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…