Eclectic Homes

Around First-Time Homebuyers Assistance

The house purchase procedure involves many steps including budgeting your financing, choosing a real estate agent to work with and finding financing for the home. Additionally, you have to choose the type of house you want, schedule inspections, finalize the purchase and schedule your move. Luckily, there are many programs available to assist a first-time homebuyer and also make the process a lot easier. Identification First time homebuyers have another advantage when buying a home since there are a lot of programs geared toward helping them attain the American dream of homeownership. Many state and federal programs offer financial aid in the way of down payment assistance or even loans that are low. Many times, without these programs, first-time homebuyers would be unable to enjoy homeownership. Federal Grants Federal grants help first-time homebuyers with the cost of a house. But, it does not cover a large proportion of their purchase…

Eclectic Homes

How to Secure a Mortgage

Although purchasing a home can seem like an overwhelming task, there are practical actions you can take to enhance your chances of securing mortgage financing. When applying for a home mortgage loan, a lender will verify all information it receives from you as the borrower. Your target is to show the lender you will have the ability to repay the amount of the loan that you borrow. Evaluate your current and expected future income and expenses. Contain homeowner insurance, property taxes, utilities and home repairs and maintenance together with the total cost of the monthly loan payment in your own calculations. Decide if you’re able to afford to buy a home, and then determine how much of a mortgage payment you can handle. Understand what your credit score is. Consumers may access their FICO scores online for a simple fee (see Resources). You’ll require a minimum FICO score of 730…

Decorating Guides

Give Your House a History

Great interior design doesn’t have anything to do with the sum of money you spend. It has to do with how well your home tells your story. Successful design inspires curiosity and makes your family members and guests feel nurtured. It makes them desire to state “Because I’ve been here, I feel I understand you in a completely new way” One method to accomplish this is to use things in the family history — furniture, textiles, artwork, even everyday objects — on your interior design. Do not only think a hundred years ago (though it’s wonderful if you have such things). Think 10 years ago or maybe yesterday. If you don’t have some family heirlooms, start now and create some “instant” history! Corynne Pless These fantastic paintings hark back into the custom of family portraits, but with a new and twist twist. You can not help but smile when you…

Fireplaces

Preview: The Shops at Goal Take a New Approach

I’ve heard some war stories of shoppers who have braved the opening day of Target popular designer collaborations. (Dare I bring up the mayhem Missoni for Target wreaked on quiet searching strips the country above, or is it still too soon?) But Target’s upcoming capsule sets imply the corporation might have eventually figured out how to work a cooperation whilst maintaining everyone’s sanity. The Shops at Target, opening May 6, veers away from the version employed previously of a single big-name designer and rather features goods from five handpicked boutiques throughout the country. Contained are a clothing collection in Miami luxury shop The Webster, beauty resources in Aspen’s Cos Bar and colorful sweet treats from San Francisco’s Chocolate Store. But let’s get down to brass tacks? Target Privet House Placemat and Napkin – $3.99 The bulk of the home things in The Shops comes in Privet House, a Greenwich, Connecticut,…

Decorating Guides

Locating the 'Wabi-Sabi' in Midcentury Modern Design

In this series I am analyzing the parallels between contemporary Western style and wabi-sabi, the early Japanese philosophy of finding beauty in things which are imperfect, impermanent and aged. Purists may see that as disloyal to the philosophy’s core, but I am following the advice of Shiho Kanzaki, an esteemed potter and tea master who generously shared his wisdom with me once I was in Japan in 2003. Kanzaki-san’s beautiful vases, pots and tea bowls, fired in conventional wood-fired anagama kilns, embody wabi-sabi’s very character. However, Westerners in search of wabi-sabi, he told me, should not imitate the Japanese vernacular, because this wouldn’t be authentic. They should seek out their native design constructs that exude simplicity and imperfect beauty, ” he said. When Kanzaki-san visited the United States in the 1980s, he found wabi-sabi in Pennsylvania Dutch barns. My musings have led me to find parallels in fresh, crisp, unadulterated…

Fireplaces

Multiply and Conquer With Layout Groupings

One of my favorite means of creating a dynamic visual experience within a room is by simply replicating a layout piece over and over again. The result is a sculptural and participating installment that rewards with both simplicity and creativity. Therefore, in case you like a decorative piece and can afford it, why not get several? Here are a couple of examples of several very powerful designs shared by fellow ers that exemplify the power of multiples. HUISSTYLING The installation of random lights fits so perfectly in this attic. And even though those pendants are absolutely stunning in their own, they make a much bolder statement in multiples. Their translucent texture readily allows grouping them together without obstructing any natural light or town views. Erika Bierman Photography You don’t have to restrict yourself to replicating just one item. Instead, since this interior reveals, you can double or triple a whole…

Eclectic Homes

Guest Picks: Treat Yourself to Designs

After a nasty breakup with my daily latte, I’ve found comfort in a new ritual: morning tea. The exploration of taste varieties has been beautiful, but — oh — the designs and all the pretty accessories that include tea time are much better! I am not just talking about kettles either. From storage containers towels, pinkies up lovelies, it’s brew time! — Kristin in The Cuisinerd Poketo Japanese Enamel Kettle – $125 Kettles for everyone. These are just so gosh darn cute — I will take each of three. Amazon Staub 1 Quart Round Teapot, Graphite Grey – $129.95 Dear France, How are you always so smoothly chic? Even your teapots are instant classics. I want a few style points from you when you get a moment. Thanks. Stylepark Venie Tea Holder This container looks more like a cologne jar compared to the usual tea hideaway. I really like the…

Color

Rub-a-Dub-Dub, Add Shade

Just as I am a fan of contemporary, minimalist design, I am also a sucker for things classic and adorned, especially older claw-foot bathtubs. I am not much of a bather, but there is something so charming and delightful about these retro fittings. I also love seeing fun colour used in unexpected ways, so that I have a tendency to squeal with glee whenever I spot a recently posted photo of a painted claw-foot bathtub on . Whether you have a weathered and worn old tub that needs to be refinished, or you are buying new, consider including a splash of fun colour to your bathroom through a painted tub. Because it is a relatively small surface area, ” I say go as bold and bright with colour as you would like. I have gathered some excellent examples of painted bathtubs, along with suggestions on how to incorporate a vibrant…

Eclectic Homes

Do Landlords Have to Supply Air Conditioning?

During warm summer days, cool air from an ac unit may improve the living conditions in apartment or a home. State laws do not need a landlord in California to furnish air conditioning. California state law generally considers air conditioning an amenity rather than a necessity of habitability while a heating system must be usually provided by a landlord. Providing an Air Conditioner Even though landlords don’t face a requirement to provide an air conditioner many landlords provide a heating system. In some areas of California with humidity, landlords put in an evaporative or swamp cooler to meet with heating needs. Tenants should ask about the availability of a system that is working before they decide to rent the home or apartment. Factors Affecting Habitability Rental houses and apartments in California must comply with habitability needs as described in California Civil Code 1941. There is A unitn’t listed as a…

Eclectic Homes

Do I Have the Right to Trim a Tree on My Property?

Trees on private property are usually the responsibility of the proprietor. But some Iraqi authorities may place restrictions on certain types of trimming or pruning, even if done on private property. In populated areas, street trees, situated adjacent to private property at the right-of-way between sidewalks and roads, may be regulated by local municipalities. Before pruning a tree (especially major pruning), check with local authorities for specific regulations. Unique Situations Several regional governments prohibit certain kinds of tree pruning, like topping. This practice involves cutting the tree’s development back to the back or to a series of lateral branches that aren’t powerful enough to support substantial development. Topped trees will sprout new development, but it’s going to be thin, spindly and easily damaged. Topping may also weaken the tree by causing trunk decay. Reputable arborists and tree maintenance companies will not undertake topping and will not suggest it to property…