Guide
Your Encyclopedia on Everything Home
learn the home buying process, useful links, so much more...
A Guide To Structural Beams and Columns
Flooring
Remodel
A Guide To Structural Beams And Columns will be an invaluable tool in any home remodeling endeavor. It will take you through the process of selecting and installing the different building materials that are necessary for the construction of your home. From architectural plans to suppliers, you will need all the help you can get to complete the task in a timely and efficient manner. The value of a Guide To Structural Beams And Columns should not be underestimated. It is very important to make sure that you get all of the right building materials to complete your project so that you have a successful home remodel. It is always easier to do it right the first time than having to redo the work because of one mistake.
How To Choose Interior Door Hardware - Selecting a Style and Finish
Hardware
Remodel
The choices for interior door hardware that you will make in your home remodel will depend on many factors. One of the biggest decisions you will be faced with is whether to go with wood or plastic. While the choice between the two is up to you, keep in mind that plastic will break more easily than wood will and they will also require more maintenance. Also, plastic home door hardware will not look as nice as wood does and will not match the rest of your home's decor. Here are a few other tips that will help you decide which door hardware is best for your home remodel:
The Non-Negotiables in a Remodel
cost-budget
Remodel
It's always a bit disconcerting when you start a home remodel and realize that there aren't any non-negotiables. But the reality is that there are some things that just are not worth compromising on, regardless of how much it may cost. And while you're doing your research, make sure that you are also looking for non-negotiable changes to be made such as getting rid of carpet stains, repairing or replacing electrical outlets, adding window coverings such as blinds or curtains, changing the locks on your doors, etc. If you're not sure about whether or not there are any non-negotiable aspects of your remodel, it's always best to contact a professional home improvement contractor who has done a lot of remodeling work and knows what should and shouldn't be included in a remodel.
How to Find Off-Market Properties
Steps to getting a home
Find a Home
Seeing what other strategies are available for finding homes for sale, and applying them, could take your real estate investment business to the next level, literally. From cold calling to the most popular direct mailing campaign, you'll learn tried-and-proven methods for securing those cash-flow generating properties. This book offers you step-by-step advice on how to find that next house, no matter where it's located. With guidance on where to send your letter and what you should include, "How to Find Off-Market Properties" is the perfect "how-to" manual for those who want to be successful when it comes to making money on real estate.
Common documents required by lenders
The Mortgage Process
Mortgage
Mortgage payments and other kinds of debt servicing can be a lengthy process. Often, the mortgage lender requests for extra documentation, especially if the borrower hasn't lived in the home long. This documentation can be time consuming and expensive for the borrower. To avoid delays in mortgage payments, here are some common documents required by lenders:
The Pros and Cons of Plastic, Metal, and Corrugated Plumbing Pipes
utilities-electrical-work-plumbing-and-ventilation
Remodel
Since plastic is a flexible and lightweight commodity, it has many benefits over traditional metal and glass products such as CD cabinets, bookshelves, and furniture. Plastics are also more environmentally friendly, which can be good for the economy. In addition to these advantages, plastic is often superior in both function and design when compared to metal and glass. But plastic's plastic-ness also has its drawbacks, and disadvantages that become noticeable when plastic waste is transported and disposed of:
Unlacquered Brass Versus Polished Brass - What’s the Difference?
Hardware
Remodel
What is the difference between unlacquered brass and polished brass? What are the pros and cons of using each in your home remodel? These are just some of the questions that you may ask if you are planning to do a home remodel. The truth is, brass goes back thousands of years, has been used in everything from watches, trumpets, and even medicine. Today, it is used in everything from lighting fixtures to candle holders, making it an extremely versatile metal.
Roofing: Cedar Shakes Versus Asphalt
Exterior
Remodel
When deciding on your next roofing: cedar shakes versus asphalt, you have many choices to make. Asphalt shingles have been the most popular for decades and they are generally the most affordable, but if you want to go with an all wood product for your exterior then there are many products available that will also work well. For example, Red Stick is an all natural product which provides a fine finish for wood as well as a very durable finish. Red Stick is a mixture of cedar, grapevines and other woods and it offers a unique grain which gives it a reddish color. So you really can't go wrong with cedar shingles and if you do decide to use asphalt you'll find that there are many options available such as Red Stick, Exposed Timber, Denver Fir, Langstroth, River Birch, and many others just to name a few.
The Top 10 Things To Invest in When Remodeling Your Home
cost-budget
Remodel
This is going to be your home remodeling guide. This may be the first time you have ever heard this phrase before, but I am going to explain what it means and how you can use it to help you decide what is best for you and your budget when it comes to home remodeling. When you go to buy a home there are many different factors that go into your decision including the price, the neighborhood, the square footage, and many other factors. Knowing what these factors are, will help you make an informed decision on what you should do and what you shouldn't do when remodeling your home. The Top 10 things to invest in when remodeling your home is going to be broken down into categories of cost and budget so that you don't get confused when looking at home improvement projects that you are considering.
Contractor Fees
construction-contractors
Construction
A common question from new home owners, or prospective home owners, is what are contractor fees? A contractor is a professional who undertakes jobs, either large or small, for a company. Sometimes, there is a small company whose sole business is the repairing and/or building of homes. In these situations, a contractor's fees may be included in the total cost of the job, since the company is paying for the contractor's time as well as his expertise. Here are some things to consider when you are figuring out how much a contractor costs.
A Guide To Wiring Recessed Lighting
utilities-electrical-work-plumbing-and-ventilation
Remodel
A Guide to Wiring Recessed Lighting is the first step in planning for a home remodel or renovation, whether you are replacing existing lighting, adding new lighting, or remodeling an existing room. In this Guide to Wiring Recessed Lighting we will discuss the basics of electrical work, including lighting fixtures types, their purposes, and the various wiring options available. We will also discuss some of the plumbing utility tools you'll need for any home remodel or home renovation, and briefly examine the advantages and disadvantages of different types of lighting.
Tips for Painting Quickly and Efficiently
paint-colors
Remodel
The tips for painting quick time and efficiently will be different for every homeowner. Some homeowners will have a favorite shade of paint for their kitchen or bath. Other homeowners like bold colors. In my opinion it really doesn't matter as long as you have the right tools, the right materials and know what you are doing then you should be able to paint your walls with the colors that you like the most. Here are a few quick and easy ideas to help you get started on painting your walls quickly and efficiently.
A Guide To Wiring Landscape Lighting
utilities-electrical-work-plumbing-and-ventilation
Remodel
Looking for a guide to wiring landscape lighting? For many home remodel enthusiasts, lighting their yards or landscaping around their homes is a fantastic way to express their artistic side and create a beautiful atmosphere. However, even with all the time, energy, and money a person invests in this project, there are still things that can go wrong. Whether it's due to over-heating from one bulb to the next, or it's due to home remodel plumbing that was overlooked, there are several things you should keep in mind during your home remodel. Whether you're using electricity from an electrician, doing it yourself, or by hiring a contractor to do it for you, below are three excellent guides to wiring landscape lighting:
How To Negotiate on the Price When Hiring a Contractor
using-a-contractor
Remodel
So you want to know how to negotiate on the price when hiring a contractor. With the economy the way that it is, these are definitely becoming more important as time goes by. Before getting started, it is highly recommended that you do a thorough search for contractors in your area and find out what their average cost range is, and what their services offer. Doing this will help you set a price that is comfortable for both parties and keep you from getting ripped off or spending way too much on a home remodel job that you will be unhappy with.
FHA
The Different Types of Mortgages
Mortgage
An FHA insured mortgage is the US Federal Housing Administration mortgage insurance secured loan that is offered by an FHA-insured bank. FHA covered loans are a specific type of government aid. In general, an FHA mortgage is made available to borrowers who can't otherwise qualify for a mortgage because of a poor credit rating or a bad payment history. FHA mortgages are insured by the Department of Housing and Urban Development (HUD). HUD is part of the U.S. Department of Housing and Urban Development. An FHA mortgage is offered to borrowers who agree to refund part of the loan if they meet certain income and/or credit criteria.
How To Style Your Front Porch
design-tips
Remodel
Learning how to style your front porch is the first step to a successful home renovation project. Your new design should be an extension of your personal tastes and styles. There are many different design elements to consider when updating your front yard, and we have some great tips for you on how to get started! We have done the research for you so you don't have to! Let's begin with a few simple design tips:
Avoiding Prepayment Penalties
useful-refinancing-tips
Refinance
Prepayment penalties are often feared by borrowers because they are often applied in a haphazard manner, leading to an unnecessary and costly situation for the borrower. This can occur when borrowers fail to pay the entire loan balance on time. If your credit score is low or even marginal, you may be required to pay a higher interest rate and additional fees by some lenders, which can be quite costly. However, when you seek preapproval for a home mortgage or a car loan, the process is far more simplified, and you have the opportunity to get the lowest interest rates and monthly payments that you qualify for. Here are five useful tips to help you avoid prepayment penalties from lenders:
Why Quartz Countertops Are Up and Coming
Countertops & Backsplash
Remodel
If you are thinking of remodeling your kitchen, why not consider quartz countertops? These counters are becoming more popular with every passing year, for a very good reason. Not only do they look beautiful, but they also offer many benefits that other countertops do not offer. Here is why quartz countertops are up and coming at the home remodel stage;
LED Versus Regular Light Bulbs
utilities-electrical-work-plumbing-and-ventilation
Remodel
With energy costs on the rise, you may want to consider replacing your current lighting with new LED lights and using them for your home remodel. While the initial outlay will be higher than a typical home remodel budget due to the cost of the materials needed to install LED light bulbs, the long-term benefits are tremendous. Here are some of the reasons you may want to consider an LED versus regular light bulb for your home or office:
HOW TO BUILD YOUR CREDIT SCORE AND BUY YOUR FIRST HOME
Mortgage
Great Credit Scores are part of the essential pieces one has to put together before a mortgage lender considers a borrower for a loan on agreeable terms. This article shall examine ways you can build your credit score or improve your credit ratings. When you understand your credit score, you're in a position to oversee your credit health efficiently. This understanding allows you to evaluate how much of a credit risk you are and gain insights on lenders and their motivations. If you're in the market for a home and in search of a lender, you must have heard about the notorious credit report. You are also probably aware that your credit report can make it break your loan application. But even at that, you may still not know what goes into a credit report talk less of knowing what to do so that your credit report presents you in a good light.
Checking Credit Score and History
getting-started-on-refinancing
Refinance
Checking Credit Score and History Before getting started on refinancing a mortgage loan, you need to understand the difference between a conventional refinance and a bad credit refinance. If you have filed for bankruptcy in the past, you cannot qualify for a conventional refinance. If, on the other hand, you are looking at an adjustable rate mortgage, or ARM, you can be approved for a refinanced mortgage loan with a lower initial payment. But even with a lower initial payment, your interest rates will most likely be higher than they would be if you had a good history and score.
How Much Does It Really Cost To Remodel Your Home
cost-budget
Remodel
A home remodel job is an investment in your property. The initial costs can be high, but if you do the work correctly and keep your budget under control, you will reap many rewards by saving money and increasing your home's value when you decide to sell. So, if you are interested in having a new look in your home or adding an extra room, consider remodeling on a budget. It is possible and it is easy!
Getting the Best Refinancing Rates
useful-refinancing-tips
Refinance
Getting the best refinance rates is a must for every homeowner. This is one of the most important financial decisions you will ever make. If you do not take the time to search for good deals, then you may very well end up overpaying when it comes time to pay back the loan. Instead of waiting for that to happen, there are things you can do to help ensure that your refinance rates stay low. Here are some of the top tips for getting the best refinance rates:
What is underwriting?
The Mortgage Process
Mortgage
What is underwriting? A mortgage broker's job is to find lenders that will approve a borrower for a mortgage, based on an appraisal of their financial situation and credit history. Underwriters determine whether or not a borrower is worth the risk of providing mortgage funding to complete a mortgage loan. Mortgage lenders use an underwriting system to determine whether or not they should approve a borrower for mortgage funding. The purpose of the underwriting process is to provide mortgage lenders with enough information to make an informed decision about whether or not to lend funds to applicants.
The Top Questions To Ask Before Hiring a Remodeling Contractor
using-a-contractor
Remodel
Homeowners want to have complete peace of mind when hiring a home remodeling contractor. There are many questions that they can ask before hiring a contractor to use for their projects. Here are a few of the questions that you should ask before hiring a home remodeling contractor, to ensure that you are happy with the services that are provided to you: How long has the contractor been in business? How much experience does he or she have? What certifications do they hold?
Finding the Right Contractor
construction-contractors
Construction
The right contractor can mean the difference between a successful project and one that flop completely. There are some common mistakes construction companies make when hiring contractors, and finding the right contractor can save you a lot of time, money, and grief. When it comes to finding reputable contractors, below are a few tips from previous clients that can help:
Alternatives to Zillow or Redfin
Steps to getting a home
Find a Home
Years ago I bought my house with the intention of selling it in a couple of years. However, I didn't bother looking for a home in the city (I live in the country so there's no real need for me to be physically present there) and instead went with an alternative to Zillow or Redfin - local FSBO listings. I got a house, which is now up on a tree (thanks goodness) and have had a chance to spend some time in it, fixing up any damage that was already done. In short, I think I've done pretty well with it. I haven't bought another house in the past couple of years because I think I've found a good house now. You can find out more about my experience by visiting my website.
How To Choose Exterior Door Hardware
Hardware
Remodel
Many people, especially home remodeling and construction professionals, have a difficult time when it comes to choosing exterior door hardware for their homes. The reasons they have for this dilemma include not knowing where to get quality parts, not having enough experience with DIY door hardware, or even not having the right tools to do the work. Regardless of what the reason, it is very important that you learn as much as you can about the process of choosing exterior door hardware before beginning so that you can make the best possible decision for your home and your pocketbook. In this article, I'm going to give you some great tips on how to choose exterior door hardware that will look amazing and add some much needed curb appeal to your home.
How To Sheetrock and Spackle a Vaulted Ceiling
paint-colors
Remodel
How To Sheetrock and Spackle a Vaulted Ceiling - There are many different things that go into remodeling a home and one of the most important parts of the remodeling process is the ceiling. This is where mold, bugs and water accumulate and if not treated can cause the entire ceiling to come apart. When learning how to Sheetrock and Spackle a vaulted ceiling, it is important to understand how to apply these two building materials properly. It can be tricky to make sure you apply all the material to get the perfect results but with proper preparation and using the right type of tools it can be accomplished quickly and easily. Here are some of the different tools and products that are needed to complete this project.
VA
The Different Types of Mortgages
Mortgage
If you have a mortgage loan that is going bad, or if you want to refinance your existing mortgage so that it is better suited for your financial situation, then you should look into getting a VA home loan. A VA home loan is an option that is available to all veterans who qualify. Although getting a VA loan may not be easy, it can be done if you know what you need and where to find the best mortgage loans available. Here are the basics about getting a VA mortgage loan.
The Painting Process - Spackling, Sanding, Priming, and Painting
paint-colors
Remodel
The Painting Process - Spackling vs. Sanding One of the main differences between a regular paint job and a full home remodel or renovation project is preparation. Spackling typically happens later in the painting process and only needs to be done if you have an extremely large painting job. Sanding is usually the first step in a painting project, because it helps the painter remove any loose paint that may get through the sanding process. But there are other things to keep in mind when it comes to painting and home remodeling projects.
Common disqualifiers
How to Know You're Ready for a Mortgage
Mortgage
If you are applying for a mortgage and have a police background, there are many companies who will refuse to hire you because of a police check. While there are a few exceptions, most companies do not want to take a chance on a potential employee with a police history. There are some employers who will refuse to hire you based on a police background check, but most of these companies want to make sure that they are hiring the right person for the job. Most of these companies require that you provide a copy of your police report for them to see if you have a criminal record, so it is important that you understand how your record is evaluated when you apply for a new job.
Conventional
The Different Types of Mortgages
Mortgage
A conventional loan is simply a form of mortgage loan that isn't secured or insured by the federal government. Instead, the loan itself is backed by individual private lenders, and the borrower's insurance usually only covers the interest portion of the loan. Here are the three main types of conventional loans, in order from least to most riskiest: Home Equity Loans, Personal Loans, and Unsecured Loans. No matter which type you choose, here are the factors you should consider when deciding on which loan type to go for:
The Actual Cost of a Bathroom Remodel
Bathrooms
Remodel
While there are many things that go into deciding whether or not a home remodel is right for you, one of the biggest factors is the actual cost of the home remodel itself. Obviously, the bigger the room, the more money it is going to take to redo. For an average master bath project, such as that which usually involves much higher square footage than an everyday bathroom, it's going to cost anywhere from $10,500 to $25,500. Even though this is usually more expensive than some other home improvement projects, the savings made by doing the master bath yourself really makes up for the added expense. Here are some things to keep in mind when it comes to figuring out the actual cost of a bathroom remodel:
Where To Place Knobs, Pulls, and Handles
Cabinetry
Remodel
When it comes to the look and feel of your cabinetry, you will want to put thought into the placement of your hardware. There are certain areas that draw attention to your cabinets and pulls and these should be the first places you look when you are creating your home remodel plan. This will make the process of creating your design much easier and more enjoyable.
Understanding Your Debt-to-Income Ratio
Find a Home
If you're looking to purchase a new home, understanding your debt-to-income ratio is one important factor to consider. The higher the ratio, the more risk you pose to the lenders when financing a home loan. For this reason, homebuyers who have a low debt-to-income ratio are more favored by today's lending institutions, while high risk borrowers are turned away or rated higher in interest rates and fees.
Interest-only mortgages
The Different Types of Mortgages
Mortgage
Interest-only mortgages are a relatively new type of loan that can save homeowners significant sums of money on their home mortgage. Unlike a conventional loan with a fixed interest rate, interest-only mortgages offer the homeowner the option to increase the amount of the mortgage payments every two weeks. Instead of making fixed payments every month, interest-only mortgages allow the homeowner to make payments only up to the first full month of the interest-only time period. If the remaining amount of the loan is repaid in full by the end of the interest-only time period, the interest on the loan will be reduced to its traditional interest rate.
How Can I Contest Planning Application Refusal?
planning-permission
Construction
Planning permission is a very serious job and if you are required to get planning permission in order to build in any particular area then it is a good idea to try and get hold of planning permission rejection letters. The reason I say this is because most people who are responsible for planning permission will either be negligent or they know that what they're doing isn't actually legal. You could have all the right intentions but still find yourself being stopped by one tiny little letter. In the next few minutes I'll tell you exactly how I managed to stage my entire home over after refusing to get planning permission in a particular neighborhood and I'll show you what I learned from my experience.
First-time Homebuyer To-do List
Find a Home
As a first-time homebuyer, it can be overwhelming when choosing from the numerous foreclosed homes on the market. There are so many details that must be considered. The location, number of bedrooms and bathrooms, appliances, and landscaping, just to name a few. When choosing a foreclosed home, it is important to get an estimate from a real estate agent before touring prospective homes. Realtors can make the decision for you in your absence. Whether you are buying your first home or if you have owned one for a while, a foreclosed home may be the right choice for you, but make sure you research all of your options before making the purchase.
How Much Does Kitchen Remodel Cost?
cost-budget
Remodel
Bathroom remodeling can be an excellent way to add value to your home while making a significant improvement in your lifestyle. When you consider how much money you will save by getting a new tub, and how many years you will enjoy the comfort and convenience of a brand new bathtub, the decision becomes fairly simple. For many families, the cost of replacing an older, outmoded tub with a newer, more up-to-date model will be much less than the cost of paying for a whole new bathroom. When you are asking yourself how much does bathtub replacement cost?, it might be a good idea to start looking at your budget, and finding ways to save money on your remodeling project.
Cultured Stone Versus Natural Stone
fireplace-remodel
Remodel
When you're thinking about a home remodel, one of the biggest decisions you will make is whether to use natural stone or cultured stone for your fireplaces, walls and floors. There are pros and cons to both. The most obvious advantage to using cultured stones is the cost savings. Natural stones such as brick masonry, limestone, granite and slate are extremely expensive to buy. This is why so many homeowners choose to use these in their homes rather than investing in completely new fireplaces and other structures. However, there are advantages to Cultured Stone that make it an attractive option for a home remodel:
Mortgage Loan Terms
Refinance
Refinance
A mortgage loan is basically a loan taken out for real property. They can be taken out through banks, local credit unions, and even online financial lenders. Refinancing can be used on a homeowners current mortgage to lower a homeowners monthly payment; take money out for home repairs; and, even, to cancel existing mortgage insurance premiums. There are many ways to refinance a mortgage loan to make one of these three things happen. Here are some tips to help you learn the process and get started.
USDA
The Different Types of Mortgages
Mortgage
A USDA home loan from the USDA home loan program, commonly referred to as the USDA Rural Development Loan Program, is an unsecured residential mortgage loan available to rural property owners. The USDA offers this loan service through banks and other third-party financing sources. This loan is a part of the Rural Housing Service that helps rural families finance the purchase of their first home. An application for this loan is available online through HUD's website.
LTV
mortgage-lingo-explained
Mortgage
If you are refinancing your home loan, you may be curious about how much your LTV is. Your lender will want to know this number so that they can determine the interest rate for your loan. Your LTV, which is the term used to describe your percentage of equity in the house, will be one of the most important factors decided by your lender when determining your mortgage refinance decision. Here are several tips to help you find out what your LTV is and how to improve it.
The Top Things To Know About Wood Countertops
Countertops & Backsplash
Remodel
If you are considering doing a home remodel, one of the biggest decisions you will make is what type of countertop and/or backsplash materials you will use. Wood and stone counter tops are the most common, but there are so many types of surfaces you can use for your kitchen or bathroom. The most difficult choice to make when selecting a new surface is what material would be best suited for your needs. There are so many options to choose from; wood, tile, stainless steel, glass, concrete, etc. The choices are endless. In this article I will tell you about the top things to know about wood countertops & backsplashes, as well as other materials that can be used in your kitchen or bathroom.
How To Install a Staircase Runner
Flooring
Remodel
Are you interested in learning how to install a stair runner? If so, this article will explain some basic information on the subject. Specifically, we're going to discuss the three main types of stair runners currently out there, the benefits of using stair runners, and some quick tips for choosing a good stair runner. By the time you've finished reading this article, you'll know everything you need to know to install a stair runner in your home. Hopefully, after reading this article, you'll have even more insight into the process of remodeling a home with a new staircase and be able to choose the best type of runner for your home. So, let's begin.
TEN QUESTIONS TO ASK BEFORE GETTING A LOAN
Mortgage
Before you take what is considered a major leap for home buyers - getting a loan; it's important that you reflect on a few questions. This article spotlights 10 of such questions and gives you lots of actionable insights on the possibilities and threats that trail each question. This article is essential because it walks you through the reflective moments that should ordinarily attend thoughts of getting a loan. When you're through with this article, you would have completed a crash course on critical questions home buyers must answer, one way or the other, before getting a loan.
How To Run Dryer Vents
utilities-electrical-work-plumbing-and-ventilation
Remodel
There are many reasons that you should consider having a dryer vent cleaned and replaced. One is that dryer vents are often overlooked when it comes to plumber's bills because they don't seem to cause much of an issue. In fact, most states have minimum standards of how much air flow is required in order to qualify for a "dryer vent condensation" classification. This means that not only can it contribute to foundation and floor problems, it can also contribute to costly home remodeling repairs, new HVAC equipment purchases, and costly home improvement projects that can be avoided with a little preventative maintenance and care. The following article has more information on this issue, and the ways that you can avoid these expenses by replacing your dryer vents now.
HOW TO BUY A HOUSE WITH $0 DOWN PAYMENT IN 2021
Mortgage
If you are interested in buying a house with a $0 down payment in 2021, I've got good news for you; it's not impossible. There are Mortgage programs that do not require a down payment or require little down payment. This article will explore how you can buy a house with no money down and the types of loans that require little money down, and the conditions you have to satisfy to qualify for these loan programs.
My mortgage status is "processing", what does that mean?
The Mortgage Process
Mortgage
My mortgage status is processing, that means, I am getting financing. It can take anywhere from a couple of days to a couple of weeks, depending on the company you work with. It can even take longer, but the important thing to remember is this, if you are like most people, then you are in no rush. You should have patience, because it will take time for your application to be processed and approved. If you want to get your mortgage application approved, then you must wait for the company to make their decision, that way, you will know that you have been approved, and your money is waiting just for you to start enjoying it.
How Much Does an Interior Designer Cost?
cost-budget
Remodel
If you have always wanted to redesign your home but are unsure how to begin or even if you should get started, you may want to consider hiring a professional interior designer. The reason for this is that experienced and skilled interior designers know what works and what doesn't work when it comes to designing a home. So rather than spending months trying to figure out what goes into a home remodel, your designer will be able to tell you in minutes whether your plan will work or if you should start your home remodel all over again.
Traditional Refinance
refinancing-options
Refinance
A traditional refinance mortgage allows you to borrow funds to purchase a new home, pay down high-interest debt or consolidate your existing debt into one low monthly payment. The traditional refinancing process typically takes about two to three weeks. However, some lenders also provide longer term options. Here are some things to consider when deciding whether to refinance your home loan:
Tips for Rerouting Your Pipes
utilities-electrical-work-plumbing-and-ventilation
Remodel
If you are looking for some quick and easy hints on how to complete the plumbing and utility room project before you move on to the next step of your home remodel, there are a few things you should keep in mind. First of all, there is nothing more frustrating than having to deal with two separate plumbing and utility setups that have created a "unwrap" around the main drain system in your home. By keeping these two separate jobs in mind, and by using simple tools like a pipe snake, you will be able to complete one job, without the other. Here are a few tips for rerouting your pipes and utility room:
House Building Duration
construction-contractors
Construction
If you are considering buying a new home, or you just want to improve the house you currently have, you should consider House Building Duration. House building duration is a measure of time required from the beginning of planning to the end of construction. It is usually expressed as years or months; however, it doesn't have to be, and different constructors have different terms. Here are some simple sims 4 house designs sims for different durations:
How To Optimize Your Storage Space With Cabinetry
Cabinetry
Remodel
If you are like most people, you hate looking at a messy garage full of boxes and have difficulty even looking at your garage door because of the clutter that is in it, so you ask yourself "How to optimize your storage space with cabinetry?" When you are looking for a way to store things that you don't necessarily use all the time in your garage, you need a way to store those items and still look neat. Cabinetry is a great way to store things because it organizes them in a neat manner where you can easily see what is inside. There are plenty of ways how to optimize your storage space with cabinetry so when you are ready to tackle the project, you won't be stumped.
Do I Need Planning Permission?
planning-permission
Construction
If you are planning a new home or looking at which house you would like to buy for investment reasons, you may well need planning permission. Planning permission is in place to stop inappropriate development and is usually the key that turn an unsold agricultural land into a potential property investment. Without planning permission, you would not be able to build on the land or you could be breaking the law and end up with an empty plot. There are many different types of planning permissions that you may need depending on where you are looking to develop your land. In this article we shall look at some of the most common types of planning permission available in the UK.
How to Finance a New Build Home
Construction
Construction
Construction loans for new home construction come in a wide variety of types including loans from the federal government and various other lenders, as well as private lenders that specialize in helping people finance homes. When it comes to financing your construction project there are many options available. Construction loans for new homes are a great way to help you get started on your dream home; you can find construction loans for builders in your area by searching the Internet. There are many construction loan brokers and websites that can offer you loans for construction projects; these types of loans can get you started on your construction project quickly and can often be secured by your home equity.
DO YOU NEED A LOAN? HERE ARE 4 SUCCESSFUL TIPS
Mortgage
Only a few people have the financial wherewithal to buy a house without a lender's financial support or a government-funded assistance program (for eligibility!) If you belong to that circle, then you don't have to read this article unless you have a fetish for practical articles on homeownership! This article will share 4 successful tips on how to get a loan so that our readers can make informed decisions along the line. And by the way, if you need a loan to buy a home, you can scarcely afford to make uninformed decisions so pay rapt attention.
When you should start the process
The Mortgage Process
Mortgage
Home buyers have many options available when it comes to finding the perfect home. However, finding the right home can seem overwhelming. Many homebuyers turn to home loans to find the perfect home, but the process of finding the perfect home can be overwhelming for many homebuyers. When a potential homebuyer is pre-approved for a loan, this gives the potential homebuyer a great sense of security. Pre-approved home loans help a potential homebuyer to get a great rate on their mortgage. This is important because a homebuyer can feel confident that they will not be turned down for bad credit or interest rates when they go to buy a home.
Herringbone Versus Chevron Wood Floors
Flooring
Remodel
Before you decide to go with either Herringbone or Chevron Wood Floors, there are a few things you should know and consider. The two flooring options are very similar in many ways, but they also have some important differences as well. Both of these types of wood flooring can be used in a number of different settings in your home and it all depends on the design style that you are going for. Some people prefer a quiet elegance while others want their home to be a welcoming as well as beautiful place to live. The decision is completely yours as to which would be best suited for you.
The Hidden Costs of Ownership
Find a Home
There are a lot of things that can go wrong when you find yourself owner-occupied, and you will want to make sure that your monthly home insurance is high enough to cover these unexpected costs, even if you don't know how they will affect your bottom line. For example, finding a home to live in and then having to maintain it year round can eat into your profits that you make in your business, as well. If you aren't prepared for finding hidden costs of ownership, you could end up losing money in your business, home, or personal life. Here are some tips for finding a home insurer that covers the total median cost of hidden homeownership expenses:
Determining Home Equity
getting-started-on-refinancing
Refinance
Homeowners are often confused by the different home equity and mortgage debt relief rules that govern lending institutions. Depending on the type of mortgage, there are several exemptions that can limit a lender's ability to act in certain ways. Mortgage debt, which is primarily credit card and store card debt, is not considered home equity because the value of the property is not enough to secure the borrower's future income and expenses. There are several exemption regulations that prevent creditors from selling a property to a third party without first determining its value and potential income. Applying these exemptions to your mortgage can help you avoid costly mistakes when refinancing your mortgage.
Maintenance Companies and Service Charges
legal-matters
Construction
If you are planning to employ the services of a rental property maintenance company or any other company that offers such help, you must take a lot into consideration before you select them. The most important factor to consider is whether or not they will be charging you a fee for the service that you are going to receive. There are many companies that offer such help and the charges are usually different depending on how much work needs to be done and what kind of problems the rental unit has. Most importantly you need to consider the legal matters that arise from time to time during the course of your tenant occupancy. The following are some legal issues that may arise and a good understanding of these matters will make selecting a good landlord charge more effective:
The Different Designs Available for Stock Cabinets
Cabinetry
Remodel
The different designs available for stock cabinets are those that can be customized and those that are available for purchase. Custom cabinets are ones that will have things such as handles, door pulls, drawer slides, and more. There is also a possibility to get a design that is not even functional as a kitchen cabinet but will still look nice in your home. The different designs available for stock cabinets are all a lot of fun to go with when you are planning on remodeling and redecorating your kitchen or bathroom.
How To Mix Different Tones and Texture
design-tips
Remodel
In this article I am going to share with you some how to design tips on how to mix tones and textures when doing a home remodel. I hope that by the time you have finished reading this, you will have some great design ideas to work with when you are designing your new home. There are many ways that you can use various types of textures and colors in your home, and there are just as many ways that you can use them to break up the space and make it more interesting. If you have been looking for great design tips on how to mix different tones and textures then keep reading.
The Best White Paint Colors
paint-colors
Remodel
Are you looking for the best white paint colors for a kitchen remodel? With the recent hype about the all white kitchens, more home owners are reconsidering this popular color scheme. While not as all white as you may think, you still have plenty of options when choosing paint colors for your kitchen. This article will give you the information you need to decide which are the best for your home.
A Guide To Demolition Day
the-remodeling-process
Remodel
A Guide To Demolition Day is a book written by Holly Hayden that gives step-by-step instructions on what to do on the big day. In The Guide to Demolition Day, Hayden provides a great deal of information that can be used as a tool for any home remodel project, whether it is a garage addition, a new floor, a bathroom, a kitchen, or just about anything else. With so much information provided in The Remodeling Process, a person can plan ahead and get the most out of any home remodeling project, no matter how big or small. This is an extremely helpful book that should be read by all people who are planning some type of home remodeling project.
How To Do a Total Kitchen Remodel on a Budget
cost-budget
Remodel
With the rising cost of food and gas, how to do a total kitchen remodel on a budget is a real concern for more people. Whether you're remodeling your existing home or starting from scratch, here are some simple tips that will help you start your new kitchen on a budget, without sacrificing quality. These tips include:
Fixed-Rate Interest vs. Adjustable-Rate
Refinance
Refinance
Fixed-rate interest rates have been a common choice for many borrowers and home buyers in recent years, but with the recent mortgage crisis many homeowners are now wondering if they should refinance their mortgage or even switch to a fixed rate. The decision really comes down to your circumstances and personal preferences. Here are some things you should know about fixed-rate interest rates and why they are often a better choice for homeowners. First, fixed-rate interest rates offer stability to the monthly payments you pay, and they do not fluctuate as much as adjustable-rate mortgages, allowing you to plan your money over the long term. Second, if you decide to refinance your current mortgage at a fixed interest rate, you won't be losing any of the value that your loan is backed by, and this can help reduce your overall debt load and make paying off your loan easier and more affordable in the future.
What is a Loan Estimate?
The Mortgage Process
Mortgage
A mortgage loan Estimate is a standard lender-issued form which analyzes the costs that a prospective borrower is able to expect to pay on a mortgage loan offer. It provides borrowers with an estimate of the principal balance, interest rates and payment options that are associated with a mortgage loan. Mortgage loan estimates are usually used by homeowners before applying for a mortgage loan from a lending company. Borrowers also use it to assess different mortgage offers and then choose the one with the most suitable terms for their financial needs.
When To Splurge and When To Save on a Remodel
cost-budget
Remodel
When To Splurge and When To Save on a Remodel This is one of the most common questions that home remodeling experts are asked. This is the main reason why home remodeling experts always put emphasis on planning and budgeting. A home remodeling project is definitely expensive especially if you want to improve the overall appearance and functionality of your home. If you are planning to remodel your home by spending a huge amount of money, there are some things that you need to consider before making the final investment. Here are some tips that will help you decide when and how much to splurge on a remodel:
A Guide To the Three Types of Door Sets - Passage, Privacy, and Dummy Knobs
Hardware
Remodel
There are three main types of door sets for your home - passage, bathroom, and dummy knobs. Each one has its own particular set of features and benefits that are very useful to a homeowner. In this article we'll look at the various sets available to purchase and explore how each one can be used in order to improve your home and give you the home improvement value you deserve. The three main types of door sets include - passage, bathroom, and dummy knobs and hardware. We will discuss the differences between these three types and examine the benefits each one offers in terms of value and convenience. After reading this article you should be able to choose the set that best fits your home.
New Home Warranties
legal-matters
Construction
New Home Warranties is the contract between builder and purchaser that covers all matters related to workmanship of the construction. It is a legally binding document that makes clear the responsibilities of each party in the construction of a house. Most states require the manufacturers of appliances to add a new home warranty to their products to ensure customer confidence. New Home Warranties does not cover only workmanship but also includes design, installation, electrical work, plumbing, insulation, and other critical elements of building construction.
Reverse mortgages
the-different-types-of-mortgages
Mortgage
Reverse mortgages involve taking out an equity loan using your home equity. Reverse mortgages work much like a traditional mortgage in that you borrow the money for the mortgage and then pay it back over time. However, the payments you receive are not taxable and typically it will not affect your Social Security or Medicare payments. When the last remaining owner, borrower dies, sells the house, or no longer resides in the house as a primary residence, then the loan must be repaid.
Mortgage Broker Fees - What's Included?
Mortgage Broker
Refinance
Mortgage brokers, like real estate agents, are independent contractors who receive a commission for every loan they sell. In order to qualify as a mortgage broker in many states, you will need to pass the examinations administered by the National Association of Mortgage Brokers or the Mortgage Broker Practices Act. The fees you will be charged by a mortgage broker depend on the amount of money you borrow, the type of loan you choose and the interest rate.
How To Grout Tile
Flooring
Remodel
When it comes to home remodeling, it's important to have an idea of how to grout tile. While this project is not rocket science, it does require that you pay attention to detail. A mistake in grouting or the selection of materials could mar the look of the entire room and make the whole process seem more like a major home improvement project than a simple renovation. If you plan to tackle this renovation but are new to home remodeling, you should know how to grout tile and what to look for when purchasing tile.
Council Tax Discounts
legal-matters
Construction
If you are building a new home or remodeling an old one, and need some advice, then the best advice is to contact a consultant on council tax discounts. These consultants will be able to give you advice on reducing your overall expenditure and making savings on your tax bill. A construction consultant can help to design and build your home or remodel it for you, but you will have to pay all the legal costs and expenses out-of-pocket. However, many contractors will work with you to come up with a payment plan so that they can afford to do the work and keep their head above water financially. A consultant can also advise you about matters such as planning permission, which can reduce the cost of construction drastically.
Levers Versus Knobs on Doors
Hardware
Remodel
Home remodeling is a huge undertaking, and for homeowners that are planning to do the work themselves, one of the most difficult decisions they will have to make is whether to use Levers or Knobs for Doors. It's not an easy decision because both of these great tools can drastically change the appearance of your home while potentially costing you a lot of time and frustration. One of the things that you need to consider when choosing between the two is whether or not you will want to replace the existing hardware with new Levers or Knobs, or if you would like to completely remodel your doors. Although it may be tempting to simply choose one over the other, there are many benefits to using both.
Party Wall Agreement
planning-permission
Construction
A party wall agreement is a legally binding agreement between property owners relating to where certain works are performed on a shared wall (common wall) or if works are performed very near to an adjacent neighbour (including, e.g., excavating very near to a neighbour's house). Work to be performed on a wall needs the relevant permission to be obtained from the relevant Planning Authority in the area of the wall (usually the local council) before it can take place. If any work cannot be carried out within the statutory time limit because it would be against the interest of the public or the owner(s) of the wall then an appeal must be made to the local appeals committee. Once an appeal is made then the appeals process can continue up until the decision is appealed.
When To DIY or Hire a Subcontractor?
using-a-contractor
Remodel
When to DIY or Hire a Contractor? As with any home improvement project you should first carefully consider your options before making the choice to hire a contractor. There are many pros and cons of both when it comes to working with a home remodeler versus doing it yourself.
When To Go With Shades Versus Curtains
wall-essentials-accents-and-overall-decor
Remodel
Choosing the right window treatments is often a decision that homeowners face when it comes time to change their home design, or even redecorate the entire house. While both curtains and window treatments can make a statement and accent your interior decorating scheme, there are certain decisions you'll need to make before making either one. Consider these six important factors in choosing which window treatments to go with:
How to Find the Right Structual Engineer
architect-and-structural-engineer
Construction
Whether you are looking for a new home or have just moved into an older home, you may need to hire an architect and structural engineer to help with some of the design work. This can make sure that the project is completed in a timely and effective manner and can make sure that your home looks good from the outside, as well as the inside. It is important that you have a great architect and structural engineer on hand, because there are so many different aspects to a building that you want to keep accurate records on. Here is what you need to know when it comes to finding an architect and structural engineer to help you with the design of your new home.
Matte Finish Versus Satin Finish
paint-colors
Remodel
Deciding between a matte finish and a satin finish for your home paint project can be difficult. Not only are there obvious differences between the two, but the end product can have a dramatic effect on your home's value. Before you go any further with your home improvement project, read on to learn the pros and cons of both finishes.
USDA
The Different Types of Mortgages
Mortgage
A USDA home loan from the USDA home loan program, commonly referred to as the USDA Rural Development Loan Program, is an unsecured residential mortgage loan available to rural property owners. The USDA offers this loan service through banks and other third-party financing sources. This loan is a part of the Rural Housing Service that helps rural families finance the purchase of their first home. An application for this loan is available online through HUD's website.
How To Work With an Architect
architect-and-structural-engineer
Construction
How To Work With an Architect and Structural Engineer successfully combines the experience and wisdom of both civil and structural engineers. The job of a structural engineer is to design buildings and homes that are safe, economical, sustainable, and easy to maintain for all parties. The architect's job is to make sure the plans are executed correctly and creatively to create a structure that is aesthetically pleasing as well as practical.
How To Renovate a Bathroom for Under $5,000
Bathrooms
Remodel
How To Decorate a Bathroom for Under $5 With Bathroom Remodeling Ideas When searching for ideas on how to decorate your home or remodel your bathroom, don't overlook the many home improvement magazines and websites. The internet has helped consumers save money, time, and a lot of frustration by providing them with insider tips on interior design as well as simple-to-follow, step-by-step instructions on how to remodel your bathroom within a very short time. In addition to magazines, many websites offer tutorials on how to create a bathroom design that is not only attractive but also practical. This can be extremely helpful for anyone who is on a budget and may find it difficult to renovate their home. The internet is also a great resource for home renovation companies who offer simple services for very affordable fees. These services can help you remodel your bathroom without spending a huge amount of money.
Get Rid of Private Mortgage Insurance
useful-refinancing-tips
Refinance
If you own your home and have an FHA loan or a VA loan, the odds are that you are buried in private mortgage insurance premiums, and it may be time to consider refinancing to get rid of those costs and start saving money on your monthly mortgage payments. There are several ways that you can take advantage of a refinance on your FHA loan or on your VA mortgage, but here are some useful tips to help you find the best mortgage refinancing deal for your situation. The more time and effort you put into finding the right deal for your individual situation, the better your chance for success will be in terms of avoiding costly pitfalls and unnecessary fees and interest charges.
Questions to Ask Your Contractor
construction-contractors
Construction
The questions below are some of the things that you might want to ask your prospective contractor before hiring him. While these questions may not necessarily be required, they will give you a better idea of how well your contractor will carry out the job and whether he can really meet the expectations of your business. Questions to ask your contractor may help you save money, time, effort, and aggravation while trying to hire a contractor for your construction project. Make sure to discuss these questions with your contractor ahead of time so that you have all the information that you need to make an informed decision.
Finding a Lender
getting-started-on-refinancing
Refinance
Getting a mortgage to refinance your home has never been easier. Lenders today have access to all sorts of information on borrowers that helps them make informed loan decisions, and they are becoming increasingly more open to working with borrowers to complete a loan workout. For years, finding a lender was often a daunting task, but the advent of the Internet makes finding a new lender much simpler than ever before. Here are some of the best ways to start looking for a lender when you're refinancing:
Do I Need a Structural Engineer?
architect-and-structural-engineer
Construction
Structural Engineering is a very broad field that encompasses many different fields of engineering. Architectural engineering encompasses the field of building construction, planning, and design as well as many other areas such as sustainable architecture, environmental engineering, civil engineering, fire protection, building and construction materials, energy efficiency, and sustainable systems. This is only a small sample of what structural engineers do and all architectural professions fall under the large umbrella of structural engineering. Many architectural engineers also perform some of the non-structural duties of an architect as we will see shortly. Some of the jobs architectural engineers perform are as follows; they build homes, offices, and buildings and design the structural integrity of these structures in order to be safe and functional. There are many more structural engineering job descriptions available at the link below.
Picking Between a Traditional, Modern, or Contemporary Fireplace Design
fireplace-remodel
Remodel
While there are many reasons for choosing a traditional or modern fireplace for your home, picking between a modern or traditional fireplace for a saltwater pool can be a bit difficult. With the wide variety of fireplaces that are now available on the market, it can sometimes seem like picking between a traditional fireplace and a modern fireplace just isn't possible because everything is already so popular. But in order to find the perfect addition to your home, you have to take a look at all of the unique features of each type of traditional fireplace offers and weigh them against each other before deciding what type of fireplace will be best for you.
Angled Cabinets - How To Make Them Work
Cabinetry
Remodel
If you're tired of your old style cabinets and you want to try something new, you can remodel your kitchen with Angled Cabinets. While these cabinets won't make your room into a tropical vacation resort, they will certainly add some much-needed style. In fact, when you install these sleek new cabinets in your home, you'll find that your home remodel just took a big step forward! Just imagine how your guests will look at your beautiful new kitchen when it's done - if you were one of those people who bought a home with glass walls and doors, now would you be wise to move them? With these gorgeous cabinets in your kitchen, the answer to that question should be obvious.
"Locking" interest rates
mortgage-lingo-explained
Mortgage
To say I'm passionate about locking interest rates is an understatement! I've been a mortgage lender for over 20 years and have perfected the art of locking my customers' interest rates for as long as they own their home. Throughout my time as a mortgage lender, I developed a solid reputation for successfully closing more loans than most lenders and am well known for my willingness to take risk with bad credit loans. As I look forward to serving you, here are some tips to help you get started.
The Best Wood for a Fireplace Mantle and How To Install It
fireplace-remodel
Remodel
The best wood for a fireplace mantel can be found online. You may have to buy it from a local supplier, but you will find the best selection online. If you have ever needed a fireplace mantel in the past, you know how important this item is. Without one, your fireplace will be incomplete. Whether you are thinking about installing a new one on your current fireplace, or just installing an existing one so that you can use it in the future, buying the best wood for a fireplace mantel can be tricky. However, by taking the time to find the best wood for a fireplace mantel, you will be able to get the perfect product for your home.
Detached Single-Family Homes vs. Other Property Types
Find a Home
There are differences between Detached Single-Family Homes vs. Other Property Types for several reasons. One of those reasons is the pricing, which is typically lower than other types of new housing, as well as offering more flexibility in the location of the home. In addition, Detached Single-Family Homes vs. Other Property Types offers the security of maintenance payments and home improvement incentives that can be included in a new home purchase, helping to save on that initial purchase expense.
30-year vs. 15-year mortgages
The Different Types of Mortgages
Mortgage
When you are buying a home, one of the first things that you will need to decide is the length of your mortgage term. This decision can be a big one and there are good reasons for wanting to make the right choice. You should know that choosing a longer mortgage term is not always the best choice, but there are also some good reasons for choosing a shorter mortgage term than you might think. Knowing the pros and cons of both options will help you make the right choice.
How Much Does a General Contractor Really Cost?
cost-budget
Remodel
If you have always wanted to redesign your home but are unsure how to begin or even if you should get started, you may want to consider hiring a professional interior designer. The reason for this is that experienced and skilled interior designers know what works and what doesn't work when it comes to designing a home. So rather than spending months trying to figure out what goes into a home remodel, your designer will be able to tell you in minutes whether your plan will work or if you should start your home remodel all over again.
A Guide To Painting Kitchen Cabinets
Cabinetry
Remodel
The first thing you need to do when planning a home remodel is to determine your cabinetry needs and your budget for that. Once you know these two things, you'll be better equipped to choose the type of material that's right for you, and the color and style that will best suite your home. Remember: it's all about finding a balance between function and visual appeal, so keep that in mind as you shop. Although most cabinet finishes are virtually the same (if not exactly the same), there are some trends that you should keep in mind when choosing a particular finish. If you're looking to create a particular effect in your kitchen, you should also consider using particular hardware such as knobs and pulls; or if you're simply looking for something more traditional, consider the timeless look of plain wooden cabinet faces.
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