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Spruce up your home for spring in just a weekend

3/7/2013

(BPT) - As the weather gets warmer, everything outside becomes fresh and new – so why not make your home as nice inside as the weather is outside? In just a weekend, you can complete a few quick, easy projects that will make a big difference in your space. Get inspired to give your home a spring spruce-up with these handy tips.

Wash away winter grime

The first step to making your house feel like new is to clean. Use a weekend to focus on three main areas: the kitchen, bathroom and living room. In the kitchen, toss expired items from your refrigerator and wipe down the inside with soap and water – don’t forget to sweep underneath and give the coils a good dusting, too. To get the bathroom in shape, replace dingy shower curtain liners, pitch old toothbrushes and other unwanted items and purchase a new toilet brush. In the living room, thoroughly dust light fixtures and blinds, and remove and launder slipcovers on couches or chairs. While you’re at it, don’t forget to replace batteries in your smoke and carbon monoxide detectors.

Time to de-clutter

Still haven’t eaten that candy from Christmas? It’s time to pitch it. Spend a few hours cleaning out kitchen cabinets, cluttered closets and the junk drawer – you’ll feel more relaxed and organized as a result. Once you’ve gotten rid of items you no longer need, refresh shelves, drawers and pantries throughout the house by installing shelf liner. It’s an easy and inexpensive task that can give any space, whether it’s the kitchen, bathroom or laundry room, a new look in a jiffy. Non-adhesive shelf liners, such as those from Duck brand (duckbrand.com), are easy to cut and install. The company’s Smooth Top Easy Liner has a grip bottom, meaning the liner stays in place, with a smooth top, making it easy to clean and wipe off debris. Available in a variety of colors and prints, it’s also a great way to add an unexpected pop of color and personality to your shelves and drawers, providing the perfect mix of fashion and function.

Add some accessories

It’s amazing what a few accessories can do. To revive a room without spending a fortune, attach some new trim to your existing drapes or add new shades to your favorite lamps. Wall decals or stencils are another way to add a personal touch to a room. Highlight your favorite inspirational quote or try an interesting illustration, such as a floral design or a sophisticated chandelier. Stencils and decals are available at local craft stores in numerous shapes and sizes – some are even offered in wall-size shapes, making the project super simple. You can also bring the season inside with spring flowers in a brightly colored vase or buy a new piece of art to hang as a focal point in your room.

Pull out your paintbrush

If you want to go for a more dramatic redo – but one that’s still doable in a weekend – pick up some paint. The warmer weather means you can keep your windows wide open, making it the ideal time to add a fresh coat of paint to your room. For the simplest touch, paint an accent wall instead of redoing the entire room. Pick a vibrant color for some spring cheer or try tackling a decorative painting technique – such as stripes, zig zag chevron or a geometric print – to really make your room feel modern and stylish. To make painting a breeze, use a premium painter’s tape like FrogTape brand painter’s tape (frogtape.com). Its PaintBlock Technology prevents paint bleed, helping to ensure clean, sharp lines. On fresh paint 24 hours old, select the FrogTape Delicate Surface grade for best results.

To really get in the spring spirit, make painting an excuse to have some fun with friends and family. Take turns helping friends with their painting projects and reward the effort with pizza, ice cream or other treats provided by the host.

Whether you’re going for a dramatic makeover or simply giving your home a good scrubbing, find inspiration in these tips to help you make the most of your weekend and get your home in superb shape this spring.

How is home financing affecting recent home purchases? [Infographic]

4/23/2013

The recent national home price index showed signs of a turnaround in the turbulent real estate market, with average home prices rebounding to higher levels in the past months. This, paired with current mortgage rates remaining at historic lows, has many considering homeownership. But deciding to buy a home is just the beginning of a process which can be daunting. To highlight best practices in home buying and home financing, TD Bank created the TD Bank Mortgage Service Index. This national survey of more than 1,500 recent home buyers examined the factors that can contribute to a positive, low-stress home-buying experience. In short, communication is key. Happy homebuyers credit lenders and realtors who are available to explain options in a simple and consistent way throughout the home-buying process.

Greenest of the green: Top efficiency-boosting home improvements

4/8/2013

(BPT) - Forget wondering who’s the fairest; when it comes to choosing home improvements that make your home look good – from the curb and to potential buyers – it may make more sense to ask “Who’s the greenest of them all.” Sustainable home improvements not only help reduce utility costs and boost owner satisfaction with their homes, they also make a house more appealing to potential buyers.

In fact, buyers are willing to shell out up to 10 percent more for new homes certified green, according to a January real estate report by Harvard University. Return on investment for certain types of green improvements – such as replacing older, less efficient doors and windows – also tends to be high, meaning sellers recoup much of the initial cost of the improvement when they sell the home.

If you’re looking for eco-friendly home improvements, these five are among the greenest you can make:

1. Switch to a solar water heater – Switching to solar power for heating water can be a huge energy and money-saver. Solar hot water systems rely on free energy from the sun to heat a home’s hot water. A typical system can use 50 to 80 percent less energy than traditional heating systems, according to Velux America, marketers of solar-powered hot water systems. That reduction can help a typical household trim its annual energy costs by 10 to 15 percent.

“While the initial cost of installing a solar-powered system is often higher than installing a traditional water heater, most homeowners find the energy savings allows them to recoup that cost in just a few years,” says Jim Cika of solar system manufacturer Heliodyne. “What’s more, homeowners may qualify for a federal tax credit of up to 30 percent of the cost to buy and install a residential solar water heating system.” Visit www.solar.veluxusa.com to learn more about solar water heating.

2. Eliminate incandescents – You’ll have to do it soon anyway, so it may pay to start the process now and phase incandescent light bulbs from your home. Federal law banning incandescent light bulbs means that by the end of 2014, you probably won’t be able to find one of the old-fashioned power-guzzlers on store shelves anymore. Instead, more energy-efficient bulbs such as LEDs and compact fluorescent bulbs (CFLs) will dominate the marketplace.

3. Add or upgrade a skylight – Installing a skylight, or replacing an older model skylight with a new Energy Star-qualified one, can help reduce utility costs. The natural light from a skylight can help reduce the need for artificial light sources, thereby paring down electricity costs. When you pair no leak solar-powered fresh air skylights equipped with automatic rain sensors and efficiency-enhancing, energy saving accessories like designer solar powered blinds, you gain a new source of fresh air while improving energy efficiency by up to 37 percent, according to skylight manufacturer Velux.

And, in addition to long-term savings, the cost of solar powered skylights and blinds, as well as installation costs, are eligible for a 30 percent federal tax credit as a green home improvement. For a tax calculator that will show you the tax benefits of new or replacement skylights for your home visit www.veluxusa.com.

And, if you would like to see exactly how skylights would look in your home, there’s an app there that allows you to take pictures inside your home and superimpose skylights and blinds on the image of your ceiling.

Sunlight entering the home through a skylight can help reduce winter heating bills. EnergyStar.gov says installing an EnergyStar-qualified skylight, windows and doors can trim a home energy bill by 7 to 15 percent over non-qualified products. Visit www.EnergyStar.gov to learn more.

4. Replace an old HVAC system – In the typical American home, up to half of total energy consumption goes to heat and cool the house, EnergyStar says. Replacing old, inefficient heating, ventilation and cooling systems with newer, more efficient models can dramatically reduce a home’s heating and cooling costs.

5. Upgrade old windows and doors – A home can lose a tremendous amount of air – hot in the winter, cool in the summer – through poorly sealed doors and windows. Older units, obviously, tend to be less energy efficient than newer ones. Upgrading from drafty windows and doors to more air-tight models can result in significant savings on your heating and cooling costs.

What’s more, replacing windows and doors are among the home improvements that deliver significant ROI at the time of resale. Replacing old windows with new vinyl ones can recoup more than 71 percent of the cost when you sell; 73 percent for wooden replacement windows, according to Remodeling Magazine’s Cost vs. Value Report. And installing a new front door earns you back nearly 66 percent for a fiberglass door and a whopping 85.6 percent for a steel door.

Curb appeal: 2013's hottest home improvement trend

3/12/2013

(BPT) - The busy home remodeling season is a great time for homeowners to focus on increasing curb appeal. The percentage of homeowners who feel now is a good time to spend money on home improvement has doubled since 2009, according to a recent survey among Better Homes and Gardens readers. Considering two of the top four features consumers have on their wish lists for their next home are low maintenance exteriors and a private backyard, high-performance products that come in a variety of colors, textures and designs are expected to be in high demand this year.

“Based on these survey results, we’ve found that many of our readers want to refresh what's already there,” says Jill Waage, editorial director for home content, Better Homes and Gardens. “Perhaps they’re looking to dig out that hidden sophistication of a mid-century home, or they might have a classic and want to bring out the character a bit more. Beyond the facade, our readers also really love outdoor living spaces; they see their yard as an extension of the indoors.”

From small touch ups to large renovations, projects such as replacing boring and beige with colorful vinyl siding and trim, updating entryways with bright front doors and shutters, and sprucing up outdoor living areas can make a big difference in the look of your home and neighborhood.

“Homeowners want it all in 2013; low maintenance products that perform and style that breaks the cookie-cutter mold,” says Jerry Blais, vice president of marketing for Ply Gem Siding Group, a division of exterior building products manufacturer Ply Gem. “Colorful vinyl siding options in different styles, combined with complementary trim, stone veneer and designer accents that set your home apart are in demand for home improvements.”

Consider these upgrades to get magazine-ready looks for your home exterior.

Make a grand entrance

For experienced DIYers considering a weekend project, painting the front door or replacing shutters is a simple solution with dramatic results. These small changes create a focal point for the house and provide a warm, inviting appearance with a modern feel. Brands such as Mastic Home Exteriors by Ply Gem offer shutters in dozens of pre-selected colors, or can be painted for a custom look.

Other subtle improvements like adding modern lighting fixtures, detailed railings, a new mailbox, stone columns or house numbers can also go a long way in enhancing a home’s custom look.

Whole-home overhaul

For those ready to create a whole new style, installing new siding and trim can infuse life into a bland exterior. Vinyl siding, stone veneer and designer accents have evolved over the years, with vastly expanded color palettes, easy maintenance and a natural look. By incorporating cellular PVC trim as an accent to vinyl siding and stone – around windows, on dormers, eaves and gables – even the most discerning homeowners can enjoy a sophisticated look that’s also low maintenance.

To help with exterior color selection, look to free Ipad applications like Ply Gem’s Mastic Color Advisor. Design guides are also available for inspiration and recommendations on how to make the most of cellular PVC trim, with styles such as gingerbread, modern, rustic, colonial and much more.

The great outdoors

The perfect addition to any exterior design renovation is an outdoor living area to entertain friends, enjoy a summer barbecue or just relax with the newspaper. To extend your interior space to the outdoors, consider projects such as installing an outdoor fireplace or kitchen with durable stone veneer, or a low maintenance vinyl privacy or picket fence.

To find design inspiration and product ideas for these and other exterior projects, visit www.plygem.com. Whether you’re looking for a small refresh or a completely enhanced look, many of this year’s hottest home design trends are waiting outside.

The timeless appeal of hand-scraped hardwood floors

3/12/2013

Texture is quickly becoming the new “color” in home decorating, and nothing shows off this trend better than hand-scraped hardwood floors. This floor style has a timeless appeal that speaks to the revered tradition of early American craftsmen who used hand tools to smooth rough-hewn planks into the rustic floors we still admire today.

The hand-scraped technique when applied to floor boards accentuates the natural attributes of wood. Distinctive grain patterns, knots, wormholes, and other character markings are even more visually striking on a contoured surface. Light hits the broad, shallow grooves on each scraped board, creating depth and revealing texture. The effect is subtle but leaves the unmistakable impression of warmth and time-worn charm.

Now you can bring the beauty of a vintage hand-scraped floor into your home without scavenging architectural salvage yards or searching for reclaimed wood from old barns and farmhouses. American Scrape is a unique collection of richly textured hardwood floors inspired by the beauty and diversity of the American landscape. In this new collection, individually scraped wide planks in random lengths create the custom look of a vintage, hand-scraped floor without the custom price.

The wood species selected for this line offer rustic features presented to great advantage with the hand-scraped technique. American hickory has an unrefined appearance and is one of the hardest domestic hardwoods. Oak is a popular species for hardwood flooring, and it’s also highly durable. Hickory floors are available in both engineered and solid planks. Oak is available only in solid construction.

This collection features 5-inch wide planks in 10 vibrant colors – chosen to reflect the natural colors found in some of the most beautiful areas of the country: the Sierra Nevadas, New England seaports, Midwestern grain fields and the Louisiana bayou. All of the hardwood floors in American Scrape have a lifetime urethane finish for superior scratch and stain resistance, and the collection is backed by a Lifetime Limited Residential Warranty and a 10-year Limited Commercial Warranty.

Decorating styles

What types of decorating styles will a hand-scraped wood floor complement? Almost any style. From traditional to urban, and from rustic to quaint French country. This flooring style is sure to incorporate the rich history and beauty of nature into your interior designs.

Moving? Tips to make the most of your DIY move

5/21/2013

(BPT) - New jobs, first jobs, relationships and looking for a change in weather – these are just a few reasons people have for moving. Most families move during the warmer months, and many choose to move to warmer locations.

“Atlanta is still the top location to move to, and six other warm weather destinations help round out the top 10 moving destination list,” says Don Mikes, senior vice president of truck rental for Penske. “We’re seeing patterns in our 2012 consumer truck rentals of people moving south for more warmth and sunshine.”

Penske’s top 10 moving destinations for 2012 were:

1. Atlanta

2. Dallas/Fort Worth

3. Phoenix

4. Orlando, Fla.

5. Chicago

6. Houston

7. Denver

8. Seattle

9. Charlotte, N.C.

10. Sarasota, Fla.

If you're planning a move to any state this year, Penske, which has been renting out moving trucks to do-it-yourselfers for more than 40 years, offers some advice:

* For long-distance moves, a moving truck is a must. But even if you're just moving across town, renting a moving truck makes sense. Making multiple trips can be exhausting - not to mention the gas you'll use and the greenhouse gases your vehicle will emit on multiple trips. Reserve your truck at least two weeks in advance of moving day – Penske guarantees a truck for every reservation. A 12- or 16-foot truck works for moving a few large items or the contents of a small condo or apartment. For guidance on larger moves and which truck to choose, visit www.PenskeTruckRental.com.

* Pack in increments. Start early to avoid the stress of last-minute rushing. It's OK to leave a box open in case you need something you've packed inside it; it's much easier to tape a box shut on moving day than it is to pack at the last moment.

* Buy sturdy boxes in a variety of sizes, along with foam and bubble wrap to protect fragile items. You'll also need a good supply of packing tape and markers for sealing and labeling boxes.

* Make sure you have moving blankets and hand trucks on moving day to make the process easier.

* Purge before packing. It's much easier to throw away, donate, sell or give away items that you don't need than it is to pack them and move them. As a rule of thumb, if you haven't used something in the past 12 months – or it's still packed in a box from the last time you moved – you can probably get rid of it.

* Label boxes as you pack. First, list the room that the contents belong in, and, if necessary, a few details such as "glass," "fragile" or "dishes." As you load the truck, try to keep boxes from each room grouped together.

* Load the heaviest items onto the truck first to create a sturdy base, then start stacking on top.

* Moving trucks are taller, wider and heavier than the passenger vehicles you are used to driving. They require more distance to stop. Be extra careful driving your moving truck, especially after it's loaded. Be aware of low-hanging tree branches and building overhangs, and use caution when cornering. Park only in well-lit areas and keep the rear door padlocked and the passenger compartment doors locked.

Finally, create a travel bag for moving day and keep important paperwork, credit cards, identification, a change of clothes, beverages and snacks close at hand. You can find more moving tips at www.PenskeTruckRental.com.

Green home improvements that can make a real difference in home value

1/24/2013

(BPT) - What your home is worth to you is one thing; what it’s worth to someone else may be totally different. If you want to boost the value of your home for yourself and in the eyes of others, one of the best ways to do that in today’s real estate market is to make green home improvements.

Going green can mean a lot of things, and it’s easy to start with small changes like switching to compact fluorescent light bulbs and unplugging appliances when they’re not in use. Not only will you be doing good for the environment, you might end up saving on utility bills and, ultimately, increasing your home’s value when the time comes to sell.

Green projects aren’t all necessarily in the do-it-yourself category, and making an investment to have the bigger jobs done right will pay off in the long run.

“It’s important for homeowners to consider cost-saving efficiency projects as part of their overall home renovation plans,” says RE/MAX CEO Margaret Kelly. “And a trained real estate agent will be able to identify the projects that cut current expenses and pay potential dividends when you’re ready to sell.”

Getting started now – even if that just means planning – is a good idea, particularly if you’re thinking about selling in a few months’ time. Talk to a real estate agent about what improvements are popular among potential homebuyers, and consider these ideas:

* Insulation: Regulating the hot air your home lets in during the summer and lets out in the winter can have a short-term impact on your heating and cooling bills. To find out whether you need additional insulation in your attic or walls, order an energy audit. Perhaps you could benefit from adding blown-in insulation to your walls. If your attic is unfinished, it’s particularly important to make sure that it’s appropriately insulated to avoid wasting energy.

* Windows: Caulking and putting up energy-saving window film is a great start, but a more dramatic change might make a world of difference if you want to make a sale. Replacing your existing windows with high-efficiency versions can be an expensive proposition, but the return on your investment can be dramatic, particularly if you’re hoping to attract buyers.

* Landscaping: While planting isn’t always possible in the coldest months of the year, putting together a plan for energy-conscious plantings is a great idea. Consider adding trees that will bring shade to the sunniest spots, like the west side of your home, to cut summertime electric bills. Trees that lose their leaves in the fall will let light in during the winter, as opposed to evergreens which will block it throughout the year.

* Water: Take the first step by turning down the temperature setting on your water heater. For more savings, consider replacing older heaters with energy-efficient models or even solar water heaters. Adding insulation to your pipes can also make a difference in how much energy is used to heat water.

Most homeowners put a lot of effort into making their homes attractive, welcoming spaces. With green updates, you can make your home not only more comfortable and more energy-efficient, but also more appealing to buyers. Add the potential energy savings and the possible boost in home value and you have even more reasons to bring your home into the green age.

For recommendations about making your home green, talk to a knowledgeable real estate agent. Green agents at RE/MAX have a commitment to sustainability and specialized knowledge that you can tap into when making improvements. To learn more or to find an agent in your area, visit www.remax.com.

Save a bundle by bundling insurance

1/29/2013

(BPT) - Bundling insurance products with one company – and scoring cheaper premiums as a reward – isn’t a new concept. But, according to a recent study by J.D. Power and Associates, not only is bundling still popular among consumers, it also results in higher customer satisfaction.

The study found that nearly 60 percent of customers bundle auto and homeowners policies with the same insurer. When customers need additional products – such as motorcycle, boat and life insurance – 77 percent of them choose to bundle. The study notes that insurance bundlers also tend to be more satisfied with their insurers overall, not just with the premium discounts they’re getting.

Charles Valinotti, Head of Underwriting & Product with insurer QBE, says bundling insurance policies offers other benefits besides lower premiums.

“Customer convenience is one advantage,” says Valinotti. “It’s easier to manage insurance policies when you don’t have to work with multiple insurers. And if you have a claim, you just need to call one company.”

Bundling might also give you an edge when you file a claim. Valinotti says insurance companies are interested in keeping your business and will be open to renewing policies when there’s a loss – unless it’s something extreme.

How can you get the biggest bang out of your insurance bundle? Valinotti suggests:

* Take a look at all your insurance policies. If they’re not with the same insurance company, you could be losing as much as 25 percent in bundling discounts on each car, as well as on your homeowners policy. Think about including your life insurance, as well, which could result in another 2 to 5 percent in savings.

* Consider adding an umbrella policy. If you own your home, an umbrella policy gives you extra liability protection on your home and car, and might earn you even more discounts to your homeowners and auto insurance.

* Research options for renters. If you don’t own your home, bundling may still be an option. Look into bundling a renters policy with your car insurance, which might result in as much as a 20 percent discount on your auto coverage. Because renters insurance is inexpensive, it may almost pay for itself by savings through bundling.

* Investigate bundling with business policies. If you have a business, find out whether bundling your business policies will qualify you for discounts on your personal insurance.

Valinotti cautions that some auto or home insurance bundling discounts might not be available to people with poor driving records. He also advises not to base decisions on price alone. “Customer service is just as important to consider,” he says.

Valinotti adds, “Make sure you speak with your agent about all available bundling options and choose those you’re most comfortable with.”

It's all in the details - how to accessorize your home exterior

4/2/2013

(BPT) - When considering exterior home improvements during spring and summer, many homeowners go for updates such as the replacement of siding or windows. These projects can make the home look great while boosting energy efficiency, but no matter how much homeowners invest in siding or windows, it will only look as good as the trim used to complete the job.

Trim products are designed to be used around windows, doors, eaves and gables, and for application on your home’s corners and porch columns. Many installers opt for basic corner posts, J-channels and finishing accessories, which are functional, but also detract from the home’s overall style. Going beyond the basics is very affordable and can make a big difference in your investment.

“One mistake that homeowners and contractors often make in an exterior remodel is finishing a beautiful window and siding replacement with basic or inexpensive trimwork,” says Steve Moore, architect with BSB Design. “Working with your contractor to accessorize with high-quality, low-maintenance trim around windows, doors and the roofline helps complete the look and enhance architectural features. Trim and mouldings are the glue that ties the look together.”

Whether you prefer a modern, traditional, rustic or Victorian style, there are many trim options on today’s market to consider, including products made of wood, aluminum, fiber cement, engineered wood and vinyl, each with their own unique features. But if you want the look of real wood without the maintenance or having to replace in a few years, turn to building products manufacturers like Ply Gem that now offer cellular PVC trim with a 30-year warranty. Features of this material typically include a wood grain or smooth finish option, natural wood dimensions and resistance to rotting, cracking and splitting. Due to the superior material, paint will also adhere better and stay bright longer than painted wood.

Cellular PVC trim and moulding products are easy for your contractor to install, and are engineered to work with virtually any siding type, including vinyl siding, stone veneer, brick, fiber cement and stucco.

“Since trim is incredibly visible, it should be chosen with the same care as siding,” says Jerry Blais, vice president of marketing for Ply Gem siding group. "The use of low-maintenance products like cellular PVC trim and mouldings really give homeowners a durable and versatile option for making the home exterior stand out from the crowd. The product can also be painted to complement other exterior materials such as windows, vinyl siding, stone veneer, shutters and more to create a cohesive design.”

To achieve that cohesive exterior home design, Ply Gem and BSB Design recommend first determining the type of architectural style you are trying to achieve, traditional or modern. This will help narrow the options for not only trim style, but also window grille patterns, color, siding type and accessories like shutters.

To help provide inspiration, design guides are available for recommendations on how to make the most of cellular PVC trim and other exterior products with various architectural styles. Once you have a style, consider ways to accessorize your home with trim:

* Accent arched windows on Georgian or French architectural styles

* Differentiate with decorative gable details for home styles such as folk, shingle, Victorian or craftsman

* Add wide trim with a keystone to carry out a Tuscan look when combined with arched windows and stucco siding

* Use cellular PVC sheet in wide areas, such as wainscoting, on bay windows or under eaves for a gingerbread look

* Detail porch columns with pre-formed post wraps

If you want to see how your home would look with a makeover, tools like The Designed Exterior Studio on www.plygem.com allow homeowners to virtually customize exterior home designs. Tools like this and more can help show the difference the details make, so if you’re considering an exterior remodel or new build project, do your research to find the best options and speak with your contractor to make the most of your investment – from trim to siding to windows and beyond.

What to do with all this stuff? Moving tips for newlyweds

3/6/2013

(BPT) - Wedding day traditions vary ever so slightly from decade to decade based on music, fashion and cultural change. However, today’s newlyweds have a distinct issue that their parents probably didn’t face a quarter century ago – which sectional couch stays, and which one goes?

Today’s wedding registries are still chock-full of china, saucers, spatulas and the like, but chances are your newlywed friends have already accumulated many of life’s necessities as a result of living on their own for years before marriage.

A recent survey of first-time newlyweds by the Centers for Disease Control and Prevention shows the median age of people marrying for the first time in the U.S. is at an all-time high. And while the percentage of young men and women living with their parents has risen in the past decade, more than 80 percent of Americans ages 25 to 34 live independently before marriage, according to Census Bureau reports.

So, what does a couple do when faced with duplicates of nearly everything before moving in together?

“Detach,” is the advice from Sean E. Burns, a psychologist with Counseling Associates of West Michigan.

"Try to respect the fact that some people will build emotional attachments to items,” says Burns. “However, you must jointly establish reasonable limits. Otherwise, you risk associating sentimental value to everything in an effort to avoid difficult decisions.”

Melanie Bergeron, former CEO and current chair of the board for the nation’s largest franchised moving company, Two Men And A Truck, suggests a successful move begins with an open mind.

“I was 30 years old and my husband was 40 when we got married, so we had a lot of duplicates on that first move,” Bergeron says. “All my decor was light and contemporary and his was dark antiques, so I was certain we had a decorating nightmare on our hands. In reality, we ended up finding a happy medium and gave away those items we didn’t absolutely need. So, rule No. 1 is to keep an open mind as you combine homes.”

Bergeron suggests these additional tips to make your first nesting experience as painless as possible:

Duplicates to dollars: Take a pen to paper and lay out your combined inventory a month before your move day. This way, you can begin to visualize what goes where and what duplicates can end up on Craigslist to build funds for items you haven’t yet acquired.

Box yourself in: Once inventory is complete, decide what will go where and organize everything in boxes that are clearly marked for each room. The more direction you can provide your movers, the faster your move will go and the less it will cost. Contact your local Two Men And A Truck moving company to have all your moving supplies delivered in advance for free.

Purge before you merge: De-junking before moving day is critical to streamlining belongings. Most movers estimate jobs by the hour, so the more you can clean out beforehand the less time it will take to move.

Sweat the big stuff: If you can’t afford to hire a moving company for all your belongings, consider hiring professionals for just heavy, bulky items. In an effort to save money, you have to consider the favors you’ll be forced to ask, the pizza and beverages you’ll need to buy and the anxiety that comes with every hardwood ding and drywall puncture. Before you rent that truck yourself, call for an estimate; the time and money saved will be better spent celebrating your nuptials.

For more moving advice, visit www.twomenandatruck.com.

Sell your home faster with these cost-effective staging tips

4/16/2013

(BPT) - Appearances count, especially when you’re trying to sell a home. Even though the housing industry experts predict this spring will be a seller’s market, it’s important to grab every advantage when you’re trying to sell your home. Staging – decorating a house to appeal to the broadest possible range of buyers – can make the difference between a quick sale or a long, painful linger on the market.

Fortunately, many of the most effective staging trips are also inexpensive, from a thorough cleaning to decorator details. Here are five staging tricks that don’t cost a bundle:

1. Cleanliness counts – Nothing turns off buyers faster than a dirty house. Before you list your house, give it a thorough top-to-bottom cleaning – something that costs nothing but the price of supplies if you do it yourself and a couple hundred bucks, tops, if you hire pros to do it for you. Don’t overlook little details like baseboards, ceiling fans, blinds and shower doors. Include decluttering in your cleanup efforts, and remove excess items from your home, even if you have to rent a storage unit to do it.

2. Work those walls – Painting is one of the cheapest, easiest ways to help your home look fresh and great. Choose neutral colors that will appeal to the broadest range of buyers. Don’t forget that neutral doesn’t have to mean bland, either. Consider dressing up an accent wall, easily and cost-effectively with repositionable wallpaper or a removable wallpaper mural. Websites like MuralsYourWay.com offer a wide variety of repositionable wall coverings, called SmartStick, in a variety of designs. A patented adhesive makes it easy to install the mural – creating an eye-catching focal point for any room – and remove it later if buyers decide they don’t want it. It’s a great way to get a designer look at a fraction of the cost – and without the commitment of traditional wallpaper.

3. Fix up the fireplace – Sure, you’re heading into summer selling season, but fireplaces charm buyers no matter what the weather. Make yours look its best. Old brick fireplaces can get designer flare from a coat of paint. If your fireplace is wood-burning, remove and clean the screen. If it looks tired and rusty, give it a fresh look with a coat of heat-resistant spray paint. For gas fireplaces, keep the glass clean and make sure everything is in working order. For a nominal cost, you can install a remote starter – a winning feature for buyers who can envision themselves starting a fire without ever having to leave the comfort of their couch.

4. Spruce up outdoor living spaces – If you have a deck or patio, do whatever it takes to spruce it up, from power-washing pavers and deck boards to staining tired-looking wooden decks. If you don’t have a patio or deck, and don’t want to spend a lot of money adding one, you can still create an appealing outdoor seating area. Mark off an area using stones or plastic edgers near the house or in a shady spot in the yard. Fill in with pea gravel or wood chips, then add an attractive bistro set – with umbrella – to create a pleasant seating spot.

5. Brighten the bath – Bathrooms and kitchens sell houses, yet many sellers are reluctant to sink any additional money into staging a bathroom. You don’t have to spend a bundle to make your bathroom more appealing. After a deep cleaning, invest in some designer towels that only come out for showings. Put up a fresh shower curtain and get rid of those nasty area rugs that will make buyers think “germs.” Add a small vase of fresh flowers on the vanity. Bring in more natural light by removing blinds and ensuring privacy with removable film that makes windows look frosted. Have a bathroom that doesn’t have windows? You can really brighten it – and make a designer statement – by placing a removable wallpaper mural on the ceiling. Pick a sky scene with fluffy clouds on a blue background and you can even brighten a windowless powder room.

Staging a home can help make it more appealing to potential buyers, and ensure you sell it faster.

Four ways to drought-proof your yard

2/6/2013

(BPT) - The past few years have not been kind to lawns and gardens across the country. The summer of 2012 brought severe drought to much of the Midwest and a good portion of the country continues to experience drought conditions. Homeowners have two choices in dealing with drought: try to water enough to keep grass and plants alive and looking good, or implement long-term changes to make yards more resistant to extremely dry and hot spells.

Fighting drought can be time-consuming and expensive. With forecasters and scientists predicting warming temperatures and more extreme weather events as the new normal, there’s plenty of evidence to suggest that droughts could become more common and severe in the future. Making some changes to your approach to landscaping can keep you from worrying about your water bill and the well-being of your lawn when the weather isn’t quite cooperating.

Here are four ways to drought-proof your yard:

* Choose your plants wisely. You may want to choose plants solely based on aesthetics, but picking plants that thrive with less water is the key to keep your yard looking good no matter the conditions. Talk with the experts at your garden center about which types of plants make the most sense for your climate, and which ones might be a little more drought-resistant than others.

* Go easy on the grass. For some it’s hard to imagine a picturesque yard without a lush and expansive yard. But the truth is, a green lawn usually requires a lot of water to maintain. The Southern Nevada Water Authority estimates that every square foot of natural grass replaced with less water-dependent alternatives saves 55 gallons of water per year. If you don’t want to part ways with your lawn in favor of natural landscaping that’s more water-friendly, you have another option: synthetic turf.

Any sports fan would know that synthetic turf has come a long way over the years, and now looks more natural than ever. Companies like Synthetic Turf International (STI) specialize in providing synthetic turf for residential and commercial uses that looks and performs like natural grass that could save 99,000 gallons of water each year for an average lawn of 1,800 square feet. The SoftLawn product from STI requires virtually zero maintenance, can be easily maintained with a leaf blower and is made from 100 percent biodegradable or recyclable materials. Considering the average homeowner spends 150 hours a year maintaining his lawn, you can save a lot of time and money by going synthetic. Examples of synthetic lawns can be found at www.synthetic-turf.com.

* Add mulch. Covering the soil around your plants with a layer of mulch or compost can help improve water retention, inhibit growth of water-hungry weeds and cool soil temperatures to keep your plants comfortable when temperatures rise. Natural mulches break down and are absorbed into your soil, which means there’s little maintenance besides adding a new layer when appropriate.

* Make your water work harder for you. No matter what you do to drought-proof your lawn, you’ll likely still have to do some watering. Drip irrigation systems can make your water go further by applying it directly to the root of plants. If you’re watering by hand, water in the morning when temperatures are cool, and apply water to the soil rather than directly to the plants. Installing a rain barrel is a great way to put the water that runs off your house to good use – and you can use that water even if watering restrictions are in effect.

If you’re tired of maintaining your yard when the mercury soars and the rain stays away, it might be time to adjust your planting strategy this spring to make your yard naturally resilient. Most drought resistant improvements are good for the environment too, allowing you to feel good while you also save yourself time, money and effort.

Go green and live comfortably all year long

3/18/2013

(BPT) - Milder temperatures and longer days mean winter is fast becoming a distant memory. However, environmentally conscious homeowners know that the arrival of warmer weather also means the likelihood of increased air-conditioner use and higher energy bills.

With more green solutions available on the market, homeowners can make informed decisions of how to "green” their home while living comfortably all year long and saving money. Simple and inexpensive changes, such as replacing incandescent light bulbs with compact fluorescent lights, can make a noticeable impact on monthly energy usage. Some homeowners also consider installing small roof-mounted, solar hot water systems to minimize their carbon footprint and utility bills.

While these eco-solutions can help homeowners make the transition to living green, one area that homeowners usually do not consider is their home’s envelope – that is the home’s walls, windows, ceiling and floors. The U.S Department of Energy Savers suggests that air leakage from these areas can account for up to 40 percent of the energy lost by your home. When considering the amount of energy lost daily due to air leakage, homeowners are potentially losing thousands of dollars annually on air that is escaping their home.

Although it may not be top-of-mind, homeowners can tackle air leakage several ways. Double glazed windows, originally designed for extreme climates, are an increasingly popular and effective way to help minimize air leakage in a home. The U.S Department of Energy Savers says that air leakage through windows equates to around 10 percent, therefore considering high-performance, low-emissivity, double-glazed windows can help homeowners conserve energy, reduce heating and cooling bills as well as add value to their home, according to InsulationSmart.com.

Another effective consideration is replacing a home’s traditional batt insulation with a high-performance spray foam insulation. Spray foam insulation, such as Icynene, is a valuable solution for homeowners who want to make eco-friendly improvements to their home. Able to perform in all climates, spray foam insulation in a home allows homeowners to use their heating and cooling systems less, and enables them to effectively control their indoor environments.

As a modern insulation solution, spray foam insulation expands rapidly to completely seal a home’s walls, floors and ceilings to prevent air leakage. Insulation experts from Icynene note that quality spray foam insulation can noticeably reduce heating and cooling costs, in some cases by up to 50 percent. Additionally, spray foam insulation helps minimize random airborne moisture and pollutants from entering the home, ideal for anyone currently suffering from seasonal allergies. More information on how spray foam insulation can help homeowners minimize air leakage is available online at www.icynene.com.

A borrower's guide to impressing a mortgage lender

3/5/2013

(BPT) - Who doesn’t like to make a good impression? Whether it’s a first date, meeting the future in-laws for the first time or interviewing for a job, making a good first impression can pave the way for some of life’s happiest experiences. That’s especially true for home-buyers, whose ability to secure their dream home depends on first impressing a mortgage lender.

In many areas of the country a seller’s market is emerging, with lower inventory of desirable homes and rising prices, according to the National Association of Realtors. That means increased competition for buyers, and more sellers giving preference to buyers who approach the bargaining table with their finances in order. Real estate experts and finance pros alike agree: It pays to get pre-approved for a mortgage when you’re in the market to buy a home.

Gone are the days of easy approvals, no-money down mortgages and sub-prime borrowing, thanks to the Great Recession. Borrowers today need to show sound financial management skills and good credit in order to secure the best financing deals. If you’re in the market for a mortgage this spring, here are some steps you can take to impress potential lenders:

* Examine your credit – Your credit status is key to securing a mortgage. The higher your score, the better your chances of securing a mortgage for the amount you need at the terms you want. You should monitor your credit year-round, and take a critical look at things when you know you’re going to be house-shopping. Pay all your bills on time, pay down credit card balances and keep an eye on your ratio of credit available to credit used. Websites like freecreditscore.com can help you understand your credit and make informed financial decisions. You can track your credit score and report over time, and see how your financial behaviors impact your credit.

* Stay at your current job – Long gone are the days when lenders signed off on mortgages without adequate proof of employment and income. Any mortgage company you apply to will want to see that you have a reliable work history and income. If you know you’ll be buying a house this year, now is not the time to switch jobs. If you know you’ll need to change jobs in 2013, consider putting off a house purchase, especially if you may need to relocate for a new job.

* Cap other spending – Excessive spending in the months leading up to your mortgage application may make a lender question your ability to manage debt. When you know you will be applying for a home loan, reduce other spending. Avoid large credit purchases if possible. If you must use credit for a purchase, consider how it will impact your credit. Freecreditscore.com has a patented Score Planner that lets anyone visiting the website see how their financial behaviors can affect their credit score.

* Save up a substantial down payment – It’s harder than ever to get a no-money-down mortgage. Many lenders have stopped offering them at all. To maximize your chances of getting a good mortgage deal, you’ll need about 20 percent of the purchase price for a cash down payment. Beyond helping you secure financing, there are other very good reasons to save for a down payment. First, it will help you get into the habit of saving for a goal. And, when you do buy a house, the down payment helps ensure you have instant equity – and ultimately reduces your monthly payment.

Securing financing before you go home shopping can help you make the most of your opportunities, and helps you move quickly when you find a house you want. By taking a few steps to impress potential lenders, you can make your mortgage application process a successful one – and secure the keys to your dream home.

On the move? Use these packing tips and tricks

5/14/2013

(BPT) - Let’s face it – moving is hard. Along with the stress of leaving a familiar place and adapting to new surroundings, moving means packing, loading, transporting, unloading and unpacking everything you own – as well as everything you forgot you owned.

While relocation may never be completely carefree, there are ways to ease the anxiety. A well-thought-out approach to boxing up belongings can help simplify the moving process and bring you one step closer to making your new house a home.

* Box it up. To be prepared for packing, seek out a large quantity of clean, sturdy containers in a variety of shapes and sizes. When selecting boxes, you may choose to purchase new ones, helping to ensure they can withstand the rigors of moving. You can also purchase dividers, which come in handy for packing glasses and other small, fragile items. No matter what you are using, remember not to over-pack. As a general rule, heavier items should be placed into smaller boxes to avoid too much strain on the box (and your back).

* Leave it. The easiest packing is no packing at all. Moving is the perfect time to clear the clutter out of your life. Before boxing up your belongings, decide what to keep. Clothing and housewares in good shape can be donated, and broken or unused old items can be tossed or given to someone who can repurpose them.

* Mind the supplies. The right tools can go a long way toward easing the moving process. Pick up plenty of quality wrapping material, like Bubble Wrap Brand cushioning, as well as strong packaging tape to help make boxing up your belongings a painless process. Don’t get caught up in common frustrations that cause stress and waste time, such as tape that constantly tear or splits or struggling to find the tape end. Choose a quality tape, like Duck brand EZ Start packaging tape (packagingtape.com), for your moving needs; the brand’s Frustration Free special release technology ensures that you never lose the tape end. And EZ Start unrolls smoothly and easily, without splitting or tearing.

* Organize and prioritize. Pack from room to room and label boxes based on box contents, where boxes will be unpacked in the new location and priority. EZ Start packaging tape provides a solution here, too – with different prints to choose from, boxes can be organized and prioritized according to the particular design used.

* Get help. Be organized to help the entire moving day run smoothly, so that your volunteers aren’t waiting around for a job to do. Providing tasty snacks and drinks is a thoughtful way to say thank you, as are gift cards for coffee, movie theaters or their favorite stores.

* Pack a survival kit. Moving can be exhausting, and an all-day move may not wrap up until late in the evening. Don’t spend your first night in your new home unpacking. Instead, pack a survival kit or an “Open Me First” box with essentials to get you through that first night. Make sure to include some fun items, such as your favorite movie or a batch of brownies, to reward yourself for a hard day’s work.

Moving day may never rival a beach vacation, but these simple tips can make it a lot less stressful and help you enjoy your new home faster and easier.

Make exterior trim part of home remodeling

4/12/2013

(BPT) - As existing home sales continue to climb and housing prices increase, remodeling is also on the rise, according to the Joint Center for Housing Studies of Harvard University. Owners of older homes are investing more in home improvement projects that add beauty and value, especially with environmentally friendly products.

Most homes, no matter how well maintained, will need some exterior trim replaced from time to time. Traditional wood trim boards can split, crack and rot over time, as a result of damage from the rain, snow, wind and sun.

Replacing old or damaged exterior trim with engineered wood composite trim is one way homeowners can preserve design integrity, while remaining committed to green building principles.

Check your exterior trim

Take a few minutes this spring to walk around your house and inspect your exterior trim. Look closely at the trim around your windows and doors, at the corners, and near the roofline. Pay special attention to peeling or blistering paint, green algae, warped boards, and spongy or soft spots. Also, check for termite damage, which creates more damage to U.S. homes than fire, floods and storms combined.

There are several options for replacing your existing trim. Although traditional wood trim often looks good when first installed, it can split and swell, and is prone to knots and defects. Other materials, like PVC and fiber cement trim, have performance limitations and may pose installation challenges.

“Like many home products, exterior trim has evolved over the years,” says Peggie Bolan, vice president, building products, for JELD-WEN. “Today, homeowners can choose engineered products that last long and provide resistance to moisture, rot, termites and temperature extremes not found in other materials.”

During extensive renovation of their 1830s Greek Revival-style farm house in Clifton Park, N.Y., Paul and Joanne Coons used more than 1,000 linear feet of MiraTEC Treated Exterior Composite Trim around windows, doors and other areas.

“We reviewed several trim options, but we liked MiraTEC because it is a wood composite that doesn’t contain oil or vinyl like PVC trim, and it is manufactured with less embodied energy than products like fiber cement, which also creates a lot of silica dust when it’s cut,” says Paul Coons, who is also a retired director of environmental health and safety from the New York State Office of Mental Health.

With a clear cedar, wood grain texture on one side and a contemporary smooth finish on the other, MiraTEC trim suits any home style. It is most often used for roofline fascia, soffits, window and door trim, corner trim, dentil, gables, column wraps, trim along porches and similar architectural components.

Joanne Coons, an environmental science teacher at Shenendehowa High School East, adds, “MiraTEC trim fit well with our priorities – it is not only a green product but it also provides a nice, clean look that complements the home design. Overall, we also anticipate low maintenance and less frequent painting compared to wood.”

Replacing your exterior trim is a great way to give your home a nice, clean new look. And, it can be done with the environment in mind. To learn more, visit www.miratectrim.com.

Stylish stairs: Five can-do ideas that add personality

3/19/2013

(BPT) - Stairs are no longer just a way to get from one floor to another. Realizing that staircases are quite often major focal points in their homes, homeowners are showing love to this once underappreciated space with a wide variety of creative and easy updates.

Add personality and perk-up the daily climb in your home with these five do it yourself projects.

Walls that wow

In most homes, the staircase is the centerpiece of your entryway and serves as the first impression. Transforming this space into an extraordinary one is easy by painting a bold accent wall. To add extra panache and go beyond the expected look of one solid color, paint the wall next to the stairs or the landing with an eye-catching pattern using a premium painter’s tape, like FrogTape Multi-Surface. Pick a pattern that packs a punch, like an all-over diamond motif, geometric shapes, or classic stripes, which complement staircases well. The patented PaintBlock Technology applied to the edges of FrogTape helps prevent paint bleed and leaves precise lines, keeping your pattern looking sharp.

Dazzling photo display

If you already love the current color on your staircase wall, you can easily add a personal touch by creating a photo gallery. It’s easier than ever to find inspiration and instructions for this project – simply visit Pinterest.com to view countless ideas and find one that works with your design style and space. The key to creating an impressive photo gallery is to keep one element consistent throughout. Whether it’s the color or material of the frames, or the shading of the photographs, having a uniform component allows the finished product to look polished and intentional, instead of haphazard.

Rethink risers and steps

For an unexpected update, focus your attention a bit closer to the floor. The area of your stairs that really takes a beating are the risers. Breathing new life into them can be accomplished easily with a fresh design. No need to stick with neutral shades. Risers are the perfect place to tie in a daring pattern. Opt for a chevron or Moroccan design with colors consistent with your home’s interior to achieve your decorative stairs.

Another stair expression is to apply a haute pattern directly on your steps for a faux carpet runner look. Paint your stairs with the base color of your choice and opt for a diamond motif or patchwork design. Be sure to protect your work with two coats of polyurethane when your design is complete.

Modern touches

The spindles between the treads and banister on a staircase are there to protect people – especially children – from falling off the sides, and are an easy item to swap out for a more up-to-date look. Simply remove the old spindles, which are typically held in place with a few nails. Clean up the wood around the spindle holes and scrape off any old stain, dust, dirt and sand around the tread for a tighter fit.

When shopping for new spindles, choose from these styles to take your staircase from boring to extraordinary:

* Swirls to add a hint of elegance

* Spindles with shapes such as diamonds or squares

* Outwardly curved designs

* Twisted styles

No more wasted space

Reclaim unused space under a staircase by adding storage. If it’s hollow underneath, remove the drywall to create an instant mudroom by installing cubbies to store coats, shoes and other items. Another option is to transform that once wasted space into a nook to meet your family’s needs. Whether you long for the perfect spot for reading, a desk to keep paperwork and bills organized, or a secret play space for kids, the ways to utilize this area are endless.

With a little inspiration and elbow grease, it’s simple to add the perfect dose of personality to your staircase. For more information about FrogTape, visit frogtape.com.

Top remodel trends for the modern home

4/15/2013

(BPT) - Thanks to foreclosures and short sales, home buyers are snatching up great houses at reduced prices and remodeling to create stylish modern homes. Lucky for those buyers, many of today’s top trends are relatively easy to recreate, and will add re-sale value to their homes.

“TV interior design shows are mostly about buying and remodeling a home, versus building from scratch or finding a new property that precisely fits a wish list with plenty of personal requirements,” says Dani Kohl, program coordinator for the bachelor of science in interior design program at The Art Institute of Indianapolis and a practicing architect and interior designer.

The top remodeling trends include:

* Uniting the kitchen and living space for an open-floor concept

* Culture dictating an increase square footage for entertainment, haven from a busy work schedule or modern luxuries

* Finding multi-functional uses for both spaces and furniture

On average, Kohl’s residential clients are spending about $40,000 to $60,000 to renovate and remodel their homes. Most of the money is spent in the kitchens, master bedrooms and bathrooms.

“Gone are the days of the formal dining room and living room,” says Kohl. “Walls are being knocked down to join the two rooms.”

Parents want to be able to cook while watching kids do homework or entertaining guests. Kitchen islands most often serve as the main division between kitchen and living space, and are the entertainment centers of a kitchen.

“Kitchen islands are looking more like free-standing furniture pieces with elaborate marble tops and wood work, and interior designers are often finding functional yet hidden places to store the trash can and keep the dish washer from view,” Kohl says.

Pedro Lima, an interior design instructor at The Art Institute of New York City and owner of Pedro Lima Interiors, says that temporary partitions between the living space and kitchen are also on the rise. These partitions can be of varying heights, whether it’s a two-way fireplace or modern book shelving. Partitions are a great option for homeowners who want that open-floor plan for the kitchen and living room, while still maintaining a defined space for each.

Lima says that our current culture and habits are driving the changes in modern, interior spaces.

“When it comes to the master bedroom, we are looking at a more pampering atmosphere,” he says. Both Kohl and Lima agree that clients want more of a spa-like feeling than ever before to create a bedroom that is a safe haven for over-worked homeowners.

“Master bedrooms now have their own seating areas and entertainment nooks, and have become personal spaces away from everything,” Lima says.

An increase in square footage for closet space is another popular request, according to Lima. “We, as designers, are now looking into proper modular systems of rods and shelving, in addition to our architectural and design duties.”

Closets are not just for storage anymore, either. “Now, we’re looking at closets to serve as a dressing space in addition to serving as a place to store an increased amount clothes and shoes.”

How are clients gaining square footage for the needs of today’s residential space without making a complete renovation and creating add-ons to their homes?

Lima says that downsizing to accommodate upsizing is part of the remodel plans too.

“Designers are spending more time at looking for innovative ways to add versatile furniture that serve multifunctional purposes,” he says. “For instance, coffee tables also serve as storage spaces and additional seating, wall units have built-in desks, and couches open up to beds in home offices.”

Whichever remodeling trend homeowners choose to apply, all trends point toward integration, simplification and organization, as homeowners seek to enjoy their homes and share it with family and friends.

Selling your home? Make it more appealing to buyers

4/10/2013

(BPT) - You’ve made the decision to sell your home – now you want to position yourself for a quick and successful sale. What’s the most important thing you can do to entice buyers?

“The most important thing you can do is to make your home look welcoming when people drive by,” says Kimber Powell, Realtor and sales manager for Coldwell Banker Mid-America Group in Altoona, Iowa.

“You want to invite them in. Make sure your front door looks nice. Trim and landscape your yard. Accent your entryway with a new door mat and pots of flowers that contrast with the color of your home,” she says.

Follow these tips to position your house for a successful sale:

Enhance curb appeal

A well-maintained house appeals to more buyers and can sell faster and may sell for a higher price, according to Realtor.com.

Maximize your home’s exterior appearance. Keep the lawn and landscaping edged, cut and watered. Inspect doors, windows, trim, foundation and siding for peeling paint. Repaint and replace items as needed. Clean out gutters and replace missing caulk and shingles.

Declutter inside

Make your home look bigger by removing clutter and storing personal items and extra furniture before prospective buyers arrive. Make repairs where needed, Powell advises.

“Repairs are ongoing maintenance needs that show your home has been well-cared-for and kept up-to-date,” she says. “Most potential buyers want turn-key homes that are easy to move into.”

Repaint dingy or stained walls with a neutral shade of paint. Repair cracks or holes in walls, ceilings, tile and woodwork. Replace broken items and consider updating worn-out cabinet knobs, dated curtains and battered bath and kitchen hardware.

Show lifestyle possibilities

Create a lifestyle story to help buyers envision themselves living in your home. Have a small kitchen but a big deck? Focus on outdoor entertaining by adding lights, comfy cushions and showcasing grilling areas, Powell recommends. If you love your neighborhood, highlight a front porch with wicker furniture and window boxes.

“You want to show buyers the ways they can use the entire home and yard,” Powell says. “If you don’t have outdoor furniture or decorations, work with a stager to borrow those items.” Or consider borrowing items from friends or family to get your home staged for sale.

Highlight quality brands

If your home features or you’ve replaced items with high-quality brands, like Pella Windows and Doors, include their names in your home’s sell sheet, Powell says.

“People are very conscious of name brands and high-quality products. They also want to know about energy-saving benefits and warranties that may transfer to them,” she says.

Windows, door replacement

Projects like window and door replacements can recoup more than 70 percent of their cost at resale, according to the National Association of Realtors and Remodeling magazine’s 2013 Remodeling Cost vs. Value Report.

Whether you’re preparing your home to sell, or updating it to live in longer, Pella offers low-maintenance, energy-efficient vinyl, wood, and fiberglass replacement windows and doors that can help improve your home’s curb appeal, and help lower utility bills.

“Stylish exterior doors that look like wood, with the minimal maintenance of fiberglass, are popular replacement options,” says Kathy Krafka Harkema, Pella spokesperson. “Plus, fiberglass offers exceptional energy efficiency, weather resistance and outstanding durability.”

Pella fiberglass entry doors offer many prefinished options, as well as custom colors so you can design a door that truly reflects your home’s style.

As housing market warms, keep these buying tips in mind

2/27/2013

(BPT) - Ready to buy your first home, or move up to a larger home for your expanding family?

Home sales seem to be finally warming up after a five-year chill, as demand gradually builds among first-time homebuyers and existing homeowners seeking more room. Historically low mortgage rates, rising rents and relatively positive economic indicators are enhancing consumer confidence and driving the trend, according to the National Association of Realtors (NAR).

As demand grows, home prices for a median existing home are expected to rise as much as 5 percent nationwide in 2013, according to the NAR. This should encourage existing homeowners who’ve been patiently sitting on the sidelines to consider putting their homes on the market.

Even though the outlook is looking brighter, Daniel Watkins, an attorney who specializes in real estate law at the Watkins Firm, APC in San Diego, says the hurdles to buying a home in today’s market are significantly higher than they were a few years ago.

“The big hurdle is financing. Expectations among lenders and sellers are a lot higher today,” Watkins says. “If you’re serious about buying a home, you need to have a sizeable down payment, a good credit score, low debt and a solid track record of employment to qualify for a loan.”

Lenders are paying close attention to buyers’ ability to repay a loan, according to FindLaw.com, the nation’s leading legal information website. The generally accepted principle is that no more than 30 percent of a household’s take-home income should go toward the principal, interest, taxes and insurance.

Here are some tips from FindLaw.com about buying a home within the next six to nine months:

Start planning now. Even if you’re a year or more away from buying a home, start preparing now. Build up your cash for a down payment plus other expenses that come with owning a home. Check your credit report for accuracy. Pay all your bills on time and zero out all credit card debt. And don’t take on new debt, like a large car payment.

Get a pre-approval letter. Home sellers want to know that you can get a loan to buy their home. It’s OK to window shop, but don’t make any offers unless you are certain you can obtain financing. After shopping around for a financial institution, get pre-approved for a home mortgage. Showing a seller a pre-approval letter will increase your chances of your offer being accepted. And don’t be surprised if the seller or his real estate agent contacts your loan officer to verify that you’ve been pre-approved.

Build a strong buying position. As the home market warms up, bidding wars will become more common. However, the highest bid doesn’t always win in today’s housing market. Instead, home sellers want to know the deal will go through with smooth sailing. So, today, the highest value is being placed on non-contingent offers (not contingent on the sale of your home), pre-approved financing, higher-than-normal earnest money deposit and personalized bids (share with the seller why the home would be a perfect match for you and your family).

Get a lawyer. In some states, the law requires that a real estate attorney be part of the process of making an offer and reviewing loan documents as part of the closing, according to FindLaw.com. Where a real estate attorney isn’t required, buyers and sellers should consider seeking legal assistance for relatively more complicated real estate transactions, such as purchasing a property directly from the homeowner, the purchase of a rental property, a short sale or the purchase of a foreclosed property.

Learn about the neighborhood. When you buy a home, you’re also buying into a community. Start your home search by first targeting a neighborhood where you want to live. Avoid neighborhoods where homes are not being kept up, or yards are full of old cars and junk. Check out the schools, too. Great schools attract families, and keep up home values. Avoid busy streets, homes under flight patterns or near railroad tracks. And contact the local police department for crime statistics and the location of nearby sex offenders.

Keep your emotions in check. If you’ve found a home you like, don’t fall in love with it yet. Make sure your offer is contingent upon a satisfactory home inspection conducted by an inspector that you hire (not the seller).

Save some extra money. Whether you’re buying your first home or your third, moving and getting a household established can cost more than you anticipated. Make sure you save enough extra money to redecorate your new home to fit your lifestyle, and to pay for unexpected repairs.

To get more information about buying a home, visit www.findlaw.com.

Tips to navigate the real estate landscape and find the perfect home

5/1/2013

(BPT) - For most Americans your home is the biggest ticket item you will ever purchase. It’s no wonder that people can take months, and sometimes even years, to find the perfect home. When you walk into a house that’s on the market, many times the homeowner or real estate agent has “staged” it to ensure that you focus on the home’s greatest assets and overlook its flaws. Your job is to look past all that to see if this house is right for you.

Annette Lawrence, academic director of design programs, at The Art Institute of Ohio - Cincinnati, and Marissa Alexander, interior design program coordinator at The Art Institutes International Minnesota, offer these tips to navigate the real estate landscape.

Before you ever step out of your current home, make a list says Alexander. Your list should include one column for “must haves” and another for “wants.” “The wants you can compromise on,” advises Alexander. If you know what you are looking for and what you can’t live without, it’s a lot easier to find it.

Many people get caught up on the basic aesthetics of a home. “The paint is not a big deal,” says Lawrence. “Countertops are not a reason to choose a home or cross it off your list.” The shag carpeting can be ripped out and replaced. These are all easy fixes.

You should beware of the fixes that can break the bank. Will the roof need to be replaced? What about other big-ticket items like the heating and cooling system? Does the perimeter of the house slope toward it? That could mean flooding during a heavy rain. And what about the structural integrity of the foundation? A good inspector will spot the red flags and could keep you from making a costly mistake. That inspector will also check the chimney, the insulation in the attic and the gutters and spouts.

And there are things you can check on before you call in an inspector. “If you want to know whether a floor is warping, just take a ball and roll it across the room,” says Alexander. If it doesn’t roll straight across, it could signal issues with the foundation.

Figure out what kind of layout you want for your house. “Ask yourself what kind of floor plan you like,” says Lawrence. “Those are the kinds of things that are costly to change.” If the floor plan is right for you, the cosmetics will be a fairly easy and inexpensive fix.

While you may think that this home purchase will be one of many, you should consider the possibility that this could be your home for decades to come. That’s why Lawrence is a big proponent of finding a home that allows you to “age in place.” She suggests you find a home with a first floor master bedroom and laundry room. Also consider how many steps there are from the driveway into the home. Are the hallways and doorways wide enough for a wheelchair or a walker?

Even if you do not think you’ll need these accommodations, consider your home’s “visitability.” If you have elderly relatives or friends with disabilities, are they going to be able to come to your new home? “My grandmother was one of my most frequent guests,” explains Lawrence. “I had low lighting and had painted the walls dark colors. Consequently, she couldn’t see too well when visiting.”

Mix and match trend revolutionizing deck design

3/4/2013

(BPT) - When it comes to fashion faux pas, the only thing worse than clashing patterns is overly matching every item. Mixing and matching creates exciting contrast – and not just when you dress yourself, but also when you “dress up” your home. The trend toward mixing colors and materials has made its way outdoors, with enterprising homeowners getting creative with their decks.

When it comes to building a deck, or refurbishing an existing one, options abound. Design choices beyond simple considerations such as wood or composite, square or rectangular, open the door to creative outdoor environments that are truly unique and reflect your personal style.

The deck design experts at Deckorators point to several popular looks emerging in the mix-and-match trend:

Mixed materials

Retire that old rule that says all the materials you use for your deck must match. Your railing no longer needs to be made from the same material as your decking. Pairing wooden deck planks stained in a natural hue with a metallic railing and decorative balusters creates a fresh, exciting look. Dress up basic wood and vinyl deck posts with fiber-reinforced concrete postcovers that provide the look and feel of real stacked stone.

An inset of deck stones in the floor creates contrast and interest – as well as a functional, durable spot for outdoor kitchens, grilling areas and raised fire pits.

Pairing metal or glass balusters with a wood or composite railing is another striking way to add personality to a deck. The combination is the perfect marriage of rustic and modern, incorporating the classic natural appeal of wood with the modern flair of metal and glass.

Playing with color

Metal balusters also allow you to experiment with color. Available in finishes that mimic popular metals such as bronze, copper and stainless steel, as well as basic black or white, metal balusters also resist insect damage and rot – making them practical as well as pretty.

There’s also no rule that says all your balusters have to match. For even more personality, try mixing balusters: alternate different styles of glass or metal, or mix regular metal or glass balusters with lighted balusters. Using energy-efficient LED technology, lighted balusters connect to a standard 12-volt power source to create a soft glow.

Exploring accessories

Accessories like post caps and planters are great ways to enhance a deck’s visual appeal and usability. While metal and glass post caps are traditionally thought of as great complements for metal and glass balusters, they can also add pops of color to a monochrome deck. Available in a variety of colors such as copper, pewter, black and white, metal post caps also coordinate well with wood and composite deck materials.

Or, for an even more colorful accent, consider glass post caps. Deckorators offers a line of glass post caps that mimic timeless Tiffany styles. They are also available in basic colors and styles, as well as illuminated versions that coordinate well with regular or lighted balusters.

While you’re experimenting with accessories, don’t overlook the opportunity to mix things up with a variety of sizes, shapes, colors and materials for built-in planters and seating.

Need help visualizing how your deck might look all dolled up using the mix-and-match trend? Deckorators offers a simple online tool, the Deck Visualizer, which allows you to mix different decking, balusters and post caps and see in advance how your personalized outdoor space might look. Log on to www.deckorators.com to learn more.

Staging on a shoestring: Tips from the pros for quick home sales

3/14/2013

(BPT) - The real estate market is starting to show signs of improvement, which is welcome news for people wanting to sell their homes. This positive momentum alone isn’t enough to close a deal, though – a homeowner must make their properties appealing to potential buyers so they stand out from the competition. The good news is it’s easy to create an appealing atmosphere with a few staging tips and tricks from the experts.

“When people ask what is most important about home staging, I say, ‘delete, delete, delete and clean, clean, clean’,” says Cathy Mansour, an interior designer and director at Aqua Hospitality Carpets. “You can’t be too tidy or too well-scrubbed.”

Start by eliminating all clutter. Not only does it make your home look unorganized, clutter also makes it look much smaller. Pack away papers, knickknacks, excessive photography or decor, and extra furniture. Uncluttered rooms highlight the space and personality of a home so buyers take notice of these attributes rather than the cluster of family photos or stack of magazines on the coffee table.

Once clutter is gone, it’s time to assess the flooring. More buyers desire carpet because it is comfortable, reduces noise and improves indoor air quality. Sellers should highlight this feature.

“Carpet is warm and inviting in a family room,” says Karen Dembsky, owner of Peachtree Home Staging and president of Georgia Real Estate Staging Association. “Area rugs over hard surface floors make the room look smaller.”

While clean, fresh carpeting is an asset when it comes to selling a home, any floorcovering can be a drawback if it is dirty, dated or has an odor. Have carpets professionally cleaned before opening your doors for showings. The Carpet and Rug Institute (CRI) recommends hiring only reputable carpet-cleaning professionals who will use effective cleaning solutions and equipment to do the best job possible. Ask about training and certifications, and whether a cleaner will come to your home for an inspection first to determine what type of cleaning or repair is required, including any stain treatments. Visit www.carpet-rug.org to find cleaning professionals who use CRI-certified carpet cleaning products as part of their cleaning process.

If repairs can’t be made, the carpet will need to be replaced. Dembsky stresses carpet is one of the most cost-efficient upgrades you can do when staging your home for sale. “Replacing carpet – you can always get your money back,” she says. “Just don’t put it in the bathroom – buyers don’t like that.”

Once your home is clean and clutter-free, it’s time to let in the light. Dark houses look drab no matter how stylish or clean they are. Pull back drapery, turn on the hallway sconces and update wattages on dim bulbs. About 100 watts per 50 square feet is a good target. If you have outdated lighting hardware or lampshades, consider affordable replacements – it’s typically an easy update that transforms a room instantly.

Once you let in all that wonderful light, some walls may look dated. A fresh coat of paint can liven up a room and make it look modern and clean. While there’s often no need to repaint every interior wall, focusing on rooms where walls are dirty, damaged or feature a dated color can give your entire interior design a facelift.

What paint colors are best for attracting buyers? Stick to neutrals like warm honey or soft green so potential buyers can easily envision their own furniture and decor in the space. If you have a smaller home, consider painting adjacent rooms or spaces the same color. For example, a small dining room and a small kitchen painted in the same color tricks the eye so the space appears larger than it actually is.

Finally, remember sight isn’t the only sense you want to stimulate when it comes to selling a home. How your house smells can make it appealing or distasteful to potential buyers. “Smells are a huge factor . People are often unaware that there is a specific odor,” says Mansour.

Because it’s difficult to distinguish different scents in our own homes, invite a few guests over to give their honest opinions. A deep cleaning of any textiles as well as a few fresh flowers should do the trick. Before you know it, you’ll be reviewing bids and moving forward on the sale of your home.

Entice buyers into your home with aromatic scents

2/19/2013

(BPT) - When a home smells good, it makes a favorable impression on visitors. This is exactly what home sellers want when they put their house on the market.

The concept of ambient fragrancing started to trickle into the real estate market years ago. Savvy real estate agents advised sellers to bake cookies or cinnamon rolls in the homes they were showing to create a comforting, deliciously scented atmosphere meant to entice buyers. If you're trying to sell a home in today’s challenging real estate market, you may have tried this technique. However, with the excess of available homes, you may need to think a bit more creatively to make your home stand out.

The essential oils used in the practice of aromatherapy offer a more practical and potent way to use scent marketing to move buyers to feel good about a property. Tiny amounts of familiar, tempting aromas like cinnamon, clove, vanilla and orange, can fill a whole house with pleasant ambient fragrance. An added bonus is that essential oils are all-natural and distilled from plants. They are less likely to elicit the kind of adverse reactions that harsh synthetic fragrances do.

Aromatherapy expert Tom Havran has several ideas to help you sell your home. He crafts blends for Aura Cacia, purveyor of 100 percent pure and natural essential oils and aromatherapy products. A passionate expert on the properties of essential oils, he has been crafting essential oil blends for 15 years.

His first suggestion is an easy and sleek way to create a warm, comforting atmosphere that can help put potential property buyers at ease. Havran recommends using vanilla essential oil blended with jojoba for this first recipe.

Vanilla Amber Aroma Crystals

Ingredients:
1 cup coarse-grained, chunky sea salt
1 teaspoon jojoba or grapeseed oil (just enough to make the salts glisten and gleam)
25 drops vanilla precious essential oil
10 drops lavender essential oil
10 drops sweet orange essential oil

Directions: Mix salt and oils, pour into a decorative dish or bowl and set out on a table. Placing the crystals in a warm sunny window or near a heat register will help diffuse the delicious aroma throughout the room. Stir in additional essential oils to boost the scent as needed.

Fresh flowers and bergamot vacuum powder make a light and transparent floral/citrus scent that will create a cheerful, friendly and clean atmosphere to impress visitors. Since you need to vacuum before each property showing anyway, this is a great way to turn the chore into a smart real estate marketing move.

Flowers and Bergamot Vacuum Powder

Ingredients:
1 cup baking soda
35 drops bergamot orange essential oil
5 drops ylang ylang or neroli (orange flower) essential oil

Directions: Mix baking soda and essential oils in a canister and lightly sprinkle over carpets, then vacuum.

Because essential oils are so concentrated, a little goes a long way. An initial investment in a small 1/2 ounce bottle of oil will provide you with enough applications to conduct dozens of open houses.

Using essential oils to craft your own bit of psychological scent marketing might provide a good return on a small investment. Aromatherapy may give you that much-needed unique and surprising edge-up on the competition. Learn more at www.auracacia.com.

Three home improvement tips to help you breathe easier

5/2/2013

(BPT) - One in five Americans suffer from allergies, according to the Asthma and Allergy Foundation of America (AAFA). As the 2013 allergy season begins, experts warn that it may be one of the worst in recent years, with people experiencing an unusually strong reaction due to increased tree pollen.

But little attention is paid to the impact of indoor air on allergies, asthma and general health. We spend an average of approximately 90 percent or more of our time indoors, according to the Environmental Protection Agency (EPA). The EPA reports that “indoor levels of pollutants may be two to five times higher, and occasionally more than 100 times higher, than outdoor levels.”

How does this impact your next home improvement project? A survey by Angie's List revealed Americans spend more than $300 billion annually on remodeling projects. Yet these endeavors typically focus solely on a home’s aesthetics while ignoring one important consideration: Is your home healthy?

Start at the bottom

We all want beautiful floors in our homes. Many people, however, don’t realize that some new flooring can threaten your indoor air quality. When flooring is installed, you may notice an odor for a few days or even weeks. The odor might mean noxious gases are emitting from the materials used during installation. And these emissions, particularly those resulting from volatile organic compounds (VOCs), could potentially have serious, long-term effects on your health - as well as an immediate impact on the health of family members with asthma or allergies.

The good news is gorgeous flooring options are now available that are certified “asthma and allergy friendly” by the Asthma and Allergy Foundation of America. In 2010, Tarkett Flooring committed resources toward developing flooring solutions which help people breathe easier. The company’s FiberFloor is the industry’s only residential flooring currently certified by the AAFA. To earn this certification, the flooring underwent rigorous testing by the AAFA and successfully met the following criteria:

* Installation of the flooring does not result in elevated levels of chemicals.

* The flooring has a low capacity for retaining allergens.

* The recommended cleaning of the flooring will not result in exposure to airborne allergens.

Additionally, other flooring options offered by Tarkett, such as its luxury vinyl tiles and planks and laminates, are FloorScore-certified by the Resilient Floor Covering Institute (RFCI) together with Scientific Certification Systems for better indoor air quality.

Tarkett’s “iSelect” program simplifies flooring options and introduces customers to an interactive, multi-faceted shopping experience. The system begins with six inspirational color families: Champagne Celebrations, Hushed Conversations, Earthy Connections, Evening Receptions, Fireside Chats, and Warm Gatherings - each offering its own feel and color space to help you find the perfect floor to meet your design, durability and health needs while also coordinating with your existing furnishings and adjoining floors.

Spring for PVC-free accessories

Did you know that your shower curtain can be one of the greatest sources of noxious gas in your home? Many homeowners purchase PVC shower curtains and liners because of their functionality and ease of cleaning. However, according to “Practically Green,” a website for people interested in green living, a recent study “found that 108 different volatile organic compounds, including those known to cause developmental, liver, nervous system, respiratory and reproductive damage, were released into indoor air by PVC shower curtains.” Replacing current shower curtains and liners with PVC-free products are quick and inexpensive fixes that will make your bathrooms healthier for the whole family.

Manage mold and mildew

If you’re noticing moisture or mold building up on your windows, have your home checked by an energy rater or a building analyst. To prevent moisture from getting in your windows, select windows made with double pane, insulated glass to create an insulating barrier and keep moisture, mildew or mold from developing. For added energy savings, you can opt for a Low Emissivity or “Lo-E” coating to keep heat from radiating beyond the side of the window where it originated. You’ll save on your heating and air conditioning bills while also minding your health.

Home improvements should be a proud reminder that your home is your castle and you treat it well. This year, consider investing in simple projects that can also improve the health of the castle’s residents.

Moving or improving? Tips for a flawless painting project

2/7/2013

(BPT) - Did you know spring is the best time to sell your home? And now that the housing market is bouncing back, there’s never been a better time to do it. But even if you’re planning to stay put for the long haul, chances are there are some much-needed touch-ups you could be doing to keep your home in tip-top shape. And you don’t have to break your back, or the bank, to do it. In fact, adding a new coat of paint is a quick, affordable, and possibly the most impactful, way to get your project done.

Prep, prime and primp

Misusing color can be a surefire way to turn people off from your home. For a more inviting look that nearly everyone can enjoy, opt for neutral paint colors. A subtle beige, slight grey or even white can do the trick.

First, move furniture out of the room and place drop cloths to protect the floor. Remove any picture frames, outlet covers and wall decor. Then, gently scrub the walls with a mild detergent and water mixture using a soft sponge to remove any dirt, grime or lint. Don’t forget to prime your walls before applying color to ensure the best end-results.

Paint like a pro

For an ultra-smooth finish, try Purdy’s line of Ultra Finish roller covers. These premium microfiber roller covers, available in 9-inch lengths and varying nap thickness, provide an even release of paint and deliver a consistent application from start to finish. Plus, they work great with any kind of paint and finish, including satin, semi-gloss and gloss, taking the guesswork out of the DIY equation.

When applying paint, start at the top and work your way down. For superior results, you’ll want to fill the well of your roller tray with paint, dip the roller in half-way and then roll it back onto the tray’s angled platform to easily remove excess paint. This will reduce dripping and improve overall paint cover. The best approach for applying paint? Use your roller cover to make an overlapping “W” pattern in a 2-foot by 2-foot area; then fill in and repeat.

For smaller interior paint projects or tight spaces, Purdy also has a variety of innovative mini roller choices that are versatile, lightweight and can quickly and easily deliver a perfect finish with smooth rolling action. These combined features make them the ideal applicator for a variety of projects like painting doors and cabinets, to freshening up tables, chairs and even bedroom furniture.

Keeping your color conviction

If you’re still feeling deprived of color after your painting project is complete, never fret. There are several ways to add a pop of color throughout your home without slathering the walls with offensive paint colors. Try incorporating fun accent pieces in your favorite colors – think lamps, frames, pillows and rugs. You can even include larger focal pieces like royal blue armchairs or a patterned couch to make a bolder statement. By keeping the overall aesthetics of your home neutral and inviting, and enhancing them with a few sight-provoking embellishments, house guests will be asking you for home decorating tips. And if your end goal is to get your home sold, consider these minor improvements a step in the right direction.

Give your home a fresh look with color

4/12/2013

(BPT) - A fresh coat of paint can give any room an instant lift, making it a great solution for converting a space from drab to fab.

Though neutrals reign as America’s most popular paint choices, the National Home Color Survey from Sherwin-Williams shows people are becoming bolder with color. Three-in-four homeowners indicate they want to incorporate more color into their home, most commonly in their living room, bedroom and kitchen.

“Colorful paint is an easy and inexpensive way to stylishly transform a space,” said David Bromstad, HGTV(R) star and celebrity interior designer. “Set the mood for a room with a splash of color and you’ll spice up your space like a design pro.”

Bromstad offers the following tips for anyone looking to add color to their home:

* Identify a colorful object as the focal point of the room. Select bold items to build your room around, such as a piece of artwork, rug or chair that really makes a statement.

* Use a color palette to guide design choices. HGTV(R) HOME by Sherwin-Williams takes the guesswork out of choosing colors with coordinated collections of color, paint and wallpaper designed to flow beautifully throughout your home. Mix and match the colors to help guide your wall, furniture and accessory color choices.

* Coordinate your color transitions. For high-impact transitions, combine bolder shades with their more neutral counterparts and for a more tranquil transition, stick to softer or lighter shades that are from the same color family.

* Highlight unexpected areas. Turn ordinary areas like ceilings, banisters or door frames into extraordinary spaces. If you want to keep walls neutral, paint a piece of furniture, such as a chair, headboard or the back of a bookshelf.

* Use colorful patterns for the illusion of space. Horizontal stripes can help small rooms feel more spacious, while vertical stripes can add the illusion of height to low ceilings.

“Every colorful room adds personality to a home, from playful to serene to luxurious and beyond,” said Bromstad. “That’s what’s great about paint colors; they allow you to express yourself through your home.”

For more tips and color inspiration, visit sherwin-williams.com/color.

Five home improvements for the love of spring

2/19/2013

(BPT) - Improved value, curb appeal and livability are the benchmarks for any smart home improvement. But some upgrades you do for the sheer joy of it. The best home improvements deliver all those smart qualities and speak to your heart at the same time.

With spring home improvement season approaching, here are five home improvements that you can do for the love of spring – and the love of your biggest investment:

Add/replace a skylight

Abundant natural light and fresh air are among the joys of spring, and replacing an old, energy-inefficient skylight, or adding one where none existed before, is a great way to welcome sunlight and spring breezes into your home. Sunlight’s positive effect on mood is well-documented, and adding a fresh-air skylight, which comes with a screen, offers other health benefits as well. Opt for an energy saving solar powered fresh-air skylight and you can enjoy the benefits of passive ventilation to reduce humidity and stale air in your home along with more natural light.

From a practical standpoint, installing an Energy Star-qualified skylight like those made by VELUX America can help you control heating, cooling and lighting costs in your home. Replacing an older, less efficient skylight with a new solar-powered, fresh-air skylight, with a rain sensor, can also ensure your home stays protected from spring showers. You can also choose solar powered blinds for even more energy efficiency, and both are eligible for a 30 percent federal tax credit. To learn more about energy-efficient skylights, visit www.veluxusa.com or energystar.gov.

Add/improve a deck

The trend toward outdoor living spaces continues, with decks being one of the most sought-after amenities among home buyers. In fact, adding a wooden deck can recoup more than 77 percent of the deck’s cost when you sell your home, according to Remodeling Magazine’s Cost vs. Value Report.

If you don’t already have a deck, adding one – whether wood or composite – not only enhances your home value, it will be a great place to celebrate the arrival of spring. If you already have a deck, consider value-enhancing upgrades like new balusters, lighted post caps, built-in seating and even planters.

Install a kitchen backsplash

Spring brings a bright, colorful feel to the world and you can easily incorporate that sentiment into your kitchen by adding a backsplash. A project easily within the capabilities of most do-it-yourselfers, backsplashes are both functional and decorative. Granite, ceramic or glass tile protects the wall behind the range or cook top from splatters of food or grease while brightening valuable workspace and serving as a visual focal point for the room.

Great kitchens sell homes, and the room is one of the most-used in any home. Upgrading your kitchen is almost always a good investment, one that improves resale value and your enjoyment of your home.

Upgrade bathroom floors

Bathroom renovations are also popular and a minor bathroom remodel can return more than 65 percent of the cost at the time of resale, according to the Cost vs. Value Report. While replacing countertops and fixtures are common remodeling tasks in a bathroom, don’t overlook the biggest surface in the room – the floor.

Many modern builders install vinyl floors in bathrooms because they are durable and cheap. Switching out this common material for stone or ceramic tile is a great way to brighten the room and give your bath a whole new look.

Improve your entryway

Your front door and entryway are the first impression visitors have of your home’s decor. A welcoming entry invites guests in and gives you a mood boost every time you walk through it.

This year, celebrate spring by replacing an old worn wooden door with a sturdy, decorative steel door – an improvement that recoups nearly 85 percent of its cost when you sell, according to Remodeling Magazine. To really celebrate spring, add a screen door. You’ll be able to let in fresh air and spring breezes while keeping insects out. Plus, a screen door is essential Americana, creating a welcoming openness that epitomizes the joy of spring.

How to be the buyer every seller wants to deal with

5/6/2013

(BPT) - For years, the real estate market has been a buyer’s world, with ample inventory, fewer qualified buyers, and highly motivated (read: desperate) sellers. This spring, some signs are pointing to a shift back toward a seller’s market. If you’re shopping for a home this spring and summer, chances are you’ll face increased competition from other buyers.

So how do you ensure you not only land the home of your dreams, but get the best possible price from the seller and the best possible mortgage deal from your lender? By becoming the buyer every homeowner wants to sell to – a financially stable, credit-worthy, pre-approved purchaser.

“Just as lenders consider many factors beyond your credit score, when deciding whether to finance your home loan, sellers consider more than just the offering price when evaluating potential buyers,” says Barrett Burns, president and CEO of credit score model developer VantageScore Solutions. “Buyers who can move quickly and decisively, who walk through the door with their financing lined up and their credit in good shape, are best positioned to stand above the competition this year.”

Steps toward being a better buyer

You can be a better buyer – one that will appear attractive to both lenders and sellers – with some simple steps.

First, understand your credit score and the role it plays in the home buying process. While a good credit score can ease the borrowing process for home buyers, it’s not the only factor lenders will use to gauge whether to approve you for a loan, Burns says.

“A credit score predicts the likelihood of whether a borrower might default in the first 24 months of a loan,” he notes. “But lenders will also consider how much of a down payment you bring to the table as a percentage of the purchase price, your income and your debt-to-income ratio when considering a mortgage application.”

Remember that lenders will pull your score from all three major credit bureaus, so it pays to check your credit report and score with all three. Reviewing your report and score allows you to catch and correct errors, and have a better idea of how potential lenders might view your credit worthiness, and rest assured that obtaining this information does not impact your credit score.

Understanding your credit score is a more complex process than you might expect. You can test your knowledge about credit scores at www.CreditScoreQuiz.org, a website created by VantageScore Solutions and its partner, Consumer Federation of America.

When you have a handle on your credit, consider other factors that can make you a better buyer, including how much you have to put down on a house.

The days of no-money down mortgages are virtually over, industry experts say. Today, even FHA borrowers will likely need to make a down payment. How much you need will depend on many factors, including the loan program you apply for and the price of the house you’re buying. Generally, it’s a good rule of thumb to save 20 percent of the purchase cost for a down payment.

Keep in mind, the more you put down, the more instant equity you’ll have, the lower your monthly payment, and the better your chances of not needing private mortgage insurance (PMI), which can add hundreds of dollars to your monthly payment. If you’re able to put down more than a lender requires, a mortgage company may be willing to give you a pass on other issues on your application, such as a less-than-stellar credit score.

“Lenders and sellers are all looking for buyers who are ‘the complete package,’” Burns says. “While you should take care of your credit score, you shouldn’t obsess over it. Instead, look at it as an important part of the overall package of assets that can make you the kind of buyer everyone wants to work with.”

Four hot, new-home trends that can work for your remodel

5/14/2013

(BPT) - Builders are back in business, and new-home construction is up in areas across the country. So is remodeling, as plenty of Americans choose to stay put and upgrade their current homes rather than tackle the challenge of buying and moving into something new.

If you’re planning to renovate your home, you can tap some of the hottest trends showing up in new-home designs. Here are four new-home trends that offer strong returns on your time and money:

1. Creating a view – Americans continue to embrace all things green and that trend is showing up in new home construction in a number of ways, including an emphasis on energy-efficient windows that bring the outdoors inside with a great view.

If your home has older windows, they’re likely not as energy efficient as newer options, so replacing them can improve your heating and cooling efficiency. Window replacements typically provide a high return on investment at the time or resale, too – more than 73 percent for wood windows and 71 percent-plus for vinyl, according to Remodeling Magazine’s Cost vs. Value Report.

While you’re replacing your windows, you also have the opportunity to open up your home more to outdoor views. Work with your architect or designer and contractor to determine where the best views are, and how much additional glass you can incorporate into your renovation to capitalize on those views.

2. Adding a bathroom – When it comes to renovations that improve resale value and enhance a home’s usability, adding a bathroom is at the top of the list for many homeowners. While today’s new smaller homes often have less square footage, demand for multiple bathrooms has not changed.

In existing homes, adding a bathroom can sometimes pose plumbing challenges. Up-flush plumbing can solve a lot of them. Up-flush systems pump waste and water from a toilet, sink or bathtub up and out, instead of into a below-floor sewage pit.

Up-flush toilets enable homeowners to easily and cost-effectively install a bathroom virtually anywhere without breaking through the floors – a special advantage when those floors are made of concrete. That means adding a basement bathroom doesn’t require cutting into a home’s concrete foundation, and you can easily add an attic bathroom without tearing up the first-floor ceiling. According to Saniflo, makers of up-flush plumbing products, adding a bathroom using this type of plumbing can cost about $5,000 less than one that uses conventional plumbing.

3. Defining the kitchen – Kitchens are another popular renovation that pays off in a number of ways. Architects are fine-tuning the popular wide-open floor plan concept, and the change is showing up in the kitchen. Favored designs now open the kitchen on one side to an adjoining room, such as the family room, but enclose the other three walls to create a more defined space, as well as more storage and cabinet options.

This trend works particularly well in older homes where you frequently find a completely separate kitchen. Now, rather than ripping out three walls to create an entirely open flow, you can tap the latest kitchen design trend by opening up just a single wall in the kitchen. This leaves the space well-defined, but also adds the open, social feeling that is so appealing in many new home designs.

4. Maximizing every inch of space – With smaller floor plans gaining popularity, making the most of every inch of space is vital. New-home design employs entertaining nooks, breakfast alcoves, built-ins, pocket doors and other tricks to use every inch of space wisely.

It’s a trend that also works well in older homes that may have smaller rooms and less square footage than the McMansions popular a few years ago. For example, it’s easier to add a built-in desk to a spare corner and create an office alcove than it is to add an entire office to your floor plan.

If you crave a fresh environment and the latest home design trends, you don’t have to give up your old home and tackle the hassles of moving into something new. With some planning and creativity, it’s possible to translate some of the hottest new-home design trends into your renovation project.

The most common mistakes homeowners make when choosing a home improvement contractor and how to avoid them

2/8/2013

(BPT) - Consumer complaints and lawsuits regarding home improvements are on the rise according to Ripoff Reports; a homeowner that does not do their homework before embarking on a project could find themselves with poor workmanship, inferior products, health and safety issues or even legal problems.

So what’s a homeowner in need of a fix up to do?

“Start by reviewing the three most common mistakes people make when embarking on a home improvement project,” says Dave Harrison, chief marketing officer of Champion Windows, Sunrooms, Roofing and Home Exteriors (www.GetChampion.com), one of the nation’s leading home improvement companies.

Mistake number one: Buying Only on Price

Your home is probably one of the most expensive items you own, so making improvements is not the place to budget shop. “Make sure you are getting quality products professionally installed. A properly done home improvement should only have to be done once,” added Harrison, “and remember the old adage ‘you get what you pay for’.”

Mistake number two: Not looking at the Long Term Investment Benefits

When your home improvement project is finally over, you should be getting more than an upgrade to your home; you should also see an increase in your home’s value. When you do it right you can reduce energy and maintenance costs and increase comfort and pride in your home, and never have to worry about it again for as long as you own your home.

On the flip side a poorly executed project can lower the value of your home, have to be re-done in several years and even put your family’s health at risk. For example, water damage from faulty windows could cause mold.

Mistake number three: Not Knowing How to Screen a Contractor

“I’ve seen many independently owned contractors close their businesses after a short year or two,” said Harrison. “When selecting a contractor to work with it is important to get a sense of who they are, what products they use and how long they have been in business.”

According to Harrison there are four essential questions to ask during this screening process:

- Who designs it?

- Who builds it?

- Who installs it?

- Who guarantees it?

“When you don’t get the correct answers to these four questions you may end up with an inferior investment, expensive surprises, property damage or even lawsuits and liabilities,” says Harrison. “Ultimately, the answer you want is that there is a single source of accountability for your project. Having one company design, build, install and guarantee the product and work, as Champion does, can save you time, money and hassles in the long run.”

Make sure you have a contractor relationship you can trust for the long-term. This long-term relationship starts with a quality product and professional installation and includes a lifetime warranty from a company that has longevity and provides you with a sense that they will still be in business five or ten years down the road. You should also ensure that your warranty is transferable, applies to all systems, applications and materials, and is non-prorated. A non-prorated warranty is considered to be the most valuable as it means that the manufacturer or seller will replace or repair the item at no cost to the buyer if there is a problem with a product.

Baby boomers: Bathroom updates that increase livability and home value

3/28/2013

(BPT) - Baby boomers are a smart group when it comes to home updates. While embracing life today, they fully recognize that in the future, their homes may need upgrades to help them live well and stay safe. The bathroom naturally gets the most attention and for good reason – it’s one of the most frequently used rooms in a home and also one with many hazards. Baby boomers are turning towards safer bathing options to support their changing lifestyle including walk-in baths, handicap accessible showers, and other supportive furnishings.

“Baby boomers value being able to live out their golden years to the fullest, and aging in place is a key component of that,” says Jim Quinn, installation manager for Premier Care in Bathing. “They are being proactive about making bathroom upgrades now so they can enjoy the benefits for many years to come.”

Quinn has helped countless people update their bathrooms to add modern style and comfort so they can age in their current home safely. Here are his top recommendations when upgrading your bathroom while keeping health, comfort and safety in mind.

1. Safe flooring

Cold, slick bathroom floors can be a major slipping hazard. When renovating a bathroom space, it’s wise to evaluate the flooring and, if necessary, replace it with an option that is both comfortable and safe. Some people choose to carpet the bathroom because it is warmer and eliminates the slip hazards of traditional hardwood or ceramic flooring, as well as the tripping hazards of rugs. Another option is slip-resistant, textured vinyl. Keep feet comfortable and add an upscale element to your bathroom by incorporating radiant heat underneath.

2. Walk-in bath

Water and heat therapy can be ideal for arthritis and other aches associated with aging, making a bathtub an asset in a home. But as people age, it can be physically difficult to use a traditional bathtub. That’s why a walk-in tub is a wise investment. Receiving the Ease-Of-Use Commendation from the Arthritis Foundation, walk-in-tubs from Premier Care in Bathing provide baby boomers and seniors with an easy-to-use alternative. The most popular model – the Sanctuary – fits in a traditional bathtub space and has a wide, low-level entry, slip-resistant seat and backrest, temperature-controlled hot water, and a Hydrovescent therapy option. Other walk-in tub options may be ideal based on individual needs.

3. Replace dated hardware

Bathroom drawer handles and knobs are often small and can be difficult to grab with limited dexterity. Add modern style to your bathroom by replacing your existing hardware and accessories with stylish new options that are also easy to grip. Explore hardware options that are large and simple to grab. New hardware is a quick, affordable upgrade that makes a bathroom easy to use for people of all ages while enhancing interior design. While you’re upgrading the hardware elements, consider installing grab bars in key locations in the room, such as around the toilet or shower.

4. Update lighting

Any interior designer will tell you that lighting is a key element of a home’s style as well as functionality. In the bathroom, lighting is particularly important because it also adds an element of safety. Aging eyes need quality light to see well – so be sure to incorporate task and ambient lighting into your bathroom renovations. Baby boomers often add a dimmer that adjusts bathroom lighting so it can be fully on when showering or getting ready for the day, and then dimmed softly for easy access at night or during long soaks in the walk-in tub.

“These types of updates are wise investments for baby boomers. They often increase the overall value of a home while also giving the homeowners the peace of mind that they’ll be able to enjoy the space well into the future,” concludes Quinn. For a free brochure including more information about walk-in bathtubs and other solutions for making living at home more convenient, visit premiercarebathing.com/saferbathing, or call 888-378-7953.

Five swimming pool myths that are all wet

5/7/2013

(BPT) - It’s got all the hallmarks of a great home improvement – adds value, enhances livability and beauty, and creates a perfect gathering spot for family and friends. So why wouldn’t you add a swimming pool to your outdoor living space?

From the belief that it costs too much to operate a pool to the misconception it will go unused, myths about pool ownership abound – and they likely dissuade some homeowners from making this valuable home improvement. If you’ve been considering adding a swimming pool to your outdoor environment, here are five common myths that simply don’t hold water:

Myth: Pools are too costly to install.

Reality: A swimming pool is a significant home improvement investment, there’s no denying it. However, the cost of a pool will depend on many factors, including the size of your yard, the dimensions of the pool and the materials you choose. When compared to other significant discretionary expenditures such as a family vacation – which costs the average family nearly $4,800 for one week of fun each year – a pool can be a high-value investment that pays for itself in just a few years. Of course, finding the right installer is key to a positive, cost-effective purchase. The Association of Pool & Spa Professionals (APSP) offers an online member locator to help consumers find an APSP Certified Professional in their area.

Myth: It’s difficult and costly to maintain a pool.

Reality: Long gone are the days when operating a pool pump could cost almost as much as running your central air conditioning during the summer. Pool pumps and filtration systems are more energy efficient than ever, saving money on electricity costs. Plus, improvements in filtration system and purification chemicals mean you’ll need less product to keep a pool sparkling throughout the summer. In fact, when it comes to pool maintenance, 63 percent of pool owners say maintaining correct water chemistry is no trouble at all, according to an APSP survey.

Myth: Pools are not energy efficient.

Reality: Modern pool pumps require much less electricity to operate than you might think. Energy-efficient pumps can use up to 30 percent less power to operate. When compared to other household sources of electricity consumption, swimming pools are a small percentage of a home’s overall energy use. What’s more, these systems can be even more cost effective when solar powered. Accessories can help conserve energy, too. For example, using a solar cover on an inground pool when it’s not in use can help the water retain heat and keep debris out of the pool, which means less work for the filtration system – and you.

Myth: A pool won’t enhance my home’s value.

Reality: Buyers like homes that have swimming pools: Among people who purchased a home with an existing swimming pool, an eye-opening 78 percent said the presence of the pool contributed to their decision to buy the house, according to the APSP survey. Depending on where you live, a pool may enhance your home’s appeal to prospective buyers even more – especially if you live in a region with very hot summers or a year-round temperate climate.

Myth: If we get a pool, we’ll never use it.

Reality: People who own pools say they spend a lot of time in them, and it’s quality time. Seventy-six percent of pool owners say they are extremely or very satisfied with their pools. They also consider it a great place for gatherings, and believe that having a pool entices their family to spend more time together in their own backyards. Owners say they use their pools for relaxation, entertainment, celebrations and exercise, and 96 percent say they are satisfied with their pools.

To learn more about how fun pool ownership can be, visit the APSP’s website at www.apsp.org.

Five tips to take your home from 'for sale' to 'sold'

3/18/2013

(BPT) - If you’ve been thinking about selling your home, there’s no time like the present. House hunters come out of the woodwork in warm weather months and “for sale” signs pop up everywhere. Your job is to set your home apart from all the others. In most areas around the country, it’s a buyers’ market. So how do you get a leg-up on the competition?

Deborah Rossler, Interior Design instructor at The Art Institute of Dallas, a campus of South University, and Maryse Jospitre, Interior Design program coordinator at The Art Institute of Phoenix share the top five tips you can really use to turn that “for sale” sign into “sold.”

1. Detach

You may love the outdated recliner that was passed down from grandpa. You may also think that lime green and fuchsia are the foundation for a great color scheme. But others may not. “Before you put it on the market, emotionally detach from your home,” advises Rossler. Look at it from the buyer’s point of view. Figure out what needs an update, a touch-up or an overhaul and then do it.

2. De-clutter

You want to open up the space to make it feel larger. While it’s fine if your home has the “lived in” look, all the extra knick-knacks should be put away. Jospitre suggests renting a storage unit if your place is small. If you’ve got a garage or an attic, store your items there in plastic bins.

But do not shove all the extra stuff in your closets. People look in there, warns Rossler, and a messy closet tells potential buyers that there won’t be enough room for their things either. The same goes for drawers and cabinets. Tidy them up and organize them neatly. Make sure your belongings aren’t packed tightly because it will make the cabinet look smaller.

Free up the space on your kitchen countertop. A coffee maker and toaster are fine. But put away the blender, stand-mixer and popcorn maker. You might as well tidy up the bathroom counter while you’re at it.

3. Go neutral

Neutral colors allow house hunters to visualize what the space will look like with their belongings. “Heavily saturated colors are overwhelming and don’t go over well with prospective home owners,” says Jospitre. If they dislike the colors, they will be put off by the space.

Rossler agrees that sellers should paint neutral colors that blend room-to-room. But she does make room for an exception: “If you’re living in a trendy area where something out of the norm is expected, then a bright wall could be a welcome feature.”

4. A little rehab and some heavy lifting

Does the carpet need to be replaced? Better yet, is there hardwood under the carpet you can refinish? Go for the latter, if that’s an option. Buyers love a good hardwood floor. Get the fresh coat of paint on the walls if they’re chipping or peeling.

Move furniture away from walls. A big couch against a wall looks frumpy and is not aesthetically pleasing. And remove extra furniture (this could also be filed under “de-clutter”). It’s good to see baseboards and corners, which gives the room a more open and spacious feel.

5. Before the doorbell rings

Clean. Then clean some more. A dirty, dusty house is a huge turn-off. Don’t forget to clean the light fixtures on the ceiling. And after you’ve done all that, do a quick 15-minute spruce-up before potential buyers walk through the door.

Open the curtains and blinds. Let natural light in. It makes the home seem cheery and bright. Of course, make sure the windows are clean too. Keep fresh flowers in a vase.

And don’t forget the smell. A fresh smelling home is a big plus. Open windows to air the home out. Don’t cook potentially pungent foods – like fish or garlic – before a showing. Instead bake some cookies or use an air freshener that smells like baked goods.

Five questions to ask before hiring a real estate agent

4/30/2013

(BPT) - Want to sell your property quickly? Looking for your dream house? Are you hoping to get the best deal possible during the complex process of buying or selling a home? With so much money – and often, emotion – at stake, going it alone is generally not the best way to reach your goals. The secret for getting exactly what you want: Work with a savvy real estate agent.

A qualified real estate agent will streamline the process, help you save money and serve as a liaison with your best interests in mind. But how do you find the right real estate agent? Hundreds or even thousands of real estate professionals may work in your area, but finding the best one for your unique situation doesn’t have to be time-consuming.

Remember, you’re hiring this individual for his or her expertise and services. Your agent will get a designated percentage of the sale of the house. Depending on negotiations, this cost may be covered by the seller, buyer or split by both. You want someone who will work hard for you, but also someone you are comfortable with because you may be spending a lot of time together.

To find the best real estate agent for you, ask these five critical questions:

1. How many buyers or sellers have you helped in the last year in the area?

An active agent is more likely to be up-to-date on the market, and local and state laws. Furthermore, active agents with experience in your neighborhood, or the neighborhood where you’d like to move, are better positioned to help you because they can provide unique insight that other less-knowledgeable agents cannot.

2. Do you have advanced training?

Any licensed real estate agent can help you buy or sell a home. But an agent who has advanced specialty training is better qualified to assist you. For example, an agent who is an Accredited Buyer’s Representative (ABR), has enhanced training focusing specifically on buyers. An agent who is a Certified Distressed Property Expert (CDPE) has special training to deal with short sales and foreclosures. RE/MAX agents on average have more certifications and extra training to better serve buyers and sellers.

3. What services do you offer?

While the majority of people shop for homes online first, having someone on your side through the search and sale process can save time and money. A buyer’s agent should help you schedule showings, assist with negotiating the price of the new home, guide you through the paperwork, be there at the closing table, and provide insight through any contingencies during the process.

For sellers, an agent should help set the price of the home, based on a competitive market analysis (CMA). Ask the agent how he or she will market your home (websites, videos, direct mail). Also inquire about assistance with staging and hosting open houses. Then, when the offers come in, the agent can help you with the decision on which one to accept.

4. Who else will be working with me?

The person you hire should do most of the work, but you may work with a support team, too. Additional team members may include mortgage brokers, home inspectors or contractors. If you’d like more information about what it’s like to work with an agent, don’t be shy about asking for references. You’ll get real insight into what it’s like to work with that particular professional.

5. How often will I hear from you?

No matter if you’re selling or buying, ask how often you’ll hear from the agent and make sure that this aligns with your expectations. For buyers: Do you just want to hear when there’s a new home that may interest you? Do you want regular check-in calls too? For sellers: Do you want to hear from your agent only after a buyer has toured your home, or do you want to be kept in the loop on a weekly basis?

Buying or selling a home is a complex process most people do only a few times in their lives. Hiring the right real estate agent from a reputable company like RE/MAX can give you an edge so you get the best deal possible while meeting all your goals.

You can learn more about the home buying and selling process and find an experienced agent in your neighborhood by visiting www.remax.com.

Five tech tools that can help you get into a new home faster

3/26/2013

(BPT) - Just 10 years ago, homebuyers would have started the purchasing process with a phone call to mortgage broker or real estate agent, a drive through a desirable neighborhood and a perusal of the classifieds. In 2013, however, buying a house is a high-tech affair, with technology making it easier than ever to find and finance the home of your dreams.

In fact, nine out of 10 homebuyers use the Internet as a primary search source, and more than half (52 percent) go online first when looking for a home, according to a joint study by the National Association of Realtors (NAR) and Google. If you’re in the market to buy a house this spring, here are five must-have tech tools to make the process easier:

1. Online mortgage applications – and approvals

Real estate experts advise buyers to get approved for a mortgage before they begin shopping. Doing so allows buyers to move quickly when they find a home they want, and can make their offer more appealing to sellers. While many lenders allow borrowers to initiate the application process online, credit reviews and final approval, however, has continued to be done through slow, traditional methods. Now, the eighth largest mortgage company in the U.S., Guaranteed Rate, has upgraded its online services to allow buyers to apply for and get approved online – virtually instantly. Applicants can choose and customize a loan, submit an application, receive their credit scores from all three major credit bureaus, and receive an official approval letter that recognized the borrower’s ability to be financed by the company – all online.

On GuaranteedRate.com, customers can choose and customize a loan, submit an application and receive an official approval letter, recognizing the ability for the borrower to be financed by Guaranteed Rate.

“Despite technological advances in other aspects of the real estate industry, the mortgage application process has remained largely manual – and time intensive,” says Scott Stephen, president of Guaranteed Rate’s online division. “By automating the process, homebuyers now have access to the same tools as loan officers. The time it takes to obtain a mortgage approval has been compressed from days or even weeks to as little as 15 minutes.”

Go to www.GuaranteedRate.com to learn more.

2. Mobile apps – The mobile Internet now accounts for 15 percent of global Internet traffic, according to Business Insider. What’s more, about one-fifth of real estate related Internet searches happen on mobile devices, according to the NAR/Google study. Google real-estate-related searches on mobile devices soared 120 percent from 2011 to 2012, the study notes.

From Realtor.com (NAR’s multiple listing website) to lifestyle websites like Trulia and apps like House Hunter, homebuyers can access a wealth of real estate information, listings, news of buying trends and more via their Android-based mobile devices, iPhones and iPads.

3. Credit monitoring products – While the arrival of truly automated mortgage processes may make it easier to apply, consumers still bear the responsibility of making sure their credit scores are good enough to qualify for a mortgage. Online credit monitoring products are a great tool for getting your credit score and report mortgage-worthy. All three major credit bureaus – Experian, TransUnion and Equifax -- and a host of other financial services companies offer this type of product. Many allow you to access your credit report in real time, obtain your score, view how certain credit decisions may affect your overall score, and even receive alerts when anything new shows up in your credit report and/or influences your score.

4. Multiple listing sites – Searching home listings still remains the most common way house-hunters use the Internet to aid in their efforts. One hundred percent of the buyers studied in the NAR/Google report used the Internet to search for homes. From national sites like Realtor.com and Zillow to to the home pages of local realtors, the interconnectivity of multiple listing services allows consumers to access a broader, more in-depth database of available homes than ever before.

5. Regional/local websites – For many people, the quality of schools and security of the community are key considerations when home shopping. A plethora of websites provide buyers with ample information, including local school district websites, municipal and police department sites, local and state chambers of commerce, state education department sites, and even sites maintained by homeowners associations.

“Just as the Internet has touched virtually every other aspect of our lives, technology has truly transformed how consumers find and finance their homes,” Stephen says. “From finding just the right house to ensuring they’ll be able to pay for it, technology has made it easier than ever for buyers to get in the door of their dream homes.”

Three ways to give your home's curb appeal a boost

2/20/2013

(BPT) - Homeowners only get one chance to make a first impression. That’s one chance to impress potential buyers, family, friends and neighbors with the first thing they see: your home’s exterior.

From simple upgrades to meticulous landscaping projects and replacing an outdated roof, there are dozens of options to enhance the appearance of your home's exterior. Improvements don’t need to break the bank or take a year to complete. By focusing on three simple areas, you can change the entire look of your home that you'll appreciate every time you pull into your driveway.

1. Landscaping

The key to curb appeal is balancing what makes you happy with what works in your community. Take a moment to observe the types of trees, plants and flowers in your surroundings and look for ways to incorporate them into your yard.

Planting flowers is one of the easiest, most cost-effective ways to make an impact. Flowers along the sidewalk, in front of the house, inside flower boxes, pouring out of hanging baskets, or even in berms and raised garden beds, provide a giant boost to your curb appeal. Exercise your creativity by combining plants of different height, texture and color in the same container. By sticking to perennial plants native to your environment, you will not have to worry about replanting every year.

2. Roofing

Redesigning the style and color of your roof is a dramatic and effective strategy for improving curb appeal.

“Your roof accounts for 50 percent of your home’s exterior,” says Stephen McNally, vice president of sales and marketing for TAMKO Building Product, Inc. “Updating the shingles on your roof is going to make a huge impact on the overall appearance of your home – take advantage of it.”

Start by evaluating roofing choices for compatibility with your existing siding as well as the style of your home. If your home has a busy exterior with more than one contrasting color, try adding a classic, rustic color like TAMKO’s weathered wood. The shingle’s subtle blends of color and wood-like appearance complements nearly any exterior paint color.

If your home’s exterior is a more neutral shade, try adding a vibrant colored shingle to stand out in your neighborhood. TAMKO has a large selection of classic and vibrant shingle colors and styles to meet any need. To learn more visit www.tamko.com.

3. Paint

Whether you're updating your color scheme or applying a fresh coat, painting is an easy way to update your home's look from the street in a big way. Depending on your budget, this project can be big or small. To make the most significant impact, consider painting the entire house. This will bring new life to paint that has lost its luster or possibly a new palette of color to incorporate into your yard. Although this project can call for a larger investment, the result will pay off in the end.

If your budget is more limited, focus on the areas that catch the eye. Give shutters and trim a fresh coat of paint, or paint the front door a bright shade of red or blue.

You don’t have to make a large investment to make a large impact. Focusing on key areas of your home’s exterior will refresh the entire appearance of the home and provide a facelift that’s within your reach.

Make your house look like a 'million dollar listing' for less

3/27/2013

(BPT) - A new report reveals houses are selling faster and for more money, yet another indicator of a rebounding housing market. According to the National Association of Realtors, full-year sales of previously owned homes increased by 9 percent in 2012 over the previous year. Plus, home prices jumped up 12.3 percent, the biggest percentage gain since January 2005.

This will challenge sellers to sharpen their competitive edge as more homeowners, encouraged by promising indicators, put their house on the market. Josh Altman, one of the top 10 realtors in the country and star of Bravo’s hit TV show “Million Dollar Listing: L.A.,” shares three strategies for making houses more desirable to buyers.

Install hardwood floors

“Installing hardwood floors is one of the smartest investments a seller can make,” said Altman. “Hardwood flooring is easy to install, never goes out of style and is extremely desirable to homebuyers.”

Countless hardwood flooring options, including popular bamboo varieties, allow homeowners to easily select a floor that looks great and fits within their budget. Homeowners can even differentiate their floors – and houses – by transferring the flooring’s warranty to the new owner. For example, Lumber Liquidators’ Bellawood brand of prefinished hardwood flooring offers a certified 100-year transferable warranty.

Laminate or vinyl flooring is another option for getting a fresh, updated look. Laminate enables homeowners to get the look of hardwood for less, and there are even options for DIY novices, such as flooring that easily clicks together without glue or nails.

Increase the curb appeal

First impressions matter, and home buying is no different. “Making a few updates to a house’s exterior goes a long way in making houses more inviting and valuable,” said Altman.

Homeowners can put their green thumbs to work by weeding their garden, trimming plants and branches and adding color by planting vibrant flowers in containers or planters. Simple repairs and updates offer a lot of bang for your home improvement buck, whether it’s getting a new front door, updating house numbers or painting the trim, downspouts and gutters.

Update the kitchen

Remodeling a kitchen can bring a home to the top market value, and you don’t have to tear down walls or break the bank to do it. “No matter what budget a homeowner has, there are simple ways to add that wow factor to a kitchen,” said Altman.

Unique, stylish light fixtures can create a warm and inviting environment, while new appliances add visual interest and help increase the value of a home. Even subtle touches like updating cabinet hardware or installing a tile backsplash behind a stove can give a kitchen the facelift it needs.

Soul-lifting home improvements that are good for your wallet, too

2/27/2013

(BPT) - No matter how value conscious a homeowner may be, few people ever make a home improvement simply to increase their house’s resale value. People also undertake home improvements to enhance their enjoyment of their home – or to fix a problem, which, in its own way, is good for the soul, too.

When it comes to deciding how to spend your renovation dollars, some home improvements can boost both your spirits and your home value. Here are some soul-lifting home improvements that also add value to your home:

Install a skylight

The health benefits of natural light are well known. Not only does sunlight stimulate the body’s production of Vitamin D, it also boosts brain levels of serotonin. Lower serotonin levels have been associated with depression, decreased physical energy, increased appetite and elevated desire for sleep. A lack of sunlight has long been associated with Seasonal Affective Disorder – something your dear old grandmother might have simply called “the winter blues.”

And there’s another consideration with today’s tightly built and heavily insulated homes – indoor air quality. According to the GREENGUARD Environmental Institute (www.greenguard.org), most of our exposure to environmental pollution occurs by breathing the air indoors.

Adding a traditional or tubular skylight – to virtually any room in the house – brings more mood-boosting natural light into your home. It’s also a smart money decision. Energy-saving, solar-powered fresh-air skylights, like those made by Velux America, can be opened to bring much-needed outside air into your home, providing passive ventilation to reduce humidity and stale air, and reduce heating, cooling and lighting costs. Energy Star-qualified solar powered fresh-air skylights and accessories like solar-powered blinds, plus the installation, are eligible for a 30 percent federal tax credit – now that’s good for the soul.

You can learn more about energy-efficient skylights and calculate your tax credit for a new or replacement model at www.veluxusa.com. For more on skylights and other home energy saving tips visit energystar.gov.

Add a sunroom

While you’re thinking about the benefits of more natural light in your home, consider adding a sunroom. One of these light-filled retreats returns more than 46 percent of the initial cost when it’s time to sell your home, according to Remodeling Magazine’s Cost vs. Value Report. In a 2012 survey by the National Association of Home Builders, 52 percent of builders rated sunrooms as “desirable” or “essential” – ranking them higher than other specialty rooms like workout rooms, dens or even media rooms.

Sunrooms can be a great way to make your small home feel much larger, without the expense of a bigger, costlier addition. They also speak to our natural affinity for the outdoors, allowing you to enjoy nature year-round, even when it’s too cold to be outside.

Upgrade your bathroom

The trend of bathrooms as a restive oasis doesn’t show any signs of disappearing. If you doubt the popularity of luxury bathroom fittings, just visit the showerhead aisle in any home improvement store. Options include everything from rainfall shower heads to multi-jet contraptions that promise a spa-like experience in your own shower stall. Add in jetted tubs, towel warmers and amenities like under-floor heating, and it’s easy to understand why real estate pros continue to cite a great bathroom as a must-have for many buyers.

Even if you don’t have the space or budget for a major bathroom renovation – which Remodeling Magazine says returns more than 65 percent of its value on resale – even making modest improvements can boost your mood. Replacing old fixtures with newer more luxurious models, such as a touch-free faucet or multiple shower heads, can be an easy, cost-effective way to enhance your enjoyment of your bathroom.

The National Association of Realtors predicts the housing market will continue to improve in 2013. Yet even those who are not thinking of selling any time soon are aware of the value of certain types of improvements. A 2012 survey by Coldwell Banker Real Estate indicates that people are becoming more attuned to the emotional component of home ownership, rather than just viewing their houses as investments.

“ ... We’re seeing a psychological shift,” Dr. Robi Ludwig, a psychotherapist who partnered with Coldwell Banker on the survey, said in an announcement of the survey findings. “Instead of looking at homes through the eyes of an economist, we’re realizing that a home doesn’t solely equate to financial return or measure only to a mortgage amount. Instead the home is the emotional center of our lives, and it remains a critical component of who we are.”

Expanding outdoor living space adds value to your home

2/6/2013

(BPT) - Even during a challenging economy, the outdoor living trend remains popular as homeowners seek to add lasting value and functional living space under the sky and stars. Whether it’s a do-it-yourself patio or a professionally installed outdoor kitchen, the beauty, usefulness, value and ease of maintenance in outdoor living space is limitless.

Extending living space outdoors is as old as time itself. “Creating an outdoor room is a natural extension of your indoor living space,” says landscape architect John Johnson of Burnsville, Minn. “By creating a space in the open air and adding elements like fireplaces, pergolas, water features and greenery, you get a very different feel. People want and need that connection to the outdoors.”

Adding value

Without erecting the traditional four walls and roof, outdoor living space can be easily added to large, small, twin or town homes. Enhancing an outdoor space with hardscapes adds value and can be adapted for multiple uses.

“Homeowners continue to embrace the trend of maximizing outdoor living space, whether it’s an outdoor kitchen or patio living room with a fire pit,” says Lonny Sekeres, a landscape designer with Villa Landscapes in Oakdale, Minn. “Real estate experts say that for every dollar you invest in landscaping projects, you could see up to a $2 return when you sell your home.”

Do-it-yourselfers will find easy-to-install, maintenance-free pavers and segmental retaining wall systems are budget-friendly for patios, walkways, courtyards, raised gardens, fire features and wall projects. New construction should include plans for exterior hardscapes, and remodels can benefit from the advice of design-build professionals or experts from a landscape supplies retailer, says Sekeres.

“There are so many solutions to fit any budget and need,” says Sekeres. “Products like Willow Creek permeable pavers allow rainwater drainage if needed, and retaining walls come in colors that complement any environment.”

Al fresco living

As a natural extension of the home’s ground floor, a patio expands a family's living and entertaining space significantly. It provides a perfect gathering spot for guests and family who will be drawn from indoor dining areas to this enticing space.

A popular trend is to expand kitchen space with outdoor grilling areas, stone fireplaces for cooking wood-fired pizza, or stone counters around a grill for food preparation. “Because the kitchen is typically the customary gathering place in the home, it’s a natural extension for family and entertaining guests,” Sekeres says.

Warming accents

A fire feature such as a fireplace, pit, table, pot or ring creates an inviting outdoor focal point as well as a functional spot for entertaining, says Sekeres. A half-circle seat wall or outdoor furniture around a fire pit or table creates a cozy nook, and adding a grill, pub set, chaise or settee can transform a patio into a lounge for gatherings well into the evening and late in the season.

A newer trend is the green or living wall, says Sekeres. Products like the VERSA-Green Plantable Retaining Wall System from VERSA-LOK lets do-it-yourselfers and professional installers alike easily add drama and beauty to retaining walls. “A living wall planted with herbs near an outdoor grill or a landscaped wall of flowers is an eye-catching, eco-friendly and unique use of retaining walls,” says Sekeres.

Adding ambiance

Pathways created with pavers, stepping stones and permeable pavers can join both back and front outdoor living spaces. “New homes and older homes make good use of the longstanding porch design,” says Sekeres. “It’s easy to create a paver walkway linking the front and back or an outdoor kitchen to a lounge area.”

Lighting installed within steps and along paths can also add a unified ambiance to a home’s hardscape. Adding decor such as pergolas, trellises and arbors covered with natural materials like bamboo or fiber screens is great solutions for privacy, shade or continuity of design.

“There’s no limit to the hundreds of ideas to enhance your yard,” says Sekeres. “Many products are easy for the do-it-yourselfer with manufacturer instructions, seminars and other resources. Talk to a landscape professional, visit a home and garden show and landscape supply stores, or search the Internet for inspiration. Take advantage of the outside to easily expand your living space.”

For more information on VERSA-LOK products, visit its website or call (800) 770-4525.

Seller's market success tips for buyers and sellers

3/5/2013

(BPT) - Key indicators point to conditions for a seller’s real estate market this spring. With fewer homes on the market, low interest rates, rising home prices and lower unemployment rates, there will be increased competition for buyers and faster sales for homeowners looking to move. With some planning and understanding of the market, it’s possible for both groups to make the most of this evolving marketplace.

“Dramatic increases in both sales and prices are bringing homebuyers and sellers back to the market, indicating the worst of the housing crisis is behind us,” says Margaret Kelly, CEO of RE/MAX, LLC. “The market ended 2012 on a positive note and there’s every reason to believe 2013 will be even stronger.”

Whether you’re planning to sell your house or are in the market to buy one, here are some tips for succeeding in the emerging seller’s market:

If you’re selling

“Some rules of smart selling never change, no matter what the market is like,” Kelly says. “Even with improved home prices and fewer homes on the market, sellers must still work to make their houses appealing to buyers who want to be able to envision themselves in the home.”

Curb appeal is vital. Keep landscaping neat, well-groomed and appealing with bright flowers, cut grass and well-trimmed shrubs. Sidewalks and paths should be clean and free of debris, and entryways well-lit. To really spruce up your entryway, consider a fresh coat of paint on the front door.

Inside, repaint. Painting is a cost-effective way to freshen decor and gives you the opportunity to create a neutral environment that buyers will be able to picture themselves in. Declutter throughout the house, including closets, and remove personal photographs.

Choose a real estate agent who knows your area. A well-priced home sells quickly and helps ensure you get the most for your house. A knowledgeable agent can help you set the right price – one that attracts buyers and maximizes your return. Agents also handle the legwork involved in selling a home, from effectively marketing your house to negotiating with the buyer’s agent and facilitating the closing.

Finally, be patient. "We’re again seeing cases of bidding wars in some markets," Kelly says. "With fewer homes on the market in many areas of the country, it’s possible you could receive multiple offers. It may pay to take a "wait-and-see" attitude toward the first offer. Patience may garner you multiple offers and a better chance of getting your asking price."

If you’re buying

Greater competition in a seller’s market requires buyers to be able to move quickly and decisively. Before you begin home shopping, make a list of must-haves and want-to-haves. This list will help your agent narrow down the homes you’ll be looking at.

Also, get pre-approved for a mortgage. "There’s no worse feeling than watching your dream home slip through your fingers because your financing fell through, or because another bidder had a guarantee of financing and you did not," Kelly says.

While no one wants to pay more than they absolutely must, remember that in a seller’s market homeowners may receive multiple offers. If your initial bid is too low, you may find yourself quickly out of the running.

Also, be flexible on closing dates – often, sellers like sooner rather than later. And avoid placing too many contingencies on an offer. Working with a buyer’s agent can help you tailor an offer that will appeal to the seller as cost-effectively as possible. An agent will also be able to help you secure information on schools, entertainment, amenities and safety in communities you’re considering.

For more advice on buying and selling homes, finding an agent, and listings of homes in your area, visit www.remax.com.