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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.

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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.

 

Concrete Repairs – Improve Your Homes Exterior July 14, 2010

Maintaining the concrete hardscaping around your home will help retain your home’s beauty and value and it is something that it usually well within the skill range of most home do-it-yourselfers.

Even well-laid concrete can develop cracks, chips and broken patches. If left untreated, those damaged areas can contribute to other areas of your walkway, patio or driveway deteriorating as well. Water can seep into small cracks and openings and when it freezes, the pressure created can increase the size of the cracks and even create new ones or cause surface areas to lift away. It is vital to find and seal the cracks and openings before this happens. The best time to check for cracks is in the spring, when the weather has warmed.

Deciding on which concrete repair product to use can be the most difficult part of the process. Check with the experts at your local hardware or home center for their recommendations but basically you will want to use a patching compound if the cracks are large or if surface patches have broken away, or a sealant product if the cracks are small, one-eighth to one-half inch wide. Sealants work well with both horizontal cracks, like on a patio or walkway surface as well as vertical cracks that may have developed along the foundation of your house or garage.

If the concrete you are repairing has been colored, now is the time to buy a colored sealant or patch, or to buy a colorant to add to the product you will apply so that your repair will match the existing surface.

Do your repairs on a warm day when no rain is expected. Begin by cleaning the area well. Use a wire brush to remove any debris from the area. Leaves or grass that have gotten into the crack or loose cement will keep the sealant from getting into the cracks and bonding to the cement. Next clean the area with concrete/asphalt cleaner to remove any grease that could also prevent a good bond.

Create an opening in the tip of the sealant tube no bigger than the width of the crack, which will assure that you get the sealant into the crack and not beside it on the surface. Using a caulking gun, slowly squeeze the gun trigger so that a slow, steady stream of the sealant goes into the crack, filling it only to the surface.

If the crack is very deep, fill it a quarter of the depth with sand and then apply the sealant to fill the crack halfway. Add more sand to fill to a depth of three-quarters of the original depth and add more sealant to fill the crack to the surface level.

For vertical cracks the procedure is similar. Clean the area with a wire brush, then use the cleaner to remove any grease, followed with the sealant, applying it at an angle just until the crack is filled.

Once the sealant is dry, use a fine-grit sandpaper to remove any overfill and to feather the edges. Your concrete surfaces will give you many more years of good-looking service with a little tender loving care.

 

How To Get Great Home Interior Design Ideas July 13, 2010

If you like the idea of coming up with your own home Interior design, you are not alone. Lots of folks these days are planning out and then executing their own interior designs. But how do you come up with great home interior design ideas? Here are a few suggestions to get you started.

Probably one of the easiest ways to get home decoration ideas is to simply watch television these days. There are several shows that are dedicated to the subject of completely redesigning an entire house room by room. The biggest problem with watching these television shows is having something in front of you as documentation. So a couple of ideas that may help out is to have a pencil and paper available to take notes as you go, and also to record the program for viewing later on.

Even though you may get some great home interior design ideas from these television shows, ask yourself whether or not they will fit well in your particular home. Just because they look great on television in someone else’s home does not mean that it will fit in well in your home. So try to visualize the whole project from beginning to end in your house. And plan, plan, plan. By taking extra precaution in the planning stages, you can ensure a more problem free application.

However, television is not the only source for home decoration information and ideas on Interior design. There are several great books on the subject that are able to help designers of almost any background and experience level. The advantage of books is that the documentation is already done for you. It usually has a very well thought out plan for implementing any kind of home interior design on its pages. And usually you’ll be able to have more than enough photos and pictures to help get a good mental picture of the process as it goes.

Another way to get excellent ideas for interior design is to look through magazines on the subject. There is no shortage of magazines that are devoted to home decoration and interior design. Believe it or not, even many professional interior designers collect large quantities of magazine articles and pictures and store them in a way that will help them have a larger pool of ideas to draw from in the future. Not being a professional yourself, it may be a good idea to start your own scrapbook of home interior design articles and photos that you can separate according to a specific theme or room type. Sometimes, the best decoration ideas are a combination of things that are brought together from several different sources to form a unique, one-of-a-kind design.

As you become more comfortable with your own level of creativity, you will be able to combine aspects of one design with another more adeptly. However, as you start out it may be best to stick to the overall themes and suggestions given in the magazine for achieving the look that is desired.

If you begin right away to assemble this archive of home interior design ideas, it won’t take long for you to have a really sizable reference guide to help you come up with almost any idea that you could ever need.

So as you can see, gathering information and ideas from several different sources and compiling them all together in an easily researched form can be one of the best ways for you to get great home interior design ideas quickly and easily.

 

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.

 

Home furniture from Hooker July 5, 2010

From many years, we prove honesty in our dealings with consumers, sales executives and with all our staff and work force. After deciding to buy furniture from Hooker furniture showroom, there is no need of worry regarding the quality and service from us. We promise you to give you better-quality products with demanding material and good design by our experts. The objective of hooker furniture is to improve the living standard of people by giving latest and modern furniture at very low cost. You can also check out the latest design structures online. You can try some new innovative designs with your bedroom, kitchen or even at your office. We deal with variety of furniture other than the listing on our site.

We offer TV stand, which suits to your modern home theatre. Other than this, we also offer coffee tables and other attractive beautiful living room furniture. We offer suitable and stylish furniture, which changes entire architecture of your home. The guests, who will visit your home, will just not stare at dinning table but also your home furniture’s. The amazing dining table, sofa sets are offered with good-looking leather fabric at reasonable prices. Your all needs regarding residence furniture will be looked and satisfied in Hooker furniture showroom. Your search for recent and reasonable furniture will end here after checking our home collection furniture in Hooker furniture.

You have good chance to buy variety of models. Many times it becomes hard to decide from a wide variety of furniture. We will assist you to take a right decision by keeping in mind of your likes and dislikes that will help to choose appropriate home furniture. Our website has essential information and tips for purchasing furniture.  You can just go through our website for different offerings and discounts. Online facility of purchasing furniture will save money as well as your time. We don’t charge additional rates for delivery services. So, to purchase furniture from Hooker goes in very low cost.

Thanks to technology innovation, which has helped to work from home? People feel exhausted at the end of the day but home furniture will create relaxed working surroundings for you. We provide desks, which reduces your back pain and muscles stress. We also deal with ergonomic chair as it is comfortably designed for office home chair. The colored office chairs even supply you some sort of energy and better feeling while working. Before purchasing home furniture, you need to consider factors such as height and specifications of chair or desk and of other furniture.

 

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