Modern Living

Modern Living

Home and real estate topics discussed in detail

Easy Ways To Update Your Home

Has it been years since you’ve updated your home? Or, perhaps you’ve just purchased a home that desperately needs a facelift. No matter why you want to change the way your home looks, you’re likely looking for easy ways that can help your home feel better. Here are some ways you can update your home without breaking the bank. 

Update the Paint

Paint is the easiest, most affordable way to significantly impact your home. If you currently have loud, bright colors on the walls, consider changing the paint to something more neutral and use accent pieces to highlight and bring in pops of color. If you’re going to add an accent wall, go for a painted design instead of a solid color. For example, have your painter make stripes or a chevron pattern. The design will be more appealing and bring more character into the space. 

Replace the Cabinets

You might not realize it, but the cabinets in your kitchen have a big effect on how the space feels. If you have old, outdated cabinets, no matter how modern everything else is in your kitchen, your kitchen will feel outdated. Finding new cabinets that fit the exact specifications of your kitchen can be difficult. That is why you should speak to custom cabinet makers Austin TX. The cabinet makers will measure your kitchen and get your feedback about what type of cabinets you’re looking for. So, you’ll have the exact look you want and won’t be stuck with any weird spaces from where the cabinets didn’t quite fit. 

Change the Flooring

Does your flooring look like it has seen better days? If you have torn or destroyed parts of your flooring, you should consider replacing it. Most flooring companies have a wide variety of affordable heavy-duty laminate and vinyl that look amazing and can take a beating. So, once you install it, you won’t have to worry about updating it again for 20 to 30 years. 

What To Do When Hail Damages Your Roof

Some storms develop hail, sharp ice rocks that fall from the sky. When these pieces fall to the ground, they can injure people and places. Roofs are particularly vulnerable, and hail can create issues for the shingles and the home’s exterior security. If a storm rages on the rooftop, owners may develop water damage and see leaks. If hail harms your house, implement the following steps.

1. Call Out Professionals

Inspect the premises as soon as possible. If you know a hail storm rolled through your area and suspect damage, reach out to a roofing company for evaluation. The experts can look over the structure and determine what caused the problem and how to fix it.

2. Take Pictures of the Damage

Insurance may help with this restoration because the destruction occurred from a natural event. Take photographic evidence of the deterioration. Put this with the roofer’s report. If you have personal belongings within the home that became damp, you should include images of these.

3. Inspect for Water Intrusion

Openings up top allow moisture to enter the upper areas of your home. This water intrusion saturates material and could lead to mold growth. It’s critical to ask the experts if your place shows signs of mildew or fungus.

4. File a Claim With Insurance

Speak with your agent about how to file insurance claims St Louis Mo to receive financial assistance with the repairs. Ask about your deductible and if the organization requires any particular forms to approve your request.

Expect to have an insurance adjuster survey the roof. The agency must authenticate the claim and determine how much funding you may receive to assist your remediation needs.

5. Restore and Repair the Facility

Work with a group to eliminate any dampness and rebuild the roof. Ask several places for estimates, and discuss their work schedules. Tear out anything that has possible wetness, dry out the vicinity completely and use new parts for the restoration process. Work to minimize long-time complications.

Hail is hard and dangerous. When it falls, it has the power to put holes within the roof of your home. Be aware of weather reports, noting when hail occurs in your region. Once the storm passes, have someone look at your top and determine if it requires repair. If it does, look for a place to fix the trouble and reach out to your insurance agent for aid.

How To Improve Your Home’s Privacy

Do you like to have boundaries? Are you looking to enhance your space and keep your business to yourself? Those things may seem challenging when your home is close to another. To give yourself more privacy, consider one or more of the following measures.

1. Invest in a Good Fence

If you have an open yard, you may feel like others constantly watch your actions, putting you on edge. The backyard isn’t peaceful but full of exposure. That’s not the way you want it. Create distance and seclusion by working with one of the many expert fence installation companies in Forest Lake IL.

2. Add Cameras Along the Perimeter

How does a camera improve your isolation? It’s likely to keep others away and give you a good idea of what is happening around you. Consider your vulnerable areas, such as personal places where you don’t want people peeping. Then, have security specialists wire cameras there. Because they are visible, it’s unlikely that someone would enter that space, giving you the privacy you desire.

3. Don’t Forget Your Blinds

Open windows offer gorgeous views. But that goes both ways. So, if you want to conceal some of your activities and moments, then add blinds to the windows. These versatile options give you control over what others see.

4. Increase Your Landscaping

Particular foliage may act as natural barriers. Trees and large hedges, for instance, block out views and may create additional shade. These obstacles could increase the property’s exterior with the bonus of boosting your confidentiality.

Don’t feel uncomfortable or nervous in your own home. Instead, consider how you could make the retreat of your dreams. Rely on selections such as fencing, landscaping and blinds to create impediments. Then, add cameras to bolster security methods. These options establish personal privacy walls.

What Are 3 Types of Landscaping Stones?

When you think of landscaping, you might first consider the different types of plants you would like to include in your home garden spaces. However, it pays to spend a bit of time planning for the hard surfaces that supply the structure and backbone to the garden. These spaces typically get installed before the plants. Stones offer flat sites for outdoor furniture and create excellent raised garden beds, edgings for garden birms and easy care pathways. Consequently, learning about three popular landscape stones can give you the information you need to make appropriate selections to highlight and improve your outdoor garden living rooms.

1. Small Stones

Gravel, fragments of rocks, functions as the most often-used small stone in the garden setting. Some different types of gravel include pea gravel, crushed stone and shore gravel. This small stone gets utilized in garden path construction, and landscapers can also work it into heavy clay garden soils to improve drainage. For example, pea gravel provides a relatively dry footpath even in rainy weather because the rainwater drains through the rocks, leaving the top surface more dry. In addition, stones larger than gravel but smaller than large rocks work well for edging garden beds to help keep the soil inside the beds and for decoration.

2. Large Stones

Large stones offer natural focal points in the garden. You can select rock that occurs locally in your region and choose stones based on their sizes and colors. Additionally, large and small stones have their place in landscaping, and stonework Memphis TN service professionals, for example, can offer advice on selecting the best choices to enhance your outdoor living spaces. Larger rocks, including flagstones and wall stones, get used in creating the garden’s hard surfaces. 

3. Landscaping Concrete

Concrete, made partly from stone, delivers many garden uses. Pathways, stairs and walls often utilize concrete in their construction. Outdoor kitchen areas require concrete when installing fireplaces and ovens, and fencing benefits from concrete to hold posts in place.

Understanding your options in landscape stones can significantly improve the function and appearance of your next landscape project.

How to Revive and Remodel Your Home

Making home improvements can improve your property’s atmosphere, utility, and value. From exterior upgrades to indoor decor, you can customize numerous aspects that affect the look and function of your home. Here are some tips to help you revive and remodel your house.

1. Hire an Interior Designer

An interior design firm can help guide you through the process of remodeling or redecorating your place. Using their professional expertise, designers can assist you in selecting the best materials and colors for your home. Furthermore, they can guide you through the process of a major home upgrade. The best interior design services Denver CO can even help you save money by avoiding costly home remodel mistakes.

2. Upgrade Your Curb Appeal

Don’t forget about the exterior look of your home. You can create a strong first impression for anyone who visits your house by improving your curb appeal. Consider having your home painted by professionals or upgrading your siding. Landscaping can create an inviting entrance to your house. You can use regional plants that complement the natural surroundings. Use window boxes at the front of the house to add a pop of color.

3. Consider Return on Investment

Home improvements often end up costing more than homeowners anticipate. Try to maintain a budget while upgrading your home, and account for the value that any upgrades may add to your home. Some projects can significantly boost the price of your house and therefore have a good return on investment. If you plan on selling your home within the next five years, it’s recommended that any improvements you make contribute to the value of your home. Research the ROI of various home remodeling projects, as they vary by location.

Improving your house can be a major undertaking, with projects ranging widely in scope and cost. Hiring professional design services can help you navigate the complexities of upgrading your home.

Dangerous Jobs A Homeowner Should Never Take On Alone

Repair issues are something that the average homeowner will encounter regularly. All of the vital systems in your home will eventually break down. When faced with repair issues, you need to understand the dangers they can pose.

Homeowners in the United States spend billions of dollars on repairs and maintenance every year. While some repair issues can be handled by inexperienced homeowners, others are just too dangerous. Here are some dangerous jobs that a homeowner should never attempt to do alone.

Removing a Damaged Tree

Maintaining a high level of curb appeal is a top priority for most homeowners. One of the first things a person will see when approaching your residence is the trees surrounding your home. Having well-manicured trees is a crucial component of a great landscaping design. However, trees will start to deteriorate over time and might need to be removed.

If you have one or more diseased trees on your property, getting them removed is vital. Trying to remove these trees alone is a recipe for disaster. This is why working with tree removal services Youngsville is so important. These professionals will know how to remove the trees on your property safely. Attempting to do this dangerous job on your own can result in damage being done to your home. The best way to avoid this damage is by paying professionals for assistance.

DIY Electrical Repair is a Bad Idea

The ability to turn on a light or power an appliance is a luxury that most homeowners take for granted. Without a functional electrical system, being able to power the various components in your home is impossible. When one or more of the components of your home’s electrical stop working, getting them fixed in a hurry should be a priority. Working with an electrician is the only way to ensure these repairs are performed properly.


3 Tips To Help You Sell Your Home Sell Fast

The process of selling your home can be exhausting, especially when it drags on for months. Use three tips to help make it more attractive to buyers so you can get a quick offer. 

1. Remove Clutter

A good first step is to spend some time sorting through — and removing — the clutter in your home. After all, no potential homebuyer is going to walk into your home and be excited to see piles of papers, packed closets and stuff laying around everywhere. Toss or donate things you don’t need/want/use any longer and find a place to store the rest. This is a good time to look into secure storage units Petaluma for some extra space.

If you are having trouble getting motivated to clean up your mess, think about the fact that there are so many other reasons to ditch clutter besides making it easier to sell your home quickly. For example, consider that a cluttered space can make you less productive and hinder creativity. 

2. Catch Up on Maintenance

Spend a weekend or two getting caught up on routine home maintenance tasks. These little things are easy to overlook when you see them every day, but they might stand out to someone seeing the house for the first time. A few ideas to get you started include:

  • Replace HVAC filters
  • Wipe down ceiling fan blades
  • Caulk around the tub
  • Repair any dripping faucets or fixtures 

3. Take Steps To Boost Curb Appeal

Focusing attention on the first impression people have when they approach your home is a solid investment. You might be surprised what a difference a few projects like sprucing up the entrance, trimming any overgrown landscaping in the front and pressure washing the siding can make.

If you want to sell your home quickly, try making it attractive to potential buyers. Removing clutter, getting caught up on maintenance and boosting curb appeal are all solid ways to do that. 

Quick Guide to FHA Loans

Buying a home is a major dream for most Americans. Sadly, for many people, it seems like an unattainable dream. Thanks to the credit and other requirements to obtain a traditional mortgage, too many people are left renting or living in substandard housing. 

If your dream is to buy a home but you can’t meet conventional loan requirements, you don’t have to give up hope. There are other options that can help – one of which is an FHA loan

What Exactly Are FHA Loans?

An FHA loan is a type of mortgage which is guaranteed by the FHA or Federal Housing Administration. The reason that this is important is that, since it is backed by the government, lenders are more likely to approve them.

When you apply for a traditional mortgage, lenders are putting themselves at risk. If you were to default on your mortgage, they are stuck dealing with the financial fallout. The money that they loan you is lost until they sell the property or go through some other means. This is why they require such high qualifications – to ensure they are minimizing their risk.

With an FHA loan, lenders aren’t putting their money at such a high risk. They know that if you default on your mortgage, the government will take care of everything, so they do not lose the money they lend to you. 

Imagine a friend asking you to borrow money. You want to loan it to them, but maybe you know that their repayment history isn’t the greatest. You worry you won’t get your money back, so you turn them down. 

What if that same friend’s mom promised to repay you if your friend couldn’t, though? You know their mom is true to her word – she just doesn’t have the funds on hand to loan them at the moment. However, you know she has it and has always taken care of things that she promised to do. 

You’d probably be more willing to loan your friend the money with their mom guaranteeing the repayment. Lenders are the same way. When a loan is backed by the government, they feel more confident about approving it. 

Qualifications for an FHA Loan

In order for the government to back the loan, you have to meet certain requirements. Again, though, these requirements are not quite as strenuous as those with traditional mortgages, but they are as follows.

Credit Score 

Most traditional or conventional mortgages require a credit score of no less than a 620. Some individual lenders require higher ones. With an FHA loan, on the other hand, you can have a credit score of as little as 500. Your required credit score, though, will depend specifically on your down payment.

Down Payment 

As mentioned above, a conventional mortgage typically requires anywhere between 5 percent and 20 percent of the purchase price for a down payment. This can be difficult for people who do not have much in savings.

An FHA loan is a bit easier to manage. If your credit score is a 580 or higher, you can get approved with as little as 3.5 percent. For credit scores ranging between 500 and 579, you’ll likely be required to pay around 10 percent of the purchase price as a down payment. 

Debt-to-Income Ratio (DTI)

Your DTI is the ratio of your debt compared to the income you make. For most conventional mortgages, lenders prefer to see no more than 43 percent. However, this does vary between lenders and some require closer to 31 percent. 

An FHA loan provides a little more variation, though your DTI is still important. The maximum DTI is usually about 57 percent but they generally prefer to see the same 43 percent or less as with conventional mortgages. 

It will depend on your financial situation, your specific lender, and more. The required DTI is usually determined by the applicant’s overall information – there’s not really a set-in-stone number.

FHA loans also typically allow higher borrowing limits. One very important thing to know is that you’ll still be required to carry private mortgage insurance. The length of time you need to carry it will be determined by your down payment amount and more. 

How Do You Apply for FHA Loans? 

The FHA doesn’t provide loans itself. Instead, it approves lenders around the country to provide the loans. You’ll need to check to make sure that the lender you are applying through is qualified in handling FHA loans.

If homeownership is a dream that seems out of reach to you because you can’t meet the requirements of a conventional loan, an FHA loan might be the solution for you. Work with a lender that provides FHA loans to determine if you qualify and, if you don’t yet, what you can do to make it happen.

Things You Can Do When You’re Wanting To Sell Your House

Have you recently begun thinking about selling your home? Especially if it’s your first house, it helps to prepare as well as you can for the big sale. Taking the time to pay attention to certain tasks can help you get the most amount of money for your house possible.

Find Out Your Home’s Value

When you’re just starting to think about selling your house, the first thing you should find out is exactly how much your home is worth. Just because you paid a certain price for your property doesn’t mean that it will stay that price forever. Certain factors can increase or decrease a property’s value over time. If you aren’t sure how much your house is worth, then you can start by contacting specialists like real estate appraisers Dallas TX.

Clean Up the Interior

Getting your home ready to put on the market means that you want it to look its best. Taking the time to deep clean the interior of your house can make it look more appealing to buyers. Over time, things like walls, moldings, light switch panels, and other heavily-used areas can show wear or stains. Look at the condition of each room in your home to see where you could use some deep cleaning or a fresh coat of paint.

Repair Any Necessary Items

Especially when you know your property needs some specific repairs, it pays to complete these before you list your house for sale. New repairs can help increase the value of your home, and neglected items can seriously decrease the value also. Complete the necessary work before you start showing your house to potential buyers.

Many things can be done to a home to make it more appealing to buyers. When you prepare ahead of time, you’re more likely to get more money in the long run.

3 Essential Kitchen Appliances

The kitchen is the cultural hub of your home. Because of this, it is very important to cultivate a good collection of appliances within your home kitchen; your personal culinary workplace. There is a great way for you to do this, and it is by choosing the right appliances for your kitchen. Here are three essential kitchen appliances you need for your home kitchen.

The appliance at the center of every kitchen is the refrigerator. A refrigerator can keep your food fresh for weeks or even months on end. This is very important when structuring your weekly schedule, as it allows you to take fewer trips to the grocery store to purchase groceries. Today, some refrigerators have smart technology implemented, that can inform you of what food is inside and when it should be eaten or replaced.

Another appliance that should be a staple of every kitchen is the washing machine. Many people do not put a washing machine in their kitchen, but doing this is an incredibly efficient use of space for most homes. Additionally, you can put countertops Mequon on top of the washing machine for added utility.

A third appliance that should be included in your kitchen arsenal is a self-cleaning oven. Self-cleaning ovens have been making waves in the industry since their anticipated introduction. They can offer better services than traditional ovens. There are many online resources that can help you learn more about the benefits of self-cleaning technology.

These are just a few of the many appliances you should include in your arsenal of kitchenware. Having many appliances in your kitchen is not only a status symbol to your invited guests but also a useful way to take advantage of space that already exists in your house. It can improve both the ambiance and the utility of your home kitchen.