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To enhance your buying and selling experience, it’s our job as real estate professionals to provide you with as much valuable information as possible. It is essential that the buyer or seller be aware of all aspects of the real estate market before making a major decision. Whether it be through newsletters, checklists or news articles, we are here to make this process stress-free and rewarding. Please access our free reports today!


7 best ways to get Home Improvement loan


Home Improvement projects are widely popular credited to the growth of TV series and designer shows. While smaller projects top the list of frequency, such as painting and decorating, all home improvement projects can add up quickly. The savvy shopper will not only shop around for the best deal on fabric, but on home improvement loans as well. There are many reasons why people go for home improvement loans, and just as many ways in which to do so. Common borrowing purposes can basically be divided into two categories. The first would cover things such as buying clothes and other purchases on credit cards, using store credit, and taking advantage of buy now pay later or other store financing offers, or perhaps borrowing to pay for a holiday.

 

The best ways to get Home Improvement loans are as follows:

 

1. Personal Loans: Most home owners meet their home improvement loans requirement for home improvement through personal loans. This can save thousands in interest payments. Though mostly widely preferred, the interest rates are subject to market conditions.

 

2. Secured loan: Secured loan or mortgage can be taken out as secured loans against the equity in your property. This will enable you to take out a more substantial home improvement loans than you would get with an unsecured loan, and you can also enjoy lower monthly repayments and better interest rates.

 

3. Dealer financing: Whether you want to get central heating fitted or have all the doors replaced, or whether you want to redecorate throughout, have a new kitchen or bathroom, or any other type of home improvement, the dealer from who you buy the goods will finance you with home improvement loans and you repay the principle inclusive of a high rate of interest.

 

4. Home Improvement Mortgage Refinance: Many homeowners are refinancing to lock in attractive long term fixed interest rates, and thereby using the extra money to pay for remodeling projects. With this type of home improvement loan, you can schedule repayment for 20 or 30 years into the future, and the interest is tax deductible. However, one drawback is that because you'll be repaying the money slowly the accumulated interest can be quite significant.

 

5. Home Equity Loans: A Home Equity Loan allows you to borrow against the value of your home and is also one of the smartest ways to finance home improvements. Although one major drawback is that if you default on your payment, you run the risk of losing your home, so paying these loans back in a responsible manner is an absolute must.

 

6. Bank Loans: Regular Consumer Bank Loans come in handy as home improvement loans, especially for those home owners who need to borrow relatively small amounts of money without much paperwork or delay. These loans usually need to be paid back within a few years, rather than a few decades.

 

7. Low interest fixed rate loans: Homeowners, including those who have little or no equity in their property, may be eligible for a low interest fixed rate home improvement loan to fund repairs. Whichever way you may choose to meet your home improvement loan it should suit you're your budget and timeline. Look for monthly payments that you can easily manage, and an interest rate and schedule of repayment that meets both your short and long term goals


5 Basic Tips When Choosing Hardwood Flooring


Are you having trouble starting to wonder what to look for when deciding what hardwood flooring to choose?  There are so many questions and several things to consider prior to choosing hardwood flooring for your home.  Before you rush out shopping for on hardwood flooring, this article will illustrate to you some basic tips you should ask yourself before making your flooring investment.

No matter what your personal style is, there is a flooring choice for you because of the unlimited selection available. But before you rush out shopping for your hardwood flooring, keep these tips in mind.Set a budget for yourself. Having a wide variety of flooring to choose from is great, but the downside is that it is easy to get overwhelmed quickly, and this makes you very susceptible to overspending. Remember to balance style with quality with your budget when you make your final choice.

 

Tip #1

You will be wise to match the room with your choice of flooring, whether hardwood or otherwise. For example, do not try to put hardwood flooring in a bathroom, due to the high levels of moisture a bathroom receives.

 

Tip #2

Different areas of the house demand different types of wood. For example, wood floors that have very light or very dark finishes typically do not fare well in the kitchen.

 

Tip #3

Choose a hardwood flooring that has an appropriate finish to match your lifestyle. A sitting room that is seldom used will let you get away with a lighter finish. However a hallway or living room will get continual traffic and requires a choice that offers a tougher finish that can stand up to a lot of wear and tear.

 

Tip #4

Consider installation - doing it yourself or having a professional installer do it for you? Many people successfully install their own flooring, but only after they have done their homework. It is often easer to hire a professional, but do you due diligence when selecting a hardwood flooring installer. You will want to be absolutely sure that it will be installed correctly.

 

Tip #5

Choosing the color and style of the floor can be the fun part. Choose a hardwood that fits your personal taste and your lifestyle. The comparatively high cost of the flooring and installation demands choosing a wood that will not go out of style quickly.


5 Popular Kitchen Designs


If you are looking to install a new kitchen into your home then you will find that there is a bewildering choice of free kitchen design ideas you could choose from to feed your own design plans.Together with the bathroom, the kitchen is the most important room in the house to get right in design terms. Aside from the hall the kitchen receives the highest amount of foot traffic in the home.Most people spend a lot of time in the kitchen, especially families and if something is not right it will bug you every time you look at it.

Design ideas can be found in many places such as house and home magazines, kitchen showrooms, diy stores, kitchen web sites and friends' houses. In the meantime here is a list of 5 popular kitchen styles that you can investigate to get you started:

 

Country Style

This style is also called early american or colonial and creates a lovely quaint farm kitchen look.

Typically the kitchen will feature open shelves, pot racks and a general feeling of being well lived in, accented by the various color schemes of the cabinetry.

 

Contemporary

This style has clean and simple lines.  Cabinets are usually futuristic in look with no carvings or particularly ornate features.

The emphasis is on style and practical sophistication.

 

Shaker

This is a simple and utilitarian style that features flat panel doors, wooden countertops and brass hardware.

 

French Country

These are warm inviting kitchens full of wood and soft colors.

Natural materials feature strongly as do large furniture pieces with ornate carvings.

 

Arts and Crafts

This is becoming a popular style and features glass doors and natural wood tones that are finished in a matte sheen.

This style can be very artistic.

 

Finally, take into account the themes you have used in other rooms to ensure that the kitchen design you finally choose fits well into your overall scheme. I hope that our free kitchen design ideas help you to get a good start in your project.


7 Fast And Easy Summer Decorating Ideas For Any Budget!


Summer decorating should add freshness to your home, not bog you down with more projects during an already busy season. Here are Budget Decorator's top easy, fast and cheap summer decorating ideas: 

 

1. If you want to add color to a room fast, paint is a great option. To save time and money however, try just painting the focal wall in a room. In most average rooms, you can paint just one wall in less than an hour!


2. Instead of sewing up new pillow covers and tablecloths, try using no sew techniques instead. Pillows can be wrapped in a piece of unfinished fabric on the diagonal like a present, and wrapped with decorative ribbon to secure it. Use duct tape to put a temporary hem in flat sheets or older tablecloths to make them fit your end tables and breakfast nooks. Once you have those tables covered, use cardboard boxes pushed under the tables to hide the kids toys and books and flip flops, but keep them handy. The floor length tablecloths will hide the storage area.

 

3. Take a box around the room and pick up all your knick knacks and collectibles. Now replace just three of your favorite items or collections. You will appreciate the less cluttered look, and the decrease in dusting chores as well!

 

4. If you love fresh flowers in your home, but hate the time and expense of changing the arrangements, find a sunny spot in your yard and toss out some sunflower seeds! Many varieties leave no pollen on your tables, are foolproof to grow, make your yard look great, and can last up to 10 days in a vase all for the cost of a packet of seed!

 

5. Take down your layered window treatments and pick up your area rugs for a cool, clean look for summer. Be sure to leave mini blinds or sheers on your windows for privacy and light control.

 

6. Clean the glass in all areas for your home! The shiny surfaces in your home reflect light and sparkle, both contribute to a fresh summer look. Don't forget your tv screens, kitchen appliances, and even picture frame glass. Try this one technique, and see if your rooms don't look brighter and cheerier, for no more cost that an little effort a few pennies of glass cleaner or vinegar!

 

7. Finally, mix up your decor a bit for a fresh take on the rooms you've spent so much time in these winter months! Move around some furniture, borrow and lend pieces from other rooms. Use clear strings of holiday light over the top of cabinets for sparkle. Bring out your good china and hang it on the wall as art. Put your toaster or bread machine under the cabinets for a cleaner look. Feel free to take down some wall art and store it for next fall. Paint your aging dining set a bright white.

 

Whatever you do to bring the summer season into your homes, make sure that you pick a couple of ideas from this list, and give them a try. They are fast, easy and cheap, what could you lose?


5 Ways To Brighten Up Your Bedroom, For Free!


The bedroom is the place we spend most of our time, yet also tends to be the most neglected when it comes to decorating. Nowadays, money may be a significant factor! Here are some great tips for brightening up your space with no money at all!

 

Tip 1.Rearrange! A new fresh arrangement always makes a room feel new. Don't be afraid to try new angles for your furniture place your bed on a diagonal, or even right in the middle of the room!

 

Tip 2. Search your drawers for scarves, tablecloths, or even pillowcases that compliment your color scheme. You can use things you already own to soften a dresser top or the edge of your nightstand, or perhaps lay a pretty shawl over the foot of the bed. If you already have throw pillows on your bed (if you don't, it's time to steal them from another room!) you can also wrap these fabrics around the pillows for a new look, and just safety pin it in back.

 

Tip 3. Add a plant to your room. Look around your house to see if one of your existing plants would be happier in your bedroom, then move it there! If you can't find a plant ready for relocation, make one! Many plants can be grown from cuttings, either your existing houseplants, one a friend may let you cut, or even some outdoor plants. Ivy and many shade groundcovers are very good houseplants. You can even relive your childhood a bit and grow a cut potato, pineapple, or carrot tops in a pinch! For containers, look into your kitchen cupboards. Old teapots and cups, glass bowls, even baking dishes can make unique containers.

 

Tip 4. Add memorabilia to your room. I keep a photo of each one of my children when they were small next to my bedside, and it always makes me smile. How about hanging your wedding veil from the headboard, or framing your wedding invitation or old love letters?

 

Tip 5.Add scent. If you don't have any potpourri or incense in the house, cut up some orange peels and allow to dry, then mix with whatever sweet spices you have in your cupboard. (It only takes a pinch, try cinnamon, ginger, or allspice.) Place your potpourri in an open bowl in your room to freshen and inspire! Later in the summer, make sure to include flowers in your room, if you don't have roses or other scented flowers in your yard, roadside daisies can smell great too!

 

Just a few small changes, no money involved, and a better, more positive place for you to start and end each day!


5 Ways To Dress Up Your Bath, In A Flash, For Little Cash!


Often the bathroom is one of the most overlooked rooms in the home when it comes to decorating. We tend to see it as a utilitarian space, even though we spend quite a lot of time here. Take an afternoon to turn your bath into a relaxing and soothing retreat for yourself and your guests, without spending a lot of 


                                                                            Number 1 
Paint the whole room, including the ceiling a deep, rich color. Even though this is a small room, a deep color on the walls allows them to fade away, and at once makes the room cozy and seems more spacious.

 

                                                                            Number 2
Get rid of the clutter! If you can't get most of the makeup and shaving cream under the sink, (and who can?) pick up a few baskets from the dollar shop and corral them in. Make sure there is a hamper. If you are short on space, use the kind that hangs on the back of the door. A large drawstring bag would work for this also. (He might actually even use its ok, it's a dream.)


                                                                           Number 3
Dress up that large frameless mirror. Hang swags of fabric from cup hooks to hide and soften the edges of the mirror, and to give it a frame. Or actually use cut lengths of 1x4 lumber, and attach them to the wall over the edges of the mirror to simulate a real wood frame. You can paint or stain them as well to coordinate with your cabinets.

 

                                                                          Number 4 
Speaking of cabinets, how about giving them a quick redo? Paint them black for a sophisticated look, or white with sponge painting for a country theme. Try any of the hot faux finishes. You can even paint the Formica counters. Just clean well and use a special primer first such as BIN or KILZ. Then seal with 4-6 coats of polyurethane after the paint dries. Should last for years!

                                                                          Number 5 
Lastly, add some detail to the room. Sew fabric edging to your towels, add a shell for a soap dish, and stitch up a pretty shower curtain to cover that vinyl one. Hang some calendar pictures on the wall in dollar store frames, perhaps of a faraway place you can dream about as you soak away your cares? If you have natural light in the room from a window, add a plant or two.

 

Now light up some candles, turn on some music, and fill the bath with sweet smelling bubbles. Your getaway awaits!


5 Tips To Create Style And Elegance In Your Home


Creating the perfect home requires a lot of time and energy. There are so many things you need to take into account, especially if you are new at it. There are some very basic things to get you started.

 

1) The first thing to look at is the personalities that are in the house. If you are single then you only need to look at your own personality. For couples, the personalities are very often opposites. One may be outgoing and the other conservative. Be prepared to compromise when making decisions on design and color.

 

2) Browse through magazines and design books to get an idea of what you really like and what makes you comfortable. This really gives you the visual you need to think with when it will come to designing your own rooms. If you've never designed a room before, it can be intimidating staring at those blank white walls trying to figure out what you are going to do in there. Magazines can really help a great deal there by helping you choose an inspiration room as a guide.

 

3) The color of the walls will set the tone for the room so really take your time on that one. First start with the colors you like. If you already have furniture or have some in mind, look carefully at the colors in them. You can draw upon some of the colors in fabrics you will use in the room. If you are having trouble deciding, then go back to the magazines or books and see how the walls are painted and look for the color accents in the furniture and how they all relate. If you are using a picture of a room as your inspiration then it can be a lot easier to get the color right.

 

4) When you put your furniture pieces in the room, keep in mind the flow of the space you are in. You don't want to make a room too small or choppy looking. Usually you know if it is not quite right. Rearrange until it is right.

 

5) Accent pieces go a long way in finishing up the look of a room. Plants and fresh cut flowers are great to put into any room. They have life in them that gives a comfortable feeling to any space. A crystal vase or candles can also soften a room. Framed posters or print and paintings on the walls are an age old custom of design. It is a staple that will never go out of style.

 

Design doesn't have to be hard. You just have to find out what your style is and what makes you want to be there and then have fun putting it all together.