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Women Drive Real Estate Purchases August 2, 2010

Women are working more, earning more and buying more than they ever did. Consequently, they have a significant influence on the American economy in general, and the real estate industry in particular.

The collective buying power of US women accounts for about 85 % of all consumer purchases. When it comes to purchasing patterns, women are estimated to make 94 % of home furnishings decisions, 91 % of new homes purchase decisions, and 89 % of travel decisions.

Women’s earnings have accelerated over the last few years and they have emerged as the Chief Purchasing Officers in their households. According to IRS data, women constitute 39 % of the top wealth holders in the country. This means about 2.5 million women possess a wealth of $4.2 trillion put together. Notably, the IRS estimates that by 2050, 42 % of these women will be single or widowed. The IRS further estimates that more wealth is bound to be accumulated among women.

Another growing trend that emerged in a December 2006 study by the National Association of Realtors (NAR) was that about 22 % of homes purchased between July 2005 and June 2006 were by single women who were in the 25 to 34 age range. Women accounted for a record number of 1.76 million home purchases (1 in every 5 homes), a significant increase from 14 % a decade ago. Women’s growing success in their careers, higher education, financial independence and a desire to build an early nest on their own, are some of the reasons that have spearheaded this home buying trend.

Among the vast demographic spectrum in the real estate industry, women have become a force to reckon with. Real estate agents are increasingly taking note of their female clients and the power they wield in home buying decisions. By the influence that they bring into play in home buying decisions, women form a significant and growing market that simply cannot be ignored.

If you are considering buying a home, condo, or any other real estate, be sure to seek out the services of a local real estate agent to guide you through this complex process.

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Home Design Sense – New Home Decorating July 31, 2010

When decorating or making decorating decisions for new homes, it is important to remember that your decisions will be a part if the home for a long time – unless you can afford to re-decorate every few years. Before purchasing any furniture, paint colors or accessories consider your lifestyle and how you plan to live in the home. Also, throw out any pre-disposed notions of your old home; since the new one is structurally different. This is when you need to be open-minded and creative. Take your time and don’t rush and by all means don’t be influenced by friends, family or trends (unless you absolutely love the ideas).

The most important matter of concern when designing or planning interior design for new homes is to build an environment that caters to your specific needs. Creating a space that is accommodating to each person’s lifestyles is the general principle of new home design.

This may seem like very unusual advice concerning interior design for new homes especially coming from someone who is working within the design industry; but there is good explanation for this reasoning. A large, open space without viewing or visualizing any furniture content within that space is quite easy to get a little carried away with while making structural changes.

Try to get an idea of the type of furniture style you will want. If you already have a specific style be sure it will fit in the specific areas of the new home. Some furniture might be too small for large rooms.

Paint color should not be decided until you get all your items (furniture, fabrics accessories, ect.) together and finalized. Painting the wall color before deciding on the furniture could be costly if it does no work with he furniture colors.

Wallpaper is another choice that you might reconsider using while building interior design for new homes. Again, removing wallpaper and resurfacing the surface is often times quite a headache that can be avoided by using other alternatives for creative wall finishing. A great alternative for wallpaper that adds a great texture to the wall surfaces would be a finishing technique such as faux finishing, sponging, or stenciling. These choices offer you a variety of substitutes that are equally appealing and much easier to change then wallpaper. If you absolutely must have wallpaper in any of the rooms, try using a border to achieve the look you’re going for instead of covering the entire wall surface. If you prefer wallpaper be sure to follow the installation instructions fully or hire a professional.

Interior design for new homes can be a tricky process. There is a good possibility that the area pertained in your new home will be slightly larger or smaller then the space in your previous home. It is this reason that planning placement and theme of each space in your new home is so vitally important to successful interior design of new homes. Be sure to measure widths of furniture and doorways before moving day comes in order to avoid hassle while getting the furniture into your new living space. Take careful notice of any moving activity that occurs into and around your new home. Careless moving errors can disfigure floors and walls and create flaws in your new house before you have even begun living there.

Placement of furniture in new homes is one of the key aspects of unique interior design for new homes. If a room is very large you may want to consider making several seating arrangements rather than spacing the pieces out to fit the room. And separated seating groupings can give more privacy for reading and conversation away from the rest of the room activities.

 

Home & Furniture Tips Provided By Experts

It is time for you to get started on your most recent home & furniture project. However, you just have run out of ideas or just do not know where to start in the first place. One thing that has helped many people is to read the countless supply of free expert interior design tips available. The following are some of the most common tips employed by top designers today:

Dare to try new decorating tips.You want to create an atmosphere in each part of your home. This is so that the design of each area of your home is as unique as possible. However, during this process, upon choosing peculiar home & furniture pieces and accessories does not does not take away from the beauty and value of other pieces or sets of furniture place in each room. Keep in mind that your theme of each room should be “simple but not boring.” No matter which period of history, or what specific them you choose it is always best to implement the simplest plans possible. Yet the end result should be effective enough to make an impact. One way you can remain from becoming “boring” is learn the art of mixing a variety of neutral-colored pieces of furniture with a variety of unusual accessories. Another tip often involves the placement of contemporary furniture along brightly-colored painted walls. Consider the lighting of the room. Whether you prefer softer or brighter lighting might have an effect on the style or type of furniture or accessories you choose. Take advantage of various types of lighting in order to create the right mood every single time. Apply room-specific themes. Planning designs that are appropriate for each area of your home is of the highest priority. This is probably one of the most important aspects of creating the right atmosphere. For instance, the theme of your shower bathroom or shower area might be very different from that of your dining area. Likewise, some areas of your home may require use of livelier cheerful colors and patterns while others might require implementation of more neutral color combinations. Never be afraid to ask for help:A large number of qualified professionals can probably contribute valuable insight regarding the choice of specific combinations of home & furniture colors, patterns, styles, etc. Take the advice of these educated individuals to heart, yet of course you always have the final say no matter what.

 

The FHA home loan Process Four easy steps to your FHA loan! July 23, 2010

The FHA home loan Process Four easy steps to your FHA loan!

1. Applying for an FHA home loan.

Applying for an FHA home loan through FHAmortgageFHAloan.com is simpler than ever before. We have combined the speed and ease of the Internet with the hands on approach that our FHA home loan applicants have come to expect. Once you apply online for an FHA home loan, you are entered into our database where your FHA home loan is processed. Within 24 hours, your assigned FHA home loan officer will contact you, via e-mail or phone, to schedule your interview.

2. The FHA home loan Interview

During your FHA home loan interview your FHA home loan officer will go through your FHA home loan application to determine your eligibility. If you are unable to be pre-qualified at the time of application, your FHA home loan officer will offer you advice on how to improve your credit situation so that you may become eligible within weeks time. Within 20 minutes you will know the determination of your FHA home loan application! The FHA home loan telephone interview also serves as an excellent opportunity to get acquainted with your FHA home loan officer. Your FHA home loan officer plays an important role throughout the FHA home loan process. Good communication with your FHA home loan officer will increase your chances of FHA home loan pre-approval and speed the processing of your FHA home loan!

3. FHA FHA home loan Processing

The processing of an FHA home loan involves the gathering of documents to verify all information inputted in your FHA home loan application. This includes, but is not limited to; W2’s, paystubs, credit report, bank statements, etc. When your FHA home loan pre-qualification is sent to you (after your interview) it will include a checklist that is specific to your file. This checklist will state all the items that you must submit to your FHA home loan officer in order to receive your FHA home loan commitment!

4. Closing your FHA home loan

The closing is the “end of the line” in obtaining a FHA home loan. At the closing you will sign all FHA home loan documents and take possession of your new home. If you are refinancing, you will not take possession of a new home, but you will get a lower interest rate, cash out, or both!

Apply Now at

http://www.fhamortgagefhaloan.com/

FHA loans make it Easy to buy a Florida home.

FHA 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 mortgage insurance to insure private lenders against loss. The 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.

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.

Serving These Fine Florida Communities:

Arcadia :: Boca Raton :: Boynton Beach :: Bradenton :: Brandon :: Cape Coral :: Clearwater :: Clewiston, Crestview :: Daytona Beach :: Deerfield Beach :: Deland :: Delray Beach :: Deltona :: Destin :: Englewood, Fort Pierce :: Ft. Lauderdale :: Ft. Myers :: Ft. Walton Beach :: Gainesville :: Hollywood :: Homosassa Springs, Jacksonville :: Key West :: Kissimmee :: Lake City :: Lakeland :: Lynn Haven :: Marathon :: Marco Island, Melbourne :: Miami :: Miami Beach :: North Fort Myers :: North Miami Beach :: Naples :: Ocala :: Okeechobee, Orlando :: Ormond Beach :: Osprey :: Palatka :: Palm Bay :: Palm Beach :: Palm Coast :: Panama City :: Pensacola,  Pompano Beach :: Port St. Lucie :: Punta Gorda :: Santa Rosa :: Sarasota :: Sebastian :: Sebring :: Springhill, St. Augustine :: St. Petersburg :: Tallahassee :: Tampa :: The Villages :: Titusville :: Venice :: Vero Beach, Wauchula :: Wesley Chapel :: West Palm Beach :: Winter Park

Answers to Mortgage Questions Whether Refinancing or Buying, We

Deliver Good Answers to Great Questions!

 

Everything You Need To Know About Cabinets July 18, 2010

When you think about cabinets, more often than not, you think of kitchen cabinets. These are the hottest cabinet items in the market today because of their functionality, importance, and versatility. However, there is more to cabinets than kitchen cabinets, as cabinetry encompasses all facets of home decoration.

Cabinets are more than just storage. They speak of your personality, your taste, and your sense of style. The possibilities are endless, but it boils down to what your choice is. In terms of style, there are just too many different kinds of cabinets to chose from. But they are basically subsumed into common classifications such as framed or frameless, stock or custom made, traditional, country, or modern style, made of hardwood, wood veneers or other materials.

Stock and Custom Cabinets

Cabinets are generally classified into stock cabinets and custom cabinets. Stock cabinets are those cabinets that are pre-fabricated and can be bought “off the rack” in many cabinet shops. Custom cabinets, on the other hand ordinarily refer to cabinets that are specially built by cabinet makers to fit a homeowner’s very detailed specifications, and are usually done on site (homeowner’s house).

Framed and Frameless Cabinets

A framed cabinet is a cabinet with a frame attached to the front edges of its body. This is also known as traditional, face-framed or American-style cabinet. A frameless cabinet, as the name implies, is one that has no frame attached to the surrounding face of the body. This is the standard among European-style cabinets.

Traditional, Country, Or Contemporary Style

If one goes by tradition, all kitchen cabinets are made from hardwood and are fastened to the kitchen walls. But nowadays, permanently fixed cabinets have given way to standalone mobile cabinets that may come in unconventional materials such as glass or plastics. Traditional style cabinets are appealing to more people because of its’ ageless look.

Country style cabinets give a comfortable, cozy and welcoming feel to a room. Hardwood is the best material to start with if you want a country feel to your cabinets, as this can blend well with florals or nature-inspired textiles or designs.

There are countless other styles to choose from, enough to get you more confused on choices to be made. To avoid this, It would be best to know where to look in the first place. Browse through magazines, woodworking books, or cabinet shops. You can expand your search to websites on home and furnishings. But do not forget to choose a style that would naturally blend with design and architecture of your house.

Solid Wood, Bonded Wood, and Wood Veneers

It’s been a long time since having new cabinets means getting the services of a cabinet maker or getting down to your work clothes to make customary wood cabinets. As technology and skills improve through time, the possibilities have become endless. Old and new materials offer other different classifications of cabinets.

Solid Wood

Because of its versatility and ageless look and appeal, wood has become the most common material used for cabinets. It gives out a warm, homely atmosphere, and blends well with almost any kind of interior design and décor. The different kinds of wood species furthermore give more varied options, but your choice would eventually depend on your personal style and budget. Wood is the most sought after material for custom cabinets.

Wood materials come from either two types of trees: hardwoods and softwoods. Hardwood wood materials come from coniferous trees, or trees that are easy to saw. Softwood wood materials come from dicotyledonous or hard-to-cut trees.

Different wood species fetch different prices, depending on its availability and overall appearance. There are so many materials to choose from: maple, oak, cherry, hickory, yellow birch, or pine.

Oak was the heavy favorite among cabinet builders until recently, when maple became more popular in the cabinet industry. It is very adaptable to any kind of cabinet style due to its light and regular grain texture. Very similar to maple in terms of versatility, is the yellow birch variety. With its strength and wide range of colors, it is a favorite choice for kitchen cabinets.

Cherry wood colors range from pinkish to red-brown when aged and exposed to sunlight. Hickory is a light colored to reddish brown hardwood that is best for a staining finish. While pinewood is the most inexpensive variety, it needs special handling and preparations due to its east exposure to bums and scratches.

Exotic wood fetch higher prices as these are the more rare varieties. Among those belonging to this category are mahogany, ebony, and walnut. Mahogany is mostly come from tropical rainforests. Its’ reddish brown color and regular grain qualities make it a perfect alternative to old oak wood. Walnut colors range from dark brown to a purplish shade of black. Ebony wood generally refers to very dark or black wood.

Bonded Wood

Bonding refers to the process of making large wood materials from several smaller pieces of wood. Bonding processes vary. One way is cutting wide boards into narrow parts, then glued together to create the desired width or shape. Blocks of wood may also be glued together to make up a single part of a cabinet. Another process involves wood chips or small wood particles mixed with a gluing substance, the processed to make durable wood particleboards. And lastly, the process of bonding several layers of particleboards may be done to come up with plywood panels that are ideal for adding strength to softwood cabinets.

Wood Veneers

Wood veneers are thin layers of wood materials from superior species of wood. These are glued to the main cabinet material, usually plywood or plasticboard. This is the best option for a more versatile wood cabinet accented by different wood patterns and textures. Wood veneers are aesthetically effective not only for raised panel cabinet doors, but also for flat or recessed cabinet doors.

A word of caution for the budget conscious: While wood veneer as an alternative to wood seems to imply that is an inexpensive material, very elaborate veneering designs would result in more expensive work pieces.

 

Florida Mobile home loan financing, up to 97% w 580 FICO July 17, 2010

ida FHA mobile home loans  FHA Mobile Home Lending Guidelines

The Department of Housing and Urban Development (HUD) sets forth these guidelines for determining if a Florida mobile or manufactured home qualifies for an FHA mortgage loan in Florida:

The Florida mobile or Florida manufactured home must be constructed in accordance with the Federal Manufactured Home Construction and Safety Standards. A red tag is attached to the rear of each section of homes that comply with the standards. The Florida home must be taxed as real estate by the local tax assessor’s office. The Florida mobile or Florida manufactured home must have been built after June 15, 1976. The Florida mortgage must have a term of at least 30 years from when amortization begins. The mobile home or Florida manufactured home must be on a permanent foundation. The axles and tongue must be removed from the Florida mobile or Florida manufactured home. The Florida mobile home or manufactured home must have adequate skirting and insulation, and the crawl space must have adequate ventilation.

If you would like to determine if your Florida mobile or Florida manufactured home meets the guidelines for section 184 financing from FHA, call one of our Florida mortgage pros at 1-800-570-0448. We’ll be glad to help you determine if the property that you are interested in can be used as collateral for a  Florida FHA mobile home mortgage.

Florida Manufactured  Home Loans

http://www.FHAMortgagePrograms.com offers several options for Florida mortgage applicants looking for FHA financing for a Florida mobile or manufactured home with land. The truth is with Florida annual double digit appreciation on Florida homes and Florida payrolls lagging behind at 6% or less, traditional Florida homes are becoming far out of reach of the average Florida mortgage applicant. At http://www.FHAmortgageFHAloan.com we recognize the Florida housing trends and know that Florida manufactured homes offer great value with terrific per square foot pricing that today’s traditional Florida homes simply can’t compare. Refinancing a Florida Manufactured or Florida mobile home today is not nearly as difficult as you might think. visit http://www.FHAmortgagePrograms.com for more information.

Years ago, Florida mobile homes were considered substandard and were not held in high regard by those who owned one. Today’s Florida manufactured homes sure has gone a long way to changing that opinion. Many Florida Manufactured homes offer great amenities that would cost you tens of thousands of dollars more to achieve with a traditional Florida home. Better still, today’s Florida mobile homes are actually built to a higher standard than those required for traditional block homes. For instance, in Florida , it is not uncommon to see a 1900 square foot middle class home on the market for over $300,000.00 dollars. A savvy Florida home buyer can purchase a quarter acre lot outside of Florida , and put a 1800 square foot Florida manufactured home for a package price of around $135,000.00 with typically far more featured built into their home. Now that’s buying up and a perfect option for Florida First Time Buyers!

Historically, Florida manufactured and mobile homes were considered a poor investment for the mortgage market because of home depreciation concerns. After 30 years of data, this has simply been shown to be inaccurate. The typical Florida manufactured or mobile home loan secured by a Florida manufactured home tied to land appreciates using the same principles one applies to traditional stick built homes: Supply and demand. That’s why we believe a quality land and Florida mobile home mortgage package is really a good investment.

Our Florida manufactured home loan terms allow for:

Very Competitive low Fixed Rate Loans 1/1 Adjustable Rate Mortgage option to Qualified Applicants Up to 97% financing for Qualified Applicants Streamline Refinance Loan program for reduced costs to improve your rate and terms Single Wide mobile home financing Double Wide manufactured home financing Yes, we offer financing for Triple Wide mobile homes as well You can even do a Cash Out Refinance for Qualified Borrowers Down Payment Help programs are typically allowed Up to 6% seller concessions are allowed to qualified home buyers We can finance ANY Florida mobile homes built after June 1976 that bear the HUD required seal All Florida manufactured homes financed must be tied to land. We cannot finance only the Florida mobile home without the land.  Florida FHA Mobile Home Loan For Mobile home W/Land

You can finance a Florida manufactured or mobile home with land  using the low rate FHA loan. Getting a low interest rate Florida mobile or manufactured home loan is easy using the FHA mortgage program. The reality is that in many Florida communities, manufactured homes that are a Florida homebuyers primary residence is one of the most difficult types of Florida mortgage loans to get a competitive low interest rate home loan on. Enter the FHA mortgage program. Learn more. Call 1-800-570-0448 or inquire using our quick quote form!

In many instances, the actual purchase price for of a Florida mobile or manufactured home with land is much lower than a conventional home and allows a wider range of prospective Florida home buyers to become home owners. The FHA mobile home loan allows for both Double Wide and Single Wide manufactured home financing under FHA underwriting terms and conditions (which can be reviewed here).

You’ll get a high quality Fixed low rate mortgage on a Florida manufactured home, and in all cases, you will get a much higher loan-to-value than you will ever find in the conventional or secondary loan market.

Best of all, motivated Florida sellers can contribute up to 6% towards the payment of your closing costs. Also, gifts from FHA/HUD qualified sources may be used to meet 100% of the minimum down payment requirements. Get started today with a low rate mobile home loan by calling 1-800-570-0448.

 

Get the latest bathroom accessories July 16, 2010

Whenever we select a good lodge while on a vacation, we most primarily give a glance at the bedroom and unforgettably the bathroom. Bathrooms are the most important and also the unavoidable part of our vacations and house, as we spend a significant amount of time in our bathrooms.

First thing in the morning that we usually do, is go to the bathroom to get fresh for the day’s work. Thus, it gets important that we take special care while designing our bathroom and equipping it with all the latest bathroom accessories that help in making our bathroom look classic and exquisite.

There are numerous bathroom accessories that you can install to give your bathroom a classic look. Here at Boundary Bathrooms, you can avail a wide range of various high quality and classic bathroom accessories at an unbelievable discount rate. You can thus furnish your bathroom with the best and magnificently designed accessories, in just the way you ever wanted to. Here at the Boundary Bathrooms, you will find all the types of bathroom accessories that you desire, in the required color combination for your bathroom, so as to make it look simply perfect. Right from the waste pumps, the bathroom electrical to that of the bathroom lighting accessories, you will find nearly everything here in Boundary Bathrooms.

Some of the bathroom accessories are mainly function oriented, while a few others help you to add class to your bathrooms. Thus, you can include an elegantly designed saniflo waste pump in your bathroom. The saniflo system installed helps you to place your various bathroom components at any place in the house. It pumps out the wastes from a small pipe and thus allows you to rely on another waste pipe rather than depending on just one pipe. Similarly, you can install the perfect lighting accessories for your bathroom which thus gives your bathroom an equal stance to your house. Usually, the bathrooms are the smallest rooms in the house, but need to be lightened properly as in the bathroom, we perform the various tasks such as shaving, etc. which need a good amount of light. The bathroom accessories also compromise of a mirror. Without a mirror, bathrooms look incomplete. Thus you can select from a variety of differently shaped mirrors for your bathrooms.

The towel rails, towel rings, soap dishes, etc. all are the essential bathroom accessories that help in making our bathroom more organized and manageable. Moreover, you can also install the various bathroom electricals to add the touch of luxury to your bathroom. Thus for instance, you can add the Aquavision bathroom TV, etc. So, make your bathroom simply exceptional with the use of the best bathroom accessories.