Luxury upgrades to your home

One of the hottest and most trendy things you can do to your home is the outdoor space where family and friends can gather. 

This weekend is scheduled to be excellent with bright sunshine, gentle breezes, and temperatures in the low 70’s.  Oh, come on, isn’t Vermont spectacular in summer!  That was not a question.

Taking your living spaces outside to include decks, porches, and patios is one of the most popular things you can do to your home!  Take a look at today’s photographs and see:

How beautiful is your kitchen?

As you know we are spending a couple days looking at those very special and extremely cool things that you can do to add that WOW-Factor to your home. 

What do you think of today’s photograph?  Is that one beautiful kitchen?  Included within the photograph are some of today’s most popular trends, things like:

How about all those really great ideas!

For the next several days we thought it might be a good idea to talk about what is trending in home design.  What are the various features that are available?  Oh, sure we all know about hard-wood floors and granite counter tops.  But, how about some of the things that are out there as being very cool.  We thought it might be fun to take a trip through trending and inspirational ideas.

So, what’s NOT to do?

We get a lot of calls and inquiries about building a new home and it seems as though many must first sell their existing home.  Granted, today here in Vermont it is most definitely a “Sellers’ Market” but it is to your advantage to sell your home for Top-Dollar so that you can move on to your new home.  Right?

So here are a couple things that we are going to suggest you do NOT DO:

It is that time of year to think about AC

Yesterday was Memorial Day a solemn day of remembrance, a day when we pay tribute to those that have protected our freedoms.

Memorial Day is also the unofficial start of the summer season.  And, after we have given homage and respect for those that served we can think summer.

Summer typically calls for Air Conditioning.  For years we would always hear, “….oh, it’s Vermont, we don’t need AC!”  But lately we have all been spoiled and want Air Conditioning in our homes.  Ok, but which one do we buy?

Adjustable v. Fixed.

When you are thinking about a mortgage one of the really big and important aspects to consider is whether you pick an Adjustable Rate or a Fixed Rate mortgage.

As of today (5/23/2018) the current Annual Percentage Rate for a conventional 30 year mortgage is 5.066%.  Be careful, these rates are constantly changing so you must check with your bank to see what’s going on.  Based on a $250,000 mortgage the monthly payment would be $1,352 each month with a total pay-back of $486,776 at the end of the 30 years.

Oh wait……, here’s something you might not have known about PMI

We have had a conversation about PMI going on for a couple days but, I am wondering if this is a good time to talk about another Myth or Fairytale about mortgages.

Many people are convinced it is better to buy PMI rather than putting more money down as part of the down-payment.  The logic goes this way……….., “….it’s only a couple bucks each month and we get to hold on to some of our hard earned money.”  So, does that make sense to you?

Like everything else it all depends.  For example: