Monthly Archives: October 2011

Add Season Warmth to Your Home

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Here are some tips on how to add season warth to your home:

Pick the Right Pillows

A room isn’t done without pillows.  Choose pillows in warm colors made of a soft down mix so they’re comfortable to
lean into.

pillows on living room sofa

Add a Layer of Texture

Anything with texture adds dimension. Nubby fabrics and textured wool area rugs make a room cozy.

couch with pillows in front of a hutch

Sprinkle on Spicy Colors

Reds, burgundies, or golds instantly transform a plain room. You don’t haveto paint the walls; you can add these tones in the drapes, furniture, pillows, rugs, or art.

red and yellow throw pillows on a beige sofa

Create a Hide-a-Way

I always tell clients that you can’t control the outside world but you can create a world on the inside of your home that is good to you. In the fall,  when you’ll be spending more time indoors, it’s important to carve out a corner for yourself. Maybe it’s a tabletop in the corner of your living room  or in your bedroom.  Fill a bulletin board with images of things you love: photos and mementos from trips, ticket stubs from a great show, cherished letters. Small collections of shells, rocks, and candles are simple things that are good for your soul.

Living Room, chair, window seat

Go the Extra Mile

Place a luxurious throw over a chair or a couch.  I always include a high-quality throw in all my clients’ family rooms.

woman in brown shirt and skirt holding three blankets

Light Up

Candles bring mood and character to a space. To avoid the risk of fire, try battery-operated flameless candles (look for versions made with real wax); they emit a nice warm glow.

candle centerpiece

Think Accessories

It’s all in the accessories. If a room is empty, it’s going to feel cold and unwelcoming. Style every table with personalized vignettes: Choose a few special items, keeping in mind that contrasts in shape and texture work best. I always look for funky, slightly off-the-wall pieces at antiques stores and flea markets. These have the most personality and are conversation-starters when put on display.

bird nest and butterfly paper

Cover Those Windows

Drapes warm up a space. If you currently have wood blinds or mini-blinds, consider changing those for a fabric Roman shade, or even better, add floor-to-ceiling drapes. The fabric softens the room and adds glamour.

detail of curtains

Pile on the Rugs

An area rug is an instant color and pattern makeover and grounds a room. I throw them right on top of carpets or summer’s sea-grass rugs.

detail of floor

Make it Your Own

Warmth can also come from personalization. Displaying a collection or hanging family photos in unusual frames — anything that gives a room your personal touch — is meaningful.

detail fireplace

Source of Information:  Better Homes & Gardens

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Finance FAQs for Home Buyers

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Below are frequently asked questions I get from homebuyers who are in the process of buying a home.

What is a mortgage?

A mortgage is a loan used to buy a home or other real estate property, with the home serving as the collateral for the loan, acting as the guarantee that the loan will be repaid.

What’s in a payment?

Payments are comprised of principal, interest, property taxes, and possibly mortgage insurance. In the cases of condominiums, maintenance fees may apply as well. However, the real question is: how much can you repay over how many years? Consider how quickly you could repay your loan. Is it 15 years, 20 years, 25 years, or 30 years? Typically, the sooner you repay the loan, the more you’ll save on interest payments. However, the longer you extend the term of your financing, the lower your monthly payments may be. When choosing a loan term, consider your budget, your long-term spending patterns, your income over the life of the loan, and how long you plan to stay in your home.

What is a fixed rate (mortgage)?

The interest rate is set for the full length of the loan and doesn’t change.  Therefore, since the monthly mortgage payment for principal and interest stays the same for the life of the loan, it’s easier to plan a budget using this sort of loan.

What is an adjustable rate mortgage (or ARM)?

An adjustable rate mortgage (ARM) usually starts with a lower initial interest rate than traditional fixed rate loans. After a set initial payment period—anywhere from one to 10 years—the interest rate may change periodically based on market conditions. As the rate changes, so does your monthly payment.In addition, ARM loans feature an adjustment “cap” that limits how much the interest rate can go up, protecting you from large increases in your monthly payment. If you plan on being in your home for a shorter period of time, or expect your income to increase over the years, an ARM loan may be right for you.

What is the property appraisal?

A professional appraisal is done to determine the value of the home or other type of real estate. An appraisal is based on the home’s condition and selling prices of comparable properties in the area.

What is the best mortgage for me?

The best mortgage is one that you can afford without cutting in on other necessities, and has interest rates and terms and conditions that give you peace of mind. Use the handy mortgage calculator found at the bottom of each property listing on our site to get a good idea of which mortgage is the most affordable for you.

How much will my mortgage be?

The size of your mortgage and the monthly payments that you will incur are determined by the price of your home minus the down payment, spread over the term of the mortgage at the interest rate chosen.

Article by:  Sheri Negri, Realtor

www.loveforhomessac.com