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Buying and owning a home is an enormous responsibility. You may wish that there was just a rulebook filled with specific guidelines on how to be a homeowner. Sadly, there may not be a book that tells you everything you need to know in order to never suffer loses, but we want to help home buyers. Buying a home is a monumental step for investing in your future. We want to help you gather more information before you begin the search. Do not panic, you may currently be stressed out, but that is natural. Here is our guide to starting the house hunt:
Step One: Get to know your finances.
It may come as a surprise, but down payments are not necessary for home buyers. Granted, putting down a down payment will reduce the amount you borrow, but it is not required. You will need to figure out your financial situation before you begin house hunting. It is essential that you have enough to pay your mortgage but also enough to pay for other bills and items. Transitioning from renting to owning is like playing a different sport. You will have all the new expenses that you did not have while renting. For example, you will have homeowners insurance, property taxes, homeowner’s association fees, etc.
Step Two: Understand mortgage loans.
Loans, they seem great, but you end up owing money to someone so be careful. Your pre-qualification is your standard, basic financial information. You will need to understand though that they are not including your monthly expenses (gas, food, household items, savings, etc.). You will need to understand your limit because they are qualifying you from what they can see. Also, the amount you are eligible for does not mean you have to apply for that entire amount. Stick to the budget you know that you can handle.
Step Three: There will be additional fees.
Before you can own the home, you will have to pay earnest money and closing costs. The earnest money is paid when you make an offer on the home. This money shows that you are genuine about buying the house. The earnest money is there to help the seller if you back out of the sale. If you back out, the money goes to the seller. If you buy the house, the money is deducted from your house purchase. Lastly, closing costs are approximately two-five percent of the purchasing price.
We hope that this information helped before you begin your house hunt. For more expert advice and tips, please visit From The Floors Up.
Remodeling your home can be an exciting process for homeowners. They get to create their dream oasis and remodel it into something that they have always imagined. With the highs of remodeling, there are also some lows. To avoid being trapped in an unwanted predicament, we have created a guide for the top five mistakes you want to avoid. Let us take a look!
5 Remodeling Mistakes to Avoid:
Mistake #1: Not Being Ready.
You may be thinking, “I am definitely ready for a remodel, what are they talking about?” We mean that there is a lot of planning, saving and waiting that goes into a room remodel. First, you want to plan out everything. You want to create a desirable timeline and plan for all of your materials to be delivered before you start. Next, you want to make sure that you are within the budget that set for yourself. If it goes over budget, you may want to try finding different materials that help you stay within your set price range. Lastly, you will want to wait for all of your materials to arrive onsite. This part is key because without everything being onsite, you will not be able to begin your remodel. This will help the construction go smoothly and help avoid any hold-ups.
Mistake #2: Having an Impractical Budget.
When creating your budget, you want to be sure that you set aside some extra money. Allow yourself some “wiggle” room for unforeseen events.
Mistake #3: Selecting The “Cheapest” Option.
We do not like to throw around the word “cheap” very often, but in this circumstance, we will make an exception. Some homeowners will make the decision to go with the most inexpensive materials on the market just to save extra money. We do not recommend doing something like this. If you take a look at all of your options, you will notice that a lot of the “cheaper” items are only a little bit less money than the middle zone, more high-quality items. Just be sure to do your research and know all of your options before you commit to something.
Mistake #4: Standing Out.
If you are remodeling the exterior of your home, you will want to keep it congruent with the overall look of the entire neighborhood. The last thing you want to do is clash with your neighbors and affect the resale value of your home. Now, we are not saying that you cannot be original and unique, but you want to make sure that you do not overwhelm or engulf your surrounding houses.
Mistake #5: Always Changing Your Mind.
The reason that we recommend planning out your project beforehand is to help you not change the plans after construction begins. The issue with changing your plans is that it can get really expensive for the homeowner. To help save yourself time and money, try and stick to the original plan whenever possible.
An easy mistake to avoid is choosing the wrong flooring retailer. Set your mind at ease! With award-winning service, expert advice, and quality products, we are sure to please you with our services during your remodel.
Many homes do not have a foyer built in and that factor can be a downside for many homeowners. The foyer marks the entrance of the home and gives household members a place to put coats, shoes, and backpacks. If you do not have a foyer in your home, all you need is a little imagination and some extra space. Incorporating a foyer will be perfect for storing your belongings and welcoming your guests.
How to incorporate a foyer in your home:
Are you in the middle of remodeling your home? No doubt, whether your remodeling project is large or small, the process can be overwhelming. Working within a budget while trying to bring your dream to life is challenging. However, a renovation project can go smoothly by following these simple tips.
Plan Before the Project Begins
Before you begin any remodeling project, it’s always best to plan. To prevent delays and avoid spending unnecessary money try making product selections early on. By doing so, you’ll be aware of the associated costs and the decision-making process will go much faster.
Consider Long Term Costs
Keep in mind long-term maintenance costs such as potential repair expenses and energy costs. Such costs can increase rather quickly. Be sure to include these costs in your calculations and work them into your set budget.
A Detailed Contract
Avoid jumping into a remodeling project without a contract. The project should include all the details including the start date, completion date, the correct address and any additional details. Failing to form an airtight contract can lead to a host of trouble.
Keep Your Expectations Realistic
While exciting, you will experience both highs and lows during the remodeling process. Expect to experience delays, unforeseen snags and the inconvenience of living in a home that’s under renovation. When your expectations are realistic, you’ll be better able to handle drawbacks.
Find A Healthy Outlet
It’s easy for your life to become consumed with renovations during the remodeling. It’s important to take a step back and spend some time on other tasks. Find a healthy outlet, whether it’s the gym or the movies to go when you began to get overly stressed about the renovation process.
Welcome to part 2 of Curating Your Space! First, read Part 1 for our thoughts about Art Selections, Furniture and Textiles. Today we’ll talk about Lighting, Accessories, Finishes and Flooring.
If you think of your home as a carefully curated space, not solely for the purpose of being appealing to other people, but for the purpose of offering you rest and peace, this will help guide you as you decorate. Whether decorating is a one-time project for you, or an ongoing hobby, carefully choose the furniture, finishes, art, and items that fill your rooms, based on what is meaningful to you.
Don’t forget that lighting plays a big role in the atmosphere of your space. A room lit only from above has a different feeling than one lit with a few lamps in various parts of the room.
TIP: Instead of buying new lamps, think about repurposing the ones you already own in different rooms. Play with different locations and test out how the light feels in the room in different arrangements.
Accessories can be the most fun and dynamic part of decorating. Change up the arrangement of things as often as you want, add new items here and there as you find them. Pile on, or go minimal! Your selection of accessories is one of the easiest and most flexible ways to express your unique style.
TIP: Look online for styles of vignette arrangements you like to maximize the aesthetic appeal of your décor.
Finishes & Floors:
Just the opposite of accessories, the floors and hard finishes in your home are not changed often, so decision making can be harder here. Sometimes visiting a wide variety of places that inspire you, and looking at their finishes, can help direct your choice. They carefully curate their spaces so their locations look as appealing as possible—just as you want your home—appealing to you and your family for the purpose of rest and retreat.
TIP: Work with a designer if you’re not confident about the style you want, and they can help you find something you’ll like for years to come.
Just as a museum or gallery curator carefully selects every sculpture displayed and canvas hung on their walls, so you too, are the curator of your home. A curator’s selections, in large part, determine the success of their business. The way your home looks isn’t connected to business success, yet a well curated living space can uniquely express who you are and provide sanctuary from the world. This takes some conscious effort and thought to achieve good results.
As you make selections for your home, think about not only the initial appeal to your senses, but also what speaks to you about your passions, desires and unique personality. You’ll find when you think deeply about what goes into your home, your personality will be reflected in your design and you’ll find more rest in your space.
In this two-part post, we’ll first talk about selecting art for your walls, furniture and textiles. Next time, we’ll discuss lighting, decorations, flooring and finishes.
Art selection may be one of the most subjective and personal parts of any items you purchase. Since the selections are endless and tastes vary so much, be sure to choose works that you really like, not just what’s popular for the moment. A large painting you love, can be something you keep for decades. Where furniture, rugs and accessories might come and go, good art is enduring.
TIP: Look for one big statement piece and then create a gallery wall with more affordable prints from artists you like, going with smaller sizes and less expensive frames. These you can change out more frequently as you find new art you like.
Even if you have big money to spend, furniture can be a challenge. Finding furniture that you like, that’s comfortable and durable can take a while. If you’re looking at vintage shops, scouring Craigslist and thrift stores to keep the budget low, sometimes you can find pieces that have that perfect mix of style, personality and quality. High on personality, low on price—win win!
TIP: Even if your style is very clearly defined, add a little something that breaks your style mold to add an extra element of interest. For example: if you love sleek modern, add a side table that’s ornately antique, or if your style is rustic vintage, add a small piece or two with a high glamour to break up the rustic textures throughout your home.
The fabrics we include in our home offer us not only the pleasure of visual experience but tactile as well. Keep this in mind when choosing throw pillows, bedding, throw blankets and rugs. Part of enjoying the comfort of your home is enjoying snuggling in soft blankets, resting on pillows that aren’t just pretty.
TIP: Make textiles throughout your home represent a variety of pattern, color, texture and size. The variety will add interest and personality to your space! You can even do this within a monochromatic color scheme.
“Allow yourself the patience to know it will all come together in time and enjoy the process! For me home décor is not a goal, but a continually evolving and kinetic art project.” –Amy Butler, designer
As you look at your home as a series of blank canvases, a gallery of who you are, be thoughtful, educated and brave as you make your home into a place of rest and enjoyment for you and your loved ones. Embrace your inner artistry, have fun and take charge as you curate your space.
When decorating a room it is often easiest to use just three colors as the pallet. It most definitely simplifies any decision that happens along the way. But if minimalism or starkness is not really your design cup of tea, then having only three colors in a room will be a bore. Some people just feel much more at home when there is an array of hues surrounding them. The more colors you incorporate though, the harder it is to coordinate.
Although you may want an explosion of color to be the emphasis in a room, it’s never a good idea to let it appear to be mismanaged. Controlled chaos is the key to using multiple colors in design! If you like the idea but have no idea how to go about it, you’ll love this quick and easy reference. We are featuring our top eight suggestions for complex color combinations. Ready to get started?
Once you’ve chosen the color scheme you like best visit the paint store and pick up paint chips. Get a few of each color so you can experiment. Take them home and lay them out on a table or large sheet of paper. Use scissors to trim them to different sizes and combine them in various ways. This will give you an idea of how much of each color needs to be used to achieve the effect you want!
Decorating your home with a focus on the color black is a sure way to add drama, sophistication, or a little edge to the design. It can also be a challenge because too much of it can be overwhelming, making a space feel too dark and closed in. Visit any design gallery or home furniture store and you are sure to find a million options in black, but the trick is to use it in smart measure.
The modern take on black is typically to make it the least prevalent color. In other words, use less black than any other color. Think of it as an accent color rather than a focus color. This is a great way to add emphasis to important features in a room. Make them black and they’ll stand out beautifully against the backdrop of the other colors in the room. Ready to get started? Enjoy our guide to the very best combos!
Once you’ve chosen the color scheme you like best be sure to make a list or sketch of the color layout of the room. Decide what will be black as opposed to the other colors you’re using. Switch it up until you’ve settled on a plan that ensures black will look its best. Don’t forget to consider electronics. Many of them are only sold in black!
If there were a race to be the color of prevalence in home design in 2015 the clear winner would be gray! Visit any design gallery or home furniture store and you are sure to find oodles of items in gray. Not just furniture though! We’re seeing it in flooring and cabinetry too.
The challenge of incorporating gray into your home has to do with avoiding anything too dreary or institutional looking. If done wrong you might end up with a room that lacks a sense of energy or life. However, the modern take on decorating with gray relies on one simple difference. In 2015 gray is nearly always featured alongside a bold pop of color! It’s fresh, it’s fun, and it’s an entirely new way to do gray. Ready to get started? Enjoy our guide to the very best combos.
Once you’ve chosen the color scheme you like best be sure to try it in various combinations before settling on one. For example, try gray in unexpected ways like artwork, lamps, and wood flooring! In all of these examples, however, the pop color is intended as an accent. So use it mainly on soft furnishings and accessories.