Tag Archives: Home

Tips for First Time Home Buyers

December 29, 2023   Matt

Tips for First Time Home Buyers

Buying a home for the first time is very exciting – no more renting, you are now paying and investing in yourself by paying your mortgage. However, through all the excitement of a mortgage and buying a new home, it’s easy to get carried away and to forget some important things you should be looking for. It would be awful if your first home buying experience turned out badly and you bought a house that was a money pit because you didn’t take a few moments to look at all the aspects.

One of the key things first time home buyers should do is look into home warranties. A home warranty works similarly to warranties that you have on your vehicle or your appliances. You wouldn’t buy a new car or an appliance without a warranty, so why would you make the biggest purchase of your life and not get a warranty? Home warranties cover a variety of major repairs that may happen after you purchase the house. Home warranties are available for both new homes and older homes.

Either the buyer or seller can purchase a home warranty. If the seller has purchased the home warranty, it’s because they are trying to secure their pricing on the home and sell their home faster. As a buyer, you would purchase a home warranty as a safe guard against any major reparations that need to be done to the home that you couldn’t see, or tell, when you purchased the house.

Regardless of who purchased the home warranty, it is important to look at the coverage that is offered by the company. Coverage varies from company to company and state to state. When you talk to a home warranty agent, or look at the sellers’ policy, be sure to ask what is and is not covered on your home warranty specifically.

Most home warranties will cover:

  • Air conditioning system
  • Built in dishwasher
  • Built in microwave
  • Built in trash compactor
  • Ceiling fans
  • Central heating unit
  • Duct work
  • Electrical systems
  • Garbage disposal unit
  • Plumbing systems
  • Refrigerator
  • The oven or range
  • Washer and dryer
  • Water heater

Most of everything else is not covered. This includes:

  • Outdoor sprinkler systems
  • Outdoor water systems
  • Faucet repairs (unless otherwise stated in the policy)
  • Spas (you can request/add this coverage in some cases)
  • Pools (you can request/add this coverage in some cases)
  • Hot tubs (you can request/add this coverage in some cases)
  • Permit fees
  • Hauling away debris
  • Hauling away old appliances

It’s also important to find out when a request would be denied. There are plenty of reasons why a home warranty would be considered void, including:

  • Improper maintenance
  • Improper installation
  • Code violations
  • Unusual wear and tear

It is a good idea, when you buy your first home, that you have an inspection done on the house to ensure that it is properly up to the building codes and that there are no code violations and that the major systems and appliances in the house are properly installed and that they’ve been properly maintained.

Buying a home can be so exciting that you may jump at the first house that meets your needs and your budget – many people have been there. It’s always a good idea to take a step back from the situation and really look at the house – is this where you want to live for at least the next three to five years? Is it what you hoped it would be? Are there other homes that you are considering?

In some cases, having a home warranty can make or break the decision to purchase your first home. Most often, first time home buyers aren’t entirely up on what they are taking on – there’s no landlord to call if the pipes burst – that’s for you to handle. No heat? No hot water? You have to pay to replace and fix those items. These items cost up to thousands of dollars – do you have the money to fix and replace these major items, such as the electrical system, major appliance, hot water heater or furnace if they should stop working? This is why it’s always a good idea, especially for first time home buyers, to purchase a home warranty to protect them from the sometimes incredible expense that is associated with owning your own home. When you look for a home warranty, be sure to ask lots of questions and get a few quotes so you can compare the coverage on the home warranties and the rates that you will be charged.

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Everything You Should Know Before Attempting Any Home Improvement

December 14, 2023   Matt

Everything You Should Know Before Attempting Any Home Improvement

Before you decide to tackle your next home improvement project, read through these tips and tricks to help you throughout the process. Whether you are going to remodel a bedroom or bathroom, or even if you have decided to give your entire house a much-needed makeover, you are sure to gain insight from this article.

Make sure you save your home improvement projects for the summer time. If you do home improvement projects in the winter, you will find that it is difficult to maintain optimal ventilation as it is too cold, especially in areas that get really cold and snow. If you wait until it is warm outside, you can comfortably complete home improvement projects with the best ventilation.

Make over your concrete patio by using concrete stain to create the illusion of a rug or other pattern. Simply map out the pattern you wish to create with painter’s tape, blot on the special stain according to the manufacturer’s directions, and seal it all when you are finished. This gives your outdoor living space a whole new look.

When painting the interior of a home, it is important that you do only one room at a time. You do not want to have paint fumes in every room of your home. Also, painting every room at the same time can make you feel overwhelmed. Take your time to figure out how you want each room to look.

Hire a qualified contractor. If you decide to hire someone to do your home improvements for you, make sure they are qualified. Check with the city to make sure that the contractor is licensed and bonded, and ask for references. Most reputable contractors will also have a portfolio of their previous work. Get a written estimate and projected timeline for completion of the job.

Considering the cost of hiring a plumber, you will probably want to do some of the simpler plumbing tasks yourself. An essential tool is the pipe wrench. It is adjustable, so it can fit a pipe perfectly, and it provides an excellent grip and leverage. This one tool will more than pay for itself.

A great home improvement tip is to run a criminal background check on any potential repairman you’re considering. You definitely don’t want a convicted criminal inside your home, with access to all of your private information. Running a criminal background check on potential contractors is easy and will save you a great deal of stress.

If you do not want to spend the money on impact resistant windows and you are in a wind borne debris zone, consider adding a laminate film to the exterior windows. This laminate has been shown to protect the home as well as impact resistant windows and acts much in the same way a car windshield does when broken.

A carefully selected home improvement project can enhance the appearance of any house and add to its value as well. By remembering the tips and tricks in this article, you will be better prepared to take on an ambitious home improvement project that can create a more inviting place to live for yourself and your family.

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Expert Home Improvement Advice You Can Put To Good Use!

December 04, 2023   Matt

Expert Home Improvement Advice You Can Put To Good Use!

Nearly everyone has at least one thing that they would like to see changed about their home. Fortunately, many home improvements are projects that even a novice homeowner can tackle. You can, with a little planning, easily accomplish projects like cabinet refacing, adding decorative molding to walls, windows, doors, or outdoor projects like improving your gutter system. Some things, however, are best left to the pros, especially if they involve electricity or plumbing. This article will help you decide if your home improvement project can be done by yourself, or if you need to call in expert help.

Before you begin to paint the bookshelf in your living room, make sure to sand it down to it’s natural finish. After you sand it down, be sure to read the pros and cons of each paint choice. By doing this, you’ll end up with the bookshelf you imagined.

One of the latest trends for home improvement is painting the ceilings in each room. Instead of a generic white, it is highly beneficial, relaxing, and extremely decorative to paint the ceilings of each room a few shades lighter of the same color as the walls. Doing this brings the room more together and makes for a more relaxing and soothing atmosphere.

When undertaking home improvements that require the services of a contractor, ask your friends and family for recommendations of people they have used in the past. Interview the contractor and only hire a person that you feel you can rely on and trust. This will hopefully avoid you being the victim of bad work or service during your project.

To give your kitchen a facelift without a complete overhaul, consider painting your counter tops. There are specific types of paint meant for covering Formica or other laminate counters; these paints dry to a hard finish that can withstand the demands of a kitchen surface. Painting your counters is a great way to update your decor or hide stains without the expense of replacing them.

Throw your plastic shower curtain in the wash! Add a few clothes so they will swirl around with it and give it a good scrubbing. Even the most inexpensive shower curtains will survive one or two washings. You keep them out of the landfill and at the same time brighten up that tired bathroom!

When it comes to home improvement, be sure to have fun with it. This is important because it should be a rewarding experience for you. You will never fully enjoy your home improvement project if it was a burden and brings back bad memories. Consider hiring help if it is expected that you will run into issues completing the project on your own.

As you have read in this article, with just a little planning and some investigation, you can take on basic home improvement projects and make your home a happy, healthy place for your family. By knowing what projects you can do and what projects you should leave to the experts, you can even save a significant amount of money. So pick up that hammer and those nails, and have fun with your next home improvement project!

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How to Protect Yourself When Purchasing a Home

November 29, 2023   Matt

How to Protect Yourself When Purchasing a Home

When you are purchasing a home, whether it is your first or not, it is important that you protect yourself and your investment. Many people will make sure their appliances have warranties, as well as their vehicles. Most people will not make a big purchase like those without a warranty, so why is it that so many people make the biggest purchase of their lives (a home) and do not get a warranty?

There are many things you can do to protect yourself when you buy a home but probably foremost is ensuring that you have a warranty on that home. A home warranty is not a new product – in fact, home warranties have been around for quite some time. In the past, however, most people thought that home warranties were only offered by builders on new homes, but that is not the case. In fact, you can purchase a home warranty on any home, new or used.

Usually, either the buyer or the seller will purchase a home warranty. A buyer purchases a home warranty on an older home to safeguard themselves from any major repairs that need to be done that can’t be seen on inspection, or foreseen. It’s hard to tell that the water heater or furnace is about ready to kick the bucket and need replacing from looking at it. A home warranty protects from those repairs and replacements for the term of the policy. A seller will purchase a home warranty for the home they are selling as a selling feature. A home warranty helps secure their pricing near where it’s listed at. Also, many homes that come with a home warranty will sell much quicker than one without.

With this, it is important then that when you are purchasing a home that you ensure you have a home warranty. A home warranty will save you a lot of time, money and trouble if something major should go wrong. In most cases, a home warranty will cover:

  • Air conditioning system
  • Built in dishwasher
  • Built in microwave
  • Built in trash compactor
  • Ceiling fans
  • Central heating unit
  • Duct work
  • Electrical systems
  • Garbage disposal unit
  • Plumbing systems
  • Refrigerator
  • The oven or range
  • Washer and dryer
  • Water heater

Here is a list of things that are generally not covered with a home warranty:

  • Outdoor sprinkler systems
  • Outdoor water systems
  • Faucet repairs (unless otherwise stated in the policy)
  • Spas (you can request/add this coverage in some cases)
  • Pools (you can request/add this coverage in some cases)
  • Hot tubs (you can request/add this coverage in some cases)
  • Permit fees
  • Hauling away debris
  • Hauling away old appliances

There are items that are often not covered by some plans, which are covered by others, including:

  • Washers (because they are not built in to the home and are not always included with a home.)
  • Dryers (because they are not built in to the home and are not always included with a home.)
  • Garbage disposals
  • Garage door openers
  • Refrigerators

The best thing to do is to talk to the agent you are dealing with and ask what is and isn’t covered in detail with your policy. Anything you talk about should be put in writing and signed by the agent. If he says the garbage disposal is covered, then ensure it is written in the policy.

It’s best to take some time and do your research if you are purchasing your own home warranty package for a home. The rates, coverage and deductibles vary from company to company, and from state to state. There are many options available to you, so talk to a qualified home warranty agent to discuss what type of home warranty program suits your needs the best.

If you are buying a home that comes with a home warranty, it’s important to remember that this type of warranty is non-renewable; whereas if you purchase your own, it is likely able to be renewed when the initial year-long period is up. Again, it’s important to ask of the seller what is included and not included in the warranty before purchasing the home. Read through the policy to be sure you are clear on what is and is not covered.

Buying a home is an exciting time, but it can also be quite daunting. You never know what you are getting when you purchase an older home, but a home warranty can help dispel any misgivings you have.

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How To Deal With Home Improvement Easily

November 14, 2023   Matt

How To Deal With Home Improvement Easily

We see the same scenery every single day in our houses, and that’s why so many homeowners decide that it’s time for a little remodeling. Painting the walls, rearranging the furniture, and going with new molding — these can seem like easy enough tasks from the start. However, many people find that they’re daunting. No matter what your goals are, check out these home- improvement tips.

A simple and effective tool for improving your use of energy and improving the nature of your home dynamic is to install and utilize automated thermostat systems. Although they can be expensive, they will cover their own cost over time in your overall lower energy bills while making your home more green.

Be prepared for the plumbing work to take longer than anticipated. Whether you are installing a shower, a sink or a toilet, have a backup plan in case you and your family have to go without for a while. Make sure everyone showers before beginning the work or arrange with a family member to let you spend the night if need be.

If you are buying tools and equipment for a home improvement project, don’t cheap out on the essentials. For example, a cheaply-built ladder will often fall apart while being used and low-quality paintbrushes may shed bristles into the paint, leaving ugly marks on the walls. Aim for middle-grade equipment if you are on a budget, otherwise, you may be in for some nasty accidents.

Open up the curtains and blinds during a showing to allow natural light into the home. If the outdoor scenery is not desirable, consider keeping the blinds somewhat closed to draw less attention to it. Turn on all of the lights in the home so the home looks bright and cheery instead of dark and dreary.

For the easiest modern touch to the home, consider using wallpaper. Wallpaper these days can offer quite modern and funky designs, which can generate a great update for your home. This can give you a great look for the home with less effort than painting.

Consider the value that you are adding to the home through home improvement projects. You want to make sure that what you add to the home or change in the home is going to present an investment that pays off if you sell the home. You want to add value to the home, not take it away.

Reuse as much as possible during your home improvement to save money and help the environment. If you can paint your cabinets to give them a new look, why not? Replace the knobs or handles on them as well to modernize their look. Consider painting tile instead of replacing it to freshen a room.

Something that seems on the surface to be so simple can end up being incredibly complicated if you’re not aware of how to handle a task. Painting can turn into a nightmare; adding more lights could leave you in the dark. The tips in this article will help you learn about home improvement, so put them to good use.

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Tips That You Can Use To Make Your Home A Better Place To Live

November 09, 2023   Matt

Tips That You Can Use To Make Your Home A Better Place To Live

It is hard to get home from your job and face another task–however home improvement are rewarding. These tips will help you decide when to hire a professional, and how to find a good one. They will also help you figure out how to do a great job on the remodeling or repair tasks you decide to do yourself.

If a contractor appears at your door and offers his services to you, be wary. Some companies like roofers or fence builders are known to use this tactic, but you should still do your research before you decide to hire them. Check the BBB, online reviews, and all supplied references.

If you are doing a home improvement project that involves demolition, slow down and take your time. It may be exciting to smash that wall open, but you could damage structural supports, plumbing, or electrical connections. The same is true of pulling down cabinets and other fixtures. Once you’ve demolished it, it can’t be put back, so pay attention to what you’re doing.

Landscaping is the largest component of curb appeal. Make sure that your lawn is green and mowed, that there are no weeds growing in your flower beds and that all bushes, trees and shrubbery are trimmed and shaped nicely. These things can make your home look well cared for and put together.

If a person has pet cats they should consider building a catarium or screened in play area for their pet cat. It will give the cat the stimulation of being outdoors with the safety and control of being screened in. Also it will provide the person a place to play with their cat or enjoy the outdoors.

When doing a home improvement project that involves sanding of joint compound or plaster, use a wet-sander. A drywall wet-sander features a sanding sponge with two sides, one for course work and the other for fine sand for finishing. This will help reduce the dust produced from the sanding and prevent other areas from getting dirty with the fine dust.

Put in an outdoor motion detector for your outside lighting. This way the lights will only be on when they are activated and not all day or all night unnecessarily. Most people don’t need their outside lights other than when they come home or leave after dark.

Locate the studs in the wall prior to beginning to hang your new cabinets in your kitchen. Using a finishing nail to mark each stud is going to save you the time of missing the stud and having to put multiple holes in the cabinets trying to find the stud to hang them on.

You now have some conceptual tools for your home improvement projects. They have also clued you in about the tools like wrenches and saws which you will need in order to do a professional job yourself and have addressed the question of when it makes sense to hire a professional. You may want to create a new “to do” list now!

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