Tag Archives: Home

Mortgage Loans Dos and Don’ts: The Home Buyer’s Guide to Getting Approval

man wearing a suit sitting in a table showing a mortgage loan contract and where the signer must signBuying your first home can be horrifying. With all the paperwork, the potential rejections that you will encounter, and the fact that this will probably be the biggest purchase of your life, you would quickly assume that this process isn’t for the faint-hearted.

Suppose you have great credit and no history of bankruptcy on your record, there are a few tricks you can use to boost your odds of getting approval. Here are some dos and don’ts to secure a loan as recommended by American Loans, a top mortgage company in Salt Lake City:

DO save for a down payment early.

Usually, lenders would ask a down payment of 20 percent, but there are also lenders with programs that would go for as low as three percent. However, these programs would equate to higher costs and insurance. Saving up early would help you get the approval and save on extra fees.

DON’T forget to check your credit score.

Your credit will determine the interest rate and your loan terms. Before you begin this process, don’t forget to check your credit. If there are errors that you need to discuss, do it early. In addition, look for opportunities to improve your credit.

DO compare mortgage options.

You will find yourself bombarded with a lot of loan programs, that’s why it is good to do research which ones will be perfect for you. Check if you can afford large monthly payments right now, or if you can afford to do so in the future, this information would determine which program you should be going for.

DO get a preapproval letter.

Getting prequalified would just mean knowing the amount the lender can give you based on the information that you have. It’s smart to get preapproved. It can help you look more credible to sellers and even give you an advantage.

If anything goes downhill, let it be the push for you to work on your credit and finances the next time. Look for the things that you didn’t see the last time. You can find other people you have been rejected multiple times but got a house in the end. All you have to do is to start a plan and work hard for it.

Dining Room Chairs and 5 Ways to Choose Them

Large green dining room with leather chairs and large windows.Gone are the days when your dining table must match with your dining chair and vice versa. Nowadays, people are not afraid to experiment, which leads to chairs and tables being sold separately.

With the variety of dining chairs available in Hong Kong, the biggest question now is which one should you choose? Here are some tips you might want to keep in mind when you shop:

Size and scale

One of the reasons people prefer buying a whole dining set, aside from uniformity in style, is the scale of measurement. Although it might be a bit of a hassle to measure your chair and its proportionality to your dining table, it is necessary. Having the right size and scale is important for a comfortable dining experience.

Arm or armless

Armchairs are ideally placed at the heads of the table while the armless ones go to the side. As style and preference changes, so is the positioning of chairs. In the end, the question of whether you should go for arm or armless depends on your preference and space.

Back support

Proper back support is important to help give you a proper dining posture and comfort. Make sure that the back of your chair is at the least, two inches higher than your dining table. Anything lower than that would make it feel squatty.

Style and color

The fun part is this. Whether you choose your dining tables first over the chairs or vice versa, make sure they complement each other. Make sure they go well with your home’s theme, color, and lifestyle.

Maintenance

Make sure the chair of your choice is easy to move around and maintain. It is inevitable to get your dining chairs dirty with food, especially when you have kids at home. Choose those that you can easily clean when needed.

Still having a hard time choosing your dining chair? Bringing this checklist when you go shop can definitely help make things easier.

Why Your Chimney Needs a Professional

House roof and chimney being repairedChimney maintenance requires doing it properly because doing it the wrong way could ruin your home and your property. A lot of people think that they can clean their chimneys by themselves, but they are unaware of the fact that doing it the wrong way could cause property damage and even personal health issues.

There are a lot of things involved in the process of keeping the chimney clean. Leaving out one task could easily make your effort useless. You should keep track of what needs to be done to make it all worth it.

Careful and Thorough Inspection

Chimneys are used a lot for a good amount of time, especially during winter. When a scheduled cleaning is done, a careful and thorough inspection on the bricks. You should check if the mortar is starting to crumble. Chimney cleaning professionals in London do this to make sure the chimney’s structure is intact.

If you intend to clean your chimneys, you should use a respirator to prevent creosote and dust exposure. You need to remove creosote from the chimney because it is combustible and could cause damage to your fireplace and chimney.

It takes some skill to clean, so if you do it on your own, you could collect the ashes and creosote and sprinkle them on flower beds, since they are a source of calcium and other nutrients.

Hire Professionals

If you hire professionals, they could address these matters immediately and prevent serious problems in the future. That is a valuable advantage since you will not save money but also prevent minor problems from turning into more serious issues.

Letting a professional maintain your chimney work is one of the best ways to protect your property investments. Apart from giving you ease and comfort, you could rely on the professionals to maintain your home without compromising your safety, health, and investment.

Home Improvement: 3 Clever Tips for Decent Flooring

Dog sitting on a wooden floorThe floor is one of the most overlooked parts of the house, but this should not be the case. It deserves attention like any other part of your home. Remember that it is where you walk on, so it takes most of the beating from foot traffic — and even your furniture.

Whether you are checking out vinyl composite tiles or Milliken carpet tiles for your UK home’s new flooring, you might want to consider these handy tips to find the right choice.

Durability to Endure Test of Time

First, go for a flooring material with a great lifetime. You would not want to invest on something that is meant for replacement after a year or two. Should you choose to go with carpet tiles, you should be meticulous with the type of modular tiles you will be dealing with. The open cell cushion would be a better option to endure daily wear and tear due to regular foot traffic. Besides, they are easy to install and replace.

Aesthetics to Please the Eyes

By all means, you may go for the best-looking floor tiles, whether you are the minimalist type who would prefer neutral colours or the flamboyant type who would go for grandiose floor designs. Satisfy your choice of aesthetic by picking the right tile colour, texture, and design to match your indoor theme. It is all about mixing and matching to attain the best home interior.

Functionality for a Job Well Done

Go beyond flooring that is only a mere feast for the eyes. If you wish to go for some low maintenance tiles, you can always choose hardwood flooring or maybe some ceramic tile flooring. These tiles simply need a few wipes and next thing you know, they are good to go.

For more of practical ideas for better home flooring, you might also want to visit the nearest hardware to check out the real deal. This way, you can also get a feel of the sample tiles.

Bespoke Furniture in London: The New Craze in Home Design

Funiture showroomMost people in London are already aware that you can customise almost anything in and outside your home, not to mention your personalised items, sofas and other pieces of furniture. You know that customising your furniture allows you to get the furniture you want and that it meets your needs. Leberta presents three reasons why you should consider London-made bespoke sofas as your first option.

Size

A small-sized sofa might not offer you and your loved ones the best comfort, while, oversized couches occupy large spaces in your house that could mess your room arrangement. Bespoke furniture can meet the needs of any consumer. If you want a standard sofa size or your room has an unusual shape or awkward corner, you can personalise your sofas by designing it with exact dimensions of the space you need them to occupy.

Style

A bespoke sofa helps you create furniture that suits your taste and needs. You can choose the upholstery and even the style to suit your place.

Colour

Specialised sofa makers offer you options for the colour to choose from and guide you through the whole process so that you have an easy time to pick one that pleases you or matches with the theme of your home. That is unlike the case when purchasing from firms with little to no market experience.

Buying furniture for your house can be a hard and tiresome task since you have to narrow down your options for the sofa you need. But this isn’t the case, especially when you deal with a manufacturer of bespoke sofas in London, who will make them according to the size, style and colour in which you require them.

Backyard Patio: A Place To Spend Time With Your Family

Backyard PatioMany individuals today are fond of creating outdoor spaces for them to relax and unwind. The natural surrounding is important, especially for those who are working all week long.

When they arrive home after a day of work, they want to stay in a place where they can relax and shrug off the hustle and bustle of the city life.

One of the elements in the backyard that could become your solace is the patio. If you want one in your space, patio builders in Brisbane can create one depending on your taste, needs, and preferences.

It is pleasing to the eyes

It also adds up to the overall aesthetic value of your home. When you want to sell your house in the future, a well-designed backyard patio can definitely attract more homebuyers. The price may also increase, making it a sound investment.

A space to spend time with your family

Aside from this, a backyard patio is a place for the family to get together, talk about their day and spend quality time. When you and your kids had a rough day, you can unwind on the patio while drinking your coffee and other refreshing beverages.

Create your private getaway in your own backyard

When you want to relax and meditate, you can stay on your garden patio. The serene environment and your garden make you feel the peace of mind and relaxation everyone needs. This will help you recharge and face another day at work.

A backyard patio, garden or any outdoor element may help you feel relaxed in your own home. These also add up to the beauty of your house and yard. Good luck building yours.

Planning to Buy an Old Home in Auckland? Use This Guide

Old House in AucklandThinking of buying a house in Auckland? If you want something cheap, consider old homes. Not only are they charming and cosy, you enjoy bragging rights for owning a piece of history.

But before you get too excited to own one, inspect the home. Use the following as your checklist:

1. Floors

Some floors in old homes can still be in good condition but may require floor sanders to bring them back to their former glory, says an expert from Handy Sanders. Others, meanwhile, present bigger problems: warping, loosening and rotting. These floors may have to be removed and changed completely, and it may be expensive.

2. Asbestos

Check if there’s asbestos if the home was built before 1983. Asbestos is a silicate that was commonly used for insulation. However, it was banned after research showed it can be carcinogenic when inhaled. If there’s asbestos in the home, call a professional to have it removed.

3. Roofs

Roofs add beauty to these old Auckland homes. However, they are also prone to a lot of issues including missing tiles, corrosion, animal intrusion, and leaks. Usually, you have to replace the entire roof, which doesn’t come cheap.

4. Foundation

Ground shaking is one of the major concerns in Auckland, so an old home with a poor foundation is dangerous. Check the columns and the walls. Can you see cracks? What kinds of cracks do you see? Are they superficial or not? Are the columns crumbling from termite damage?

5. Plumbing and Electricity

Old water pipes may be leaking or showing signs of corrosion. Meanwhile, outdated electrical wires may be hazardous especially if they’re hidden in insulation or placed near the roofs. In these cases, plumbing and electricity have to be changed.

To own an old house is a privilege, but don’t forget to be practical. Know the total costs of your purchase, including possible repairs, then decide if the property’s worth it. Otherwise, find another home.

Choosing a Bathtub: Need vs Want

BathtubBathtubs are not products of modern days. In fact, from the early 19th to the early 20th centuries, people began to use a portable tub to take a bath. What they do is they use buckets to fill the tub with water, back in the days when indoor plumbing was not very common.

These days, bathtubs can be seen almost everywhere and are becoming a staple in bathroom design. From lavish hotels' bathrooms, resorts, inns, and houses, you can see bathtubs in a variety of shapes, designs, colors, and materials. There are even bathtubs designed for people with special needs like the elderly or those with mobility issues.

Below are some of the basic types of bathtubs and portable tubs, as described by Heavenly Walk In Tubs.

Clawfoot and Freestanding Bathtubs

These are considered to be the oldest and simplest type of bathtub. They are not connected to any walls or surfaces and usually require more bathroom space for buffering around. These types, especially the clawfoot tubs, have an antiquity feel so they work best with people who are more into vintage designs.  

Alcove Bathtubs

This type is the most common tub that most people have in their homes because it is easy to install and is easy on the pocket. It is also recommended for those with limited space in the bathroom because alcove tubs maximize the space.

Drop-In Bathtubs

Drop-in tubs are also freestanding but, they do not have claws like the clawfoot tubs. They resemble and give the feeling of a small swimming pool as they are installed within the floor. They also need bigger space in the bathroom so they are not recommended for smaller houses.

Corner Bathtubs

This type is the most expensive type of tub and can be used by more than one person at a time. Some say corner bathtubs are not practical because they use a lot of water but they are a symbol of luxury and relaxation.

Walk-In Tubs

Walk-in tubs are for people with special needs. These tubs are equipped with a door that opens and closes on the front, making it more accessible for users who have difficulty entering traditional tubs.

There may be different types of bathtubs but the most important factors that you should consider are your budget and the space that you have in your bathroom. Know what you need and make sure that you go for the type of tub that everyone in your family can fully use and enjoy.

Living with Cancer at Home: Facts about the Disease

Living with CancerFigures from the Centers for Disease Control (CDC) show that the number of 65 years or older people is expected to reach 71 million by 2030. That’s double the number in 2000. Those who get cancer are fewer these days, but that doesn’t mean the number of people with cancer is smaller.

The good news is more people are getting cancer tests earlier, even before there are symptoms, which means earlier detection and treatment. Treatment options are also better, so life expectancy among those who do get cancer is also going up.

Living with Cancer at Home

Most cancer patients prefer to live at home. Cost is a big reason. Not everyone has the money or insurance to support being given cancer care at a medical facility. Former employees of the Department of Energy or its contractors and subcontractors may receive Energy Employees Occupational Illness Compensation Program Act or EEOICPA benefits to the tune of $150,000 for medical expenses. However, many of these former employees still prefer to live at home.

Many people may also feel a quiet resignation, and looking at the possibility of leaving this life often comes with a desire to spend the remaining days with loved ones. The comfort and familiarity of one’s home are also factors.

Common Caregivers at Home

The most common caregivers are loved ones. Most elderly cancer patients receive care from an adult child or children. Young cancer patients typically receive care from parents or grandparents. There are also other informal caregiver setups such as a spouse taking care of a spouse, a close friend or neighbor taking care of the patient, and sometimes the patient’s church community members act as caregivers. Some families hire a trained caregiver who does most of the work following a certain schedule, then the members of the family take turns to do the job when the caregiver goes home or rests.

According to the American Society of Clinical Oncology, the biggest risk factor for the development of cancer is age. People have a naturally higher risk as they get older. Lifestyle choices and environment may also play a part.

The Final Stand: Ways to Beat Foreclosure

Foreclosure HomeBefore, you have to work until you’re already grey and old to buy a house. But, with the accessible mortgage options today, it’s possible to invest in a home early.

According to BanksDontCare.com, you can also choose to borrow from government-assisted loans and cooperatives to make buying easier. While all these “options” sound good, they’re all the same in the end.

When you fail to meet the repayment terms no matter where you borrowed, foreclosures will still fall through. To protect yourself against it, here are some steps you can try:

Always Try to Find a Loophole

Yes, finding an error in the contract may be almost impossible. But, if you have complete knowledge of the mortgage, you can easily defend against foreclosure. Try to gloss over the contract again and look for ways to turn the situation around. If you need a little help in this, it won’t hurt to hire a lawyer.

Cut and Save What You Can

During the repayment period, you can avoid going into foreclosure by preplanning everything. Since you’re going to invest most of your earnings in the property, make sure to save up. Live a frugal yet efficient life until the house is completely yours. One great way to do this is to secure time-deposits, so you’ll have no choice but to pay upfront every month.

Have the Right Attitude

If you’re actually investing half of your monthly earnings in the mortgage, it can be really tough. That’s why finding the best out of whatever situation you’re in is a skill you have to learn. Take pride in doing simple things at the moment because you’re investing for the future.

Do More to Have More

Paying off a mortgage while staying on top of your game is a hard thing to pull off; if you just don’t have enough resources, you have to cut back on your usual expenses. But, if you can find means to sustain your expenses, then do it. Find alternative ways to increase your income, whether it’s a part-time or a project-based job.

A foreclosure is a mind game where you have to focus to balance things out. Learn the tricks, and you’ll be able to overcome the challenge.