Use Different Textures to Spruce Up Your Home Blog

Saturday, January 29, 2022   /   by Jerry A

6 Major Mortgage Mistakes

Whether you’re scoping out a vacation property or looking into becoming a homeowner for the first time, applying for a mortgage is a lengthy and complicated process. While your real estate agent and lender will be there to walk you through the details, knowing what possible errors could lay in waiting will help you make the best decision. Let’s review some of the most common mortgage mistakes so you can avoid making them.
1. Weak credit history
Loans are all about credit history – it’s hard to land a mortgage without one. But having a credit history doesn’t mean you have a lot of credit; it simply means you have been given credit in some form and have a documented history of repaying it. How much credit? Lenders often like to see at least three lines of credit with a minimum two-year history on each.
And of course, you don’t just need a credit history; you need a good one. Pay down credit cards and loans regularly to heighten your score.
Pro tip ...

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Saturday, January 22, 2022   /   by Jerry A

Low Credit Score? Your Mortgage Options

Having good credit won’t get you a mortgage by itself, but it definitely helps. A good credit score can result in a lower interest rate and better loan terms, while poor credit can lead to a higher interest rate for a mortgage. 
But it’s not impossible to obtain a home loan if you have poor credit and are working to improve it. Here are some options:
Wait a Few Months
Work on improving your credit score for a few months, and then try to get a home loan. The wait may be worth it and could boost your credit score just enough to qualify for a loan.
There are several ways to improve a credit score. Reducing debt is the best way, so do all you can to pay off your credit card bills. If you have a history of late payments or just a few of them, stop that bad habit and start paying all of your bills on time. 
Also, check your credit reports for errors and fix them, and don’t apply for new credit cards when shopping for a home loan.
FHA Loan
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Saturday, January 15, 2022   /   by Jerry A

Finding Functionality for Every Room

You probably have a room in your house that doesn’t get used much or is just acting as storage for your “extra” stuff. Empty nesters are especially prone to having a bedroom that is no longer used and has become messy and unorganized over time.
Rooms like these are an opportunity when selling a house. Presenting a room in a creative way can appeal to buyers who visit your home. Anyone buying a home is going to expect bedrooms, dens and living rooms, so transforming a spare room into something unique is sure to be noticed. Here are some ideas for turning that bonus room into something special quickly and without a high cost.
Recreation Room
Buyers with kids are sure to appreciate a room that promotes family time. While playrooms filled with toys are common, a room where everyone can gather and interact is a great idea. Put board games in the room and set up a table with a puzzle on it. Also include books, magazines and coloring books, but not a TV. Invite house hun4 ...

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Saturday, January 1, 2022   /   by Jerry A

5 Home Splurges Worth the Cost

The idea of a splurge means different things to different people, depending, in great measure, on how much “discretionary income” you have to spend. But while the things we choose to splurge on are a matter of choice, there are some luxury creature comforts that can make nearly everyone happier
When it comes to your home, decorators say splurging on items that look better, last longer, and/or increase our personal comfort are often worth more than they cost.
Luxury Linens – A good French linen duvet set, which will set you back about $250, is an heirloom-quality splurge that will get softer as you use it, is strong enough to withstand time and will keep you cooler in summer and warmer in winter. The same is true for expensive Egyptian sheets, which wear better than their cheaper cousins and have a lovely, silken feel.
Turkish Cotton Towels – Aside from lending a luxurious, spa-like feel to your bathroom, these hefty towels are more absorbent and dry fast4 ...

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