Realty Vision


Posted by Realty Vision on 7/19/2018

Decorating your home as an adult can be a taxing task. Transitioning from a college student to a professional can take some time. Once you buy your first home, you may find that your tastes for decorating need an upgrade. Those old posters and funny magnets have got to go along with your more sophisticated lifestyle. The decor in your home should make you feel comfortable in your surroundings. You should express your own personal interests through the artwork thatís displayed in your home. 

Pieces of artwork shouldnít just be run-of-the-mill. You need something that will let your personality shine through. You can collect unique pieces in your travels, use personal photographs that you have taken, or simply find things that have meaning for you.


It can be sort of intimidating to dive into a more mature way of decorating but, it can be very rewarding. Youíll also learn a lot about your own style and yourself. Through this self-discovery, youíll find artwork that you can continue to grow with in your home. Below, youíll find some tips for choosing the right artwork for your home. 


Set A Budget


Buying artwork can be an investment. If youíre a new homeowner, you may need to hold back on getting expensive art for a few years. Set a limit for how much art you want to buy and what you can afford. There are plenty of ways to get decorating pieces for your home for less money. Many stores offer artwork that can add some character to your walls. Even if these arenít Picasso originals, they can certainly add some flair to the emptiness of a new house. Everything that adds personality to your home isnít hanging on a wall either. Your decor includes the small figures on your tables, statues, plants, and more.  


Have Goals In Mind


If you begin hanging artwork without some reason, your decorating scheme could end up being a disaster. Map out a plan for each room. Think of themes, colors palettes, and the vision for the space. You donít want to make a serious investment in artwork only to find out that it doesnít fit with your wall color or furniture. When choosing artwork, itís important to consider each room as a whole. 


Know That Tastes Change Over Time 


If you do invest in an expensive piece of artwork, know that it may not suit your needs forever. Thatís OK! You can always sell artwork and find replacement pieces over time. Itís not expected that whatever you hang in your home when you move in will stay there for the next 20 years! Artwork very much flows with our lives, so go with the flow.              





Tags: decorating   first home  
Categories: Uncategorized  


Posted by Realty Vision on 1/29/2015

Being a first time home buyer has it's benefits when it comes to financing. The Federal Housing Administration (FHA) has loans tailored specifically to you! Lower down payments and lower closing costs help newbies make the jump into home ownership. With a FHA first time home buyer loan you can get interest rates as low as 3.5%, which can really save money on the life of your loan and keep your monthly payments lower. Your down payment is also lower than a traditional mortgage; instead of putting 20% down, you can put as low as 3.5% down if you qualify. While a lower down payment will increase your monthly payment (since you are taking a loan out for more money), it will help with the burden of needing a large amount of money up front. With FHA loans you can also include most of the closing costs and fees into the loan, again helping with the money needed at the time of purchase. You can even add in the costs for repairing a home that needs a good deal of fixing up. Regardless, you will need to have enough money for the down payment, some closing costs, and inspection. Since you would be putting less than 20% down, FHA loans require that you also have private mortgage insurance (PMI), which is a percentage of your loan. This will be added to your monthly mortgage payment, and the bank will pay it out of your monthly. Being a first time home buyer probably means you need some help on getting through the process. The US Department of Housing and Urban Development (HUD) has housing counseling agencies that can give you advice on buying a home, avoiding foreclosure, and fixing your credit. You can find your local agency at http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm. Lastly, you can also find local buying programs to help with buying a home, including helping with your down payment at http://www.hud.gov/buying/localbuying.cfm. If you never thought you would be able to afford a house, think again. With programs out there to help you buy your first home, you could be moving into a place before you know it!




Categories: Buying a Home  


Posted by Realty Vision on 1/16/2014

You've been thinking about buying your first home and it is a very big decision. It is typically not a decision you make overnight instead you need to take the time prepare yourself. †Here are the basic steps that you should follow when it is time to buy a home.

  1. Ask are you ready? Home ownership is quite different than renting. It is a lot more expensive than renting. You will have added expenses and responsibility. There will be expenses like repairs, added utility costs, such as garbage and water, plus taxes and insurance related to your home. You will want to make sure to†have an emergency fund, before you purchase your first home.
  2. Shop for a loan. Your first step will be to get preapproved. Knowing how much you can afford will help you to look for homes within your price range.
  3. Figure out how much you can afford. Just because you are preapproved for a certain loan doesn't mean you can afford that in the real world. A good rule of thumb is to keep your mortgage along with your taxes and insurance between twenty five and thirty percent of your income. You don't want to be house poor.
  4. Use a real estate professional you can trust. †A good real estate professional will listen to your wants and needs carefully. It is important that you are also educated on the process of buying a home. A good real estate professional will help meet your needs while navigating you through the process and advocating for your best interests.







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