Two smart moves when updating your kitchen cabinets include fresh paint and new hardware. But you should also look beyond paint samples or the shape of drawer pulls and think about how you use your kitchen, and whether the organization of your kitchen is doing the best job.

“The best design in any room incorporates how the space is going to be used,” says Karen Gray-Plaisted of Design Solutions KGP.

Case in point, do you still need a drawer dedicated for sippy cups and melamine bowls now that your kids are older—or could that cabinet be better used for something else?

When you are upgrading your kitchen cabinets, don’t be swayed by every trend you spy on Instagram (we’re looking at you, open shelving!). Be brave and create the kitchen that you want to wake up to every morning.

Here are seven design ideas to consider when you’re updating your kitchen cabinets.

1. Try two colors (instead of one)

Photo by Paper Moon Painting

Navy kitchens have been getting all the heart-eye emojis lately, but it can make a kitchen seem dark. Don’t be afraid to use a two-tone color scheme, with a darker hue on the lower cabinets and a contrasting lighter color above, say the pros.

“A deep green or blue paired with a lighter upper is a refreshing look,” says Gray-Plaisted.

2. Open up lower cabinets

Photo by SV Design

Many people flock to open shelving, or they remove their upper cabinet doors to expose their box storage. But revealing the lower cabinets is just as effective and can create an airy feeling in your kitchen.

And if you’ve ever rummaged around in a dark lower cabinet for a Bundt pan or rice cooker, you’ll save time and stress on your back with easy-access bottom cabinets.

Create theme storage by dedicating certain areas to particular needs—think baking dishes and mixing bowls in one section and egg pans and small skillets in another. (This is helpful for open shelving as well as closed cabinets!)

3. Reconsider your storage needs

Photo by Bakken Design Build 

Tastes change over time—and kids grow up and move away. Left in their wake may be storage and other cabinet solutions that don’t make sense anymore.

“Cubbies for wine or certain appliances may not be needed, so consider how you want to live right now and going forward,” says Marty Basher, an organization professional at Modular Closets.

For example, that roll-up, garage door–style cabinet for the standing mixer you’ve stopped using could be replaced with a tricked-out spot for a cappuccino maker. Or the messy dog food bags that live under the sink could finally be stored properly in a pet-feeding station.

4. Skip paint—and add veneer

Photo by Cronos Design 

To rehab kitchen cabinets, think beyond paint. If you have wood cabinets, you might want to sand and stain them a different color. Flat panel doors are a good candidate for new veneer.

“Veneer comes in lots of colors and styles, and it’s actually something you can DIY,” says Basher.

And even if you don’t want to completely cover your cabinets with veneer, you could use it as accent trim, he adds.

5. Pick interesting glass

Ho-hum glass-front cabinets again. Or are they? Look closer, and you’ll notice that these kitchen boxes don’t hew to the same style you see in everyone’s house. Check out the different options for this look, including fluted, wavy, or frosted panels, says Gray-Plaisted.

Bonus: With glass that obscures the insides of your cabinets, you won’t have to work as hard to stack and arrange your cups and bowls every time you empty the dishwasher.

6. Try chicken wire, cork, or chalkboard cabinet faces

Photo by Case Design/Remodeling of Indianapolis

Glass isn’t the only choice when updating your kitchen cabinets. Chicken wire is an unexpected surprise on the fronts as it offers a glimpse of your pretty plates as well as infusing the whole room with a farmhouse vibe.

Or go for cork or chalkboard as inserts on cabinet faces. With handy surfaces like these, you can pin up notices, announce the evening’s dinner menu, or make a to-do list.

7. Consider stand-alone storage

Photo by Davonpor

Sometimes upgrading your kitchen cabinets means adding a separate piece of furniture. A free-standing pantry or larder is an ideal solution for a corner space, whether you buy one just for this purpose or rehab an old china chest or curio cabinet. And if you choose the two-tone theme mentioned previously, you might continue it by painting this item one shade on the outside and a brighter, more exciting hue within.

 

For this and similar articles, please visit Realtor.com

When you hear of a friend or family member buying a home, it sounds like a very wise thing to do—a savvy investment and a nice step to take in life. However, when roles are reversed and you are the prospective home buyer, you will quickly realize just how emotionally complex the process can be. After all, you aren’t just envisioning a place to rest your head. When you’re buying a home, you’re simultaneously imagining the memories you will make and evaluating how the layout will work for your lifestyle, whether the location is right and so on.

For many, the expense of buying a home is one of the major stressors. Further complicating matters for many house hunters around the country right now are record-low levels of inventory and record-high home prices. It’s worth remembering, though, that those numbers do not tell the full story. Mortgage rates remain low, and customizable homeowner insurance policies can go a long way toward keeping your budget in check.

The fact remains that house hunting is a big undertaking. But when you approach it with some strategies to help you stay positive, you can keep your calm while finding the perfect place.

4 Little Ways to Promote Peace of Mind and Positivity During Your Home Search

When you’re looking for a home, it’s fine (and expected!) if there are some criteria on which you are unwilling to compromise. Maybe your heart is set on a walk-in closet. Maybe you are looking for a fixer-upper to build some sweat equity in the home. Maybe you will only feel comfortable with a home that has a fenced yard for your dog. Starting by getting honest with yourself about non-negotiable factors can help you avoid wasting your energy during the search.

On the other side of the coin, you should also think about ways in which you would consider expanding your hunt:

  • Would you be willing to look at homes in neighboring communities?
  • Could you do with less square footage if there is more outdoor living space?
  • Do you need a finished basement now or is that something you could tackle in the future?

As needs change with the rise of remote work and kids going back to school, revisiting some items that were initially on your “nice to have” list could help open up a much larger selection of homes and price points.

Avoid financial guesswork

Buying a home is a process that involves both your heart and your head—and it can be heartbreaking to learn you fell in love with a home that’s outside of your budget comfort zone. Although mortgage rates and competitive sale prices can feel like moving targets, you can get a feel for the price of your homeowner insurance with online tools and quotes. Because homeowner insurance is necessary for anyone who is taking out a mortgage (and a good idea for anyone who owns a home), it is an important factor to consider during the house selection.

By also having an understanding of how different variables can affect a home’s insurance price, you may be able to narrow your search field. For example, a home on a low-lying side of a neighborhood may be more expensive to insure than one that is similarly priced just a few streets over. Or you may learn that a home with a new roof can help you save. When you keep factors like these in mind, you can be a more informed, empowered home buyer.

Work with experts you trust

In general, people will only buy or sell a home a few times throughout their lives. So, naturally, there are some questions that you may not even know to ask. That’s where it pays to put in a little work ahead of time to assemble a trusted, experienced team of experts who can help guide you through the process. Not only can this position you to find the right house, but it also can help you get it for the right price.

If you are just dipping your toes into the house search, start by getting referrals or reading reviews for real estate agents, mortgage lenders, and insurance companies. The truth is that reputation matters—so feeling like you’re well taken care of with a person or company is always the best call.

Don’t put pressure on your timeline

There are instances when a move has to happen on a specific timeline. However, if you’re in a position to be a little more flexible, you can set yourself up for a more peaceful experience. Historically, there are times of the year when inventory is low in the housing market. The flip side is that there may be more competition among other house hunters during higher inventory times. By giving yourself several months to see what is listed, you may be able to enter the market at just the right time.

When you’re immersed in the house search, it can feel like you constantly need to be on call and ready to act—and that doesn’t exactly lend itself to a calm, enjoyable experience. Just like you need occasional breaks from work, also be willing to take a step back from the search if it begins to feel like too much. If a house comes and goes during that time, it simply wasn’t meant to be.

Finally, when you’re looking for a house, know there is light at the end of the tunnel. Although you may not be able to picture the exact style of the home you’ll end up in or what the yard looks like, you should be able to channel the sense of peace that you will feel when you unlock that front door for the very first time.

Read the full article and more at Realtor.com

Are property taxes lower for condos? What about townhouses? If you’re buying your first home, you might wonder how the type of home you buy may affect your taxes and whether buying a condo or a townhouse makes a difference. It seems plausible that a smaller home might come with a smaller tax bill, right? But your property’s square footage is just one factor that goes into determining how much property tax you owe. Let’s look at what goes into that number and if it is, in fact, lower for smaller properties.

Are Property Taxes Lower for Condos or Townhouses?

Difference between a townhouse and a condo

It helps to understand that the distinction between a townhouse and a condo comes down to how the property is sold to you. The general rule of thumb: If you purchase a condo, you own just the inside of the building. If you purchase a townhouse, you might own the property outside as well per the bylaws of your homeowners association.

“A townhouse has land under it that you own, and a condo does not,” says Joyce Mitchell, a real estate agent with Mitchell & Associates Real Estate in Bigfork, MT.

When you buy a condo you co-own communal property beyond your living space. So will this distinction make a difference in your tax bill? Sort of.

What affects property taxes

There are two main factors that go into the amount you have to pay each year in property taxes. The first is your home’s assessed value that’s determined by an assessor who looks at things like the acreage, square footage, number of bedrooms and bathrooms, and comparable homes nearby. The other factor is the mill levy, or tax rate for your area, usually expressed as a percentage. Mill levy is based on the quality of the public amenities offered such as your town’s public schools, police force, and number of parks. The more amenities, the higher your mill levy will be.

Taxes for single-family homes, condos, and townhouses are calculated the same way, says Larry Friedman, co-founder and principal of SDF Capital, a real estate investment company based in New York’s Westchester County. “It’s based on assessed value and then multiplied by mill rate to determine tax amount.”

Property taxes: Lower for condos or townhouses?

Because of a number of factors, including square footage and number of bedrooms, you can typically expect to pay lower property taxes on townhouses and condos than on single-family homes.

“A condo or townhouse has less space per taxpayer than a single-family home,” says Richard M. Prinzi Jr., CPA and co-founder of F-Sharp Tax Management Services. “In a condo living situation, many taxpayers will share in the tax due for the land and the common areas” such as hallways, lobby, and stairs, he says.

The owner of a townhouse is usually solely responsible for paying taxes on the home and the land it’s built on, but that square footage, on average, is far less than the typical single-family home. Therefore, the taxes for a condo or townhouse are usually lower.

Taxes vary based on where you live

That said, different states and communities have their own real estate tax rules. For example, in California, Proposition 13 mandates that Mello Roos Bonds (which pay for community infrastructure) cannot be based on a home’s value, says Greenside Properties broker Patrick Morgan. Instead, these rules are usually based on a unit’s square footage, usage, and lot size. You can check with your city’s department of finance to get your local tax information.

HOA fees and other added costs

Of course, living in a townhouse or condo can come with HOA fees, which can offset those savings on property tax.

According to Mary Jo Fiore-Posterli, a Realtor® with Coldwell Banker in Lake Forest, IL, condos and townhouses can come with HOA or condo association fees. These associations are elected boards that manage amenities and maintain standards for your complex.

“Depending on the townhome or condo community, you may have an association that has a pool and a tennis court, and someone has to pay for the upkeep of that,” Fiore-Posterli says. As the property owner, you would pay a monthly fee through the association. HOA fees are typically higher for condos than for townhouses.

Of course, your fees will be lower if you don’t have a pool or other similar amenities. Some communities even have you pay for your heat through the HOA fees.

No matter where you decide to live, make sure you do the math and consider HOA fees and the like before deciding if purchasing a smaller property really will translate into lower monthly or annual costs for you.

 

For this and related articles, please visit Realtor.com

Would-be home sellers have been facing quite a conundrum for the past few months. Sky-high mortgage rates and inflation have kept homebuyers from coming in droves like they did last year, and that, in turn, has caused homeowners to consider one crucial question: Should I list now or wait until the real estate market cools?

If you’re choosing to sit tight and refocuse your efforts on home improvement, we suggest you invest your time and money in your bathroom. Like the kitchen, the bathroom holds a lot of value, and updating it is likely to pay off if and when you do put your home on the market.

“After hitting the one-year mark in your home, the first places that I’d update are bathrooms, especially a powder or guest bathroom used often by visitors,” says Jay Jeffers of JayJeffers in San Francisco.

Your bathroom can be easily and affordably improved without the need for a gut renovation. Here are a few smart ideas.

1. Upgrade the faucet

Is your sink faucet looking a little dated? Replacing it doesn’t have to be expensive.

“For budget-minded DIYers, upgrading bathroom faucets is an easy weekend project that can instantly elevate the look of the space,” says Laurie March of Laurie March Home in Los Angeles.

If your aesthetic skews modern traditional, March recommends the new Bellera single-handle bathroom sink faucet from Kohler, which she describes as timeless and affordable.

For a faucet with a little more style and versatility, March recommends Kohler’s new Riff faucet.

We also like this reasonably priced faucet option from Moen.

2. Install a new countertop

Nothing opens up a bathroom like brand-new countertops.

“New countertops always fall in my ‘worth the investment’ category,” says Young Huh, an interior designer in New York City. “New surfacing can completely transform the space—especially when you carry the material up the wall as a counter splash. It adds instant luxury and drama.”

For a moody look in your bathroom, he recommends going with a slab of Eternal Marquina from Silestone. If light and bright is more of your vibe, Silestone’s Ethereal Glow is the countertop for you.

Huh says both stones are zero-maintenance and have the appropriate durability for a primary bathroom.

3. Up your storage game

No one likes a messy, unorganized bathroom. If you’ve been feeling the clutter crunch, it’s time to dedicate an afternoon to upping your storage game.

There’s no need to reconstruct your bathroom. All you need to do is stock up on some organizational products, clean out the toiletries you no longer use, and put it all back in a tidy fashion.

“To gain more access to your toiletries, you can easily add a tip-out tray or a pull-out shelf under the sink,” says Steve O’Hara, director of product development and training at ShelfGenie.

Some of the most useful products that will keep your bathroom organized are under-sink shelvesturntable organizers, an over-the-shower caddy, and apothecary jars.

“Beauty and hair styling tools like hair dryers and curling irons can be stored in a hair dryer caddy under the cabinet to help maximize space on your countertop,” says O’Hara. “This helps ensure your bathroom is an uncluttered, functional space.”

4. Modernize your mirrors

Some bathroom mirrors look like an afterthought and lack any sort of style.

“An easy way to transform a bathroom from sterile to chic is by swapping in an artful mirror,” says Jeffers.

We love the geometric look of the Torino mirror from Jeffers’ collection with Arteriors.

In search of something simpler? Try this rectangular metal mirror that’s available in a variety of colors.

5. Make a statement with wallpaper

One of our favorite ways to add visual interest to any room of the home—the bathroom included—is to install wallpaper.

Tamara Day, designer and host of Magnolia Network’s “Bargain Mansions,” says peel-and-stick wallpaper in the bathroom is one of the quickest and most affordable ways to revamp your space.

“When working with a bathroom specifically, it’s important to use products that can handle moisture,” says Day.

She recommends RoomMates Decor’s peel-and-stick wallpapers since they are durable and provide a barrier to humidity.

“This makes them perfect for the bathroom. You don’t have to sacrifice great design for performance and functionality,” says Day.

Grab this tropical-themed wallpaper from Day’s collection with RoomMates and apply it to one wall of your bathroom to create a statement feature.

 

For this and similar articles, please visit Realtor.com

Cool new choices and YouTube tutorials help resurrect the midcentury trend.

Local interior designer Mandy Riggar chose this paper from Portland-based collective Makelike for a client’s stairway.

Remember the glory days of patterned wallpaper? We’re thinking 1950s floor-to-ceiling patterns, more-is-more florals, and geometric shapes on every vertical surface. That was before the backlash—for decades, nobody would be seen dead with anything but a flat painted wall as a backdrop, and all the world was smooth.

Well, wallpaper is back, baby, but not like before. From Spoonflower’s peel-and-stick to Flavor Paper’s scratch-and-sniff, lemon-lime-scented iteration, there are countless new and delightful ways to dress up your surfaces.

Mandy Riggar, a Portland interior designer, says the wallpaper renaissance is due in part to a rise in affordable and accessible versions, like self-adhesive wallcoverings that are easy to install and remove. Plus, there are now a zillion styles from which to choose, not to mention custom designs, which make wallpaper “almost trendless,” says Riggar. “It’s just about finding the brands that carry the style you like.”

For one client’s stairway (pictured above), Riggar sourced the wallpaper from Makelike, a Portland-based graphic design collective founded in 2000 by Mary Kysar and Topher Sinkinson, which produces a selection of hand-screen-printed wallpaper featuring botanical, coral, geometric, and abstract patterns in myriad color palettes.

Portraits by Portland-based artist Gracie Ellison paired with a printed design chosen by local interior designer Vicki Simon in a client’s powder room

Another Portland interior designer, Vicki Simon, used printed wallpaper with a sketch-like pattern in black and white in a client’s powder room, and found it paired well with hanging portraits by Portland-based artist Gracie Ellison. “For me, using wallpaper is just a fantastic way to integrate, to bring interest to a project, especially in smaller spaces,” Simon says.

For similarly bold designs, with some peel-and-stick options for a low barrier to entry, local wallpaper studio Thatcher (formerly Juju Papers and Avery Thatcher Tile) produces a wide range of products for residential and commercial spaces, with bold motifs and one-of-a-kind styles.

Since it was founded in 2012 by Avery Thatcher, the studio has found a nationwide client base, which Thatcher says grew with the resurgence of DIY home décor during the pandemic.

If you’re looking to install wallpaper on your own, YouTube is a good place for step-by-step instructions. It’s a tool Thatcher says has revolutionized the use of wallpaper and fed its growing popularity. “The first time I installed [wallpaper], I definitely watched a YouTube video,” she says.

A wallpaper from Thatcher Studio

IMAGE: LEAH VERNY

Thatcher still encourages people to purchase traditional wallpaper and hire professional installers if they can afford it, but she offers another pro tip for folks who want to go it alone: use liner paper, a heavy-duty paper that smooths out any imperfections. “It makes traditional wallpaper totally removable, and all of it is curbside recyclable at that point,” Thatcher says. “It has a special paste that allows it to be removed, and then you put the wallpaper on top of it.”

 

For this and related articles, please visit Portland Monthly

Named for the shape of the container used to hold salt in colonial times, these homes have a steeply sloped roof that is much longer on one side than the other.

Saltbox houses are common in New England, and back in the 18th century, housed many famous pioneers and patriots, including the second U.S. president, John Adams. Sturdy and understated, they are found by the bushel in historic registers and are very popular today. Read on for a brief history of this quaint architectural style, and why it has such enduring appeal.

Historic Saltbox

A brief history of saltbox houses

Back in colonial times, many saltbox homes started as symmetrical two-story houses, but as families expanded, so did their square footage. One-story additions were built on one side of the home, pulling the original roofline farther down and giving these homes their distinctive asymmetrical shape.

As Lance Abbott Kirley of residential design firm Classic Colonial Homes in Massachusetts notes, “So many aspects of colonial architecture are about symmetry, yet when viewed from the side, the saltbox—with its long rear sloping roofline—challenges that notion.” It’s that distinctive look, Kirley says, that “makes saltbox homes appear more grounded and resilient than all other styles of New England homes of the period.”

Another advantage was that snow could slide down the extended rear roofline, preventing any given part of the roof from carrying too heavy a load. Gavin Townsend, art history professor at University of Tennessee at Chattanooga, adds that feline lovers will be amused (or not) to learn the roof’s nickname: a “cat slide.”

“Because an adventurous feline, finding herself on an icy roof, could slide down the outshot [extended roof] and reach the ground, while suffering damage only to her dignity,” he says.

Saltbox homes also boast plenty of storage space—typically in the cramped triangle of dead space under the extended roof, just above the ground-floor addition. This also provided an additional barrier from the cold, which was appreciated in the days before fiberglass insulation and central heating.

These homes also sport traditional colonial features like narrow clapboard siding, tight-patterned window grilles, a massive center chimney, and understated exterior trim. However, saltbox homes have since evolved to suit a variety of needs and tastes, thanks to their unique blend of practicality and whimsy. Many older saltbox homes have been reworked by design firms to preserve the traditional exterior, but include more contemporary interiors and modern features.

But no matter how they’re modified, saltbox homes remain fashionable because they are classic and practical. Kirley notes that his company’s clients ask for saltbox homes more than any other Colonial style. After all, the saltbox has served American families for over 300 years—why not several hundred more?

What Is a Saltbox House? A Colonial Style That Modern Buyers Love

 

For this and related articles, please visit Realtor.com

Glamming up a guest bathroom is often a lower priority than, say, modernizing your kitchen or replacing your roof. But as the holidays approach—and your regular guests come a-calling—you might be looking for ways to spruce up your spare loo on the cheap.

This week we gathered five trendy decor looks from Instagram—with affordable ways to get these looks—that are sure to inspire your guest bath overhaul. No matter how small or large of a project you’re looking to take on, the following ideas offer something for everyone.

It’s time to put the “pow” back into your powder room—without spending a ton of money. Here’s how.

1. Sectional mirrors

A common decorating trick is to add a mirror to a space to jazz it up, and these sectional mirrors from @bathroom_decor take the concept in a charming and unexpected direction.

“Geometric mirrors can create a focal point in a small space,” says interior designer Amanda Oninski, of FLOOR360. “It’s a bold design choice that creates a look that’s both glam and luxe. Coordinating those shapes with the tile, accents, and wallpaper in the space will make it feel complete.”

Get the look: Arrange a few of these diamond-shaped wall mirrors in your guest bath.

2. Smoky glass pendants

Another quick way to upgrade your stale bathroom is with new light fixtures. We’re in love with these chic smoky glass pendants from @maxis.homestory.

“A glass pendant light is a classic fixture,” says Oninski. “Using the smoked-glass pendants modernizes the look of the fixture and the space it’s in. This fits squarely with the design trend of creating spaces that strive to blend traditional with modern.”

Get the look: Shop this smoky glass pendant for a timeless look in your bathroom.

3. Penny tile

If you’re all in for a big design overhaul, consider redoing your bathroom walls or floor in a penny tile like this one featured by @chairishco.

“Penny tiles have been increasing in popularity in recent years because they are a cost-effective way to add some personality and a touch of vintage to a bathroom,” says interior designer Carla Bast. “The small size gives you an opportunity to get creative with patterns and create a custom look. Their small size also makes them less slippery than larger tiles.”

Get the look: Find the perfect penny tile for your bathroom by shopping this collection at Home Depot.

4. Block-print wallpaper

Calling all grandmillennials! Another way to go all out in your guest bathroom is with brand-new wallpaper like this trending block-print pattern from @mindygayerdesign.

“I love block-print wallpaper in the bathroom because it’s classic and timeless,” says Bast. “It’s not too busy or overwhelming, and has just the right amount of detail, without distracting from other features in the bathroom. Try pairing it with a bright-colored vanity for an unexpected twist or wood-toned cabinetry for a more subtle look.”

Get the look: Check out this block-print wallpaper from McGee & Co.

Looking to upgrade your wall space without changing the walls themselves? Why not install a gallery wall like this one from @the_interior_lens.

“There’s something about having a gallery wall next to your tub that adds a cozy, lived-in feel to the bathroom,” says Bast. “It feels like a natural extension of the living room into the bathroom.”

Even if your guest bathroom doesn’t have a tub, you can still add a personal touch to the space with an eclectic wall of art you’ve collected over the years.

Get the look: Shop local vintage stores for one-of-a-kind art, or download some ready-made prints on Etsy.

 

For this and similar articles, please visit Realtor.com

Georgian architecture is an architectural style characterized by symmetry, balance, and proportion that traces its origins back to 18th century England. You’ll find this popular design scheme across the nation, though it’s concentrated in the Northeast, particularly in New England.

What is Georgian architecture?

Photo by Archer & Buchanan Architecture, Ltd.

Georgian architecture landed in the United States in the early 1700s, during the reigns of—you guessed it—George I through George III.

“In America, Georgian architecture is commonly associated with the Colonial period, since it was the most favored style up until the Revolutionary War,” says Julie Muniz, an art curator and consultant in the San Francisco Bay Area. After the war, all things British were shunned, including Georgian design, and the American Federal style emerged in its place, she adds.

In popular culture, perhaps the most memorable example of Georgian architecture to appear on the silver screen is the house where little Kevin McCallister was left behind in “Home Alone.”

Design characteristics of Georgian architecture

What is Georgian architecture?

Photo by Eric Stengel Architecture, llc 

A classic Georgian home is square or rectangular, made of brick, and features symmetrical windows, shutters, and columns.

“Grand entrances were often embellished with pediments, arches, and columns, and interior spaces featured high ceilings, window headers, and crown molding,” says Muniz. “Larger houses feature a central block augmented with symmetrical wings on either side.”

Justin Riordan of Spade and Archer Design Agency points out that Georgian homes tend to have two-and-a-half stories, with an elaborately adorned front door with a pediment (a triangular structure above the door) or a transom window (above the entranceway).

Windows in Georgian architecture

What is Georgian architecture?

Photo by Meyer & Meyer, Inc. Architecture and Interiors 

Because symmetry reigns supreme in this style of architecture, the windows of Georgian homes mirror each other.

“The window layout for this home will often be the same on both the first and second floors, with the addition of a window on the second floor, over the front door,” says Riordan.

Georgian home windows are also typically flanked by shutters painted black, forest green, or navy blue.

Home decor and Georgian architecture

What is Georgian architecture?

Photo by Peterssen/Keller Architecture 

Because Georgian homes are classical in nature, most homeowners will fill them with traditional decor, but there’s no rule that says you have to stick to period furniture if you’re lucky enough to own one.

“The great thing about Georgian architecture is that the rooms are very boxlike and can work with a variety of looks,” Muniz says.

Riordan agrees: “You can contrast a Georgian exterior with a modern aesthetic inside.”

However, if you want to go the more traditional route, Muniz says that neoclassical furniture will highlight the built-in features of the architecture.

Georgian houses are flooded with light (thanks to all those windows) so Riordan says designers can incorporate dark, moody paint colors without making the inside of the house look too gloomy.

“Reversely, sticking to a white-on-white paint scheme can allow for brightly patterned furniture, rugs and art,” he says.

Taking Georgian architecture outside

What is Georgian architecture?

Photo by Western DuPage Landscaping, Inc. 

Traditional landscaping can really emphasize the classic design of a Georgian house. Consider refined flower beds, manicured shrubberies, and carefully planted ground cover.

 

For this and related articles, please visit Realtor.com

After a real estate sale, there are a lot of documents to organize. But do you have to keep them all? After all, you don’t want to have to file all of it if you don’t have to; but you also don’t want to chuck something crucial.

Your closing company is required by law to keep a record of your closing documents, so that’s a good fallback in case you misplace yours. Still, it’s smart for you to keep important documents on hand—particularly if, later on, you need to file a claim against the seller or your professional representation team (i.e., your real estate agent, home inspector, or mortgage lender). Hopefully, that doesn’t happen, but it’s wise to be prepared.

Full disclosure: I’m a real estate agent, but I’m not a naturally organized person. In fact, until a few months ago, I kept the documents from my home purchase in a folder in my closet labeled “Keep Docs.” (I’m not joking!) But the important thing is, I know what forms I have to hold onto.

So, of the hundreds of documents you’ll encounter during the home-buying process, here are the ones you should keep—and why.

8 Real Estate Documents to Keep—and What Happens If You Don’t

1. Buyer’s agent agreement

When you choose a real estate agent, you sign a buyer’s agent agreement—a contract between you and the brokerage, stating that the agent represents you in the purchase of your home.

This agreement outlines the terms of the relationship with your agent—including who pays the agent’s commission (in most cases, the seller), the length of the agreement (90 to 120 days is standard in most markets), and the terms for terminating the agreement.

Why you should keep it: This contract spells out what services your agent agreed to provide you with—and it can come into play if you have an issue with your agent after the transaction closes.

2. Purchase agreement

Every home sale starts with a real estate purchase agreement—a legally binding contract signed by home buyers and sellers that confirms that they agree upon a certain purchase price, closing date, and other terms.

Why you should keep it: The provisions stated in this contract must be followed to the letter. If you or the seller fails to fulfill these duties, there could be legal ramifications.

3. Addenda, amendments, or riders

These types of documents alter or amend the terms of your purchase contract. For example, if a survey reveals that there’s an encroaching fence built by a neighbor, and you’d like the fence removed, the sales contract has to be formally amended.

Why you should keep them: Addenda, amendments, and riders are often related to home inspections or appraisals, and because they change the original terms of the signed contract, they’re worth holding onto.

For instance, if both parties signed a repair addendum, where the seller agreed to make certain repairs based on the home inspection, you’ll need this addendum if you find issues with the repairs down the road.

4. Seller disclosures

Sellers are required by law to disclose certain problems with the home, both present and past, that they’re aware of that could affect its value. While laws vary by state, these disclosures might include lead-based paint, pest infestations, and renovations done without a permit.

Why you should keep them: If major problems crop up with your home after you move in, these disclosures can be the basis for a future lawsuit against the seller. If you lose them, you might have trouble holding the seller accountable in a court of law.

5. Home inspection report

After your home inspection, your inspector should produce a report with detailed notes on the condition of the home and any potential problems.

Why you should keep it: This document is an extremely detailed list of everything that the home inspector finds, and it typically includes photos of problem areas. By keeping this report, you’ll have a record of any repairs that you may need to make to the property in the future.

6. Closing disclosure

Mortgage lenders must provide borrowers with a closing disclosure (also called a CD) at least three business days before settlement. This document spells out things such as your loan term (typically 15 or 30 years), loan type (a fixed-rate or adjustable-rate mortgage), the interest rate, and closing costs, among other financials.

Why you should keep it: Your CD is an itemized list of all the costs associated with closing and your mortgage, and it’s important to have for future reference. It’s also the document you’ll need when you go to file your taxes, since you can take deductions for things such as mortgage points.

7. Title insurance policy

Title insurance offers protection against any competing claims to a home. As part of the process, the insurer will run a title search of public records, seeking loose ends such as liens against the property or fraudulent signatures on ownership documents.

Why you should keep it: You’ll need this document in the event another party, such as a previous owner, tries to claim the property. Note that there is separate title insurance to cover lenders versus buyers, and you would do well to get a policy for yourself.

8. Property deed

When you take title and become the sole owner of the property, you’ll receive a deed—a legal document that confirms or conveys the ownership rights to the home, says Anne Rizzo, associate vice president of Detroit-based title insurance company Amrock.

“It must be a physical document signed by both the buyer and the seller,” Rizzo says.

Typically, the property deed is mailed to you after the title transfer documents are recorded in your county’s public records office.

Why you should keep it: Presenting a property deed is the only way to show someone you legally own the home you’re residing in. Because the deed is sent to you directly, neither your mortgage lender nor title company is required to keep a copy of it.

 

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Selling a home is no longer the easy feat it was last year—or even six months ago.

Between the news that we already seem to be slipping into an unofficial recession and a serious home market slowdown, many sellers feel like they’re facing a Sisyphean task. The Federal Reserve’s latest interest rate hike of 0.75% is expected to push up mortgage rates that had already reached a 20-year high, putting further pressure on a stressed market.

But if you’re in a position to sell, there’s no reason to give up hope.

You might not be able to bank on receiving multiple offers over your home’s asking price. But with a little foresight and strategic thinking, you’ll be scheduling the moving trucks in no time.

Below, we hear from real estate pros who have weathered much worse markets than this.

How To Sell Your Home During a Real Estate Slowdown

Consider offering an interest rate buydown

Chances are, many of your potential homebuyers are struggling to balance their home goals with the reality of ballooning mortgage rates. A great way to put them at ease is by offering an interest rate buydown to help make their mortgage payments more manageable.

An interest rate buydown is typically negotiated between a buyer and the buyer’s lender. But sellers may also offer to buy down a buyer’s mortgage. In a seller-paid buydown scenario, the seller will pay a certain amount of money to the buyer’s mortgage lender to lower the buyer’s interest rate.

“A rate buydown can be a specific amount of money credited at closing that the buyer can use toward points on their mortgage,” says Michelle Mumoli, a broker-associate with Compass in Jersey City, NJ. “And because buyers have the option to refinance once rates go down again, they can use that to cover their closing costs.”

You can also offer to structure a buydown by percentage points.

“Offer to pay down their interest rate by a point or two at closing,” suggests Doug Greene, owner of Signature Properties Philly. “It directly addresses a pain point that many buyers are facing and will likely make less of an impact to you than you think. One or 2 percentage points is always going to be less than dropping your price $30,000 to $50,000 on an average-priced home. Buying down points is working well in today’s market.”

Help homebuyers with big-ticket items

If your home isn’t newly built, there’s probably a big-ticket item—your boiler, your roof, your HVAC—that needs replacing now or in the near future.

“If you have, say, a roof that’s over 15 years old, it will have to be replaced pretty soon,” says Brenden Rendo, a real estate agent at NextHome Neighborhood Realty in Winter Springs, FL. “It’s a huge bonus if you offer to do it before the sale, or offer to escrow funds to cover the costs from the proceeds of the sale.”

Strategically reduce the asking price

Some sellers have had to cut prices right now, but you can do it in a shrewd way that will be more likely to actually land a buyer.

“Over the years, I’ve learned that discounting your home once in a large chunk, like 5% to 10%, will stir up a lot of interest,” says Greene. “This works in any market. If you adjust the listing, you’ll find you get action quickly and often yield multiple offers and a flurry of showings.”

Or, you can trigger interest with strategic micro price drops.

“Start by doing plenty of research on pricing in your area in order to establish a baseline price, and list your home at that price for starters,” advises Martin Orefice, CEO of Rent to Own Labs in Orlando, FL. “And savvy homebuyers will often look for homes that have recently dropped in price, because this can indicate a seller who is eager to move their property. Triggering this interest is a great way to get people in the door, so time your price drops carefully.”

Go down by 1% each month, Orefice suggests, and schedule those price drops for times when you’ll be available for showings.

Throw in something unexpected

If you’re selling your home and downsizing, you might be ready to part with any number of assets that aren’t normally included in a home sale. Consider offering one of these as a tantalizing tidbit for buyers.

“Competition is so tight right now,” says Robert Johnson, marketing director at Coast Appliances, whose work often involves strategizing on home sales with real estate agents. “Capturing a buyer’s interest is the first step to landing a sale, and sometimes that can be as easy as offering and highlighting high-end appliances or unexpected items like a car, big-screen TV, solar panels, even gardening tools.”

Market your assumable VA loan

VA loans are backed by the U.S. Department of Veteran Affairs and don’t require down payments or mortgage insurance, making them hugely popular for those who qualify. But one bonus that few are unaware of is that VA loans can be assumed, or taken on, by buyers.

“If you have a VA loan that can be assumed, you should definitely market that,” says David Hampshere, founder and CEO of Purple Egg Real Estate, which covers Florida and Alabama. “VA loans can cover 40% or more of the sales price and are usually at a very low rate.”

Offer a home warranty

Because the housing market is so uncertain right now, adding a layer of predictability can be a huge boon.

Sellers may opt to attract buyers by offering to pay for a home warranty that would cover the home’s systems (like the electrical and plumbing) and appliances while it’s on the market. A warranty can also be transferred to the buyer once the home is sold.

Most home warranty contracts are 12 months and cost $250 to $1,500 per year, depending on your warranty provider.

Theron Smith, a Brown Harris Stevens real estate agent in New York, has found that homes with a warranty sell significantly faster and for more money than comparable homes that don’t offer a warranty in the same market.

“By offering a home warranty during your home sale, you give your buyer peace of mind that they are protected financially if anything were to go wrong in their new home,” Smith says. “As a result, they feel more comfortable and confident taking the leap and making a big decision about their home.”

 

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