Tag Archives: home

3 Top Reasons That You Should Use a Mortgage to Buy a Home

a houseWhen buying a home in a tight market, you’re always trying to beat your competition as you put an offer on the home. One of the ways to do so is by offering to pay in cash. While this may make you look more attractive to the seller, it isn’t the best move to do. Here are three reasons to opt for a reliable mortgage lender in Utah instead.

You get to keep some liquidity

Imagine having used up all the money you had in the bank to buy a home, only to realize the roof needs renovation, or that you are about to be laid off at work. There are numerous things that may come up which need money. By applying for a mortgage, you only get to pay the down payment and the closing fees and are left with money that you can use to take care of unexpected expenses.

That money can be invested in a better place

Having enough money to buy a home means that you have a huge amount of cash you can invest, once you pay the down payment. There are plenty of solid investments that can bring impressive returns. For instance, you could invest in the stock market or start a personal business.

You get a significant tax break

Every homeowner who buys using a mortgage receives a tax break on the interest that’s paid to the bank. The tax break you accrue by the time you are done paying the mortgage is a relatively big amount. Buyers who pay in cash miss out on this benefit.

Ultimately, how you decide to finance the purchase of your home is up to you. But, with all the benefits of using a mortgage to buy a home, it’s almost always the smarter way to go.

The Millennials are Buying Homes: Here’s the Surprising Reason

Real Estate Agent Showing the PropertyThere’s been endless talk about the relationship of millennials with property. Many surveys show that with house prices too high and student debts strapping them down, buying homes is just not a priority. But it does become a priority for millennials when they take into consideration one important thing: their dogs.

For the Love of the Four-Legged Beloved

A 2017 survey shows that a third of millennials bought their first property because they felt the need to have a space for their dog. This special consideration when purchasing homes comes in third of the reasons cited, far more important than having children and getting married.

The top two reasons to buy homes were to have more living space and build equity. For those who never purchased a home yet, almost half of them shared that their dog would be a big consideration in buying a property.

So, what does this mean for property sellers? Dog-friendly homes: maximized indoor spaces, increased security with decorative metal fence panels you can get from vendors such as GreatFence.com, and a playable yard.

A Pet-Friendly Space

Millennials are already driving the workforce. So it makes sense to consider them as a profitable property market. And in so doing, it’s important to appeal to such needs and preferences. Building a dog-friendly home starts with making sure that dogs have enough access to water, shade, air, and natural light.

So, it’s best if you could have open spaces, instead of the traditional walled sections to lessen obstructions for dogs, helping them move freely and making it easier to go outdoors for play.

If you could create an area in the house where millennial homeowners can let dogs rest and keep pet-related items (e.g., food, toys, leashes, etc.), that’s better. You can do this by offering lots of storage spaces in the garage or outdoor shed.

It’s also important to spruce up the yard, with special consideration on security. Make sure to install a fence around the outdoor space. You have many options here: aluminum, wood, vinyl, or chain link: choose the one that can complement the home’s overall aesthetics.

Millennials are buying homes – bringing in their furry friends. When they visit your property, it surely must be dog-friendly.

Three Effective Types of Furnace Filters

Furnace FilterIf you own a home, you should know the importance of home maintenance and improvement. Caring for your home keeps you healthy, but it also saves you money that would otherwise go to replacing parts. However, one thing that you might forget to check is the furnace.

One of the parts that require the most attention is the furnace filter. Its primary role is to keep indoor air clean. Initially, the filter just protected the inside of the furnace, but now it also removes harmful particles from the air. In Utah, services like All Hours Plumbing and HVAC might recommend these three common types of filters:

Fiberglass

Fiberglass filters are disposable and are incapable of stopping debris, dust, and lint from clogging your system. In fact, fiberglass filters are not very effective in cleaning the air. Still, if you are looking for a cheap option and are sure that you have no allergies, fiberglass filters are okay as long as you change them often.

Disposable Pleated Filter

This filter is also popular among homeowners. It is made of polyester or cotton paper, which means that it is affordable. The materials forming the disposable filter are also environmentally friendly. The filter can trap particles as small as spores. However, it must often be changed.

Permanent Electrostatic

If you want to have to worry less about your furnace filters, the permanent electrostatic filter is an excellent choice. It is made of fibers that can charge themselves. It is removable and can be machine-washed without compromising quality. A permanent electrostatic filter can last up to eight years.

The given filters have varying prices. It is always a better idea to go for the most efficient and durable filter even when it warrants a hefty price tag. Your indoor air quality is paramount.

Home Improvements: Understanding Cracks and How to Fix Them

Fixing a Cracked WallHome-owners are constantly looking for ways to keep their house in the best condition at all times. Maintenance is an essential part of ensuring your home is in good shape, and fixing small problems such as cracks on your own can save you a lot of money in the long run.

You could always use concrete patch repair products to solve this issue, but to know how to prevent them, Form Direct notes that it is important to understand how they happen.

Weather

Changes in environment and weather contribute to the destruction of walls. As temperature drops and rises, structures shrink and expand to cope. Usually, these changes in temperature create superficial cracks on walls.

Weak Foundation

When a structure is newly built, time is essential to strengthen the foundation. Unfortunately, in some cases, the house is occupied too early, and thus the foundation is not strong enough to bear heavy objects.

If you notice deep cracks around the house, your house might be sinking on its foundation. This is a dangerous situation because the walls and ceiling could collapse.

Too Much Load

There are instances where cracks appear after structures endure heavy loads. For example, chandeliers are heavy decor, and this can lead to cracks in your ceiling. A big heavy sofa can likewise create cracks on the floor due to its weight.

Moisture

This is the least expected factors, but it is common. If you are encountering leaks around the house, this might stem from moisture that breaks the core of the structure superficially.

You could use patching to cover them, but keep in mind that mould and mildew can cause damage, so make sure to seal any leaks.

The presence of mould and bloating will deteriorate the integrity of the materials. You also need to make sure your home is free from any water leaks and damage. You should also deal with any holes or cracks on your walls immediately.

Salt Lake City Joins Top Housing Markets as FHA Raises Loan Limits

Paper with words fha loanRealtor.com ranked Utah’s capital as the top 6th housing market in the U.S. for 2018 when the Federal Housing Administration (FHA) plans to increase loan limits in almost every part of the country.

The online property portal listed Salt Lake City among the “hot” markets for homebuyers, based on its National Housing Forecast report. On the other hand, the FHA will implement the new limits on or after Jan. 1, 2018.

Easier Times Ahead

Danielle Hale, Realtor.com chief economist, believes that home buyers in Salt Lake City will find it easier to purchase properties next year. This expected scenario will stem from a bigger housing inventory, which will help in controlling price hikes and moderately hasten home sales, according to the report.

The city’s real estate market also reflects a strong economy, as prices and sales are expected to grow 4.5% in 2018, Hale said. This will exceed the anticipated nationwide average for property price growth at 3.2%, down from around 5.5% this year. Prices in Salt Lake City may be higher than the national average, but an FHA loan lender may help your budget for a home purchase.

Higher Limits

FHA has expanded the coverage of higher loan limits in 2018 to 3,011 counties in the U.S from 2,948 counties this year. Only 223 counties will still have the same limits on borrowed funds.

The agency will raise the ceiling amount in expensive areas to $679,650 from $636,150 in 2017, while the minimum amount will increase from $275,665 to $294,515. The current minimum amount comprises 65% of the national conforming loan limit of $453,100, which applies to counties where 115% of the median home price amounts to less than minimum limit.

Conclusion

Salt Lake City’s housing market will be in-demand next year, which is why home buyers should be ready to compete with rival bidders on property listings by planning their financing strategies.

Why Garage Roller Doors are Great for Your Space

A garage door being installedMore and more business owners nowadays prefer roller doors over the conventional type. Roller doors offer unique advantages to one’s business, one of which is adding efficiency to the workplace. Also, with the increasing number of burglaries and break-ins, business owners in Auckland prefer garage roller doors which provides them with better security and peace of mind. From All Steel Security, an industry expert, let’s find out some of the benefits roller doors offer.

More privacy, light and air control

Lack of privacy can be dangerous sometimes. Burglars will window shop as they walk past a garage to familiarize themselves with what to steal and how. Luckily, roller doors solve this problem by providing a steel barrier in front of your door.

Roller doors are also recommended for garages located in a noisy environment because some are designed to reduce noise up to about 45%, allowing you to work without that much noise.

They also allow you to control the amount of light that enters the garage. You can choose to either darken the room by lowering the shutters down or adjusting them to let the amount of light you are comfortable with. You can also control the air flow into the room. You can choose to allow fresh air to flow through the shutters or block it depending on your preference.

Inconspicuous and secure

Roller doors look inconspicuous, hence giving those who might be thinking to break in a hard time. This way it also provides more security for your space.

They also have a complex coil mechanism that allows them to roll upward while not in use, offering ample space for movement. They also have a neat aesthetic that gives your business a great look whether open or closed.

Roller doors are undoubtedly secure. They may be light in weight but are very strong. They are usually installed either in manual or motorized varieties. Also, they come with a guide rail for installation. Intruders will not be able to see the screws as long as the shutters are in a closed position, denying access since they cannot easily break.

If you are thinking of replacing your door, it is wise to opt for durable material and design like that of the roller door that is guaranteed to serve you for a longer time.

Time to Brighten Up! 3 Effective Ways to Let in the Light in Your Home

White dining roomLooking for possible ideas to transform the dark and dingy areas in your home without emptying your pocket? You need not search any further. All you need is a few design tricks to bring in the lights and life into your home sweet home. If you’re wondering how this is even possible, follow these tips and tricks to find out:

Choose Light & Pastel-Coloured Furnishings

When choosing furniture, always go for lighter or neutral shades. Darker ones tend to deflect and block off light coming through your home, which could obviously make your home looks dimmer. Now, your biggest concern would probably be about keeping them pristine and spotless at all times. The only thing you have to remember when you have light-coloured furnishings is you need to know the proper way of cleaning and polishing them and you’re all good.

Bring in Some Mirrors

Double the amount of light that enters your home by adding mirrors. The idea of hanging some mirrors or using glass and other surfaces provides a reflective effect, which perks up any plain and dark area. Along with that, it makes any room larger than it is because it creates an illusion of space. When buying mirrors from Auckland stores, you may go for items in different forms and shapes. All you need is to make sure that it’ll go along with your home’s overall interior design. This would make the flow in your home go smoothly and pleasing to the eyes.

Keep the Windows Open & Clear

If you have trees and plants that might be cushioning your windows, be sure to cut or trim them routinely. There have been cases where homeowners complained about not getting any hint of sunlight inside, only to find out their garden needs a little bit of cutting and maintenance. As for choosing curtains or draperies, try to go for sheer fabric with lighter tones as they could let in the lights and allows sunlight to pass through inside.

When it comes to achieving brighter and livelier home, you don’t need to resort to renovations or complete makeovers. You just need to understand the basic concept of designing and you’ll go a long way. In home decorating, even the simplest and subtlest changes could make a big difference.

Fixing drain problems

Common Drain Problems that Require Expert Plumbers

Fixing drain problemsWith home ownership comes responsibility. One of the systems in your house that you should ensure is always in good condition is the drainage system. Drainage systems not working correctly can lead to costly damage to your property.

There are many varieties of chemical drain cleaners available in stores in addition to other products that tout themselves as the ideal solutions for drain blockages. A plunger can quickly clear minor drain clogs, but some drain issues might be an indication of a more significant problem.

Here are some drain problems that require professional plumbing attention.

Slow Drains

Never underrate the gravity of a slow drain. Slow drains might point to an improperly graded drainage system, narrowed pipes due to the accumulation of grease and mineral or the early phases of clogs. DIY attempts are ineffective and waste your time and money.

Slow drains can quickly escalate to broken or damaged pipes if you do not pinpoint and repair the problem early.

Several Clogged Drains

If multiple drains in your house are clogged at the same time, the problem might be in the main drain system and not individual drains. Chemical drain cleaners and plungers will naturally not reach into the drain system to get rid of clogs. Left unattended, clogs occurring in multiple drains can cause flooding.

Persistent Foul Odour

If there is a constant sewer odour originating from your drain, it could indicate a significant drainage problem. It might point to the presence of pollutants that have accumulated in the drain or a sewage backup.

A professional plumber can use a sewer camera to diagnose the problem and use the right tools to fix it so you can have a fresh smelling home again.

Among the most serious problems linked to drain blockage is water flooding. Should you notice contaminated water on your floor, call a plumber promptly. A timely intervention will avert environmental damage and negate the need for an expensive major cleanup.

Changes in the House to Prepare for Winter

SkiingFall transitions quickly into winter and before you know it, you’re knee-deep in the snow while getting those last-minute Christmas presents sorted. Now is the perfect time to do specific tasks, before the cold makes them more difficult to accomplish.

Here are changes in the house that you should do now:

Repair Heating Appliances

You will need full use of your furnace and water heater in winter. If you notice they are not working efficiently, it may be time for an inspection. Water heater repair is pretty straightforward with the help of a trusted handyman, so you should call someone like Whipple Service Champions in your local neighborhood in Utah for a quick response. Be careful with furnace repair, as tinkering with it could only make matters worse.

Prepare Your Lawn for Spring

Who wouldn’t want to have a beautiful lawn come springtime? You’ll be the envy of your neighbors if they see an assortment of flowering plants adorning your garden. Sadly, it’s not something you can achieve overnight. Flowers need time to bloom, and grass needs enough nutrients to grow healthy. The soil also needs your attention. Preparations start as early as now, with you making sure the grass doesn’t develop any fungi in winter. It’s also time to fertilize the lawn and remove weeds.

Inspect the Roof and Gutters

Your roof and gutters will be subjected to a heavy load. Snow will accumulate on them and test their strength. You don’t want to be dealing with a collapsed roof due to too much weight. If you notice the gutter sagging, have them replaced before fall is over. You should also check that the roof is not hiding any issues that could affect the house’s insulation in winter.

Couple looking at the house

Elements that Make Utah a Good Place for Your Family

Couple looking at the houseWhen you’re thinking about your family, you’re thinking about something permanent. You don’t want to be moving around with them if it can be helped. This means it’s important to think about where you’ll plant your family’s roots.

Salt Lake City is one place to consider. Here are three things that make this place in Utah a viable option for your family:

Good Mortgage Rates

Rates are variable all around the United States, with some cities being more expensive than others in terms of home purchase. City Creek Mortgage in Salt Lake City gives you the opportunity to own a property with the best mortgage rate your money can afford. They consider your finances, just like everywhere else, but the properties available within your budget are more than adequate for your family’s needs.

Good Business Opportunities

What would you do with a house if you can’t get employed? In Salt Lake City, whether you’re looking for a job or planning to start a business, you have a good place to get your bearings. Salt Lake City has been named one of the places where young professionals thrive, and that means opportunities to be part of a business that’s fun, dynamic, and unique. With an average rent of $840, you’ll comfortably afford to live in Salt Lake City. Just think of how much better your life will be after you finish paying for your own home’s mortgage.

Good Entertainment Options

Utah is a state that’s not just for work. Here, residents play hard, too. For instance, in Salt Lake City, there is the Salt Lake Comic Con that brings together a great number of comic book fans, sharing their interests and talking with some of the best artists in the genre. Other activities are also scheduled throughout the year, giving residents plenty of opportunities to unwind.

Choosing a home is not just about finding the most affordable house. It’s also about looking at what the city has to offer.