Margus Deery's Blog
Once you have moved into a new home the first thing you might want to do is paint the walls. After the paint dries, however, you’re left with bare walls. You’ll need to find some great pieces to fill up that wall space. You don’t want to choose just anything to hang on your walls. Here’s some tips to help you find the perfect artwork for your home.
Find What You Love
You shouldn’t base your art purchases solely on value. If you like something and it inspires you, you should buy it! Anything that you will enjoy looking at in your home each day should be a part of it.
There’s More Than One Kind Of Art
You don’t need to fill wall space with all pictures or paintings. You can choose from a variety of types of artwork. From sculptures to photographs to canvas art, by using a variety of pieces, you’ll add layers of depth to every room of your home.
There’s so many places to buy art. From local shops and vendors to wider selections in common retail stores, there’s plenty of art to choose from. Find pieces to help you express yourself and keep good vibes flowing throughout your home.
Find The Right Size
You’ll need to measure the dimensions of your walls and bring a photo of the room you’re trying to decorate with you to the art stores. This will make it easier to help you envision what the art will look like in your home.
Keyword: Focal Point
The most important thing to determine in decorating any room is to find the focal point. You will either need to find a central piece for the room, or find some pieces to complement what’s already there. The design elements of the room need to be spaced accordingly in order to help you avoid a cluttered room.
What’s Your Color Scheme?
You may want to choose your art based on its “wow” factor. Everything has a color within a room, and this will be one element in choosing your artwork as well. You’ll need to think of everything from the wall color to the throw pillows. Art that is within the same shades of the room can work well, but sometimes you need something that gives the room a bit more “pop.”
What’s In The Picture?
You don’t want to buy a picture of a palm tree if the room has a country theme! Consider the theme and mood of a piece of art in order to have it complement your room.
Most of all, shopping for art should be fun! Find pieces you love. You can even use what you already have. As long as it inspires you and won’t add clutter, you should keep the art in your home.
When you’re buying a home, there’s a lot to think about. Your finances probably have the biggest impact in the entire home search process. The amount of a down payment you have and the amount of loan you’re approved for help decide what you can buy.
When you hear about closing costs, what do they entail? How much will you need to cover these costs? Many people get to the closing table for their home purchase and feel unprepared. You’ll need a certain amount of cash on hand when you finally close on a home. Learn more about closing costs, so that you understand everything that you need to know about your home purchase.
Closing costs are spelled out pretty plainly in just about every kind of real estate contract. These costs are the fees associated with the title companies, attorney, banks, lenders and everyone else who is involved in the purchase of a home. The closing table is also the time when you provide your sizable down payment. The closing costs that are being referred to are considered a separate expense independent of the closing costs.
Closing Costs Vary
Closing costs can range from anywhere between 2 and 8 percent of the purchase price of the home. You can’t really “choose” what’s included in the closing, so you’ll need to have an idea of how much money you’ll need to write a check for. Lenders can give you an estimate of about how much closing costs will be.
Certain things like the realtor’s commission fees can be negotiated and can be paid for by the buyer or the seller. The good news is that you can roll your closing fees in with your mortgage in some cases. You may also be able to negotiate with your lender to pay the closing costs for you in exchange for a higher interest rate.
What’s Included In Closing Costs?
Depending upon where and what type of home you’re buying, what the closing costs actually cover varies. Here’s just some of the things that closing costs cover:
- Escrow fees
- Credit reports
- Title search
- Title exam fee
- Survey fee
- Courier fee (Most transactions are done electronically, but in some cases this may be necessary)
- Title insurance
- Owner’s title insurance
- Natural hazards disclosure
- Homeowner’s insurance (Your first year of insurance is often paid at closing)
- Buyer’s attorney fee
- Lender’s attorney fee
- Transfer taxes
- Recording fees
- Processing fees
- Underwriting fee
- Pre-paid interest
- Pest inspections
- Homeowner's association transfer fees
- Special assessments
These fees vary widely by state and the type of property that you’re purchasing. Not every fee is required, but the above is just a list of many of the possible fees that could be included in on the closing of the home you choose.
You might believe that your house is real estate market-ready. However, if you fail to allocate the necessary time and resources to boost your house's curb appeal, you may miss out on opportunities to showcase the true beauty of your residence to potential buyers.
Fortunately, there are many proven ways to enhance your house's curb appeal, and these include:
1. Perform Home Exterior Maintenance
Consider the homebuyer's perspective as you assess your residence's exterior – you'll be glad you did. Because if you approach your residence like a homebuyer would, you may be able to identify "hidden" problem areas faster than ever before.
For example, if you notice damaged home siding or a messy front lawn, you should perform assorted home exterior maintenance and repairs. This will enable you to eliminate any home exterior eyesores before you list your residence.
2. Conduct a Property Inspection
If you want to go above and beyond the call of duty to assess your home exterior, you should conduct a property inspection. That way, you can work with a house expert to detect and resolve any home exterior issues.
During a property inspection, a home expert will evaluate your residence both inside and out. Then, the home expert will provide a report that outlines his or her inspection findings.
Review the results of a property inspection closely. The inspection report likely will contain valuable insights that you can use to prioritize myriad home exterior upgrades. And if you complete these upgrades, you may be able to transform an ordinary home exterior into a stunning one.
3. Consult with a Real Estate Agent
The real estate market can be difficult to navigate, particularly for a seller who wants to improve a house's exterior as quickly as possible. Luckily, real estate agents are available in cities and towns nationwide, and these housing market professionals can make it simple to find ways to enhance your residence's exterior.
A real estate agent is happy to provide recommendations about how you can upgrade your residence's exterior without breaking your budget. Thus, this housing market professional can help you get the best possible results from any home exterior improvement projects.
Of course, let's not forget about the assistance that a real estate agent can provide throughout the home selling journey, either.
A real estate agent will help you list your residence and promote it to potential buyers. He or she will even review offers on your house and negotiate with a buyer's agent on your behalf. With all of this support, a real estate agent will make it easy for you to maximize your home sale earnings.
If you're unsure about how to improve your home's curb appeal or perform various home selling tasks, you should hire a real estate agent. By employing a top-notch real estate agent, you can speed up the home selling process and increase the likelihood of a profitable home sale.
A home showing may prove to be a life-changing event, and for good reason. If a homebuyer attends a showing and likes what he or she sees, it may be only a matter of time before this individual submits an offer to acquire a residence. As such, it is important to prepare for a home showing to ensure a buyer can fully evaluate a house and determine whether it is the ideal choice.
Ultimately, there are many reasons why homebuyers should put together a list of questions prior to a home showing, and these reasons include:
1. You can attend a home showing with a strategy in place.
A home listing usually includes information about a house's age and condition. However, few homebuyers are willing to submit an offer on a house based on a listing alone. But if you use a home listing to prepare questions before a showing, you can attend a showing with a plan in place to pursue your dream residence.
Oftentimes, it helps to prepare a list of general questions about a home. You then can review this list in conjunction with a home listing and determine which questions are answered in the listing itself. If you find assorted questions are still unanswered in the listing, you should not hesitate to find answers to these questions when you attend a showing.
2. You can gain deep insights into a house's condition.
Preparing a list of questions prior to a home showing may enable you to gain the insights that you need to make the best-possible decision about a house. And in most instances, you can never prepare too many questions to ensure that you can make an informed decision about a house.
Remember, buying a house is a major decision. If you put together a list of questions before a home showing, you can help take the guesswork out of deciding whether to submit an offer on a home.
3. You may be able to speed up the homebuying process.
The homebuying cycle may prove to be long and complicated, particularly for a homebuyer who is uncertain about how to proceed. With a list of questions in hand, you can attend a home showing and gain expert insights right away. Meanwhile, these insights can help you decide whether a house is right for you.
As you get ready for a home showing, you may want to consult with a real estate agent as well. A real estate agent is happy to help you craft a list of questions prior to a home showing. Also, this housing market professional can keep you up to date about houses that match your homebuying criteria, help you submit offers on homes and much more.
When it comes to home showings, it helps to plan ahead as much as possible. If you prepare a list of questions prior to your next showing, you should have no trouble evaluating a house.
Applying for a mortgage is one of the biggest decision that an individual can make in his or her lifetime. As such, it is important for a first-time homebuyer to dedicate the necessary time and resources to employ the best mortgage lender – without exception.
So what does it take to hire the ideal mortgage lender? Here are three tips to help a first-time homebuyer quickly and effortlessly choose the right mortgage lender.
1. Consider a Variety of Lenders
There is no shortage of top-notch lenders in cities and towns across the United States. Thus, a first-time homebuyer can meet with a variety of credit unions and banks to explore all of the mortgage options at his or her disposal.
Spend some time learning about lenders in your area. Look at each lender's experience and reputation, and you may be better equipped than other homebuyers to select the ideal lender based on your individual needs.
Furthermore, conduct face-to-face meetings with lenders. These meetings will allow you to learn about a wide range of mortgage options and will make it easy for you to make an informed decision.
2. Ask Plenty of Questions
When it comes to getting a mortgage for the first time, there is no need to leave anything to chance. Instead, ask plenty of questions as you consult with assorted lenders, and you can gain the insights you need to pick a lender that matches or exceeds your expectations.
Remember, there is no such thing as a "bad" question, particularly when it comes to mortgages. If you meet with various lenders, you can get all of your mortgage concerns and queries addressed without delay.
A first-time homebuyer who asks lots of questions may be able to avoid potential financial pitfalls down the line too. In fact, this homebuyer should have no trouble selecting a great lender who can fulfill his or her mortgage needs for years to come.
3. Consult with a Real Estate Agent
Let's face it – selecting a lender may prove to be exceedingly difficult. Fortunately, a real estate agent is happy to provide honest, unbiased advice to help you find the right lender in no time at all.
A real estate agent understands the challenges of obtaining a terrific mortgage, and as a result, will do everything possible to help a homebuyer discover a lender that can provide outstanding support day after day. Plus, a real estate agent can even help a homebuyer alleviate stress as he or she searches for the right lender.
Let's not forget about the support that a real estate agent can provide throughout the entire homebuying journey, either. Typically, a real estate agent can keep a homebuyer informed about new residences as they become available, set up home showings, negotiate with a home seller on buyer's behalf and much more.
Get the right mortgage any time you choose – use the aforementioned tips, and a first-time homebuyer can streamline the process of selecting the ideal lender.