12 Things You Need to Know about Living in Orlando – Interior Home Design

Living in Orlando is an experience all its own. With Disney and SeaWorld parks, there is always something entertaining for your family and friends. But, Orlando is more than that. It also boasts its own ballet, opera, philharmonic, along with Bach and Shakespearean festivals.Visit the Beautiful Cultural Center

Moreover, lots of young technical professionals live in Orlando and they brought with them their new apps and tech startups. In fact, Scientific America and Wired named Orland as one of the top tech towns in the country.

The point is, there is much more to Orland than you might think! Here are 12 awesome reasons to live or visit and enjoy the extraordinary experiences Orlando has to offer.

Living in Orlando • What You Need to Know

1 • It’s a Party Town

If you like to let your hair down, there are plenty of opportunities to do so while living in Orlando. On the east side of Orlando, there’s the huge University of Central Florida. If you desire a young and vibrant atmosphere, you’ll fit right in with the college shenanigans and fun parties.

Party whle Living in Orlando

Down in Kissimmee, there are even more diverse choices for you to party. Enjoy anything from Caribbean and country music to everything in between. Furthermore, Universal Studios has Citywalk and there is also Downtown Disney. Not to mention, there are many bars and clubs throughout Orlando Proper to explore.

2 • Orlando’s Historic Neighborhoods

Lake Eola is wonderful

Drive around downtown, and you will see the beautiful older homes built around the turn-of-the-century. While you’re doing this, scout for a good place to park on the Fourth of July. The Lake Eola fireworks are impressive, so, pack up the picnic baskets, get there early and plan to stay all day.

3 • Hot Weather & Cooling Rain

Living in Orlando means hot weather

Yes, the weather is scorching and humid for nine months out of the year while living in Orlando. But that’s OK because there’s always a body of water nearby. By 3 o’clock every afternoon you’ll be asking, where are the rain showers to cool things down? Good thing it rains almost every day around that time!

4 • Prepare for Bugs

if you plan on living in Orland, you definitely need to purchase a supply of insect repellent and bug spray. Check out your local hardware store and get good advice on how to keep the pesky creepy crawlies off your body, out of your house and away from your lawn.

5 • Beaches All Around

Visit Cocoa Beach

Just a short drive and you’re going to run into a world-famous beach. Just so you know, Daytona Beach may be famous (especially with the bikers), but the Tampa area has some of the most beautiful beaches in the country — especially Caladesi Cove. Or, you can go to the closest beach on the coastline: Cocoa Beach.

6 • Is I-4 Really East to West?

The main highway is confusing. I-4 runs north to south, but locals tend to say go east on I-4 when you’re going to Daytona and west on I-4 to go to Tampa.

7 • Get Ready to Commute

Living in Orlando involves commuting

Consider moving to a place in Orlando that is close to your job, because traffic can sometimes be a bear with all the tourists. Note that it does rain a lot in Orlando, so make sure your tires and brakes are up to standard and all your car lights are functioning properly. In case you get stuck in traffic, it’s a good idea to bring some Audible books to entertain yourself until traffic starts moving again.

8 • Keep the Guest Room Ready

While Living in Orlando visit the Gators

Now that you live in beautiful Orlando, everyone will want to visit you. Two fun places to plan to take visitors is Gatorland and Legoland. Gatorland the best place to see alligators and crocodiles while staying safe! Please note that it’s a great place for the family but is probably better suited for the older kids.

On the other hand, Legoland is an excellent place to take children of all ages. Let your imagination go wild with all those Legoland characters.

9 • Diversity is Welcome

LGBTQ+ Pride in Orlando

If you’re LGBTQ+, you are more than welcome here in Orlando. You’ll fit right in and have a wonderful community to support you. This city is very liberal when it comes to gay pride, and there are revelries and celebration’s galore.

10 • Get Ready for the Move

As you’re doing your search for Orlando household movers, remember that movers are trained in how to get all your precious possessions into your home with maximum care, and minimum stress. The movers will also know how to protect your items from humidity and rain so that they stay in pristine condition.

11 • Higher Education Choices

The two leading universities, Rollins College and the University of Central Florida, are supplemented by excellent community colleges and HBCUs (Historically Black Colleges and Universities). If you are looking to obtain a higher education degree, Orlando has ample opportunity to do so.

12 • Golf is a Huge Pastime

Luxury Golfing in Orlando

Orlando has the most golf courses of any city in America. So, bring your best driver and plaid pants, because it’s always tee-time! There are also several tournaments held in and around Orlando throughout the year, so be on the lookout for tickets and info!

If you live in Orlando or are thinking about moving there, what are some other highlights you would like to do or see? Let us know in the comments below! Additionally, we’ve included some other interesting links below for your further enjoyment and information.

All Images Courtesy of Canva.

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Useful Wedding Invitation Etiquette Tips – Interior Home Design

These wedding invitation etiquette tips should come in handy if you or a friend have questions about your upcoming event. In the most basic design, a wedding invitation lets your guests know who’s getting married, and when and where the ceremony is taking place.

But there’s usually more to it than that and you most likely have quite a few questions about what to include on the invitations. So, if you want some of those questions answered, keep reading to learn guidelines to create and send this important invitation.

Etiquette Tips for Your Wedding Invitations

Useful Wedding Invitation Etiquette Tips

Registry Information on the Invitations?

In a word, no. Including registry information on your wedding invitations or save the date cards is too obvious and therefore, impolite. Instead, if you have a wedding website, include the information on that site. Place your website address on the invitation to direct your wedding guests there for more information.

How to Handle the “No Children” Issue

Children are great, and you may have a few close young relatives at your wedding as flower girls or a ring bearer. Still, you might decide you don’t want a lot of children at your wedding or reception. So, simply be clear that only those whose names appear on the invitation are invited. After that, if you receive RSVPs with children added, call them and explain that yours is not a child-friendly event.

Conversely, if too many of your invitees are unable to attend without their children, consider hiring a daycare provider for the event and set aside a room for this purpose. Then, be sure to let your guests know in advance that this is an option.

How Much Notice to Give

In terms of when to send wedding invitations, there truly isn’t a caste-in-stone rule about the notice. However, most experts suggest sending your invites six to eight weeks before your wedding, with an RSVP request of two to three weeks ahead of the big day for a final headcount.

To make the entire process as easy as possible, you might also order save the date cards, wedding invitations and RSVP cards from one company. For example, Minted.com features a wide selection, in addition to templates that will help you design your invitation.

Formal Useful Wedding Invitation Etiquette Ti

What About a Dress Code?

The simplest way to let your guests know about a dress code for your wedding is to include it right on the invitation. Whether you get married on the beach or are planning an informal occasion, add “casual attire” to the invite. Other options include “cocktail attire” or “black tie.”

Plus, the actual invitation that you select will also give your guests an idea of what the dress code is for the event. For instance, if you send out a foil-embossed invitation with gorgeous calligraphy, it will indicate a more formal wedding.

On the other hand, you may select a postcard style invitation with a cute photo and bright colors that indicate a more casual dress code.

Colorful Useful Wedding Invitation Etiquette Tips

You’ve Got This!

By keeping these tips in mind when designing, addressing and mailing your wedding invitations, the entire process will be much more fun than stressful. Instead, focus on the most important thing which is marrying the person of your dreams.

Do you have any other wedding invitation etiquette tips to add to these? If so, we’d love to hear about them in the comments below.

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Reasons Why You Want a Tracked Dumper at Your Construction Sites – Interior Home Design

The use of large equipment at every construction site is essential, especially the Kubota tracked dumper. One very good reason is that it’s usually required by governmental building departments. The second reason is that improves the management of daily activities during the construction of your home or larger commercial building projects.

To help you learn more about the Kubota tracked dumpers, we’ve brought you some interesting information about them. So keep reading to learn how you might use this useful piece of equipment for your construction projects.

Introduction to the Kubota KC70SL-4 Tracked Dumper

Tracked Dumper at Your Construction Sites

The Specifications

The Kubota is a leader of manufacturing professional equipment and tools for every construction task. They offer wheel loaders, mini-excavators, and also tracked dumpers. There are several models of tracked dumpers, such as KC70VHD-4, KC70H-4, and KC70HV-4. However, for this article, we will focus on the KC70SL-4.

First, the Kubota’s KC70SL-4 is fitted with a self-loading shovel. Additional basic facts for this product are listed below.

  • Engine output – 9.4PS
  • Maximum loading capacity – 700kg
  • Skip capacity heaped volume – 0,34m3
  • Minimum overall width – 758mm
  • Machine weight- from 580kg to 735kg

Want to Learn More?

If you want to know more about the Kubota’s tracked dumper presented in this article, then we recommend that you go online to find the dealer nearest you. They will tell you more about pricing and seasonal discounts. Kubota dealers are available in every region of Great Britain from London and Manchester to Inverness, Scotland tod Limerick, Ireland.

Meet the Highest Standards

If you are an owner of a construction company, you owe it to yourself to learn more about the Kubota tracked dumper. What’s even better is that all of Kubota’s products meet the highest standards when it comes to modern equipment at the construction site.

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What’s Happening This Summer in Asheville North Carolina? – Interior Home Design

Nestled in the heart of the Blue Ridge Mountains, Asheville, North Carolina attracts attention for its fun activities as well as its natural beauty. Enjoy dining, shopping, museums, and the town’s lively arts scene, or enjoy a hike on one of the nearby mountain trails.

Moreover, for those who crave the excitement of a city and the comfort of a small town, Asheville offers the best of both worlds. Here are a few of the many fantastic things to do there this summer.

Asheville NC Skyline at Dusk

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Asheville NC • Travel Destination

Visit Festivals

If you love outdoor festivals and events, Asheville is the place for you. Throughout the entire summer, the city hosts various arts and music festivals. First, check out Bluegrass music and square dancing at the Bluff Mountain Festival. Next, experience international food and dance at the Folkmoot International Festival. Then, sample delicious vegan food at the famous VeganFest. As you can see, there is always something to do in Asheville. The only challenge is saving enough energy for all the events!

Discover Abundant History

As one of the nation’s oldest cities, Asheville is home to a rich history for you to explore. Make your first stop a tour of the iconic Biltmore Estate. Built by George Vanderbilt II in the late 19th century, it sits on 8,000 acres and has 250 rooms. Amazingly, this makes it the largest privately-owned house in the United States. With its castle-like appearance, stunning landscaping, and famous winery, the Biltmore is undoubtedly one of the nation’s most unique destinations.

Asheville NC Biltmore Mansion Front View

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Although the Biltmore Estate is arguably one of the most eye-catching historic features, it is far from being the city’s only historic attraction. History buffs can also uncover Asheville’s past through a self-guided scavenger hunt. Or, you might visit one of the many museums in the city. Then,  tour Grovewood Village’s weavings and woodworking facilities. Finally, learn about Cherokee life at the Museum of the Cherokee or Oconaluftee Indian Village.

Relax in the Mountains

When it’s time to escape the hustle and bustle of the city, there are other options for you. In the mountains, there are biking trails, hundreds of waterfalls, or state park camps. Additionally, the Blue Ridge Mountains have every outdoor activity you can dream of including foraging tours, horseback riding, whitewater rafting, and zip lining.

Ashville NC Blue Mountains in the distance

With the perfect balance of nature and city amenities, another huge draw of Asheville’s surrounding mountain range is the easy and peaceful lifestyle. The hills feature several amazing homes that are located a convenient distance from the town but still boast breathtaking mountain views. Whether you are looking for a summer retreat or a place to call home year-round, Asheville NC Real Estate Agents can help you find the perfect location to experience all the joys of mountainside living.

No matter what type of fun pursuits you and your family enjoy, Asheville, North Carolina has something for everyone. If you have never had the chance to visit this incredible city, be sure to add it to your summer travel list. Set aside several days to take part in everything the town has to offer. You may just adore it so much that you never want to leave!

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8 Benefits of Hiring Movers in Queens NYC – Interior Home Design

If you’re thinking about hiring movers soon, here is some information you need to know. You might get close to moving day and realize that you have a lot more things to box, sort, and transfer to your new home than you realized. Hiring a moving company in Queens, NYC will make this transition period more comfortable and hassle-free. To help you decide, here are some benefits of hiring movers instead of doing it all by yourself.

Reasons to Hire Movers In Queens NYC

Hiring Movers Professional Two Men in Blue Overhaul Zippered Suits with Boxes and White Moving Van

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Less Labor Intensive

Moving entails a lot of strength and endurance to sort, box and lift all the things in your house. If you do it all alone, you might not meet your timeline. Additionally, hiring movers in Queens, NYC, like Imperial Movers, will spare you from long hours of packing and lifting. It also lessens the risk of accidents because these people are professionals with experience and training.

Timeline Tracking

If you hire movers, they provide you with a timeline that shows when they plan to finish packing your things and when they plan to transport them to your new place. Conveniently for you, it’s also up to the movers to get more workers on the job so they can meet the due date, if necessary.

Inventory Tracking

One of the common problems during moves is that some of your items are not packed, or worse, boxes containing your things get lost during transport. The moving company will provide you with a complete inventory of all the items they ship for you. This will help you check your items before and after the move. It will also come in handy if there is a claim due to damage to your items while in transit.

Secure and Insure

If you opt for a DIY moving, you’ll risk damaging your heavy equipment, expensive furniture, and antiques. That’s because very few people know how to secure these things properly. Moving companies train their staff in these kinds of tasks so that they move your things safely. Moreover, all your items will be insured in case of accidents that occur during the moving process.

Hiring Movers Professional Two Men Unpacking TV in Living Room

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Extra Equipment

Sometimes, manual labor alone is not enough to get the work done. Especially if you’re dealing with big homes, businesses or small companies. However, a professional moving company provides additional equipment to make the process easier. Small forklifts, dollies, and heavy duty ramps are available when needed if you hire a moving company.

Fewer Expenses

You might think that hiring movers from a professional moving company is expensive. However, if you add up everything that it takes to make a move successfully, you will see that it’s easy to spend more than if you hired professionals. Simply checking your moving quotes to be sure everything you need is included is a lot easier than doing all the work yourself.

Navigation Skills

Hiring professional movers make it easier for you to navigate from your old place to your new home. They have the ability to determine which roads to take to transport your items easily and safely. You don’t need to worry about getting lost along the way or having to navigate unexpected detours.

Storage Options

Whether you downsized in space in your new home or need to store your household and stay in a motel while your house is being completed, storage is sometimes needed during and after moves. Interestingly, moving companies offer short to long term storage depending on how long you want your things to stay with them.

Hiring Movers Modern Office Wrapped Up and Ready to be Moved

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Conclusion

Hiring movers in Queens, NYC have more benefits than doing it all on your own. Professional movers have the expertise, experience, and proper training to perform with excellence in their jobs. When you trust them to handle your valued items, it gives you the peace of mind that your things will be delivered to your new home safe and sound.

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How to Prepare for Car Relocation Services When You Move – Interior Home Design

Moving is a hassle, and a move across long distances is no easy task, especially when you have to have your car moved as well. However, for car relocation in Australia, you will find that with a little assistance from the right people, the process is surprisingly streamlined and straightforward.

Additionally, it’s good to know the basic preparations you need to make prior to handing over the car to the transportation company. Therefore, I invite you to continue reading to learn how you can prepare for an interstate move for your car.

Car Relocation Services • What You Need to Know

Car Transport Services Sports Car Loading

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Start With The Basics

First, here are some tasks to read, prepare, and check off before you relocate your vehicle.

  • Make sure that the car is in top working condition before handing it over.
    • Be certain that your warning lights work.
    • The car should have no major leaks that could lead to problems on the road.
    • Ensure that you have a fully charged battery.
  • Check the tire pressure to ensure that the tires are properly inflated.
    • Check your owner’s manual for the right tire pressure.
  • Remove all non-permanent car attachments.
    • Lower your antennas.
    • Make sure than canopies are either removed or are bolted down on trucks.
  • Remove all loose items from the vehicle and make sure to clean both the interior and exterior of your vehicle.
    • Cleaning your vehicle will make the relocation process easier on both you and the transportation company.
    • Any items left in the car are not covered in case of loss by the transportation company.
    • Items left in the car might cause damage to the interior of the car during transit.
    • A clean car makes it easier to notice dents, scratches or stains during the auto transport preparation inspection.
  • Check with your transport company to be sure the right amount of fuel is in the vehicle.
    • Some stipulate no more than 1/4 tank at the time of transport, because of the safety hazard.

Check the Climate of Your Destination

Car in cold snowy weather

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You will also prepare your vehicle for the geographical location and subsequent climate of your destination. This includes preparing or weatherizing your vehicle with antifreeze or specialized windshield wipers. What’s more, it helps prevent damage en route or any trouble with operating it after it arrives at your new home.

Also, ensure that the vehicle will pass an emissions test which might be necessary at your new location. Depending on the requirements of these tests, you may even be able to complete this step before the vehicle is shipped. This step is important to avoid unpleasant surprises. So, be sure to check your insurance and licensing coverage to make sure that both are in order for the final destination.

Find A Reliable Car Relocation Service

It helps to shop around and find the most appropriate car relocation service for your needs. Make sure to contact at least three companies to get some estimates. Ask about how your vehicle will be transported, whether it will be dropped off right at your door, and how long the process will take.

Get the car inspected before handing it over to the relocation service to ensure you are covered in the event of a loss. Make a record of any existing damage to compare with the vehicle after it has been delivered. Often, transportation companies will offer some degree of insurance should anything unfortunate happen. However, you are also able to purchase additional coverage from an insurance company if this is not to your satisfaction.

Bon Voyage!

Car move to new home happy family van

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With the right preparation and care, handing your vehicle over to the transportation company will be straightforward. Don’t make the process more stressful than it has to be and avoid any unpleasant damage or other surprises you could encounter along the way. With your vehicle safely on its way, you just need to say goodbye and look forward to getting to your new home.

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Entertainment Systems that Enhance Your Interior Design – Interior Home Design

If your family enjoys entertainment systems, you will be pleased to know that many audio and TV companies are stepping up their game to design truly eye-pleasing electronics. That’s good news for interior design because you don’t have to sacrifice looks for excellent components.

Some companies design retro or futuristic twists into their entertainment systems which gives the consumer aesthetics that were not available before. These systems don’t just deliver top-of-the-line performance – they also enhance your home’s interior design. Here are some of the newest pieces of technology that can add flair to your home.

Top-performing Entertainment Systems with Design in Mind

Audio McIntosh

McIntosh creates powerful amplifiers for home audio systems – and they have been doing it for 75 years! These machines are stunningly beautiful. Most of their equipment is analog, using vacuum tubes in their amplifiers. The vacuum tubes are sometimes exposed, making them look futuristic and slightly alien-like. This is the perfect company music lover with an eye for design.

Entertainment Systems Mcintosh Amplifier and Speakers Modern Design

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McIntosh also makes receivers, speakers, and turntables. Additionally, they create record players for a vintage sound that look like they are out of a time machine. You are sure to stand out with any piece of audio equipment from this company.

TV  Samsung

Samsung is on a role with some breathtaking TVs and monitors. Not only do they create some of the most advanced picture quality, but the actual design of the screens are also beautiful. The picture uses new 5k technology and has the widest color gradient on the market.

Entertainment Systems Samsung Smart TV Curved Screen Happy Family Watching

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Samsung creates curved screens to make an even more compelling viewing experience. When you watch a movie on a curved Samsung screen, it makes you feel like you are a part of the movie! They also have some of thinnest displays on the market and have started to develop screens with virtually no border. This makes the TV look like a mere sheet of glass which makes a Samsung TV is a must for the contemporary interior design.

Speakers  Klipsch

Klipsch not only makes some of the highest quality sound equipment on the market, but they also have designs that can fit any theme. They have systems that are more futuristic, as well as timeless classic models made of wood.

Entertainment Systems Klipsch Speakers

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Almost all of their standing speakers come in a variety of colors. Klipsch has a match whether you are going for contemporary, minimalistic, or loud eye-popping designs. This is indeed a brand that does not sacrifice design for quality products. For the musician or music aficionado, Klipsch is a trusted brand and creates speakers of every size. This is definitely a brand to check out.

Home Automation  Control4

To put the cherry on top, look into Control4 automation. Control4 can turn your home into a smart home and allows you to control all of your entertainment equipment from one remote or even from your phone. This will certainly impress your family and guests. Also, according to one Ohio new home developer, when you add smart integration to your home design, it makes your home more valuable.

Entertainment Systems Home Automation Control4

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Home automation can allow you to even control your garage, lights, appliances, and security systems. You can also control them all from your voice device like Amazon Echo or Google Home.

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Denver Real Estate Rental House Market: 6 Tips to Attract Long-term Tenants – Interior Home Design

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    5 Tips for Welding Without Mistakes – Interior Home Design

    People often believe themselves capable of far more than is realistic and this is something that is certainly true when it comes to welding. The art of welding comes in handy for any homeowner. Just think of all the projects you’ll be able to do such as doors, planters, trellises, landscape edging, stairs, gabions, and other projects.

    However, if you’re new to welding you should know that the risks can be serious. That makes it important to be aware of common mistakes to avoid. If this is something you’re interested in learning, here are some tips to help you along.

    Welding Without Mistakes

    Welding Know Your Metal Properties

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    Cleanliness is Next to Godliness

    For the achievement of effective welds, it is of paramount importance that the surfaces are absolutely clear of any contaminants or imperfections. Anything on the surface such as oil, grease, dirt or rust that is not fully removed might contaminate the weld, leaving it unsatisfactory. The time spent in proper preparation is as important, if not more so than the time actually spent welding.

    Know Your Metal Properties

    A common mistake made by new welders is in their knowledge about the properties of their chosen metal. For instance, you need to know what the base metal is made of, and how it will be affected by the weld. Too little heat is going to result in an imperfect bond, while too much can seriously weaken the structure and integrity of the weld.

    Use The Right Equipment

    Having the right equipment with the right settings for the job is vitally important. Companies involved with welding hire in Melbourne normally offers to provide on-site training.

    Welding Connection and Filler

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    For one, while it is essential to have the correct temperature settings, never try to change it on a stick welding machine while it is under load. This runs the risk of electrocuting yourself. Cycle and polarity settings need to be properly set, which you one of the skills you will learn at an on-site training.

    Metal and Weld Condition

    All metals have certain limitations, which a welder with the right experience welder recognizes instantly. Once it becomes weakened there is a point where welding is not going to be capable of solving the issue.

    When a piece of metal has broken more than once in or around the same place, reinforcement is probably necessary, before you have any real chance of a permanent solution.

    Electrodes and Technique

    Lots of problems can arise in various circumstances from incorrect technique, such as the gun and electrode angle, the arc length and the travel speed, along with the push versus pull.

    Regardless of the welding process, the correct choice of electrodes and wires is vital. Use of the wrong ones has a negative impact on your results. You must also take proper care of them in stored containers that are moisture proof. Expert advice is always available, so use it as the best way to avoid costly mistakes.

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    3 Mortgage Options for Houses that Need Structural Repairs – Interior Home Design

    Houses in need of repair are a good choice with the right mortgage. Few people go for this option which makes them less competitive in the housing market. This is because a fixer-upper requires more work, time and resources than home ready houses.

    Whether you are an investor or intend to occupy the house yourself, the search for mortgages for a home that needs structural repairs is difficult. Conventional mortgage providers don’t like to finance substandard houses. In these cases, the seller has to make repairs or the buyer buys for its current value then gets a second mortgage to finance repairs.

    These are viable options, however, if the buyer nor the seller want to do the repairs up front, there are other mortgage options. I’ve listed below, three different mortgage types that loan you the money for the house and the repairs, and do it all in a single loan.

    3 Ways to Purchase a House that Needs Structural Repairs

    FHA 203k Loan

    Mortgage 203K Loan

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    Federal Housing Association (FHA) is a US government insured mortgage that is designed to help people who may not qualify for conventional home loans. 203k loan is guaranteed by FHA. This enables qualified lenders to offer it since the risk involved is covered.

    The purpose of the 203k loan is to provide a single mortgage loan that caters for acquisition, repairs, and improvements. The total amount of the loan is calculated as per the projected value of the house after repairs.

    The following types of homes qualify for 203k;

    • 1 – 4-unit homes, as long as the owner lives in one of the units
    • Homes built after 15th June 1976 and have not been moved from their original place
    • FHA approved homes

    To qualify for this loan, you need to have a minimum credit score of 580 and be able to make a down payment 3.5%.

    •   FHA 203k Loan Resources

    Not every lender qualifies to give this specific loan. The Department of Housing and Urban Development (HUD) maintains a database of approved 203K loan lenders. The list is up-to-date with lenders who currently offer rehab loans.

    There are discouraging stories about the 203K loan. FHA loan experts say this is because many buyers do not work with qualified rehab loan lenders.

    To ensure the 203K loan is sufficient, licensed consultants and contractors are hired to do the work. The consultant is required to approve the plans and repairs before any payment is made. This protects both the buyer and the lender.

    Fannie Mae – HomeStyle Renovation Loan

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    If FHA does not work for you, consider borrowing from HomeStyle Renovation. Financed by Fannie Mae, HomeStyle Renovation loan gives a single closing mortgage which combines purchase and rehab in one loan.

    This makes a perfect choice as opposed to the purchase of a structurally faulty house in its current value and then take out a second loan to fund the repairs.

    HomeStyle Renovations loan finances up to 75% of the home`s appraisal value once the renovations are complete. The loan amount includes the cost of purchase and upgrade, which means the buyer makes one monthly payment.

    •   How It Works

    This renovation loan is available to owner-occupied homes and small buy and holds investors. It is offered through a list of approved lenders which can be searched via nation21loans.

    It has a flexibility that helps transform a substandard house into a perfect home. For example, you can update older homes, design home improvements or construct additional spaces like the basement.

    The lender allows upfront withdrawers. This helps to pay contractors and ensure renovations start as soon as possible, minimizing out-pocket expenses.

    If you think HomeStyle Renovation loan will work for you, get in touch with a licensed lender to see if you qualify for it.

    USDA Mortgage Loan

    Mortgage USDA Loan Requirements

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    The US Department of Agriculture provides a home loan for low-income earners from rural areas. It is aimed at helping them actualize the American dream of owning a home.

    The USDA mortgage loan allows structural repairs under its home improvement loan and grants. In January 2018, USDA updated its guidelines on home repairs and escrow agreement.

    The repairs include but not limited to flooring, roofing, plumbing, air conditioning or any other type of repair that does not affect the liveability or safety of the home.

    For USDA, repair costs should not exceed 10% of the proposed loan amount. At closing, repair money is taken from the loan and put into an escrow account. The requirement is that repairs are done by 30 days after closing and a contractor invoice is required for payment to be made. This ensures repair money is not diverted to other expenses.

    What makes USDA Mortgage an excellent fit? 100% financing, zero down payment requirement and a low-interest rate of 5.62%. Perhaps this is the reason why in 2017, USDA helped 127,000 families buy and upgrade their homes.

    •   Who is Eligible?

    This depends on the condition of a property, location and income level. Rural locations are always eligible, but they must fall in areas classified by the Department of Agriculture as ‘rural’.

    USDA provides an eligibility map that helps buyers determine if they qualify. However, completeness of rural loan information in the eligibility map is not guaranteed. Buyers are therefore advised to talk to a USDA lender once they are ready.

    •   Evaluation of Repairs

    Regardless of which lender you settle for, each has guidelines to assess the extent of structural damage in each property. For example, FHA provides strict guidelines to evaluate the condition of a house before mortgage approval.

    Other government-sponsored loans like USDA will require FHA guidelines, others more or less. The smart thing to do is to consult an experienced inspector to carry out an extensive assessment. This ensures all repairs and home improvement costs are part of the total loan amount.

    Conclusion

    There are fewer institutions that give a mortgage loan on a house that needs structural repairs. But do not let this fact discourage you. It is possible to buy a not-so-perfect house and turn it into a beautiful home through a single loan.

    It is advisable to engage a qualified and experienced lender, consultant and contractor. Should you decide to use a broker, settle for one who understands the meaning of restoring value to a broken home. This might seem like a tedious process but it will go a long in achieving your goal.

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