Real Estate Information Archive

- The most common types of fencing are wood, vinyl, and metal. 
 

- The type of wood you choose depends on your budget. Pine is inexpensive and treated to resist rot and insects. Different types of cedar and Douglas fir, on the other hand, is naturally resistant to moisture and pests and will cost more upfront. 
 

- Wood composites are made of sawdust and recycled plastic. It looks like wood and comes in many styles, finishes, and colors. Most manufacturers of composites offer a warranty on their products, making it a more expensive choice, but a long-lasting one. 
 

- Vinyl fencing is almost maintenance-free and comes in many styles. Costs are high initially, but its durability and little upkeep pay for themselves in the end. 
 

- Wrought iron, aluminum, and chain link fencing are all long-lasting choices. Chain link is likely the easiest for DIY, but the others would be best installed by a pro. Maintenance for wrought iron mostly consists of painting and keeping an eye out for rust.  
 

- If cost is not an option but security and durability are your concerns, there is the option to have steel fencing installed.  
 

- Hiring a fencing contractor is a smart move because they are knowledgeable about materials and styles that perform well in your area.  Installing fences is what they do; their expertise can save you money and time in the long run. 

Growing a lawn is labor intensive:  keeping it green requires large amounts of water and regular mowing. Gardening Know How has a guide for creating a meadow, growing ground cover, or ornamental grasses, all perfect solutions for going lawn-free. 
 

Faux grass--it’s not just for indoor sports arenas anymore. The industry has come a long way in the production of synthetic grass, and it could be the perfect solution for those in drought-prone regions, or for someone who simply doesn’t want to mow their lawn every weekend.  Depending on the size of your property, it can be expensive, but HouseLogic just might change your mind about installing fake turf! 
 

Drought-tolerant plants will thrive without a lot of water, obviously. You can find twenty-one plants listed here, with their USDA hardiness zone included. 
 

Every yard has its problem areas:  rocky soil, drainage issues, shady areas--these can all be planted with a little effort, and don’t normally need a lot of care afterward.   
 

Mulch is a landscaper’s friend!  One tip from the Love Your Plants website is to add at least two inches of mulch for it to be effective. Check their website for more information about using mulch to benefit your plants and cut back on keeping up the flowerbeds.  
 

If you’ve ever seen a hedge of hydrangeas in full bloom, you know how beautiful shrubs can be!  Hydrangeas are one shrub that doesn’t require a lot from you, and This Old House lists many more according to plant zone to encourage you to plant a low-maintenance hedge. 
 

A traditional flower bed filled with annuals isn’t necessarily maintenance-free, but using drip irrigation or soaker hoses under the mulch will certainly cut back the amount of time it takes for you to water them yourself, and use the water more wisely than using sprinklers or hose attachments. 

If you paid less than a 20% down payment, you are required to have Mortgage Insurance with FHA and USDA loans, while Private Mortgage Insurance is required with other lenders. In some cases,, these can be removed, and your mortgage payment will reflect the change. 
 

An Adjustable Rate Mortgage (ARM) has a set interest rate for a certain amount of time, and after that time is up, the interest rate will vary. When the rates change, your payments will, too. Learn more about ARMs from Investopedia. 
 

Changes in escrow are almost unavoidable. What is escrow? The Consumer Financial Protection Bureau’s definition: “An escrow account...is set up by your mortgage lender to pay certain property-related expenses.”  When property taxes or insurance premiums increase, your current payments won’t reflect that change, and that results in an escrow shortage. The shorted amount will be added to your loan payment, plus the new amount for adjusted increases. To avoid paying extra every month for the shortage, pay the amount in full as soon as you receive your annual escrow statement. 
 

What if you don’t have an escrow account on your mortgage, and you don’t pay your property taxes?  Lenders don’t want to foreclose on a home because of delinquent property taxes. To protect their money, they can add the amount to your current loan payment or open an escrow account for your loan. 
 

Homeowners insurance is a requirement when you have a loan on the home. If yours lapses, or you don’t have enough insurance on the house, lenders have the right to purchase a policy, called “forced-place insurance.” They will send you the bill for the premium, which is probably more expensive than your current payment.  

- Cabinets are on prominent display in your kitchen, and should look great.  Clean them up and give them a coat of primer and paint.  White, as well as neutrals like grey or taupe, gives a clean look and brightens up the space, and all work well with pops of color around the kitchen. Darker colors work best in large kitchens, and bright colors can be the star against neutral wall colors and decor. Click here for more cabinet painting tips from HGTV. 

- Refurbish with new cabinet doors.  This can be a little more expensive, but not as costly as replacing all of the cabinetry. You can even ditch the doors and use open shelving for a modern, clean feel. 

- Change out the hardware on drawers and cabinets.  Have an idea of what you want before you go to a home store to purchase the pieces, because there are so many choices available.  Classic styles are best if you plan on putting your home on the market. 

- Not only would it protect walls from liquids and grease, but adding a tile backsplash gives a whole new look to your kitchen. Thanks to advances made in peel-and-stick technology, double adhesive mats are strong enough for tile, and you can do this yourself with very little tile installation knowledge. This video from Ask This Old House shows step-by-step how to use this improved material and save time and money while updating your kitchen. 

- Give your sink a makeover simply by replacing the faucet and the handles. 

- Countertops dated and unattractive? Replacing them doesn’t have to be a big expense; some laminates look like the real thing and cost much less.  Styles include look-alike marble and faux granite.   

- Add a dash of style to cabinets with glass doors by papering the inside of the cabinet. Con-Tact© paper or any self-adhesive shelf liner is perfect for this small project.  Amazon carries many designs to choose from.  

- Installing a new light fixture can make a big difference in your kitchen, and doesn’t have to break the bank.  Look in thrift stores, consignment shops, or yard sales, and give an old fixture a facelift with some spray paint! If you’re unsure about installation, call an electrician or handy person to change the old to the new. 

- Use mirrors to fool the eye, because they reflect light and images. Hang one larger mirror on the main wall, several small ones, (gallery style), or even an oversized mirror leaned against the wall.   

- Painting walls a light color automatically opens up the space to the eye, because it reflects light.  Going all one color is a great way to make the room appear larger, too. 

- Get rid of clutter.  The more you have sitting around--mail, books, work, kids’ school things--the fuller your space looks.  Baskets, files or paper organizing gadgets, decorative storage containers, or furniture pieces that double as storage are the best way to hide necessary things.  Get rid of, (in other words, throw away or recycle), junk mail and unnecessary paper as soon as you look at it. 

- Draw an imaginary diagonal line across your room and place your furniture at an angle.  You even get a bonus storage area behind anything that covers a corner! 

- Pieces that are the same color as the walls blend in, making the room appear larger. 

- Either skip window coverings, or use sheer drapery or curtains and blinds that are the same color as your walls.  If you have to use drapes, hang them either at ceiling height, or just inside the window so the framework is visible. 

- If you want bookshelves, consider a wall-to-wall, floor-to-ceiling unit.  Draw the eyes horizontally and vertically. 

- Speaking of bookshelves, the less you have on these open spaces, the roomier it looks.  Cramming every collection, book, or “trinket” just fills up the space in a similar way that clutter does. If you must display sentimental pieces, display a few at the time.  Switching them out on occasion will also give new appreciation for them. 

- Choose sofas and chairs with exposed legs to allow to light to pass through underneath them.  The more light in your room, the better. 

- On that note, light is your friend.  If you can’t get more natural light into the space, use a few lamps instead of an overhead light, as it draws the eye to look around the room. 

- Keep patterns small.  Use a punch or two of larger patterns on pillows or throws, but not too many--remember--less is more. 

- If you need an area rug, don’t settle for a small rug under the coffee table.  Purchase a rug that extends out from the furniture, as it will draw the eye out. 

- Create a focal point with framed pieces on one wall, especially behind a sofa, and extend the arrangement to the ceiling, and it will make the space appear taller.  It will also add pop and take away from the room’s size.  

- Drop-leaf tables or dining tables with the extra leaf removed work best in small areas, and if you need more tabletop space for guests or for workspace, simply add the leaf. 

- Paint--doing this before having to work around furniture and boxes makes the job go faster. 

- Clean everything, including carpets if you plan on keeping them. 

- Add storage to closets or utility rooms. 

- If you’re planning on upgrading the floors, do it before you get everything in the house. 

- Check the attic to make sure it’s adequately insulated.   

- Change the locks!  Every door should get a new lock, including the garage door. 

- Clean the ductwork and vents of the heating and cooling system.  If you’d like a deep clean, call a pro who specializes in cleaning HVAC ductwork. 

- If there’s a fireplace, have it inspected to be sure it’s safe and that the chimney is clean. 

- Find the circuit breaker box, and familiarize yourself with the switches.  If you can’t read the labels, turn each switch off and on to see what areas they control, and label them.  This is also a good time to locate your water main shut-off, so you’ll know where that is. 

- Making major changes too soon isn’t a good idea, unless necessary.  Live in your new home for a while and get a feel for what you love and what you don’t love. Waiting to remodel will allow your finances recover from the down payment and closing costs, as well. 

- You need to know everything that your homeowner’s insurance will cover, and what it won’t.  Make an appointment with your insurance agent to go over your information with them. 

- Taking a large tree down isn’t a good DIY project; this should be left to a professional, so call an arborist or neighborhood committee member to find out what you need to do if the tree is diseased or is a safety hazard. 

- Drilling or nailing into the walls of your new home is better done with a stud finder and make sure there isn’t any old wiring lurking behind the sheetrock.  There should be a setting on the stud finder for electric wires. 

- If your home is brand new, maintaining it is key.  But if you live in an older home, don’t neglect a monthly walk-around and make sure everything is okay.  You don’t want a small fix to turn into a major repair. 

- Saving money shouldn’t stop once you’ve bought your home!  Do your best to cut corners where you can, and continue the saving habits you got into while stocking away that down payment.   

- Throwing away receipts, new appliance user guides and paper work is a mistake.  Keep everything together in a folder labeled “Home Receipts,” so you can find them when you need them. 

- Don’t be a stranger!  Meet your neighbors before you move in; once you’re there permanently, it will be easier to invite them over for a casual get-together. 

- Check smoke/carbon monoxide detector batteries, and test the smoke detector itself to be sure it’s working properly.  If you don’t have a family fire plan in place, please create one and go over the plan at a family meeting. 
 

- Get your mudroom ready for wet Winter weather with plastic bins for shoes and boots, and extra hangers for cold-weather clothing.  Creating a mudroom near the entry your family uses most is easy with a sturdy indoor/outdoor area rug, doormats on both sides of the door, and shoe trays to store wet, muddy footwear. 
 

- Your air conditioning may still be in use, but have your furnace inspected and serviced now before you need it.   
 

- Walkway and driveway cracks should be filled and repaired while it’s still warm; the materials used for this job may not work as well once outside temps drop. 
 

- Clean outdoor furniture and leave to dry completely in the warm sun. When it’s time to store it, you’ll have one less thing to do. 
 

- Some plants are better off when you divide them in Autumn:  hostas, daylilies, Spring-blooming bulbs, peonies, and shrubbery are just a few that will be happier if divided and replanted now instead of in Spring.   
 

- What to do with all the garden trimmings and leaves you’ll be raking soon?  Create a compost pile!  You’ll save on soil improvements and fertilizer next Spring. 
 

- If you’re not ready to give up gardening to the elements, plant a Fall garden!  You’ll be rewarded with fresh greens and other vegetables for those slow-cooker recipes! 

- Portable generators are great for providing electricity to essentials:  lamps, refrigerators, freezers, fans or plug-in heaters. 

- Most are fueled by gasoline, and the tank must be filled as it runs, so there is a bit of labor involved.   

- The engines on portable generators are noisy (think lawn mower noise).   

- Generators that run via a solar panel are available, and the technology is getting better, but the initial cost is higher.  Keep in mind that you’ll save on fuel expenses in the end. 

- Prices vary with how many kilowatts you’ll need, and your budget should include enough for appropriate extension cords for each device you plan on connecting to the generator. 

- In order to provide power to everything in the house, including HVAC, a stand-by whole house generator is the best choice, as it will be connected to your home’s electrical system. 

- A stand-by system can be fueled with natural gas, propane or diesel fuel.  These types of units run more quietly than the portables and are fuel efficient. 

- Whole house units will cost the most, as they are ready to go almost the instant you lose utility power, require professional installation, and possibly local permits.   

- Installation should be done by a certified electrician, and some offer a package deal that includes the unit and installation in one price. 

- Testing the smoke detectors incorrectly:  sure, the battery needs to be checked, but so does the smoke detection.  Light a match, preferably a kitchen match, and blow it out, holding it next to the detector.  If the alarm sounds, great; if not, replace the battery.  You may need a new smoke alarm. 
 

- Using incandescent light bulbs:  LED and fluorescent light bulb technology is getting better aesthetically speaking, so the extra cost to replace your incandescent bulb will make up for itself in the end.  You won’t be buying new ones for at least one year, plus your energy costs will decrease. 
 

- Keeping the old thermostat:  replace it with a programmable, or even better, a smart thermostat.  You will notice a difference in your electric bill! 
 

- Not checking gutter guards:  gutter guards are great for keeping leaves, larger twigs or pine straw from clogging the gutters, but dirt, seeds, as well as other smaller materials can still get in and cause problems.  Check your gutters at least every six months. 
 

- Ignoring your roof:  just because you’re not seeing it up close and personal every day, doesn’t mean it doesn’t need inspecting occasionally.  Learn more about how to be kind to your roof here.
 

- Setting the mower to the lowest cut:  cutting your grass too far down can cause it to die.  It will not keep you from mowing less!  Cutting the grass 1-3 inches in length will keep it beautifully green.
 

- Planting trees close to the house:  small trees that can reach thirty feet in height should be planted ten feet or more away from your house, while taller trees need to be at least thirty feet away. 
 

- Watering the landscaping in the evening:  your way to relax after a long day may be gardening but giving your plants a drink in the evening can cause mildew and other fungi to grow.   

- Change all of the entryway locks, keypad codes, and make plans to get a security system set up. 
 

- Have utilities turned on in your name, as well as television provider and internet.   
 

- Deep clean the new house, even if it looks clean.  This job can be hired out, or you can DIY if time permits.  Keep in mind costs involved with renting any necessary equipment, as well as cleaning product expenses. 
 

- Plug in/turn on all appliances, to make sure they’re in working order. 
 

- Walk through the house to check for minor things that didn’t warrant repair by the seller. Having your copy of the home inspection in hand will help you find the problem areas that may need to be addressed before they get too big and too costly. 
 

- If you want update the home’s color palette with a fresh coat of paint, or do any other small improvement jobs consider getting them done before move in day. This will allow for the painting and repairs to be finished easier and faster before settling in with added obstacles.
 

- Typically sellers leave the window treatments, but in case they didn’t be sure to measure the windows. Allow for time and budgeting to purchase and install shades or blinds until curtains or shutters can be hung. 
 

- Let everyone know your new address:  relatives and friends, of course, but also medical offices, your employer, schools, and other important people that communicate by mail. 
 

- Create a homeowner folder to keep all of your important papers. Be sure to store it in a safe and easily accessible place. 
 

- Meet your neighbors!  Once you’ve moved in, introduce yourself and your family by hosting a front porch social, with light refreshments.  Slip invites in mailboxes and simply ask them to stop by to say hello.