Oct 30, 2023
How To Increase Your Home's Value
How To Increase Your Home's Value - #homeimprovementreferral #HomeSpace, #Interior, #PopularPosts - https://www.homeimprovementreferral.com/how-to-increase-your-homes-value-2023-10/
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How To Increase Your Home's Value
How To Increase Your Home's Value - #homeimprovementreferral #HomeSpace, #Interior, #PopularPosts - https://www.homeimprovementreferral.com/how-to-increase-your-homes-value-2023-10/
How Interior Design Adds Value To Your Property
How Interior Design Adds Value To Your Property - #homeimprovementreferral #InteriorDesign, #PopularPosts - https://www.homeimprovementreferral.com/how-interior-design-adds-value-to-your-property-2023-11/
10 Exterior Home Repairs That Will Increase Your Home's Value
If you want to increase your home's value, there are many exterior repairs to consider: from painting to porches and from gutter guards to landscaping. The tasks can seem overwhelming when you're renovating your home for resale purposes. It's best to take a careful look at what you are starting with to help create a plan that is manageable.
Our guide presents ten of the most effective exterior repairs that are certain to add value, beauty, and security to your home.
Tackle small repairs first.
Paint or replace old siding or shingles.
Replace your roof.
Repair or replace gutters.
Let the light in with new windows.
Add patio doors.
Build a deck.
Invest in landscaping.
Replace existing doors.
Add an outdoor living space.
More details
Don't let a down payment scare you off
New Post has been published on https://is.gd/NCgGfz
Don't let a down payment scare you off
June 8, 2018 (AP)(STLRealEstate.News) — “Ask Brianna” is a column from NerdWallet for 20-somethings or anyone else starting out. I’m here to help you manage your money, find a job and pay off student loans — all the real-world stuff no one taught us how to do in college. Send your questions about postgrad life to [email protected].
College is over, but you still have to do the kind of math that matters.
Like: How am I supposed to save $50,000 for a down payment on a house?
If this question sends you into a shame spiral, making you second-guess your career, the city you live in and the jacket you bought yesterday, stop right there.
You don’t need to save 20 percent of a home’s value for a down payment. Yes, it could lead to a cheaper mortgage payment or lower interest rate. But many federal, state and local programs will let you buy a house with less down, or help you pay for the down payment outright.
Here are your options — and how to decide what’s best for you.
FIRST-TIME HOMEBUYER PROGRAMS You may not know it, but there are tons of first-time homebuyer programs that can make homeownership more affordable. State and local governments invest in them because high rates of homeownership can mean more stability in a community, and more accumulated wealth for local families, says Marietta Rodriguez, interim senior vice president for national initiatives at the nonprofit NeighborWorks America.
Daria Victorov, a certified financial planner at Abacus Wealth Partners in San Mateo, California, is buying a home this way. After applying for about 10 properties in San Francisco’s affordable housing lottery, Victorov won the chance to buy a one-bedroom apartment. Since she makes less than the program’s income cap — which for 2018 is about $83,000 per year — she was able to put 10 percent down, get a 30-year, fixed-rate mortgage at 3.4 percent, and pay about half the amount the unit is worth, she estimates.
Take advantage of your city’s or state’s generosity. Look up local programs through the U.S. Department of Housing and Urban Development website. You can also go directly to your state’s housing finance agency, Rodriguez says, and ask about resources. The National Council of State Housing Agencies has a handy list of agencies to contact.
Look into national programs, too. A loan through the Federal Housing Administration lets you put 3.5 percent down, for instance (some banks and traditional lenders also have low-down-payment options). These may require you to pay extra mortgage insurance each month; use a mortgage calculator to see how much it would cost. Buying could still make sense for you, and the insurance may be able to come off your loan eventually.
WHEN TO GO FOR IT Just because you can buy a home with 3.5 percent down doesn’t mean you should.
Buying your own place is a big commitment, so follow the golden rules of homebuying no matter how large a down payment you’re planning to make. Consider buying when:
– You plan to live in the same place for five years or more.
– You won’t clean out your savings to pay for the down payment and closing costs. You’ll still need money left over for maintenance, repairs and nonhousing emergency expenses.
– Your credit score is in good shape. A score of 720 or above in the FICO scoring model will get you the best chance at qualifying for a loan, and the lowest interest rates. Some loan programs, though, like the Federal Housing Administration’s, don’t require such high scores.
Even if homeownership may be closer than you thought, renting is not a dirty word. Until you know where you want to put down roots, you can keep saving and enjoying the freedom of asking your landlord to repair things. But when the time comes to buy, know there’s help out there. ______________________________________ This column was provided to The Associated Press by the personal finance website NerdWallet. RELATED LINKS NerdWallet: First-Time Homebuyer Programs by State https://nerd.me/first-time-home-buyer-programs-by-state U.S. Department of Housing and Urban Development: Local Information https://www.hud.gov/topics/rental_assistance/local National Council of State Housing Agencies: Housing Finance Agencies https://www.ncsha.org/housing-finance-agencies-list/
________
By BRIANNA MCGURRAN, NerdWallet
Don't let a down payment scare you off
New Post has been published on https://is.gd/NCgGfz
Don't let a down payment scare you off
June 8, 2018 (AP)(STLRealEstate.News) — “Ask Brianna” is a column from NerdWallet for 20-somethings or anyone else starting out. I’m here to help you manage your money, find a job and pay off student loans — all the real-world stuff no one taught us how to do in college. Send your questions about postgrad life to [email protected].
College is over, but you still have to do the kind of math that matters.
Like: How am I supposed to save $50,000 for a down payment on a house?
If this question sends you into a shame spiral, making you second-guess your career, the city you live in and the jacket you bought yesterday, stop right there.
You don’t need to save 20 percent of a home’s value for a down payment. Yes, it could lead to a cheaper mortgage payment or lower interest rate. But many federal, state and local programs will let you buy a house with less down, or help you pay for the down payment outright.
Here are your options — and how to decide what’s best for you.
FIRST-TIME HOMEBUYER PROGRAMS You may not know it, but there are tons of first-time homebuyer programs that can make homeownership more affordable. State and local governments invest in them because high rates of homeownership can mean more stability in a community, and more accumulated wealth for local families, says Marietta Rodriguez, interim senior vice president for national initiatives at the nonprofit NeighborWorks America.
Daria Victorov, a certified financial planner at Abacus Wealth Partners in San Mateo, California, is buying a home this way. After applying for about 10 properties in San Francisco’s affordable housing lottery, Victorov won the chance to buy a one-bedroom apartment. Since she makes less than the program’s income cap — which for 2018 is about $83,000 per year — she was able to put 10 percent down, get a 30-year, fixed-rate mortgage at 3.4 percent, and pay about half the amount the unit is worth, she estimates.
Take advantage of your city’s or state’s generosity. Look up local programs through the U.S. Department of Housing and Urban Development website. You can also go directly to your state’s housing finance agency, Rodriguez says, and ask about resources. The National Council of State Housing Agencies has a handy list of agencies to contact.
Look into national programs, too. A loan through the Federal Housing Administration lets you put 3.5 percent down, for instance (some banks and traditional lenders also have low-down-payment options). These may require you to pay extra mortgage insurance each month; use a mortgage calculator to see how much it would cost. Buying could still make sense for you, and the insurance may be able to come off your loan eventually.
WHEN TO GO FOR IT Just because you can buy a home with 3.5 percent down doesn’t mean you should.
Buying your own place is a big commitment, so follow the golden rules of homebuying no matter how large a down payment you’re planning to make. Consider buying when:
– You plan to live in the same place for five years or more.
– You won’t clean out your savings to pay for the down payment and closing costs. You’ll still need money left over for maintenance, repairs and nonhousing emergency expenses.
– Your credit score is in good shape. A score of 720 or above in the FICO scoring model will get you the best chance at qualifying for a loan, and the lowest interest rates. Some loan programs, though, like the Federal Housing Administration’s, don’t require such high scores.
Even if homeownership may be closer than you thought, renting is not a dirty word. Until you know where you want to put down roots, you can keep saving and enjoying the freedom of asking your landlord to repair things. But when the time comes to buy, know there’s help out there. ______________________________________ This column was provided to The Associated Press by the personal finance website NerdWallet. RELATED LINKS NerdWallet: First-Time Homebuyer Programs by State https://nerd.me/first-time-home-buyer-programs-by-state U.S. Department of Housing and Urban Development: Local Information https://www.hud.gov/topics/rental_assistance/local National Council of State Housing Agencies: Housing Finance Agencies https://www.ncsha.org/housing-finance-agencies-list/
________
By BRIANNA MCGURRAN, NerdWallet
Don't let a down payment scare you off
New Post has been published on https://is.gd/NCgGfz
Don't let a down payment scare you off
June 8, 2018 (AP)(STLRealEstate.News) — “Ask Brianna” is a column from NerdWallet for 20-somethings or anyone else starting out. I’m here to help you manage your money, find a job and pay off student loans — all the real-world stuff no one taught us how to do in college. Send your questions about postgrad life to [email protected].
College is over, but you still have to do the kind of math that matters.
Like: How am I supposed to save $50,000 for a down payment on a house?
If this question sends you into a shame spiral, making you second-guess your career, the city you live in and the jacket you bought yesterday, stop right there.
You don’t need to save 20 percent of a home’s value for a down payment. Yes, it could lead to a cheaper mortgage payment or lower interest rate. But many federal, state and local programs will let you buy a house with less down, or help you pay for the down payment outright.
Here are your options — and how to decide what’s best for you.
FIRST-TIME HOMEBUYER PROGRAMS You may not know it, but there are tons of first-time homebuyer programs that can make homeownership more affordable. State and local governments invest in them because high rates of homeownership can mean more stability in a community, and more accumulated wealth for local families, says Marietta Rodriguez, interim senior vice president for national initiatives at the nonprofit NeighborWorks America.
Daria Victorov, a certified financial planner at Abacus Wealth Partners in San Mateo, California, is buying a home this way. After applying for about 10 properties in San Francisco’s affordable housing lottery, Victorov won the chance to buy a one-bedroom apartment. Since she makes less than the program’s income cap — which for 2018 is about $83,000 per year — she was able to put 10 percent down, get a 30-year, fixed-rate mortgage at 3.4 percent, and pay about half the amount the unit is worth, she estimates.
Take advantage of your city’s or state’s generosity. Look up local programs through the U.S. Department of Housing and Urban Development website. You can also go directly to your state’s housing finance agency, Rodriguez says, and ask about resources. The National Council of State Housing Agencies has a handy list of agencies to contact.
Look into national programs, too. A loan through the Federal Housing Administration lets you put 3.5 percent down, for instance (some banks and traditional lenders also have low-down-payment options). These may require you to pay extra mortgage insurance each month; use a mortgage calculator to see how much it would cost. Buying could still make sense for you, and the insurance may be able to come off your loan eventually.
WHEN TO GO FOR IT Just because you can buy a home with 3.5 percent down doesn’t mean you should.
Buying your own place is a big commitment, so follow the golden rules of homebuying no matter how large a down payment you’re planning to make. Consider buying when:
– You plan to live in the same place for five years or more.
– You won’t clean out your savings to pay for the down payment and closing costs. You’ll still need money left over for maintenance, repairs and nonhousing emergency expenses.
– Your credit score is in good shape. A score of 720 or above in the FICO scoring model will get you the best chance at qualifying for a loan, and the lowest interest rates. Some loan programs, though, like the Federal Housing Administration’s, don’t require such high scores.
Even if homeownership may be closer than you thought, renting is not a dirty word. Until you know where you want to put down roots, you can keep saving and enjoying the freedom of asking your landlord to repair things. But when the time comes to buy, know there’s help out there. ______________________________________ This column was provided to The Associated Press by the personal finance website NerdWallet. RELATED LINKS NerdWallet: First-Time Homebuyer Programs by State https://nerd.me/first-time-home-buyer-programs-by-state U.S. Department of Housing and Urban Development: Local Information https://www.hud.gov/topics/rental_assistance/local National Council of State Housing Agencies: Housing Finance Agencies https://www.ncsha.org/housing-finance-agencies-list/
________
By BRIANNA MCGURRAN, NerdWallet
New Post has been published on Frontdecor.com
New Post has been published on http://www.frontdecor.com/current-issues/the-top-construction-projects-to-increase-your-homes-value/
The Top Construction Projects to Increase Your Home's Value
Home improvements, restorations, remodels, and repairs are important to keep your home looking new and functioning well. If you ignore simple problems, they might cause even more complicated problems in the long run. Home improvement projects can also increase the value of your home and make it a more convenient place for the whole family. Here are some projects you can start especially when you’re planning to sell soon.
Bathroom Remodel
The bathroom is one of the most important parts of a home. It should be convenient and comfortable because this is where you take a bath. Changing the bathroom floor, tile surround, toilet, tub, vanity, and sink can cost a lot, but the average return-on-investment can go as high as 102%. Make sure the tub is just the right size for the whole bathroom. Replace dated wall coverings and old shower doors if necessary.
Roof Restoration
The roof is one of the most prominent exterior area. If it is unappealing, people might have a bad impression of your home. If you’re constantly experiencing noise and leaks from the roof, maybe it’s time for a total roof restoration in Perth. This includes roof inspection and cleaning before knowing what type of restoration your roof needs. Afterwards, the roof expert can provide element protection, ridge capping, and final coatings to make your roof better than ever.
Kitchen Remodel
The kitchen is another room in your house that can greatly increase its value. Even a minor kitchen remodel can do wonders. This may include changing the floor plan drastically, including replacing the drawers, cabinets, cooktop, wall oven, fixtures, countertops, flooring, and sink. Make sure the lighting is enough for the kitchen. Add decorations that add detail to make the kitchen more appealing.
These are just three home improvements that will increase your property’s value and make your home more convenient. Make sure you work with a professional to make every project a success.