Author Archives: ed.johnson@dcmetrorealtyteam.com

12 Ways to Enhance Your Outdoor Space

adirondack_chairs

“Who doesn’t love to get outside when they’re at home.  We constantly have buyers that are looking for great outdoor living spaces.  Here are some ideas on how to use what you have and make it better!”

Denise Buck & Ed Johnson – DC Metro Realty Team

 

You should approach an outdoor project much as you would an indoor one: Have a strategy. Determine where you want the focal point to be and lay out your desired boundaries. Once you’ve done the groundwork in scoping out your outdoor space, you can begin detailing the space by adding enhancements. Here are 12 ways you can enhance your outdoor space to further enrich your home life.

1. Porches and Decks

If you’re fortunate enough to have a front porch, don’t let this space go to waste. Add a pair of rocking chairs or swinging bench, along with some beautiful potted flowers for a splash of color.

If you spend more time in the backyard, building out a deck is a great option. Dependent on the size of your yard, you can create a small and humble deck, leaving room to roam, or one that expands a vast amount of the yard. There are a variety of finishes to consider, from stain to painted, as well as shapes and materials. Decks can be built out by a professional, or you can DIY a deck using recycled pallets or salvaged stones.

(Credit: Ruth Peterkin/Shutterstock)

(Credit: Ruth Peterkin/Shutterstock)

2. Gazebos and Cabanas

If you love to entertain, building a gazebo or cabana will definitely earn you big points with your guests. You can build a gazebo as an extension to your deck for some shelter from the sun and rain, or create a paved walkway leading from your deck out to a free-standing gazebo. A cabana is something that you can easily DIY with some PVC pipe or wood and drape fabric over the top to create a shaded shelter.

(Credit: paultarasenko/Shutterstock)

(Credit: paultarasenko/Shutterstock)

3. Garden and Potted Plants

A garden is much about its beauty as it is about its bounty. Grow a garden of flowers, plants, vegetables or fruits that you can overlook from your deck area, or add potted plants in and around your deck for natural color. If you don’t have a deck and your garden is the main focal point of your yard, then create a patch of gravel nearby where you can place a bistro table and chair to sit and take in the beauty of your garden. Don’t forget to include plants such as lemon balm, citronella, peppermint, marigolds and lavender to repel insects from biting you and your guests while you enjoy your outdoor space.

(Credit: Shestakoff/Shutterstock)

(Credit: Shestakoff/Shutterstock)

4. Trellis and Arbors

Complement your beautifully manicured garden with an attractive trellis, or create a spot of shade with an arbor. Either can be made from wood or metal. There are a variety of climbing vines and plants to grow on your trellis or arbor, including morning glory, wisteria, ivy, sweet pea and honeysuckle. You can also add a trellis of climbing plants to your front walkway as a welcoming archway for visitors.

(Credit: Hannamariah/Shutterstock)

(Credit: Hannamariah/Shutterstock)

5. Sprawling Trees

Planting trees are an easy and practical way to enhance your outdoor space. Trees can live for quite a long time and lend personality to your home. Trees can also provide shade during warmer months, and establish boundaries and privacy more attractively than fences do. When selecting your trees to plant, be sure to pick ones that are suitable to your climate, and plant them strategically away from the home for when they are full grown. Go for a fruit-bearing tree to enjoy all the function of trees with a delicious bonus.

(Credit: Iriana Shiyan/Shutterstock)

(Credit: Iriana Shiyan/Shutterstock)

6. Tree House or Club House

Give your kids a reason to get outdoors and away from their electronic devices by building them an outdoor playhouse. Either purchase a prefabricated outdoor playhouse, or get inventive and build a tree house. Build your tree house at ground level around a tree, or a more traditional style that they can climb up into. The sky’s the limit with options for material, shapes, colors and accessories, such as a tire swing.

(Credit: Smit/Shutterstock)

(Credit: Smit/Shutterstock)

7. Lush Lawn and Lawn Alternative

If you take care of your lawn, it will take care of you and your family fun. You won’t have to go far to have fun with family and friends. Enjoy a variety of lawn games or simply park a blanket for a picnic in your own backyard. If you are in a location with drought problems, you might try looking into lawn alternatives such as ground coverings that are native to your region, a gravel and rock landscape, or even synthetic grass.

(Credit: Cheryl Casey/Shutterstock)

(Credit: Cheryl Casey/Shutterstock)

8. Fire Pits and Fireplaces

An outdoor fire pit or fireplace can be the perfect complement to entertaining your family and friends into the evening. You can consider building one out as an extension of your deck, or purchase a portable one that requires no heavy installation. There are options also for wood or gas with fire glass. Make sure to check for any regulations in your area regarding outdoor fires, and be sure to place in a safe area.

(Credit: EpicStockMedia/Shutterstock)

(Credit: EpicStockMedia/Shutterstock)

9. Water Features

Add some zen to your outdoor space with a water feature such as a pond, fountain or bird bath. Think how soothing it would be to relax out on your deck next to the sound babbling water. You can purchase a traditional stone bird bath, or refurbish items to transform into a bird bath. If you go with a pond, think about the flora you want to grow in it, such as aqua lily pads, as well as add life to the pond with beautiful koi fish.

(Credit: Valentina Razumova/Shutterstock)

(Credit: Valentina Razumova/Shutterstock)

10. Lights

Don’t let the setting sun dampen your family’s outdoor fun. By lighting up the backyard, you’ll have enjoyment through the night. Use solar ground lights to line your lawn and walkways. Install lantern fixtures on the exterior walls. Get creative and festive with large string light bulbs to add to the starry night.

(Credit: photobank.ch/Shutterstock)

(Credit: photobank.ch/Shutterstock)

11. Stepping Stones and Paved Walkways

Accent your beautifully manicured lawn and garden with a walkway or stepping stones. If you’ve got different focal points in your yard, connect them into one cohesive landscape with stepping stones. You can either purchase some paver stones, or use salvaged material to give your walkway a rustic and natural effect.

(Credit: Jaochainoi/Shutterstock)

(Credit: Jaochainoi/Shutterstock)

12. Furnishings

What’s a beautiful outdoor space if you can’t sit and enjoy it? If you have installed a deck, patio furniture will bring it to life. Don’t forget a canopy shade so that you can enjoy your deck when the sun is high and hot. Add decorative benches or Adirondack chairs around your garden, or string a relaxing hammock between two trees. Accent your furniture with bold pops of color, such as throw pillows.

(Credit: V. J. Matthew/Shutterstock)

(Credit: V. J. Matthew/Shutterstock)

Originally Published on Pro.com, and is a website founded in 2013 by service industry entrepreneurs and former Amazon executives to simplify home services — especially research on contractor fees and qualifications.

New Homeowners – Don’t Spend Money Here

Moneydowndrain

“We love helping our buyers, but especially our first-time buyers.  We want to get them started on the right path so they get the most for their 1st big purchase. Here are some things to try and ‘NOT’ spend money on when you are a New Homeowner.”

Denise Buck & Ed Johnson – DC Metro Realty Team

 

You’ve just moved into your first home. For the first time in your life, it’s all yours – no more landlord, no more renting, no more leases.

It’s an exciting time, but it’s also a time filled with a lot of sneaky expenses new homeowners often aren’t prepared for. Add those new expenses to the expensive monthly cost of a mortgage, insurance, property taxes, homeowners association fees, and so on, and it’s not hard to see a budget pushed to the breaking point.

Here are six expenses new homeowners often face that can easily be reduced or eliminated with some smart choices.

Expensive home furnishings. Often, a person’s first home is much larger than the places they’ve lived in before. For example, my wife and I moved from a tiny two-bedroom apartment to a three-bedroom house with twice the square footage, and it seemed enormous.

That leaves a person with a lot of empty space and the tendency is to fill that space with new furnishings. Many homeowners follow their first day in a new home with a day at the local furniture store, often buying more new furniture than they can afford.

If you’re considering new furnishings, give it some time first. Buy low-end items if you really want to fill the space, and then gradually replace them as your savings allows. Don’t fill up your credit card with expenses from the local furniture store.

Private mortgage insurance. Many first-time homebuyers are saddled with this terrible expense that comes from buying a home without a 20 percent down payment. Often, this adds $100 or more to your monthly mortgage payment with nothing in return.

Get rid of this as soon as you can. The best possible time to make a few extra mortgage payments is in the first few years of the mortgage. You’ll not only get rid of that PMI early, you’ll also greatly reduce the lifetime interest you pay on your mortgage.

Appliance insurance. Many new homeowners are offered a “deal” on appliance insurance, in which they pay some insurance company a certain amount each month to “insure” their appliances against natural failure.

Why is this a bad deal? It’s far more expensive than just saving that same amount in a savings account. Rather than buying an unnecessary insurance policy, simply put an amount equal to the monthly premium into a savings account. Within a year, that savings account will cover any necessary appliance replacements.

Lawn care services. The idea of a lush lawn outside of your beautiful new house sounds appealing, and lawn care services know that. They’ll hit you hard right after you move in, showing you gorgeous images of what your lawn might look like.

In essence, they’re just charging you a lot for what you could easily do yourself with a bit of fertilizer, a bit of natural herbicide and a simple dispenser. It costs far less per year to care for your lawn yourself, and it doesn’t take much time, either.

You may decide later that you do want the service because it will serve your lawn better than what you can provide. That’s fine, but find out what you can actually do first. You’ll probably find you can handle it well on your own.

Energy inefficiency. Like it or not, energy inefficiency is a real expense for new homeowners, and it’s often one they overlook. Newly purchased homes often come with cheap, inefficient light bulbs in the sockets. They also often come with older windows and walls that offer poor insulation. On top of that, homes that aren’t air sealed allow warm air to escape in winter and cool air to escape in summer.

One of the most important things you can do to curb your future expenses as a new homeowner is to perform an energy audit on your home. There are many guides to performing do-it-yourself energy audits online, like this one from the Department of Energy. Finding areas where your home is energy inefficient, and fixing those issues sooner rather than later can save you a lot of cash.

Insurance. In the rush to buy a home, many homeowners fail to adequately shop around for homeowners insurance. Instead, they just get a policy from the group recommended by their real estate agent, who is often just helping an insurance salesperson who happens to be a friend.

As soon as you’re settled, take some time to shop around for homeowners insurance. If you spend that time effectively, you can usually knock as much as 30 percent off your insurance premium, which is a lot of cash back in your pocket.

Taking some smart steps when you first move into your home can cut your bills and minimize your expenses for the time you own that house. Make these smart moves now, and your wallet will be happy.

Originally published on Yahoo! by Trent Hamm

Before & After Curb Appeal

Before and After Front Door“It’s the perfect time of the year to take on any number of outdoor projects that can really make a difference in your homes Curb Appeal.  Here are 8 projects that are fairly simple, but have big impacts.”

Denise Buck & Ed Johnson – DC Metro Realty Team

Photo: charmingzebra.com

1. Paint Your Front Door

The front door makes a big impression—it’s the first and last thing visitors see. Painting your door is a quick and low-cost way to instantly boost curb appeal. Whether you go with a stately classic like black or a bright pop of color like yellow or red, a fresh coat of paint will instantly spiff up a tired exterior.

2. Make Your Porch an Outdoor Room

Photo: abeautifulmess.com

Sometimes all you need to do is add decorative elements to transform a space from blah to beautiful. This front porch becomes a bona fide extra room in warm weather, thanks to the addition of a rug, outdoor furniture, throw pillows, and plants.

3. Update Your Address

Photo: balancinghome.com

Add a little art to the front of your home with a DIY house number upgrade. This graphically assertive sign required just a board and a little paint that was already on hand, along with some stencils for the numbers. The results are bold—the pizza delivery guy will never miss this house again.

4. Hide Your Electrical Box

Photo: loveoffamilyandhome.net

Practical components like utility boxes and gas meters are a necessary evil, but do they have to be so ugly? Actually… no. Camouflage your service points by painting them with exterior paint in a shade that matches your siding. They may not completely disappear, but they will definitely blend in, improving the overall look of your home.

5. Lay Out the Landscaping

Photo: loveoffamilyandhome.net

Creating a small, modestly planted landscaping bed will make the side of your house look tidy and and add color your home’s exterior. Recreate the cheerful transformation with some inexpensive edging, weed barrier, mulch, and plants.

RELATED: On the Edge: 16 Garden Borders You Can Make

6.  Hang New Shutters

Photo: livethehomelife.com

Fresh, new shutters can almost instantly enhance your home’s curb appeal. Swapping these weary, boring white eyesores for some new board-and-batten cedar shutters made a huge impact on this facade.

RELATED: 10 Easy Curb Appeal Updates

7. Perk Up Your Pathway

Photo: zenshmen.blogspot.com

A modern pathway makeover doesn’t have to be expensive or require professional labor. This walk was installed right on top of the old concrete path. The project can be completed in a half day, using simple tools and supplies from a big-box hardware store. The result is a sensational improvement that makes the house even more welcoming.

RELATED: The Right Path—15 Wonderful Walkway Designs

8. Upgrade Your Mailbox

Photo: beneathmyheart.net

The mailbox may not seem like a big contributor to curb appeal, and it’s often just an afterthought in home construction. This makeover is so much easier than it looks, accomplished by simply fitting a cast-stone surround over a 4×4 post.

Originally Appearing on Yahoo Makers – by Jennifer Noonan

How safe is your Deck? Check it Now!

Worn Deck“It’s that time of year when we begin to use our decks again.  But what happened to it during the winter months?  Did moisture create cracks or mold?  Have beams warped or started to sag?  It doesn’t take long to check out the basics to give yourself peace of mind.”

Denise Buck & Ed Johnson – Dc Metro Realty Team

Aging deck structures, harsh storms, high temperatures, and a lack of routine maintenance can increase the risk of a deck injury.

There are more than 40 million decks in the United States that are more than 20 years or older, according to the North American Deck & Railing Association, and hundreds of reported deck accidents occur annually.

Check your deck by following these seven deck safety inspection tips from outdoor living company Archadeck:

Boards: Check deck boards for rot, softness, or major cracking.

Every Connection: Inspect every hardware connection on the deck. Look for screws and/or nails backing out, red rust, and other signs of corrosion on metal connectors that can weaken the integrity of the deck.

Structure: Look at the posts, beams, and joists that provide the structural framework of the deck. Is there any noticeable sagging between supports?

Attachments: Most deck failures occur at the attachment site to the home. Ensure that the deck is properly attached to the house with bolts (not nails) and proper flashing for water protection.

Foundation/Footings: The foundation and footings support the weight, or load, on a deck and the columns that bear on them. Look for sinking or a noticeable sag.

Exits: Check deck’s exit areas, usually stairs. Are the stair stringers, treads, and risers ok? Do the stairs require a handrail? Is there adequate lighting to safely use the exits at night?

Rails: Look at rail posts and railing sections to make sure that they aren’t loose or wobbly. All pickets/balusters should be fastened securely and spaced no more than four inches apart.

Source: Archadeck, Originally Appearing on Houselogic

Read more: http://www.houselogic.com/news/decks/7-quick-ways-tell-if-your-deck-needs-help-now/#ixzz3YnM7sU2h
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Pay More or Less – Is an ARM for You?

More or Less GraphicA few years ago, right before the housing bubble burst, Adjustable Rate Mortgages (ARMs) were everywhere.  The problem was they weren’t the right answer for everyone who was using them.  Due to a number of factors at the time; decreased home values, increased unemployment, just plan bad luck, a number of homeowners were negatively impacted by having an ARM.  Consequently ARMs got a bad reputation.  But if used wisely, they can be a great way to purchase a home.

Denise Buck & Ed Johnson – DC Metro Realty Team

Paying more for your house payment does not make your home more valuable. It does mean that the mortgage rate may be higher than it has to be.

Even though fixed rates may never again be as low as they are currently, an adjustable rate mortgage may provide the lowest cost of ownership depending on how long a borrower plans to own a home. There are different types of ARMs but the one in this example is a 30 year mortgage with the rate fixed for five years and can adjust every one year after that based on independent indexes.

Another feature of a FHA ARM is the maximum rate change in one period is 1% and the maximum lifetime cap is 5% over the initial rate.

In the example below, the payment on the adjustable is $153.48 lower for the first five years or 60 payments. Another interesting thing is that lower interest rate loans amortize faster than higher interest rate loans. In this example, the ARM has a lower unpaid balance at the end of the first five years by $4,239.

The total savings on the ARM at the end of the first period is $13,477. If a borrower felt confident they would sell the home prior to the breakeven point of 8.5 years, the ARM would produce a lower cost of housing even if the mortgage rate escalated the maximum at each adjustment period.

To help determine whether you pay more or less, consult with a trusted mortgage professional and your real estate agent to learn the advantages and disadvantages of different programs. To try your own comparison, check today’s rates at the Freddie Mac Mortgage Rate Survey and plug your numbers into an Equity Accelerator

ARM comparison2.png.jpg

Basic Legal Documents

Basic Legal Docs

 

How many Basic Legal Documents do you know of?  Probably a Will and a Living Will, but what else?  There are actually 5 that you should know about.  As you move through life, be prepared for when ‘Things Occur’.

Denise Buck & Ed Johnson – Dc Metro Realty Team  

 

 

Many times, young adults feel “bullet-proof” and don’t consider the urgency to get involved or spend the money to take care of certain legal aspects of their lives because they think they’re going to live forever. Since no one is guaranteed longevity of life, if you want to be in control of who gets what and who is in charge now based on an untimely incapacitation or death, it is important to investigate these basic legal documents.

Will – This is a legal instrument that specifies your desires to care for your minor children and to distribute your personal property after you die and who will manage the process. Anyone who has property and minor children needs a will.

Living Will – This legal instrument specifies your intentions regarding end of life decisions or to designate an individual to make those decisions on your behalf. Many times, a person who had been diagnosed with a terminal condition or who is facing a serious surgery or hospitalization might feel a sense of urgency to have this document.

Power of attorney – This document allows you to appoint someone you trust, not necessarily an attorney, to handle important legal and financial matters for you if you are unable to make decisions for yourself. The time limit can be for a specified period of time or indefinitely.

Trust – This arrangement involves an entity called a Trustee who takes control and manages property for someone else’s benefit called a beneficiary. When property is placed in a trust, the trust becomes the owner of the property. There are different types of trusts and a qualified advisor can explain and recommend which type would be best suited for your situation.

HIPPA Release Form – The Health Insurance Portability and Accountability Act, known as HIPPA, was created by Congress to protect the privacy of a person’s health information. Health care providers are prohibited from discussing any aspect of your medical information with anyone who is not directly involved in your care. To allow friends or family who do not have legal responsibility for you to have access to this information, this release form is necessary.

Most of the issues affecting these types of documents are determined by state law. Since they are legal documents, it is recommended that you seek sound financial and legal advice.

Home Too Big Now?

Kids all grown up“In every parents life comes the time when the kids have moved on to independent lives of their own.  When that happens, you may look around and decide you don’t need the same home you’ve had while raising your family.  Maybe you don’t need as many bedrooms , or the big yard, or maybe you just want ‘Less’ to maintain.  Downsizing can have many benefits as you prepare for the next stage in your life.”

Denise Buck & Ed Johnson – DC Metro Realty Team

Once the kids are grown, have careers, relationships and get a place of their own, parents find that they may not need their “big” home like they did before. Their lifestyle may have changed and the house just doesn’t “fit” anymore.

Benefits of a smaller home:

  • Easier to maintain
  • Lower utilities
  • Lower property taxes
  • Lower insurance
  • More convenient location
  • Convenience of a single level
  • Possibly more energy efficient
  • Possibly lower maintenance

Moving from a larger home frees equity from the previous home that can be invested for retirement income, purchase a second home, travel, education or just to have a nest egg for unexpected expenses. The profit on the home, in most cases, will be tax-free up to the exclusion limits set by IRS.

There will be expenses involved in selling a home as well as the purchase of a new home. These will lower the amount of net proceeds available to invest in the new home.

Like any other big change in life, it is recommended that you take your time to consider the possible alternatives and outcomes. Your real estate professional can provide information that can be valuable in the discernment process such as what your home is worth, what you will net from a sale as well as alternative properties for your next stage in life.

FHA or Conventional?

FHA v Conventional“This is such an important decision.  During the last couple of years Conventional was really the only way to go.  However, recently FHA has altered their guidelines and they have become a viable option again for some buyers.  Make sure you know all the options when you talk to your lender.”

Denise Buck & Ed Johnson – DC Metro Realty Team

Buyers with a minimum down payment are generally faced with the decision of whether to get a FHA or a conventional loan. With the new 3% down payment program on conventional loans, it may become more confusing which loan to pursue.

The two loan programs have mortgage fees that can differ greatly. FHA has a 1.75% up-front mortgage insurance charge in addition to the monthly mortgage insurance charge which was recently lowered by .5%.

FHA’s mortgage insurance is a fixed amount where conventional mortgage insurance providers’ fees are determined by individual companies and according to the credit score of the borrowers. A borrower with a good credit score will be charged less than a borrower with a marginal credit score.

Mortgage insurance on conventional loans can be cancelled when the equity in the property reaches 20%. FHA mortgage insurance in most cases, is paid for the life of the mortgage. Once a borrower has a 20% equity in their home, to eliminate the monthly FHA mortgage insurance, they would need to refinance the home with a conventional loan and would not be eligible for any refund of the up-front fee paid at closing or added to the mortgage.

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If a borrower has a low credit score, FHA may be the better choice because conventional underwriters may have a higher minimum score. FHA loans also tend to be more lenient than conventional loans when a borrower’s total monthly debt exceeds 45% of their monthly income. FHA tends to allow borrowers a shorter time frame after foreclosures and bankruptcies.

The decision-making factor is which mortgage will provide the lowest cost of housing including payment and all loan fees. A lot of information is necessary to make a good decision and typically, the borrower isn’t able to acquire it on his/her own.

A trusted mortgage professional is very valuable in not only providing the information but guiding the borrower through the entire process. Your real estate professional is uniquely qualified to make such a recommendation.

Selecting a Lender

SelectaLender“It is so important to find a good lender who is knowledgeable, experienced, easy to contact and has a large range of products to choose from.  In addition to asking the questions below, always make sure that your lender will be able to react quickly when you find a home you want to make an offer on.  You don’t want to be delayed by an unresponsive lender.”

Denise Buck & Ed Johnson – DC Metro Realty Team

 

Finding a mortgage lender is not a problem. Selecting someone who will help you find the best loan product for your situation even if it means sending you to another lender is paramount.

There is a huge advantage to be able to sit across the table from someone you’re doing business with and look them straight in the eye. It’s difficult to make an informed decision based on a website and a phone call.

Doing business with a full-time professional who specializes in residential loans like you’re trying to get is important. You want the loan officer to be familiar with local conditions, values and practices.

It’s to your benefit to have a loan officer who has the experience to put the unusual transaction together even if yours is not.

Here are a few questions that will be helpful in selecting the right loan officer.

  1. What percentage of your business are FHA & VA compared to conventional mortgages and how long have you been doing them?
  2. What percentage of your loans close on time according to the sales contracts?
  3. Will my credit score affect my interest rate?
  4. Will you help me select the best loan product for me regardless of your commission?
  5. Are there prepayment penalties on any of the loans we’re considering?
  6. Are there any restrictions on refinancing any of the loans we’re considering?
  7. When is my loan rate locked-in? Is there a charge for that?
  8. Is your loan underwriting in-house?

A real estate professional can be your best source of information and can recommend a trusted lender. If you have any questions as to what kind of answers you should expect, please give me a call.

Invisible, Odor-free and Potentially Hazardous

Radon“Over the years most experienced agents have come to pretty much know where potential issues exist in the area.  However, it is always concerning when we have a test done and find Radon in a home where families have lived for years without knowing there was Radon.  If you aren’t sure about your area, you should get any subterranean basement tested just to be sure.”

Denise Buck & Ed Johnson – DC Metro Realty Team

Most people’s first introduction to Radon is during the inspections of a home. It can be as much a surprise to a seller as it is a buyer. Radon is an invisible and odor-free, cancer-causing radioactive gas.

Radon can get into a home through cracks in solid floors, construction joints, cracks in walls, gaps in suspended floors, gaps around service pipes, cavities inside walls and even the water supply.

It is estimated that one out of every fifteen homes in the United States has elevated radon levels. The EPA recommends that you test your home which is the only way to find out if you and your family are at risk. If the level found is 4 picocuries per liter or higher, the EPA suggests that you make repairs or install a radon reduction system. Even lower levels can have health risks.

The EPA’s interactive map is available to find state and county information but still recommends that all homes should test for radon. More information can be found from the EPA in A Citizen’s Guide to Radon.

Test kits are inexpensive and can be purchased at stores like Lowe’s or Home Depot if you choose to do it yourself. If levels indicate a high enough level, you can contact a qualified radon service professional for another test or to mitigate your home. You can get information on identifying these professionals at www.nrpp.info and www.nrsb.org.