Cheryl Fleming, GRI, ABR's Blog
Arguably one of the most private rooms in the house, the bathroom is a place to relax and unwind. To wash off the stress of the day and give yourself some much need pampering. If you invest in top of the line skincare and spa services to maintain your health it’s only wise to also invest in your personal oasis. You’ll extend the benefits of professional treatments and create a relaxing environment where you just might find you don’t need to leave the vicinity of your own home quite as often to fully unwind.;
Turn your normal showering experience into a serene spa-like experience with a steam shower. A steam generator is discretely installed and operated from a digital panel within the shower. More than just a relaxing experience a steam shower helps to promote blood circulation, clear skin, and easier breathing.
No one is ever happy about stepping out onto cold tile after a relaxing, hot shower. Radiant heat flooring will keep your feet warm no matter the temperature outside. This heating system works well with almost any flooring style you would install in a bathroom including natural stone. As an added bonus radiant heating also keep the room a steady, even temperature, unlike traditional heating methods.
Stay luxuriously cozy after bathing with a fluffy towel fresh off a towel warmer. With several types and styles, you’ll have no problem finding one that matches your particular taste. There are drawer varieties as well as rails. And like radiant heat flooring, it helps to keep the room warm.
Relax in a freestanding soak tub for an indulgent afternoon. Cast iron retains heat and brins classic style to your home. Another luxe option that retains heat well is a stone soak tub. Both of these require extra reinforcement to flooring but little maintenance over time. Alternatively, solid surface tubs offer a more lightweight option for your home flooring and still offer similar styles as to their cast iron and stone counterparts.
Bring extra room into your oasis with skylights. They allow for natural lighting while retaining privacy. There are tech options with built-in blinds and smart auto close features by detecting weather conditions. If placing a bid on a home with a skylight ensure to have it checked for proper installation. And if upgrading after purchase do so with a well-qualified expert.
While nothing can replace the experience provided by spa professionals completely by investing in your bathroom you’ll create a home resort that comes pretty close. So whether you’re schedule is too packed to book a spa day or you would love to indulge in them more often these five upscale upgrades will have you looking forward to home sweet home.
Home insurance is a must for any homebuyer. However, getting the right coverage at the right price may seem impossible, particularly for those who are buying home insurance for the first time.
Fortunately, we're here to help you take the guesswork out of buying home insurance. Here are three tips that you can use to obtain the right home insurance coverage for your residence.
1. Understand What a Homeowners Policy Covers
Homeowners insurance offers protection against damage to your property and personal belongings. It also safeguards you against liability for any injuries or property damage that you may cause to other people.
Typically, homeowners insurance offers a package policy that ensures you are protected against natural disasters and other unforeseen risks. On the other hand, homeowners coverage does not protect you against every possible danger. And in some cases, you may need to buy additional coverage to supplement your homeowners policy.
For instance, a homeowner who lives in a floodplain likely will need to purchase flood insurance, as a homeowners policy does not offer flood coverage. Or, if you own a trampoline or your home features a swimming pool, you may need additional coverage as well.
Speaking with an insurance agent will allow you to learn about the ins and outs of a homeowners policy. If you ever have concerns or questions about homeowners insurance, a home insurance professional will be able to respond to your queries at any time.
2. Get Multiple Home Insurance Quotes
When it comes to finding home insurance, it pays to shop around. By doing so, you'll be able to get multiple home insurance quotes and find the best coverage at the best price.
Meeting with at least three home insurance companies usually is a good idea. This will enable you to find out how home insurance will impact your monthly expenses and receive responses to all of your home insurance queries.
3. Don't Forget About Preventative Measures to Supplement Your Home Insurance
Homeowners insurance offers protection in a number of areas, and ultimately, provides a great option to safeguard your property and belongings against risk. Furthermore, there are many quick, easy ways to minimize risk without having to increase your homeowners insurance coverage or add supplemental insurance.
For example, if you own a large collection of antique coins, it may be worthwhile to purchase a safe to secure these items. Also, if you buy a security system for your home, you can safeguard your residence and belongings against theft and may be able to get a discount on your home insurance too.
Purchasing home insurance is a major decision, and if you need extra help along the way, your real estate agent may be able to point you in the right direction.
Your real estate agent may have home insurance contacts, and as such, can connect you with these contacts instantly. Thus, you can move one step closer to buying home insurance that enables you to safeguard your property and belongings both now and in the future.
Bad credit happens. Maybe you were late on some loan payments, or maybe you got a bit to swipe-happy with a credit card while you were in college. Or, maybe you were like many other Americans who took a financial hit during the housing crisis. Regardless, it can take a long time to recuperate from a bad credit score.
If you’re hoping to buy a home but have poor credit, it can seem like you don’t have many options. However, there are many mortgages designed with such people in mind.
In this post, we’re going to discuss some of the options for people interested in home ownership who have low credit and ways they can achieve this goal without taking on high interest loans.
First thing’s first: start prioritizing your credit
Even if you want to buy a home within the coming months, it’s always a good idea to start building credit. It does take several months to see a substantial difference on your credit report, but starting now will save you in the long run and will show lenders that you’re making a difference.
To give your credit score a boost in the shortest time possible, set all of your bills on auto-payment, repay and late bills such as medical expenses, and set up payment plans wherever needed. If possible, become an authorized user on someone’s credit card and use that for everyday expenses like groceries. Doing so will help you build credit without opening new cards that have high interest.
Many types of mortgages
Mortgages come in many shapes and forms. Since lenders are in competition with one another, you can often find loans that cater to underserved markets. In this case, that market is people with low credit scores.
Call some local lenders and ask if they have programs for people with low credit. Often they will point you toward first-time homeowner loans and USDA-guaranteed mortgages. Other times they might offer loans with high down payments. But, you’ll never know until you ask.
USDA and FHA Loans
Currently, USDA loans have a minimum credit score of 620. For FHA loans, lenders recently reduced the minimum score to 580. With these loans, you can pay a low, or no, down payment and still receive a mortgage loan.
The first step to getting approved for either type of loan is getting in contact with a lender to determine your eligibility. Eligibility is based on other factors such as your income, and in the case of USDA loans, the location of the home.
If your score is lower than 580 or you don’t qualify for a USDA loan, you can still find other options. One would be to pay a higher down payment on the home. This would help ensure the lender that you are able to provide income to make payments in spite of your credit history.
Another option would be to reason with your lender of choice. Most of the application process comes down to numbers, but if you can show a lender that you have substantial, reliable income, and have been making rent payments for multiple years, these can both help build your case.
20 High St, Millbury, MA 01527