Showing posts with label for the home. Show all posts
Showing posts with label for the home. Show all posts
Showing posts with label for the home. Show all posts
Showing posts with label for the home. Show all posts

Affordable Home Mortgages

Can you Afford a Home Mortgage?


Have you been thinking of buying a new home or purchasing your first home but don't know where to begin? An affordable home doesn't have to be a pipe dream. Various government programs or housing non-profits like Habitat for Humanity are available to help even low income home buyers. Can you find an affordable home mortgage? Here are some housing tips to get you started.


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Can you Afford a Home Mortgage? Calculator


Purchasing a new home is daunting, especially if you're a first time home buyer with no or a low credit score. There are many resources out there for financial counseling that can help guide you on the path to home-ownership. The first step is knowing how much house you can afford. An online mortgage calculator is a great resource to let you now what to expect when it comes to your monthly mortgage. Plugging the interest rate and mortgage amount into a simple mortgage calculator is a good way to get started. This type of calculator doesn't include property taxes or other fees like mortgage insurance. For the best estimate on your future mortgage payment, you'll want to try out an advanced mortgage calculator.


Tips to Find an Affordable Home Mortgage


Residents of some rural communities are eligible for affordable, low-interest loans. These loans are available to people who live in low income areas. To see if your neighborhood falls within one of these areas visit the USDA income and property eligibility site. Many areas in Indiana fall within this category.


The Indiana Housing and Community Development Authority also has down payment assistance programs, programs to help you find low interest rates, and opportunities for tax credits. Visit the IHCDA to see what programs are available in your county.


Learn about the steps to home-ownership at Habitat for Humanity. To qualify for a Habitat home, you'll have to attend home owner courses, do several hours of sweat equity, and pass credit and background checks. Once you've completed the process, you'll be given a low-interest loan at monthly payments you can afford. The path to home-ownership is not for the faint of heart. A Habitat partner-family representative will lead you through the process and a qualified loan officer will work with you to insure that your payment is one that you can maintain long term.


Pathstone is another non-profit that focuses on housing counseling. PathStone offers housing education and counseling in locations in New York, Pennsylvania, Indiana, and Puerto Rico. If you're renting, delinquent on a mortgage, or wanting to purchase a new home, this program will guide you on the best steps to move forward. The counselors at Pathstone can even serve as your advocate through the mortgage processes mentioned above.


The Corona Virus was hard on housing. In 2020, the housing market changed and not for the better. However, there are many Covid Relief grants and special programs to help current homeowners bounce back from missed payments and loss of income. For those looking to purchase a new home, the news isn't as friendly. 


The shortage of affordable homes will get worse because the price of homes skyrocketed in 2020 and beyond. However, CNN has announced that the housing market will weaken in 2021. That may be bad for real estate agents, but it's good news for anyone looking to purchase an affordable family home.  If you are still on a tight budget and can't afford to buy a new house, you can temporarily rent apartments near Boston or other large cities while you work toward your long term goals.


Housing predictions for 2022.


Additional Resources:

Government Mortgage Information and Relief -Government guidance & support for homeowners

The Home Loan Expert - Indiana mortgage advice and expertise

How to save for a House - Actionable tips for buying your first home


Recommended Reading:

How to Apply for a Habitat House

The First Time Homeowner's Guide

Tips to Help you Settle into your New Home








How did Coronavirus affect the Housing Market?

 Has the 2020 Pandemic Changed your Living Situation?


When you work from home as a social media marketing consultant for small business and an online social media influencer, AND homeschool your kids, you can literally work from anywhere.  A few years ago, we took advantage of  that and bought a cottage in the middle of nowhere on a little lake. If I knew then, what I know now, I would've held out for more money when I sold it in 2020. Even so, for owning it just over two years, I made a little money on the deal. So, what's up with the housing situation anyway?


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How has Coronavirus affected the housing market.  People can live anywhere. Lake House Cottage.

Lake house, fixer upper, mid fix stage.


In 2019 the kids decided they wanted to attend public school to pursue building trades and band. As a anxious homeschooling mom, I wanted to feel comfortable with this choice, so we moved back to my hometown and we rented. Lucky for me, it wasn't real renting. My brother had purchased a rental and we moved in while I looked for a more permanent place to call home. Since everyone was out of the house, I decided to go back to working in a brick and mortar environment too and I took a job for Habitat for Humanity.


Then, I looked and I looked, and I looked. Rentals were few and far between and most of them were either outside of my price range or beneath my standards. Let me tell you, I had pretty low expectations, but I wanted my kids to feel safe. I tried to purchase my own home, but every time a place went on the market it sold before I even got a chance to look at it. What was left were the homes that no one wanted. The homes that couldn't get  loans due to major issues or the homes that were priced well over their appraised value. Though, I considered making the leap and purchasing one of these houses, I held out for a home that wasn't a fixer upper.  



How did Coronavirus affect the Housing Market? Looking for an affordable place to call home.


However, the home we bought, would've sold for considerably less in 2019, before the pandemic. In fact, the flipper had purchased the house at a 2017 auction for only $25,000. After looking at several houses that were priced outside of my comfort zone and not really what I wanted, I jumped on the opportunity to buy my home at $131,900. Sure, in most communities, that's a great price, but in my hometown the median home price is $85,000 and the houses in the neighborhood were going for considerably less. I needed to love this house for the purchase to make any sense. It was a risky move, will it retain it's value?


However,  despite the housing market situation, I decided to take a risk and make an offer below asking price. The homeowner countered, and I accepted. It was oddly easy, as most houses were selling over the asking price and this house had everything I wanted. Just before I closed, I found out that the house had been the place of a brutal murder. Probably should've countered the counter offer. I was the only one bidding. I'm not mad. I'm thankful to finally have an affordable, safe place to call home.


After the pandemic, the prices of homes in rural areas like New Castle, Indiana have skyrocketed. For those who are looking for 3+ bedrooms and 2 bathrooms, there's a housing shortage. Since Covid hit, more people are realizing they too can work from home. And they can live anywhere. So, they're abandoning high cost urban areas and retreating to rural communities where the cost of living is easier on the wallet and life is simpler. This means, rural areas can raise home prices and because rentals are in high demand with millennials, they can also raise the rent, pricing out low-income families. In turn, many affluent urban areas are actually seeing a decrease in rent as people flock to small towns. You can learn more about that in this article on how 2020 changed the housing market.


After reviewing the article, I took special note of what this is doing to low income families. Working at Habitat for Humanity, it is my job to help low income families find affordable housing and help remove some of the barriers to home ownership. With increasing cost of building materials and virus constraints, many area Habitat affiliates have had to put building new homes on the back burner. Families have had to wait for over two years for their homes to be completed, and Habitat affiliates are losing money and need to raise more funds just to complete the houses



Habitat for Humanity House. Donate to Habitat.


The chart below lists several counties neighboring the one where I live. If you aren't from around here, the data may not tell the whole story. However, Hamilton and Hendricks counties have some of Indiana's most affluent neighborhoods. Marion county is the home to Indianapolis, which has seen a slight increase, but compared to cities like Chicago and New York, Indianapolis is an escape to a more rural life. It appears the Coronavirus has changed the housing market. More and more people are realizing they can work from home, and that means that home can be anywhere they want it to be. There truly is no place like home, so why live in a house in a place that you don't love?


Affordable rentals in New Castle, Indiana.


We want to hear your thoughts! Have you moved or considered purchasing a new home in the pandemic? Tell us about it in the comments.



2/1/2021Delaware CountyIndiana$6003.30%$45,065114,135Small metro
2/1/2021Hancock CountyIndiana$7909.00%$69,39278,168Large fringe metro

2/1/2021Hamilton CountyIndiana$1,116-0.90%$105,062338,011Large fringe metro
2/1/2021Marion CountyIndiana$99621.70%$50,458964,582Large central metro

2/1/2021Madison CountyIndiana$79220.20%$55,142129,569Large fringe metro



This chart from Zumper tells the story with data.






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DIY Home Repairs, You can do it!

Solutions to these 3 Common Home Issues

While there is plenty of joy involved in becoming a homeowner, maintaining your home can prove a costly affair in many ways – especially if you have pets or children. Luckily, remedying any persistent home repair issue is easy when you know where to start. Here are some DIY solutions to the most common home issues that could pop up at any time. DIY home repairs? Yes, you can do it!


This post contains Amazon affiliate links.



DIY Home Repairs, You can do it! Common home issues you can fix on your own.

Damage to the roof 
If you're to prevent any lasting damage occurring on your roof, it's important to keep your roof shingles and your gutters in tip-top condition. Old and flimsy shingles can lead to nasty leaks, which can result in irreparable damage to your ceiling and the foundation of your home, while clogged, or broken gutters will not aid the water in flowing off the of the roof efficiently. The accumulation of water is certain to lead to the erosion of your roofing and, in time, significant leaking too. It can also lead to leaks in the walls and foundation, depending on your structure. The solution to this problem is to rope in the professionals to conduct repairs and to strive to call them back at least once a year to maintain the roof. That's how you can easily do it. If you want to do it yourself, check out the roof shingle repair video below. 



Don’t have the money necessary to get the job done and stuck with a bad credit history in your name? It may be time to consider loans for bad credit.  Sometimes, you just need a little extra help, right?

Clogged toilet
A clogged toilet can often mean the need to call on plumbers for assistance – which can tug at the purse strings. You'll probably be relieved to discover that there are a variety of other options available to you if you're trying to save your cash for other necessities. Of course, the first step is always to try your luck with a plunger. However, if that doesn't work, the next best thing is to try using some baking soda and vinegar. Yes, it really could be that simple!
Throw a cup of baking soda into the toilet bowl and leave for a minute or two. You can follow the baking soda with two cups of white vinegar. The vinegar naturally reacts with the baking soda, causing it to bubble – so add it bit by bit to avoid overflowing. Leave to sit once again for a few minutes before flushing the toilet. In many cases, the baking soda and vinegar concoction will be enough to loosen the clog and allow the water to move along smoothly. Bet you didn't know that! You can always try some Liquid Drano, but it's got a hefty price tag.

Need some extra help? Watch this video on how to unclog a toilet with a snake. You might not want, but you CAN do it!



Stains on your carpet
Whether your dog is the one responsible for the mud stains on your cozy woolen rug, or your youngest kid spilled juice all over the freshly vacuumed carpet, nothing can cause a homeowner stress quite like a bad stain on the carpet or upholstery! It feels so permanent. According to Wellness Mama, aside from using nasty chemicals to get rid of it, there are several natural stain removal solutions that you can try. For instance, you may choose to make a paste using warm water and baking soda. Apply it to the stain and leave to dry. Once thoroughly dry, you can vacuum up the residue, and the stain should lift along with it. If that doesn't work, watch the video on carpet stain removal below.






Now that you know how best to tackle the most common home repairs, there's no need to stress about these common home issues any longer, be confident that you can do anything you set your mind to do. Remember, you just need a positive attitude and some great YouTube videos on DIY home repairs!

Recommended:

Tips for Settling into your NEW HOME



Pin it!




how to fix common home repair issues you can do it youtube videos solutions





Keep Household Safe. Remember, Safety First!

How to Create a Safe Family Home


Your home should be a safe environment where you and your family can relax, unwind, and spend quality time together. Unfortunately, break-ins and accidents in the house do occur, which can leave families feeling anxious or unsafe. However, there are many simple things you can do to improve the security of your home. Here are some top tips to help you create a safe living environment for you and your family. 


This post contains Amazon Affiliate links.



New Parent Home Safety Tips for Kids


Advancements in technology mean that there are plenty of ways to upgrade your home security. For instance, there is now the option to wireless home alarm systems that offer automated updates, enhanced security, smart home integration, and Wi-Fi communication options that can deliver updates directly to your mobile phone or another device. Many studies have found that a home alarm system is one of the most effective deterrents to burglars and other criminals. Upgrading your home security system is, therefore, an excellent way to improve your security and create a safer family home. You can make your home even more secure by installing security cameras on your property. Security cameras have been shown to be another effective way to deter criminals from targeting your home, thus reducing your chances of having a break-in. Home security cameras also now come with several high-tech safety features, including night vision and motion detection.

Have work completed by professionals  

When your home requires repairs or work to be carried out, it is always best to hire professionals who have received enough training to do a safe and quality job. Doing things like installations and repairs yourself may save money, but you risk causing more damage or leaving your home in an unsafe condition during and after you have carried out the work. It is therefore always worth seeking the advice and skills of a trained professional, especially with risky or complex home jobs. Fortunately, you can easily find local professionals to complete tasks, such as expert washer and dryer installation by checking comparison websites online. These sites also give you the opportunity to find the best rates and read reviews from other customers. 

Install outdoor lighting 

Outdoor lighting is another effective burglar deterrent that will help you and your family feel safe when returning home after dark. Having sufficient lighting outside with also minimize the risk of people tripping or having other accidents when passing through poorly-lit outdoor spaces at night. You can also install motion detector lights in your front and back yard to make your home more secure. These will notify you if anyone enters your yard and will help deter criminals from targeting your home. 

Teach children how to stay safe 

It is crucial that you teach your children how to stay safe at home, and you should also test whether they understand the importance of this advice. According to childhood101.com - “Regularly role-playing different scenarios is one of the most effective ways to ensure that your child will act safely should the unexpected actually happen.” 


Here are some of the critical things you should teach your children to help them remain safe at home: 

  • Explain to your children that they should never answer the door to strangers. 
  • Make sure that your children know their full address, home telephone number, and parents names. 
  • Teach your children when and how to get help in an emergency - make sure they know how to call emergency services in your area. 

Check your front door 

Your front door is the main entrance and exit of your home, so it is extremely important. Burglars often target the front door and use this to access a property. For that reason, you should regularly check your front door for any weaknesses and ensure that it is secure at all times. You can easily enhance the security of your front door by installing a deadbolt strike plate. Or, you can improve any weak spots by using a doorway reinforcement kit.

Keep items stored away 

Having toys and other items left out around the house can cause accidents like trips and falls. Keeping your house clean and clutter-free will help reduce the likelihood of accidents and injuries occurring. What’s more, having expensive items visible through windows or left in the yard, could attract burglars and encourage criminals to target your home. You should, therefore, encourage your children to put their toys away when they are finished with them. Make sure that you also keep any valuable items out of sight and locked away where possible. 


Creating a safe family home is crucial, which is why keeping the tips above in mind is key. By creating a haven to relax and rest in, you can sleep easy at night, knowing no harm will come to your family. 

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Kitchen Safety Tips for Kids



How to Keep the Kitchen a Safe Place 


Thinking of doing a kitchen remodel? As parents, we need to remember to always put safety first. This is especially true when you have toddlers. Little ones often get into mischief, and you want to know that they’re out of harm's way. To toddlers and preschoolers, the kitchen is a magical place. When they wander into the kitchen, they also wander into an area that has several safety hazards. So, how do you keep the kitchen a safe place for your kids?


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kitchen safety tips for kids toddlers


Make your kitchen kid-friendly by paying attention to the small details. Ensure things like
fires, injuries from sharp objects, and slip and falls are avoided whenever possible. Below are some ways that you can help you  learn how to keep the kitchen a safe place for toddlers and adults alike!



Kitchen Safety Tips 



Invest in Good Lighting 

As simple as it may sound, having good lighting is a great way to make your kitchen safe for kids. When you have good kitchen lighting, you can see what you’re doing and reduce the risk of accidents. The fun thing about choosing lighting for your kitchen is that there are so many different types to choose. Good kitchen lighting should complement your interior design as well, as, give you enough light to use your space in all the ways that you want. We use our kitchen as our homeschool room, so lighting is a key factor. To modernize your kitchen for better safety, under cabinet lights often serve double duty as spotlight lighting for preparing food on the worktops, and as softer lighting in the evening when the main lighting is switched off. 


Keep a Fire Extinguisher Nearby 



Fires are a common occurrence, and because there are so many hazards in the kitchen, everyone should have a fire extinguisher in their kitchen. It has been said that over 150,000 fires take place in the kitchen every year, so you want to be prepared in case it ever happens to you. Place the kitchen fire extinguisher near your stove so that it’s easy to grab quickly. You’ll also need to learn how to use it, There are many online resources that teach how to use a fire extinguisher or contact your local fire station . Lastly, note that fire extinguishers have inspection dates that expire, so ensure that you’re up-to-date.  


Store Objects in Cabinets 



If you have sharp objects or ones that could harm your toddlers, you should put them into cabinets. This will ensure that they’re out of reach and minimize the risk of accidents. If you don’t have cabinets, or the kitchen cabinets that you have aren’t secure, you should install new ones. Cabinet Doors ‘N’ More sell quality cabinet doors; their replacement cabinet doors are made from solid woods, such as hard maple, paint-grade hard maple, red oak, and cherry. 


Slip-Resistant Flooring 


Slips and falls happen all of the time, but there are several ways to help prevent these kitchen accidents. The kitchen is especially prone to accidents like water spillage and cooking grease. So, you should get slip-resistant flooring installed in the kitchen. Some examples are wood with a flat finish, textured vinyl, or laminate flooring. Kitchen laminate happens to be somewhat easy to install and it's very durable. 


First Aid Kit 


In the event that an accident does happen, you should have access to a quality first-aid kit. Keep it in a cupboard, on a shelf ,or in your kitchen storage pantry for easy access. Some items you should have in your kitchen first aid kit include: bandages for cuts, dressings, and burn ointment. 


Whether you're giving your kitchen a quick makeover to make it safer for the kids, or a full kitchen remodel, we hope you find these kitchen safety tips for kids, especially toddlers, helpful. For more family activities and safety tips, please follow us on Pinterest.



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Get Kitchen Fire Extinguisher

Firework Safety Tips for Kids



Use Universal Design Elements to Decorate a Child's Room Perfect for Sensory Play Based Learning

Decorate Kids Room for Sensory Play Based Learning

Universal Design elements give children multiple means of inclusion in group settings and aid in learning techniques. Implement design elements into your child's room to incorporate play based learning. We're sharing tips to help you build and design a kid's room that is beautiful, fun, and educational. Enjoy!

Each child has a different learning style. Some children learn visually (visual), some learn by hands-on (kinesthetic), and some learn easily by lecture-style (aural). 

A child's room based on universal design incorporating sensory play concepts can aid in the learning process and can give your child a bright future.


well designed furniture for children's room aids in sensory play based learning
The smooth lines of this "rocking horse" chair help prevent injuries.


The concept of universal design, the brainchild of architect, Ronald Mace, began as a concept to design all products, spaces, and buildings to be both aesthetically pleasing and well functioning for everyone no matter their ability. 

Some principles of universal design include: 

  • Flexibility in use (The design complements a wide range of preferences and abilities.)
  • Simple and intuitive use (The design is easy to understand.)
  • Tolerance of error (The design minimizes hazards and unintended actions.)
  • Size and space for approach and use (Appropriate space for reach and manipulation whether right or left handed is incorporated in the layout and design.)
  • Low physical effort (Design can be used comfortably no matter your mobility/motor skills.)
  • Equitable use (The design is useful and marketable to people with varying abilities.)
  • Perceptible information (The design communicates information regardless of the user's sensory abilities.)

Stairway Bunk Bed
Stairway Bunk Bed.




This bunk bed may not allow for children of all abilities to sleep on top, but it is designed with a sleeping space for people of all abilities. The added element of a secret cubby for hide and seek, a reading nook, or just a private getaway space makes it perfect for sensory play. Children can climb to the top bunk and enjoy a spontaneous game of pretend Castle play.

Pretend Playhouse Castle Tent
Pretend playhouse castle tent.


Incorporate child size spatial elements to give your child a sense of security. A special place all their own is comforting and encourages imaginative play. Children learn by mimicking adults. Give them the necessary tools to explore. In a tent like this, the child becomes "big" which helps give their confidence a boost in contrast to the daily reminders of their diminutive size in oversized spaces and furniture designed for adults.

Castle Rug for Kids Room

Castle Rug for Kids Room.






A plush, comfortable rug like this one makes a good place for creative play. The rug is tactile, thick, and soft. The visual sense is explored in the elemental colors and shapes that connect to form a castle. 

When decorating your child's room, think of the five senses and add items that are functional, aesthetically pleasing, and sensitive to their sensory abilities.



Recommended Reading:



The Knight and the Dragon (Paperstar Book)*


Pirate Pretend Play