Monday, January 6, 2014

31 Insanely Clever Remodeling Ideas for Your Home

from buzzfeed.com

I am excited to say that I sold the house featured in the first spot in #12!

1. Lower your living room to create a conversation pit  

Lower your living room to create a conversation pit.                         
The bi-level living room will give your home an incredibly spacious yet cozy effect.

2. Turn an attic nook into a pillow room.

What is life but one long, perpetual movie-night slumber party?

3. Display your book collection under the stairs.

4. Or use the space underneath for storage.

Or use the space underneath for storage.                         
                         
                         
Next-level wine collection not included, unfortunately.

5. Or use that space for a book nook.

 So much cozy.

6. Dogs are people, too, which is why your dog should probably get his or her own little haven underneath the stairs.

 

7. Make space for two dishwashers instead of one.

You can load one while the other washes. KitchenAid also makes a double drawer dishwasher.

8. If you’re doing a HUGE remodel, ask your contractor about tacking on a treehouse or guesthouse.

If you're doing a HUGE remodel, ask your contractor about tacking on a treehouse or guesthouse.                         
This add-on might cost less than you think.
[source: Quora]

9. Turn your shabby garden shed into a charming artist’s shed.

 
With big windows for lots of light and visual inspiration.

10. Install an in-wall pest control system.

Pest-tube installation means that all the exterminator has to do is inject some stuff into one end to keep insects and rodents away.

11. Maximize your space with baseboard drawers.

Maximize your space with baseboard drawers.                         
Especially in the kitchen and bathroom.

12. Consider a hidden room.

Consider a hidden room.                         
                         
Sometimes it’s as simple as adding a bookcase to a door.

13. Make your walls MAGNETIC.

Make your walls MAGNETIC.                         
Magnektik makes large magnetic panels that are strong enough to hang anything, including shelves and TVs.

14. An S-shaped seat turns your shower or steam room into one you can LIE DOWN IN.

An S-shaped seat turns your shower or steam room into one you can LIE DOWN IN.                         
Insane in le bain.

15. Have an extra-tall ceiling? Stretch a ceiling hammock across it.

Have an extra-tall ceiling? Stretch a ceiling hammock across it.                         

16. A walk-in shower means NO GLASS TO CLEAN.

17. Install chutes in your kitchen for your trash and recycling.

Install chutes in your kitchen for your trash and recycling.                         
Funnel them straight into the garage.

18. A platform in a storage/guestroom hides away all of your stuff while keeping the room usable.

A platform in a storage/guestroom hides away all of your stuff while keeping the room usable.                         
                         
It’s also a great way to make a comfy nook room more functional.

19. Build a bar into your deck.

Build a bar into your deck.
 

20. Turn dead space above a staircase into a playroom.

21. Build a second mini-fridge in your kitchen island for BEER.

Build a second mini-fridge in your kitchen island for BEER.                         
Or really, anything you want.

22. Instead of typical cabinets, build a pull-out cabinet for instant counter space.

23. Put a sink with jets in your laundry room so you have a convenient place to wash your delicates.

24. Utilize dead space with a built-in wine rack.

Utilize dead space with a built-in wine rack.                         

Or build the wine rack directly into the kitchen island.

25. Two words: VACUUM BASEBOARDS.

This sorcery actually exists.

26. Kids will love having slumber parties in their bunkroom.

 

27. Bring the outdoors IN with these accordion glass windows and doors.

 
                         
It’s an epic way to open up your kitchen while entertaining.

28. Swap out your boring old ceiling for a star-gazing sunroof.

Swap out your boring old ceiling for a star-gazing sunroof.                         

29. Install a two-sided fireplace between the bathroom and the bedroom.

Install a two-sided fireplace between the bathroom and the bedroom.      
Who needs heated tiles when you have a bathroom fireplace?

30. Frame your living room fireplace with built-in seating.

Frame your living room fireplace with built-in seating.                         
Fireplaceseat is the new windowseat.

31. And finally, go ahead and add that master bedroom balcony.

And finally, go ahead and add that master bedroom balcony.                         
You deserve a quiet, tranquil place to look out over your land.

Call Stacia Ehlen today if you would like information on how adding one of these COOL features to your home will help it to sell for more money!

Tuesday, December 10, 2013

Distressed Arizona Homeowners May Qualify for Arizona's Short Sale Assistance Component


If you are a Bank of American mortgagee, can no longer afford your home and are interested in pursuing a short sale, you may be eligible for financial help with your relocation to alternative housing.

The funds come from the Short Sale Assistance Component, part of the Save Our Home AZ Program.

The state of Arizona is providing up to $4,500 in transition assistance to qualified homeowners who can no longer afford to stay in their homes.  You must:
  • Apply for the funds through the state's website or by calling 1.877.448.1211.
     
  • Maintain your property until your house is sold. 
For qualified homeowners, these state funds may be used in addition to any other transition assistance that the homeowner may receive by participating in the Federal Home Affordable Foreclosure Alternatives (HAFA) program or in any other pre-offer short sale program.
 
To learn more about the Transition Assistance Program's guidelines, and how you may qualify, please visit that program's website at http://www.azhousing.gov/.  You can also call 1.877.448.1211 and identify yourself as a Bank of America customer.
 
Call Stacia today and your home can be on the market tomorrow.

FHA Loan Limit Decrease is Coming

FHA just released their updated Mortgagee Letter, starting on January 1st, 2014, the FHA loan limit in Maricopa County for a single family residence will decrease from the current maximum loan limit of $346,250 down to a maximum loan limit of $271,050.

The new loan limit will apply to all FHA case numbers issued on or after 01/01/2014.

A purchase price of $280,850 will keep a buyer at 3.5% down when considering the $271,050.00 maximum loan limit.


If you are on the fence about buying a new home with an FHA loan, now is the time! Call Stacia today to get pre-qualified and find your new home.

Sunday, December 8, 2013

Year-End Home Repairs That Pay Off

from DaveRamsey.com
 
The longer we live in our homes, the harder it is to see their flaws. We simply get used to the scuff marks, chipped paint and squeaky floorboards. It all adds to that lived-in feeling, right?
But during the holidays, we want to present our home in its best light, and that means taking care of some routine home maintenance. If you’re planning to put your home on the market anytime soon, those year-end maintenance projects will do double duty when it comes to attracting buyers.
 
When you make your list of areas that need your attention, don’t forget these easily overlooked items: 
 
Roof and Gutters
As you put up your outdoor lights and decorations, look for any loose shingles or sagging gutters. Prospective buyers who notice them will instantly wonder about leaks and water damage on the roof. Replace the loose or missing shingles and get the gutters and downspouts back where they belong. Then clear out leaves and debris that accumulated during fall so they work properly.
Patch Before You Paint
Most homeowners know the magic a fresh coat of paint has on a home. But don’t forget that years of holiday decorations, photos and artwork will leave your walls peppered with nail holes. Always patch those holes before you paint for a more polished and professional result.
 
Always Underfoot
Next, take a look at your floors. Scratched, stained or discolored flooring are a distraction for prospective buyers. Even though these don’t usually indicate a problem with the home, it does suggest that you haven’t maintained your home very well. Eliminate that concern by repairing or replacing flooring before you put a for-sale sign in the yard.
 
While You’re Down There . . .
Don’t forget to clean up your baseboards. They take a beating from holiday traffic and everyday wear, but it doesn’t take much to get them looking fresh again. Usually soap and water will do the trick—but a new coat of paint will really set them off.
 
Cabinetry Takes Center Stage
During the holidays, the kitchen is celebration-central. Since your cabinets are the most dominant feature in this room, they need to look great for both Christmas company and potential buyers. Start by wiping them down to remove splatters and water marks. If they’re looking especially tired, a new paint or stain job will work wonders.
 
And in the Bathroom . . .
The number-one priority for the bathroom is to look and smell clean. Repair any eyesores like chipped or missing tiles. Fix leaky faucets and reseal the toilet to prevent surprise leaks.
 
Find Out Exactly What Your Home Needs
If you’d like professional advice about specific repairs you need to prepare your home for sale, a real estate agent with experience in your market is a great source of advice. Your agent will know what buyers in your area pay the most attention to and which things they ignore. That way you can concentrate on repairs that will truly add value to your home.
 
Contact me at any time for a FREE consultation! stacia.ehlen@cox.net or 602-330-3379

Friday, November 22, 2013

Credit Score 101: How is Your Credit Score Determined and How Can You Improve It?

Your credit score is based on the following five factors:

Your payment history. (35% of your score)
It shows whether you make payments on time, how often you miss payments, how many days past the due date you pay your bills and how recently payments have been missed.
How to improve it: Make all your payments on time. The higher your proportion of on-time payments, the higher your score will be. Each time you miss a payment, you risk losing points.

Amount owed on loans and credit cards. (30% of your score)
It's based on the entire amount you owe, the number and types of accounts you have, and the proportion of money owed compared to how much credit you have available.
How to improve it: Smaller balances on credit cards can raise your score0 if you pay on time. High balances and maxed out credit cards will lower your credit score. New loans with little payment history may drop your score temporarily, but loans that are closer to being paid off can increase it because they show a successful payment history.  

Length of your credit history. (15% of your score)
The longer your history of making timely payments, the higher your score will be.
How to improve it: This simply takes time. It may seem wise to avoid applying for credit and carrying debt, but it can actually hurt your score if lenders have no credit history to review.

Types of accounts you have. (10% of your score)
A mix of accounts is the best.
How to improve it: If you only have one type of account, add another type when it makes sense for you. Installment loans, home loans, retail and credit cards will improve your score.

Recent credit activity. (10% of your score)
Steady credit activity is best.
How to improve it: If you've opened a lot of accounts recently, or applied to open accounts, it suggests potential financial trouble and can lower your score. However, if you've had the same loans or credit cards for a long time and pay them promptly- even after payment troubles- your score will go up over time.

Be sure to review your credit report annually. It's smart to stay on top of your credit report, and know what potential creditors are seeing. You can request a free copy of your credit report from each of three major credit reporting agencies- Equifax, Experian and Transunion- once each year at AnnualCreditReport.com or call toll-free 1-877-322-8228.
Review your credit reports carefully, as each one may contain inconsistent information or inaccuracies. If you spot an error, request a dispute form from the agency within 30 days of receiving your report.

Information taken from Wells Fargo Home Mortgage Newsletter, Fall 2013, Volume 10, Issue 4

Thursday, November 21, 2013

Ten Things You Might Not Know About Arizona

Arizona celebrated 101 years of statehood earlier this year.

Now as we approach our 102nd birthday, AZCentral brings you 101 things you may or may not know about the Grand Canyon State.
http://www.azcentral.com/news/arizona/articles/20131105arizona-101-prog.html