A Smart Way To Buy A Home

happy couple - home inspection miamiHelpful Information from your friends at Atlantic Building Inspections

Are you considering buying a home? With mortgage rates on the slow and steady incline, there may be no better time for a home purchase than now. Mortgage interest rates will likely continue to go up for the foreseeable future, according to recent data from the housing finance company Freddie Mac. Many housing experts and industry observers agree.

What does this mean?:

If you are thinking about buying a home, it means don’t wait any longer. The overall cost of buying a home in the future will only increase compared to buying a home of the same value today. Furthermore, rising interest rates impact housing inventory, as sellers might not be as interested in moving if it means paying a higher rate on a new mortgage. As a result, the dream home you see today might not be available next year.

The 20 percent down myth:

If you’ve put off buying your next home to save for the full 20 percent there is good news: you don’t need it. If you were unaware of this, you’re not alone. A recent survey found that among first-time homebuyers who obtained a mortgage, 80 percent made a down payment of less than 20 percent. While there are several low down payment mortgage options available, only one has a 60-year history of being a steadfast, smart way to get into a home: a conventional loan with private mortgage insurance (MI).

What is a conventional loan with MI?:

A conventional loan is a mortgage from a lender that is not completely backed by the federal government. For qualified borrowers with a low down payment, private MI is required and typically paid monthly along with the mortgage payment. You can obtain this type of loan with as little as 3 percent down, though buying with a 5 percent down payment will result in a lower monthly payment.

There are other types of low down payment options that also include MI, such as the government-insured loans backed by the Federal Housing Administration (FHA). Unlike the premiums charged by FHA loans, private MI premiums can be canceled once 20 percent equity in home value is reached, and with private MI there are no upfront costs added onto a borrower’s initial down payment like there are with an FHA loan. This means your monthly bill decreases and you have extra money to spend on your family, vacations, retirement and any other needs.

Don’t sit on the sidelines and miss out on your dream home. To learn more about mortgage insurance compared to other low down payment options, visit LowDownPaymentFacts.org. – (BPT)

The Smart Way to Buy a Home

 

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When you or someone you know needs the services of a quality residential home inspection company in Miami FL, we would truly appreciate you thinking of us. You can schedule right from our website or call our office at (786) 477-5975.

Natural Selection: Live-Edge Wood In Home Design

 

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Helpful Information from your friends at  Atlantic Building Inspections

Live-edge hardwood, in which the sides of the slab are left unmilled to retain the natural profile of the tree trunk, is an increasingly popular decorative trend in today’s residential interiors. The technique is not only used for pieces of stand-alone furniture such as tables and benches but also for built-in elements like shelving, mantles, countertops, bars and kitchen islands.

 

“Most mills cut off the rough tree edges, turning the raw timber into neat boards,” says Linda Jovanovich, of the American Hardwood Information Center at www.HardwoodInfo.com. “But the current demand for live-edge slabs has led to a small but vigorous subset of producers who specialize in the category.” These are often boutique businesses that source, dry and mill limited batches of timber for use in furniture of their own design and manufacture.

 

“Some larger sawmills sell live-edge slabs to the public,” Jovanovich continues. “You visit their showroom and pick your own one-of-a-kind piece of ash, cherry, red oak, walnut or whatever other hardwood species they have in stock. A cabinet maker can then custom-make a piece of furniture or a built-in feature to your exact specifications.”

 

Sustainability-minded entrepreneurs are responsible for another niche in the live-edge hardwood market: small urban suppliers that source culled or fallen trees from the backyards of private homes, public parks, graveyards and other leafy locations in their city and its immediate environs. One such enterprise, RE-CO BKLYN in Brooklyn, New York, recently harvested four 12,000-pound logs from a 150-year-old storm-felled elm in nearby Prospect Park. The logs were taken to an upstate mill to be sawn into live-edge slabs and dried before being shipped back to Brooklyn, where they were either sold or used by RE-CO for tables, desks, bar counters, shelves, headboards and other beautiful custom-made pieces it produces.

 

“It was George Nakashima, the legendary Japanese-American mid-century furniture maker, who pioneered the use of live-edge slabs in refined residential settings,” says New York–based designer Glenn Gissler. “Previously, untrimmed wood planks, sometimes with the bark still intact, were used for rustic, log-cabin or ranch-house effects — elements that referenced the traditions, myths, and aesthetics of the American Old West. With his gorgeous large-scale pieces, comprising multiple slabs of characterful woods like walnut and cherry connected with butterfly joints, Nakashima showed us how unfinished natural edges and richly figured knotted surfaces fit perfectly into even the most sophisticated urban interiors.”

 

Today, original Nakashima pieces are highly collectible and command high prices at auction. But his free-edge aesthetic is more influential than ever as homeowners discover the ability of live-edge furniture to work with almost any decorative style. Paired with blackened steel legs, for example, a live-edge slab of burled walnut creates a dining table with loft-worthy industrial chic. Fixed to the bedroom wall, a free-form expanse of warm-toned cherry provides a romantic headboard. Or a hefty live-edge slab of oak, supported on an equally hefty oak-slab base, makes for a monumental console with the presence of a piece of archaic sculpture. New York–based designer Laura Bohn has even used the chainsawed cross-section of an elm trunk — complete with its bark — as a counter top on which to mount a stainless steel powder-room sink. “It introduces a decidedly rustic note into a thoroughly modern space,” she says. “And yet it looks perfectly natural as if it had just grown there of its own accord.” Visit www.HardwoodInfo.com for more about residential design trends and other applications and products using American hardwoods. – (BPT)

DIY Wooden Countertop

 

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When you or someone you know needs the services of a quality residential home inspection company in Miami FL, we would truly appreciate you thinking of us. You can schedule right from our website or call our office at (786) 477-5975.

A Room-By-Room Guide To Decluttering Your Home

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Controlling clutter in your home can be a challenge; 48 percent of Americans say their houses are cluttered with stuff they don’t use anymore, according to a survey by ClearVoice Research. Multiple studies have found a cluttered home can negatively affect your mental and physical health, while a cleaner home can make you feel happier and healthier.

A UCLA study found mothers in cluttered homes had higher stress levels while dealing with their stuff, while an Indiana University study found people with clean houses are healthier than those living in cluttered homes. You may realize clutter isn’t good for you, but it’s not always easy to get organized.

Here is a Room-by-Room Guide to Cutting the Clutter:

Entryway – Basic tactics:

* Decide what belongs in your entryway and what doesn’t. The size of the space will influence this decision. If your entryway is a spacious mudroom, you might choose to store shoes, boots, umbrellas, and backpacks there. If you have a modest foyer, you may decide you only have room for car keys. Remove anything from the space that doesn’t help it serve its purpose in your home.

* Add storage/organization that helps space meet its purpose. Wall-hung key racks can keep important keys at your fingertips. Shoe racks are available in a variety of sizes and styles to fit your space and décor while keeping footwear organized and off the floor.

* If space allows, adding built-in storage such as cabinets and shelves can help keep an entry space organized and visually appealing.

Family room – Basic tactics:

* Assess the kind of clutter that builds up in your family room. Perhaps your clutter consists of children’s toys, magazines, and newspapers, or multiple remote controls for entertainment components. Once you know what kind of clutter you’re collecting, decide if it belongs and must be accommodated, or doesn’t and should go.

* Add storage solutions specific to your needs. For example, storage ottomans can double as extra seating and a place to store frequently used toys. A caddy can keep remote controls organized and at hand.

* Sometimes furniture that’s too large for space can add to the feeling of a cluttered and congested room. Assess your family room furniture. Is it the right size for space, or is it overwhelming the area? Replace overly large furnishings with ones that better fit the room.

* If you have the room for it, a large shelving or cabinet unit can help contain clutter. Add decorative containers to help keep everyday items like toys, magazines and other frequently used items organized on shelves.

Bathroom – Basic tactics:

* Tackle the linen closet and trash any partial bottles of shampoo, tubes of toothpaste and towels that have seen better days. Be brutal. If you haven’t used that half bottle of body wash so far, chances are you never will.

* Clean out your medicine cabinet. Discarding expired prescription medicines can help reduce the risk of someone accidentally taking the wrong medication.

* Showers can be among the most cluttered spots in a bathroom. If you’re ready to take your bathroom organization to the next level, ditch the rack hanging from your showerhead and the precarious corner shelving and upgrade your shower to one with a built-in organization, like Sterling Store+ shower. The showers feature built-in recesses and tracks where you can snap in a variety of storage accessories and shelves, such as a soap dish, storage bin, towel bar or shower hook. The storage is fully customizable, and all accessories are removable and dishwasher safe. Visit www.sterlingplumbing.com to learn more.

Kitchen – Basic tactics:

* Countertops frequently host a wealth of kitchen-related clutter, from the mail you brought in yesterday and forgot to go through too small appliances you use once or twice a year. Clearing off countertops can make a kitchen feel visually more appealing, look bigger and function better. Remove and store rarely used small appliances, ditch the ceramic container of utensils and store those items in drawers instead.

* Pantries and Cabinets can be nearly as cluttered as countertops. Adding shelving and storage units within cabinets can help keep pots, pans, lids, and dishware better organized and more easily accessible.

* Some people need a bit of extra incentive to stay organized. If that’s you, consider replacing solid cabinet doors with glass ones that reveal what’s inside. Knowing the contents of your cabinets are always on display can help inspire you to keep them tidy and organized. Plus, glass-front cabinets are an opportunity to create an appealing visual display. – (BPT)

How To Declutter Your Home in 5 Easy Steps

 

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When you or someone you know needs the services of a quality residential home inspection company in Miami FL, we would truly appreciate you thinking of us. You can schedule right from our website or call our office at (786) 477-5975.

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