My home is my paradise

Choose the Best Garage Door in Modern Life July 14, 2010

A garage door is one of the most important apparatus of your garage. It not only provides protection but also can be a design statement for the rest of your property.

Before you build a garage or decide to give existing one a facelift, it is indispensable for you to determine the style, shape and size of your garage door. This will give you a fair idea on how much drive through width you require and also so you don’t end up compromising on a mannered garage entry.

Select The Material Wisely:

The most important apprehension in setting up your automatic garage door is the material used. Selecting the best automatic garage door materials for your needs will depend on a few things like the style of your home, and how warm you want your garage to be. When you’re planning to establish a garage door, you must think about door type and materials. You can also incorporate into your plan such things as heated garages or unique window options.

Automatic garage doors are by far the trendiest type of garage door available to homeowners. With automatic stop and begin features, people find automatic garage doors easy to use, with wonderful options and security features. Automatic garage doors work with a rolling system. The door rolls up and stores along the roof of the garage. Automatic door features to look for are that they are smooth, quiet and condensed. Installing an automatic garage door is simple; do it yourself, or get help from the manufacturer.

Walk With The Upcoming Trend:

Automatic prefab garage doors are becoming progressively more fashionable because of the economy. Everyone wants to have a beautiful garage door and still purchase within his or her budget. By purchasing a automatic garage doors you can have the beautiful home and not worry about the stress of building or paying several businesses to make your home look great. By purchasing an automatic prefab garage door, you still get to choose your options and most places allow you to personalize your home so that you feel like you build it. You get to have control on what it looks like, but you get it for a fraction of what it would cost for you to build.

People who procure automatic prefab garage door from all of the social classes have different interests. There is no specific group of people who purchase prefab doors. Automatic doors are usually associated with rednecks since most automatic prefab garage door are like trailers, but that is not the case. Don’t stereotype prefab doors because even people who are well to do have a prefab home.


Spanning Out To Your Garden To Enhance Your Home Design July 13, 2010

When people think of home design, the first thing that pops into their minds is generally the interior of the home. However, what many people may not realize is that home design is every element of the home, including your garden. When it comes to your garden, no matter what type it is, whether a flower or vegetable garden, you can decorate it with exquisite tastes that ensures that it is the highlight of your day.

You want to make sure that when you are considering home design, if you have a garden that you do not leave it out of the design factor. Creating a warm and inviting environment outside is crucial to the overall appeal to your home. As a gardener, you likely spend a good deal of time outside within your garden, digging, planting, weeding, watering, and taking general care of your plants. Therefore, why should not your garden be a beautiful and appealing place, since you have to spend so much time within it!

There are many different home design elements that would look perfect out near your planting area. You have choices from decorative elements such as statues, water fountains, walkway materials, and so much more. One great idea, particularly if you have a flower garden is to place a table and a couple of chairs either within the area or on the outskirts. This can serve as a great place for you to get away or even entertain visitors. What could be better than sitting next to or in your beautiful flower garden while having a great conversation with a close friend or neighbor?

Many people choose home design ideas that mean something to them personally. For example, there are many garden stones that have creative and inspirational saying etched upon them. These might be perfect out in your planting area. On the other hand, you may like the idea of statues within your garden. Statues come in many different sizes, shapes, and designs.

Many people choose to use a trellis. These are absolutely beautiful in almost any outdoor settings and come in a variety of styles as well. Depending on your home design tastes, you can find trellis in several different varieties, such as metal, wood, or plastic. At the same time, they can be simple and plain, or boast intricate and beautiful designs. What is more, a trellis can come in or be created in almost any design or color that you choose.

Other home design garden decor might include a bench, which is perfect for just taking a moment to relax and enjoy the scenery. You might also want to consider a water fountain of some sort. These too come in a variety of different styles, designs, and sizes.

The good news is that when it comes to home design and your garden you are only limited by your own imagination. You can purchase a variety of elements to create the perfect setting or even create your own.


Shopping for Kitchen Cabinets: Choosing the Right Kitchen Cabinet for your Price Range July 7, 2010

Kitchen Cabinets are by and large the core of any kitchen. They can be highlighted by kitchen appliances such as the refrigerator, stove, cooktop, dishwasher and microwave, or these appliances can be modified to blend in by using panels that match your kitchen cabinets.

Shopping for kitchen cabinets can be intimidating, especially for a first time buyer. There are hundreds/thousands of major kitchen cabinet companies, and many more smaller custom kitchen cabinet shops where you can get any cabinet made from any species of wood that your mind can imagine. Add to that list the explosion of RTA Kitchen Cabinet importers, and the laminated cabinet manufacturers, and suddenly the list can be overwhelming. Not to mention the fact that higher price always means high quality in construction, or more features being available.

In the past, pricing had always been the way to categorize kitchen cabinets. Traditionally, tthe higher-quality cabinets simply cost more money. As I mentioned before, with more and more importers conforming to the KCMA (Kitchen Cabinet Manufacturers Association) building standards, some of the RTA Kitchen Cabinets or Stock kitchen cabinets can actually be a sturdier cabinet than the traditional, made to order cabinets. Regardless of what type of kitchen cabinet you decide to go with, it does not take much effort to spend tens of thousands of dollars on the actual kitchen cabinets.

Most kitchen cabinet manufacturers build their kitchen base and wall cabinets in standard sizes. The kitchen base cabinets are often 34.5 inches tall and 24 inches deep. They come in widths starting at 12 inches and can go up to 48 inches often in increasing width increments of 3 inches. Kitchen wall cabinets are often 12 inches deep and 30 inches or 42 inches tall. They also come in the same size widths as the base cabinets. Wall cabinets also come in several different heights and depths for locations such as over the refrigerator or over the microwave/hood range unit. With custom kitchen cabinets, you have even more choices available, since the kitchen cabinets will be created specifically for your kitchen space.

Different semi-custom kitchen cabinet manufacturers make different-sized kitchen cabinets for all sorts of special looks and situations. It is not uncommon to have one cabinet extend beyond adjacent cabinets to create a distinguished look. It pays to shop around to see all of the different possibilities and special cabinet features offered by the custom and semi-custom kitchen cabinet manufacturers.

One of the biggest advantages to true custom kitchen cabinets is the ability to make one giant base or wall kitchen cabinet instead of separate boxes that are screwed together by the installer at the jobsite. A custom-cabinet maker can easily make one giant base cabinet 8 feet long that installs as if it were a piece of furniture. The same is true for wall kitchen cabinets. The advantage of this method is the lack of vertical seams where two traditional cabinet boxes would mate up to one another.

Pay particular attention to the materials used to build the kitchen cabinets. Some kitchen cabinets are made with minimal-quality engineered lumber, particleboard, or fiberboard. . If you plan to load a wall cabinet with heavy traditional china, the weight of the dishes may cause the cabinet to pull apart over time. This is particularly true when it comes to the semi-custom cabinets that the name brand cabinet manufacturers sell at the big box stores (which is why price is not always an accurate gauge of cabinet quality). Many of the RTA Kitchen Cabinet manufacturers use solid plywood sides, which obviously creates a strong kitchen cabinet box than a particleboard or fiberboard box. When it comes to custom cabinets, the material choices are endless and can usually be specified by the customer.

Another factor that will determine the price of kitchen cabinets is the material used to hold it together. Custom kitchen cabinet manufacturers will often use a combination of dovetailed joints, wood biscuits, and glue to create tight joints. Mid-grade kitchen cabinets will have a wide range of materials holding them together (staples and nails on the lower end, to cam lock assembly and wood glue on the higher end). Most RTA Kitchen Cabinet Manufacturers utilize the cam lock system, which creates a nice sturdy cabinet, and when enhanced with wood glue, can last a life time. Steer away from any kitchen cabinets that are using staples, wooden dowels, or just screws. The strength of the cabinet will be compromised at the joints with these weaker joining materials.

I have been remodeling houses for over 10 years, and have been able to weed out some of the kitchen cabinet choices that didn’t work for me. If you are interested in learning more about my personal preferences, check out my author bio.


FHA Mortgage loans are Easy to qualify for for, 97% FHA Home loan July 4, 2010

FHA Home Loan Florida

FHA loans make it Easy to buy a Florida home.

FHA Home loans have been helping Florida homebuyers become homeowners since 1934. How does FHA help? The Federal Housing Administration (FHA) – which is part of (HUD), provides FHA home loan insurance to insure private lenders against loss. The FHA home loan mortgage insurance allows private Florida lenders to lend up to 97% of the purchase price and allows financing with No Minimum credit score requirement for Florida homebuyers.

Apply at http://www.fhamortgagefhaloan.com/

Easy Qualification – The FHA loan insures lenders against loss for loans made to properly qualified FHA home loan borrowers. So you’re likely to find FHA loans with terms that make it easier for you to qualify.

Minimal Down payment Requirements – FHA loan can work with as little as 3% down and those funds can come from a family, grant , or your employer. Although the FHA loan does not have a zero down mortgage option yet, you will find that there are many Florida down payment assistance programs to help you with the down payment.

Less than A-1 Credit is Okay – The Florida FHA home loan program exists to expand the pool of home buyers. Even borrowers with prior bankruptcies or mortgage loan lates get approved every day for FHA loans to buy or Refinance homes in. The FHA loan program uses credit quality, not credit score!

Lower Cost Over the Life of the Loan – Florida FHA home loan rates are extraordinarily competitive. FHA’s lower risk to the lender means a better rate for the Florida borrower.

Safeguards for Borrowers Who Get Behind – FHA loans also allow the lender more options in helping borrowers who fall behind keep their homes are get current again: special forbearance, workouts, even free mortgage counseling. Further, HUD can allow the lender to take past due payments and move them to the end of the loan and in some instance will actually pay your past due payments for you. Options to save your home you’ll never get from a conventional loan! In an uncertain world, this is another excellent reason for you to get an FHA loan.

Options for Manufactured Housing – Under certain conditions, you can even secure an FHA loan for a Mobile Home or manufactured home using a Florida FHA mortgage loan.

FHA Loans Are Fully Assumable – When you are ready to sell your Miami home, you can offer buyers FHA financing! All FHA loans can be assumed by qualified buyers.

The FHA program has evolved since it started in 1934 and now has options for HUD insured loans that fit a variety of different borrowers and situations


Many reasons why Florida homebuyers Choose FHA mortgage loans

Florida home buyers should know the many advantages of the FHA mortgage loan programs. FHA loans were created to help increase home ownership. For the Florida home buyer the FHA program can simplify the purchase of a home, making financing easier and less expensive than a conventional mortgage loan product. Some highlights of the Florida FHA loan program include:

Minimal Down Payment and Closing costs.

Down payment less than 3% of Sales Price Gifts are allowed Seller can credit up to 6% of sales price towards closing and prepaid costs. 100% Financing available No reserves required. FHA regulated closing costs.

Easier Credit Qualifying Guidelines such as:

No minimum FICO score or credit score requirements. FHA will allow a home purchase 1 year after a Bankruptcy. FHA will allow a home purchase2 years after a Foreclosure.

To take advantage of the FHA program in Florida, give us a call 1-800-570-0448 or Visit http://www.fhamortgagefhaloan.com/

Without a doubt, there’s a mortgage meltdown across Florida. Florida mortgage Lenders are going out of business, mortgage standards are getting tighter and mortgage applicants trying to buy to refinance a Florida home are finding that getting a loan is far more difficult today than it was a months ago.

The odd part of the situation is that mortgage rates remain low by historic standards. And there’s plenty of mortgage money is available for qualified applicants — it’s just not available in some of the loan formats which have become so popular during the past few years.

One of the best choices available today  for Florida homebuyers is nothing other than the FHA mortgage program. FHA home loans have been round since the 1930s, the FHA mortgage has traditionally been a great home loan choice for Florida first-time borrowers and for those with low and moderate incomes. Over time the FHA mortgage program has been expanded to the point where it should be considered by all Florida home the majority of all borrowers.

What makes the FHA mortgage so good over other home loan options? The FHA Home loan has helped over 30 million borrowers purchase a home? Here are 10 key reasons to consider FHA loans if you’re in the market for real estate financing.

1. Unlike the toxic supreme home loan mortgage loans that have become so popular in the past few years — the Florida home loans which have led to so many foreclosures — the FHA mortgage loan is straightforward. There are no tricks, hidden fees, unexpected costs or dangerous payment increases. For the Florida homebuyer the FHA  loan program for borrowers who want both financing and financial sanity.

2. FHA mortgage loans can often be used instead of subprime or Hard money financing. Why? FHA mortgage rates are typically way lower, And there are no prepayment fees and you can get fixed-rate FHA mortgage loans and lock-in today’s interest levels.

3. FHA loans allow you to buy a Florida home with little down. The FHA mortgage program requires just 3.5% down to purchase a Florida home. Under certain conditions FHA home loan down payment money can be supplied in the form of the gift. Be aware that besides cash for a down payment and the seller can pay up to 6% of your closing cost.

4. Many conventional mortgage loans require Florida mortgage applicants to prove that they have cash reserves on hand at the time of closing. This means you may need thousands of dollars in savings in addition to the money required for down payment and closing costs and money saved for future mortgage payments. The FHA has no reserve requirement.

5. Under the FHA mortgage program Florida sellers are allowed to credit up to 6% of the sale price in the form of “seller contributions” to cover the Florida homebuyers closing cost and prepaid taxes and insurance. In a slow market — a market where Florida home sellers make concessions to move Florida homes — the seller contribution credit provided by owners can be used to pay buyer closing costs, maybe ALL buyer closing costs except for the down payment. Be aware that any seller paid closing cost must be in writing and part of the purchase agreement reviewed by lenders.

6. If you have been in a Bankrupt or in a past foreclosure, then you need to take a look at the FHA home loan. Under FHA rules, it’s possible to qualify for an FAH home loan in as little as a year — one year for a chapter 13 bankruptcy, two years for a chapter 7 bankruptcy and 3 years for a foreclosure.

7. The FHA mortgage may allow you to borrow much more than competing loans programs because it has unusually-liberal qualification standards. With the FHA mortgage you can spend as must as 50% of your gross monthly income towards all monthly obligations on your credit report..

8. You don’t have to be a US citizen to get an FHA mortgage loan. The FHA guidelines  says that the FHA home loan program is open to permanent resident aliens who can provide evidence of lawful permanent residency issued by the Bureau of Citizenship and Immigration Services (BCIS), a part of the Department of Homeland Security. Non-permanent resident aliens must show that they are eligible to work in the U.S. by producing an Employment Authorization Document (EAD) issued by BCIS.

9. You qualify for an FHA mortgage on the basis of your credit history, capacity to repay, cash to close and collateral. If you don’t have traditional credit, you can show such items as utility payment records, rental payments, automobile insurance payments and other direct reports from credit providers.

10. FHA mortgage loans are offered nationwide by thousands and thousands of FHA mortgage  lenders. Because FHA home loan are available from so many sources.


Wicker Furniture For Your Outdoor Living Areas June 24, 2010

Wicker furniture is one of the loveliest kinds of furniture. No matter where you choose to place it, it will turn your outdoor living areas into a scene of beauty. However, there are other reasons to choose wicker over other materials. The attractive appearance is only one of the benefits.

Wicker outdoor furniture is made with long-lasting strength in mind. Not only will you and your guests enjoy it today, it will be equally appropriate many years from now. Outdoor wicker furniture will withstand the direct rays from the sun, rain showers, and humid conditions, while never losing its nice appearance. Years into the future, your furniture will still look great and perform as great as it looks.

The comfort of wicker is another benefit. Whether you are thinking about adding wicker patio furniture to your patio, or increasing your outdoor living space with wicker garden furniture, its practical comfort means it is not only for show. You can spend long evenings relaxing, catch the bright sunshine throughout the day, or have the most excellent spot for entertaining, because it is the perfect way to complement warm weather, summery clothes, and good times. In fact, it is so comfortable that you might decide it is the ideal place to take an afternoon nap. As wicker does not become overly hot, like metal and plastic often do, the cool comfort will lead you to appreciate it immediately.

Strathwood Camano All-Weather Wicker Sofa

The element of choice is an additional benefit. The more options you have, the easier it is to find something that appeals to you and meets your own individual needs. One example is rattan wicker garden furniture. Whether your preference is for plain simplicity or nice cushions to enhance its appearance and comfort, lightweight, all-natural rattan furniture is a gorgeous addition to your outdoor lifestyle. Another example is white wicker furniture. It is one of those “perfect for everyone” styles. From the most sophisticated person to the most casual, each one of your guests will love it. There is something about stylish white furniture that makes summertime brighter and more festive. From having lemonade with your children to an outdoor dinner party for your coworkers, every moment will be more special.

4pc White Resin Wicker Outdoor Patio Furniture Set

Chairs of all sizes, tables, love seats and more, can all be found in wicker. There are many different styles of each to choose from, so coordinating with an existing theme or beginning a new one is easy. Children and adults of all ages all love wicker, for many good reasons. There is simply nothing nicer to look at, and nothing more comfortable to sit upon. In addition, its strong but lightweight construction makes wicker the easiest furniture to store. Whenever you wish, you may move it to a different location, or store it inside your house or garage. If your family lives in a region where extreme winters are on the calendar, storing it away for the winter is a quick, simple process. As soon as spring begins, your beautiful furniture will be ready for you to use again. On the other hand, as it is so durable and strong, you might want to use it on an enclosed patio all winter long. Whatever your personal preferences may be, wicker is definitely the answer. Your outdoor areas will be transformed into something wondrous.


Must-Know Modern Furniture Wet Cleaning Tips

Furniture doesn’t always come cheap and you want to get your money’s worth when you purchase any type of modern furniture for your home. While most classes of modern furniture do come with some kind of guarantee on the durability, it also would be helpful to learn more about regular cleaning and maintenance practices.

The more care you shower on each item, the longer will your modern furniture last and heighten the look and beauty of your home. A regular dusting and cleaning routine, both daily and weekly/fortnightly, will aid in keeping your modern furniture upholstery, looking as good as new, even after a couple of years have taken place.

Wet Cleaning For Upholstery

This should be done on a monthly basis at the minimum, though if you have the time and willingness, you could include it as component of your weekly routine also. Then, blend one part of liquid detergent to 4 parts of warm water and combine these ingredients with an electric mixer. The mixture needs to be blended until it is totally used up to form suds which are dry and peaked, much like in the way whipped cream or egg whites.

Before applying the suds to your modern furniture upholstery, do a spot test on an inconspicuous area of the fabric. If there is no effect on the fabric (running color, etc), dip a cleaning cloth into the suds and rub it vigorously over the top of the upholstery. Remove dirty suds using a plastic scraper, once the upholstery has been completely covered with suds and cleaned. At last, use a wet cloth to wipe any lingering soapy residue and let the upholstery dry overnight.

In case you’re wondering about the different kinds of modern upholstered furniture one which you could apply this techniques, here are a few effortless pointers. You can use these care directions for armchairs, sofas, dining room chairs, benches, etc. Think about the fact that following a solid routine of cleaning and general maintenance will help keep your various pieces of modern furniture, looking exquisite and help in sustaining them for a long time for a lifetime. Not only will this let you be house-proud and earn the respect of your peers, you will also end wind up saving quite a bit of large sums of money in the end!