 
9. During the Spanish Flu pandemic in 1918, doctors prescribed either shots of whiskey or no alcohol at all: Some doctors recommended drinking half a bottle of wine a day or a glass of port wine after taking a very hot bath. Many people during that time relied on folk remedies, including eating and bathing in onions. In order to prevent the flu, the Colgate company recommended not wearing tight clothes and shoes as well as chewing food carefully. 
10. You can get your flu diagnosis in as little as 15 minutes: A lot of hospitals and doctor's offices are already using Alere i, which is a device capable of diagnosing the flu in just 15 minutes with a nasal swab. Getting a quick flu diagnosis means that treatment can begin in the first 24-48 hours after infection which is when you need it most. 

Shopping For A Home In The Winter

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Although this weather can be treacherous and the thought of house shopping during the winter can be daunting, there are some benefits to finding your abode this season!

• There are usually fewer buyers in the winter which can mean less competition for you
• Lenders usually have fewer loans to process and less paperwork to do so getting a mortgage can go quicker and smoother than during busier times (Although this can change as rates fluctuate)
• Better interest rates on mortgages
• Faster closings
• Once you buy a home in the winter, you can relax in the summer!

Happy house hunting!

In The Market For A New Washer And Dryer? Read These Tips Before Buying!

Consumer Reports

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• Better efficiency can mean longer wash times: The most efficient washing machines save about $1,400 over a 10 year span and use approximately 110,000 fewer gallons of water than a 10 year old top loader with a center agitator. Another plus to these new machines is that they are better at extracting water so drying time is reduced as are electrical costs. Although these machines clean very well, they typically have longer wash cycles ranging from 65-115 minutes on average, with front-loaders taking longer than top loaders. Washers are increasingly offering 'quick cycles' for smaller loads or lightly soiled loads. Consumer Reports tests found that Kenmore's Accela-Wash, LG's TurboWash, and Samsung's SuperSpeed shaved off about 15-20 minutes from a normal load while still cleaning well.
• Washers are deeper and/or wider: Many manufacturers are making an effort to cut down on the amount of time consumers spend doing laundry by making the washers taller and deeper to increase capacity. This can be a problem for people on the shorter side because it may make getting loads out of the washer a difficult task. When shopping, be sure to reach into the washer; if you can't reach the bottom consider investing in a different model. Also, many washers are now wider than before so if your laundry room is tight, be sure to measure before you buy.
• Waterproof items can create problems: High efficiency top loaders spin quicker and extract more water than regular top loaders, however, water can become trapped in rain coats and other waterproof items, causing the load to become unbalanced. When this happens, the machine can shake too much which can cause damage to the washer and laundry area. Some brands (Maytag and Whirlpool) say their machines can safely handle waterproof items while others (LG) warn against washing these items. Be sure to check the owner's manual before buying.
• No high efficiency dryers yet: Dissimilar to washers, dryers have typically used similar amounts of energy, even the HE dryers, according to Energy Star. Although not here yet, Energy Star-qualified dryers may hit stores soon. 
• Maybe you don't need a new dryer afterall... Although they look different, new dryers and old dryers pretty much still work the same way. They both use moisture sensors to determine how damp the laundry is and it adjusts the drying time accordingly. If your current dryer has a sensor and you don't mind having a washer and dryer that don't match, you can save money and keep your existing dryer until it breaks.Here's a tip though: dryers with sensors are meant to handle full loads. When you dry just a few items at a time, the dryer may shut off before things are dry because the items didn't touch the sensor frequently enough. To avoid this problem, use a timed cycle for smaller loads. Also, dryers with thermostats are not efficient since they dry for a set amount of time, even if the clothes are dry before the timer is up.

4 Cheap Staging Tips

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• Freshen up paint, front door, and hardware: Painting a room is an inexpensive way to instantly update the space. Even if you don't repaint your entire house, painting trim, especially around the front door and windows, will make a big difference. If your front door has seen better days, consider replacing it or giving it a fresh coat of paint. Pay attention to the doorknob as well; clean it so it shines or replace a brass doorknob with a more contemporary brushed nickel one. Replacing switch plates and outlet covers can also do wonders.
• Let the light in: It's important to let as much light as possible in to your home. Add lamps and make sure that they are on when your house is shown. Make sure that blinds are open and that your home is light and airy. If you have dated light fixtures or old fans, consider investing in new ones. Big box stores offer many well priced options that will have a huge visual impact in your home.
• Invest in the kitchen and bathrooms: For many buyers, an updated or at least a very clean kitchen and bathrooms are important. If your bathrooms' tile floors need replacing but you can't afford to, consider digging out the old grout and replacing it with new grout. This can really transform a dated floor into something new. Caulk the shower and the tub; if your bathtub is scratched or chipped you can get it reglazed for under $500. Installing new faucets in the kitchen and bathrooms either yourself or by a professional can really update the room as well.
• Curb appeal: No matter what season you are selling your home in, it's important to pull weeds, mulch, and add colorful plants or flowers (bushes with berries are a good option for the winter). The exterior of your home is the first impression that a buyer gets so make it count!

11 Necessary Tools For Homeowners

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1. Hammer
2. Screwdrivers (Flat head and Phillips)
3. Tape measure
4. Clamps
5. Level
6. Power drill
7. Vise grips
8. Wrench
9. Pliers
10. Staple gun
11. Saw