Outdoor Patio Paint Colors

The patio is dull as dishwater and needs more than colorful fresh chair cushions to create it during the season. Get out your paintbrush. It is possible to paint the ground, the walls, the furniture even the open beams overhead — to change the personality of your patio. Paints are designed especially for concrete which can be sealed to continue for years. Painted wood can change character along with your decor. The patio colors might function as a bridge from home to garden, or by your neighborhood to your dream destination.

The Palette Underfoot

Splash a little paint on the ground to transport your unremarkable patio to a more exotic place, for about the price of a shade or two plus a free weekend. Paint boring concrete to look like vibrant flagstone, elegant pavers or weathered brick, with outside flooring and patio paints and stamps cut from blocks of foam from the contours of flagstones or garnish. A little roller lets you roll a brick form and repeat the process till you have “bricked” the entire patio — and the course leading to it from the front part of the home or the garden. A wood or concrete patio becomes a giant chessboard or a carpet of harlequin diamonds using alternating coloured squares or rhombuses. If you are truly adventurous, you could paint an oriental carpet on the patio.

Walled-in

Walls encompassing or flanking the patio are canvases for making theater in your own backyard. Stucco walls painted terra-cotta, hot tropical pink, gaudy aquamarine or rich blue-violet are south-of-the-border and South Pacific. A beach-house patio is part of the coastline when it is covered with a frieze of sea stars, sand dollars, shells, stone and fish coral — using an octopus sprawled across the corner. A contemporary patio with stainless steel kitchen appliances is sleek and urban with neutrals or dull colors on the walls. Mustard, olive, gunmetal, bisque and mushroom reveal nature’s colours, or the palette of a few Mid-Century Modernists, turning your kitchen to an extension of the home.

Painted Planters

Ring the patio with large planters and paint them in layouts and colours to define your decor. Giant faux-weathered and peeling whitewashed urns evoke a country estate, planted with topiary shrubs. Low wood planters studded with cactus plants and waving grasses are as Southwestern as Santa Fe when you paint the timber in Native America patterns and colours. Low walls topped with planters in vibrant primary colours, double the impact of the riot of blooms growing from the planters. Faux marble planters, half-covered in trailing ivy, might have graced the marble patio of a Roman residence. Planters painted with chalkboard paint invite the emptying of every exuberant artistic impulse to a place which can be hosed down after playtime– no damage done.

Overhead Banners

The pergola or the arbor on the patio is created of a wood which won’t weather into a lovely shade of silver over time. That is no problem for you because exposed cedar or cedar isn’t the sole look to get a well-used patio. Welcome your guests below a rainbow of brightly painted beams which turn every casual meal to a festive occasion. Paint a true rainbow of colours, one to a beam, and hang windsocks with extended rainbow ribbon streamers at every corner. Go for something more eye catching and subtle and paint the overhead beams at the graduated ombre intensities of a single hue. Paint the picnic table among the shades and the chairs and seats that surround it at the rest of the selection of colors. Go for a classic patio from the Old World and reproduce Renaissance and Baroque designs over the corners that are open, including lots of twining vines and winged puti, and a great deal of metallic gold to shine in sunlight and in the lamplight.

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Should I Have a Solid Color Rug If My Sofa Has a Print?

The decorating rules have changed a good deal over the last 50 years. Previously, mixing patterns and prints was a decorating artificial pas, some thing to be avoided in any way costs. But now, interior designers blend patterns and prints efficiently, meaning that you don’t need to use a solid coloured rug as soon as your sofa is covered with published upholstery material. Even so, interior decorators do follow some basic rules when mixing prints, stripes and patterns.

Color Choices

Clearly, a solid color rug works with a sofa that has patterned or print upholstery, but only if the color ties the two together. Decide on a shade in the sofa that matches your decor colour scheme when choosing a solid rug. Neutral colored carpets — grey, brown, tan or beige — can work with most any print or pattern, but with a floral print sofa, select a less dominant shade from the print for your carpet. As an instance, a floral sofa print together with hints of yellow or ocher is nicely offset with a muted yellow or ocher rug.

Print and Patterns

For sofas with a geometric print or design, carpets with variegated stripes in coordinating colors create an intriguing design statement. As an instance, lime-green or orange-based prints or patterns unite strikingly with a carpet that has horizontal stripes of orange, muted green, sky blue and beige, with the stripes running toward the sofa. Pull one or more colours from the sofa to utilize in the area rug.

Form and Color Unity

It is possible to mix two patterns together if you keep your eye on the layout elements in the patterns and choose unifying colours. As an instance, a swirl-patterned two-color sofa in lime green having an sloping backdrop fits well with an area rug in neutral tones with a comparable swirled pattern. The off-white background of this area carpet ties it to the sofa through the off-white component. The patterns do not need to be a whole match, but the unifying colour and comparable pattern shapes tie the two together.

Other Design Elements

Keep your mixtures of patterns and prints simple. In case you have patterned or floral prints on your own window treatments, the room will look too busy if you have another print or print on the sofa and another in a room rug. Something in the scenario needs to go, or so the space will not be appealing or relaxing. Patterned or published window treatments can make the room appear overdone, so choose impartial based drapes instead to make the space feel unified.

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FHA Financing Requirements

The Federal Housing Administration (FHA) operates under the auspices of the U.S. Department of Housing and Urban Development (HUD) to cover mortgage loans issued by approved lenders. The insurance protects lenders when borrowers default on their loans by reimbursing a part of their reduction. The FHA protects its investment in the loans it insures by setting requirements for the homes and borrowers the borrowers intend to buy.

Borrower Qualifications

Any legal U.S. citizen who has a social security card and has attained the age of approval within her state is eligible for an FHA loan. Even though the FHA doesn’t set minimum income or credit requirements and may accept applications onto a case-by-case basis, it does anticipate borrowers to be creditworthy and have sufficient income to make their mortgage payments and pay their other bills. A borrower’s mortgage payment, property tax and homeowners insurance ought to be 31 percent of gross monthly earnings or not, and also the total allowable percentage — all monthly debt obligations as a proportion of gross monthly earnings — should be 41 percent or less. The purchaser should have a credit score of at least 580. Having a credit score of 620 or above, borrowers qualify for an automatic approval process.

Home Value, Safety and Habitability Standards

An FHA appraisal must be undergone by A home financed by an FHA-insured loan. The FHA appraiser decides the house’s market value and ensures that the house is secure and habitable. The borrower needs to pay a deposit of at least 3.5 percent of their cost and pay a mortgage insurance premium. The value of the house has to exceed the amount the borrower is financing and the deposit; if it doesn’t, either the purchaser should make up the difference with additional down payment cash, or the seller should decrease the purchase price. In the event that the home is uninhabitable based FHA standards, the FHA will make the loan conditional upon completion of repairs.

Lender Underwriting Process

Buyers trying to buy a home with FHA financing need to submit documents to their lender to show their creditworthiness and ability to repay the loan. The FHA requires the lender to check the borrower’s financial position, the origin of the cash that will be used to buy the home, and the way by which the purchaser plans to use the home; the purchaser must use the home as a primary residence. The lender makes these verifications by asking several months’ payroll check stubs and bank statements, also tax returns from the previous two years. Applicants will need to submit IRS Schedule Cs showing loss or profit . The creditors’ mortgage representative works to complete the forms required for processing and loan underwriting.

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The Section 8 Housing Act

The Section 8 housing action is more formally referred to as the Housing Choice Voucher Program. It was authorized under Section 8 of the U.S. Housing and Community Development Act of 1974. It’s aimed at procuring housing for low-income households as well as people. The two HUD (the Department of Housing and Urban Development) and the VA (Department of Veterans Affairs) have particular Section 8 programs meant to get home vouchers to veterans who are homeless or vulnerable.

History

Government-backed housing plans go back to the Great Depression of the 1930s. Back then, the issue was a housing crisis. Great numbers of people found themselves without work or a means to afford housing. The government renewed its attempts in the 1960s. Programs at the time were created to help with the construction of low-income home. The 1970s saw a shift toward subsidizing rents rather than building home projects.

Types of Programs

The first 1974 law comprising the Section 8 application comprised three separate sub-programs inside that section, which dealt with brand-new structure of low-income home. They also addressed substantial rehabilitation of such housing as well as getting qualified people into existing habitable home. Later additions to Section 8 comprised the actual voucher program that subsidized rents. It was added into the authorities in 1983. The voucher program is currently the main program within Section 8.

The Voucher Program

Subsidies for rent have always been part of Section 8, and Congress has taken good care to renew them whenever required. Under the program, eligible voucher recipients pay as much as 30% of their income for rent. The rest comes from federal dollars appropriated for these voucher programs. Vouchers can also be handled by municipal public housing authorities, or PHAs. All these PHAs follow regulations issued by national housing agencies like HUD.

Types of Vouchers

Section 8 vouchers come in two different types. The first is reserved to be used in specific apartment complexes managed by PHAs. They are referred to as project-based vouchers. The next are tenant-based, and they can be used anywhere in the private sector the tenant can find a landlord willing to take them. No private landlord is obligated to accept Section 8 vouchers.

Section 8 Asset Test

HUD looks at a Section 8 applicant’s earned income after making a decision of eligibility. The agency looks at bank accounts and any attention from these accounts in arriving at an income figure. This can sometimes increase the applicant’s share of the rent paid to your landlord or apartment complex. HUD also uses a reasonable market rent (FMR) standard. Landlords accepting Section 8 vouchers can not charge more than the FMR to the area.

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How Do I Search Public Records for Home Ownership?

Property transactions are public record, available to anybody needing information on a parcel. Available information includes worth, sales history, square footage, ownership and improvements. The county recorder and the county tax assessor’s offices assert real estate databases. The county recorder’s database includes all listed transactions, such as mortgages and other liens, while the tax assessor keeps a listing of appraised and assessed land values and taxes paid and expected. The tax assessor’s records are generally available online, at no cost, but the recorder database usually must be searched in person.

Visit or call the office of the county tax assessor or visit its site. Give a clerk the property address if you are calling or visiting in person, and ask for the owner’s name. Enter the address at the appropriate search box if you are searching online. The person or entity listed in the tax assessor’s system is usually the property owner, but not always. Look for the database to validate your findings of the recorder.

Input the title supplied by the tax assessor’s office into the”Grantor/Grantee” search box of the county recorder’s system. In case you do not have an owner’s name, search by property address. Look for the list of transactions for the most dated deed.

Open the deed and find the grantee. This is the owner of the property.

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How do I Find an Exclusive Buyer Agent?

An exclusive buyer broker is a real estate agent who functions only for buyers. The concept is to eliminate the prospect of a conflict of interest which may result from a broker representing both the buyer and seller. It is very important to note that typically, the private buyer broker is paid by the vendor’s broker, who collects the full commission from the vendor and shares it with the broker that actually made the sale.

Contact the National Association of Exclusive Buyer Agents (NAEBA), a national organization that sets standards of practice and ethics for exclusive buyer representatives, to get a listing of members who are employed in the area you’re considering moving to.

Contact the local real estate board at town or region you are considering moving to and ask a list of Accredited Buyer Representatives (ABRs). Agents that possess the ABR designation are not necessarily exclusive buyer brokers, but they do possess specialized training in representing buyers and they have completed a number of transactions.

Write a list of interview questions to the prospective brokers. They ought to be ready to have an exclusive relationship with you and not work for the vendor of a home you attempt to buy. Ask about their experience, including how long they have been selling real estate and transactions they have completed in the past year. Whenever you can, find you need to purchase. Also, ask how they will compile listings to show you. There are various sources besides the multiple listing service (MLS). A fantastic buyer agent additionally hunts newspaper classifieds, Craigslist and”for sale by owner” sites for properties not listed in the MLS.

Several agents in the association membership lists from phone or email. The brokers will have questions for you, also. Be honest about where you are in the process of purchasing a home. Inform them whether you are prepared to purchase today or planning to buy in the foreseeable future. They have got mortgage pre-approval will have to know whether you are currently working with another broker, or can show evidence of funds for a money purchase. Explain exactly what you need in a home and how much you are able to pay.

Note dates and the times of your calls and emails, and the brokers for. Cross brokers off your list who don’t respond to email or your voicemail within 24 hours. They might not work hard to keep it, if they don’t work hard to get your company.

Narrow the list of agents according to your impressions of their answers they gave to the questions, and to your queries you were asked by them. Make your decision from this list. Consider if you”clicked” with a single agent particularly, or believed that one was more knowledgeable than the others. If your mind keeps coming back to the same broker, that the right broker for you. If not, list their qualifications and choose the one with the credentials.

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Down Payment Assist for a Mortgage

When you secure a mortgage to purchase a house, your lender will likely ask that you set up 20% of their cost in cash as a deposit. This not only shifts some of the lender’s risk onto you, but also shows an attempt of”good faith” for your lender–if you can save up enough cash to cover the down payment, then you’re dependable enough to afford a mortgage. Unfortunately, millions of Americans may never realize their dream of being a homeowner since the sheer price of a deposit is much too prohibitive. For those who are ready to take on the responsibility of a mortgage, however, who just cannot afford the high cost of a 20 percent down payment, then there are other options.

Private Mortgage Insurance

Private mortgage insurance, or PMI, is the most common kind of down payment assistance for mortgages. With PMI, your lender agrees to give you more than the traditional 80 percent by insuring the remaining percentage for you. This comes at a premium, which typically equals three to six months of your mortgage payment up front. After you secure your mortgage, then you continue paying an extra PMI fee on top of your mortgage payment every month. Once you develop 20 percent equity in your house, your lender will probably drop your PMI.

Piggyback Loans

A”piggyback” loan is a secondary loan secured on top of your principal mortgage loan. Instead of financing the whole cost of your house with one mortgage, you can fasten two loans–one each to cover the deposit and your actual mortgage. The piggyback loan will probably come at a high interest rate (on average, 1.5 to 2.5 percentage points greater ) and last for an average of 10 years, versus the average 30 years to get a traditional mortgage. Nevertheless, your payments toward the piggyback loan are significantly less, as you’re paying back just between 5% and 20% of the cost.

FHA Loan

The Federal Housing Administration (FHA) provides government-insured financing for lower-income home buyers. You can procure an FHA loan via any FHA-approved creditor, and the FHA will guarantee your loan to reevaluate some of your lender’s risk at no expense to you. The FHA permits you to borrow up to 96.5% of their total cost of your house, reducing your down payment to as little as 3.5 percent. The property you select does have to satisfy the FHA’s eligibility criteria, however you can borrow up to an extra $35,000 through the FHA to put money into repairs if the house falls below the minimal requirements.

HUD Down Payment Assistance Program

The Department of Housing and Urban Development (HUD) provides additional deposit assistance for home buyers through the Down Payment Support through Secondary Financing Providers (DAP). DAP connects home buyers with secondary lenders, who provide financing to cover some or all of the expenses of your deposit. The concept resembles a piggyback loan, but the prices are lower and you can combine payments with your principal mortgage loan. However, you need to have an FHA-backed mortgage loan to qualify for DAP.

Down Payment Assistance Bond

A deposit assistance bond, also referred to as a DAP bond, is a government-issued grant which covers a part of a house buyer’s deposit. Many states now offer DAP bonds to non – and – middle-income families through their state housing authority. Grants are distributed according to economic need, however certain people –including military service members or law enforcement officers–may be given special consideration. DAP bond recipients can use just the money to cover the down payment on a single-family residence, but they don’t have to pay the bond back. Contact your state housing authority to find out whether your state provides a DAP bond and also to learn more about the app.

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Mortgage Foreclosure Advice

For it can be among the most stressful experiences of their lifetime. Their single biggest investment is in danger of being removed from them. If you face foreclosure, you ought to be aware that there are things you can do until it gets that far. In addition, after in foreclosure, there are things you can do along with people you can speak to so as to ensure your rights are protected during the process.

Talk with Your Bank

The U.S. Department of Housing and Urban Development (HUD) and the Federal Trade Commission recommend talking to your mortgage lender as soon as you fall behind on your housing payments. HUD urges opening all email and accepting all phone calls from your creditor, especially if your house ends up in foreclosure, because at that point important legal information will be coming your way. As most lenders are willing to assist you work out payment plans that will help you make the mortgage current, but, before foreclosure begins, opening up a dialogue with your creditor can be helpful.

Talk to a Counselor

HUD offers a database of foreclosure counselors that are licensed through a link on its website and trains foreclosure housing advisers nationally. These advisers are certified to provide you advice on a selection of housing problems, including foreclosure. Plus, there are counselors specifically certified to offer advice. The Home Ownership Preservation Society is one association with HUD certificate. HOPS cited a 2009 Urban Institute Study that found that are 60 percent more likely not to lose their property.

Hire a Lawyer

Depending foreclosure is a judicial or nonjudicial process. In California, the majority of foreclosure cases are nonjudicial. Either foreclosure is a process and it can be hard to comprehend. Hiring an attorney can be a valuable asset during the foreclosure process. Your attorney will help make sure your rights are respected and that your creditor follows the principles during the foreclosure process. Check to find out if your local, county or state government offers legal solutions for homeowners in misery.

Determine Your Choices

You might determine that you have more choices than just letting your house, by talking to an attorney or to a housing counselor. Read your whole financing agreement to find out what your creditor can do if you do not make payments. Talk with your lender about repayment choices like forbearance — as you catch up in which payments have been suspended for a time and loan restructuring. See if purchasing the house is an alternative. You could also surrender the house, transferring the deed instead of foreclosure. Lenders will accept short sales, or revenue that don’t pay the whole quantity off. If your foreclosure is due to unpaid bills, job loss or other problems bankruptcy might be an alternative.

Avoid Scams

The FTC warns that there are companies out there willing to make the most of homeowners facing foreclosure. Anyone calling himself a foreclosure prevention specialist and calling you ought to be thoroughly checked out, especially before you provide him any details. He could use that personal information to steal your identity. A clear warning sign is if he asks for money for his or her services. The two HUD and FTC recommend. Another scam includes selling your home to someone who offers to let you rent it, and then buy it back, and then evicts you. Also, some scammers will change what you think is loan paperwork along with the title of your home, tricking you.

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How Often Can a Prime Rate Change?

The prime rate is an integral interest rate that’s published daily from the pages of the”Wall Street Journal,” an authoritative resource for financial news, stock exchange prices and financial statistics. Banks, credit-card companies and other lending institutions use the prime rate as a benchmark for the interest rates they charge clients. As a result, the prime rate is among the most important indicators of the cost of borrowed money.

History

The prime rate represents a survey of prices charged by lending institutions to their credit-worthy clients. The speed was initially published in 1947, as it stood at 1.75 percent. Since that time, the accumulative average prime rate has attained 9.842 percent. The maximum value was 21.5 percent, attained Dec. 19, 1980.

Considerations

The”Wall Street Journal” conducts periodic polls of 30 large banks to achieve the”consensus” prime rate. In general, the prime rate changes with all the federal funds rate ascertained by encounters of the Federal Open Market Committee of the Federal Reserve Board. The fed funds rate is the rate charged by the Federal Reserve to banks for short term borrowings, and it’s corrected as the market contracts or expands.

Frequency

FOMC meetings take place every six weeks. If the FOMC decides on a rate increase, the gain in the prime rate published by the”Wall Street Journal” will follow, as the prime rate normally monitors the fed funds rate at 3 percentage points over that speed. This is a guideline that has been used for some time by important U.S. banks.

Significance

In August 2010, the prime rate stood at 3.25 per cent, a relatively low amount in its history. The fee is used to determine interest charged on credit cards, for home-equity loans and lines of credit, unsecured loans, car loans and a few adjustable-rate mortgages. Lenders charge a”margin” over and over the prime rate to arrive at the prices they charge customers.

Advantages/Disadvantages

An increasing prime rate makes it more expensive to borrow money and thus more difficult to qualify for a consumer loan or credit card. It also tends to slow company for companies which need to extend credit on a regular basis to their clients. Nevertheless, the prime rate also functions as a control on the growth of consumer debt and a shield against”bubbles,” by which paying goes out of control due to easy borrowing and positive market conditions. The FOMC has an interest in keeping interest rates stable and low so as to encourage companies to invest and consumers to spend, but in addition it increases interest rates once the economy begins growing at a fast pace.

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Guest Picks: Entertaining With Lamp Finials

Lighting is a designer’s best friend. It may make a room feel cozy, romantic or energetic with the twist of a switch. However, function is only part of their allure of proper lighting, as a fantastic lamp should also be a beautiful one. Recently, I have been adding classic finials in addition to all my lamps. They are a perfect finishing touch and come in so many unique shapes and substances: think Lucite, brass, natural and acrylic stone. Hilary Thomas’ colorful collection may be my new favorite, but there are plenty to pick from in this ideabook. — Shannon from I Love Your Own Crazy and Poplin & Queen

Hillary Thomas

Claudia Finial – $40

This Hilary Thomas finial provides a pop.

High Street Market

Brass Asian-Style Lamp Finial – $15

Each time I see this one in a home, I grin. Someone went the extra mile simply to add it.

Furbish Studio

Double Happiness Finial – $12

I would add this little guy to some navy ceramic lamp to get a classic touch.

High Street Market

Brass Pineapple Lamp Finial – $14

Interesting fact: Pineapples were placed on Colonial fenceposts when sailors would come home from sea for a indication of welcome.

purehome

Hillary Thomas Designs Lucky Madame Chiang Enchant Lamp Finial – $65

There is a set of brass lamps on the market just begging to get a pretty topper like this one.

LampsUSA

1-Inch Cube Finial, Brushed Nickel – $27.99

I would use this one.

Lamps Plus

Greek Key Brushed Nickel Finial – $11.99

A hint of geometric lines may immediately create a modern feel.

High Street Market

Brass Anchor Lamp Finial – $14

Anything nautical motivated always has a spot in my home.

Hillary Thomas

Dorothy Finial – $75

Envision this malachite finial in the conclusion of a brass traverse rod.

Lamps Plus

Solid Brass Polished Urn Lamp Shade Finial – $12.99

Following is a classic urn shape for the traditionalists.

The Home Depot

Cal Lighting Brown Deer Antler Resin Lamp Finial – $11

An antler has its place. I’d love to see it in a masculine office.

Amazon

B&P Lamp Black Ceramic Finial – $5.44

Black is a bold and edgy option, yet it’s still amazingly refined.

Hillary Thomas

Kiss the Sky Finial – $55

Would you have too much turquoise? I would really like to bring them in a room with coral throw cushions.

Pier 1 Imports

Tortoise Glass Lamp Finial – $16

Tortoiseshell — I can’t get enough of the stuff.

Lamps Plus

Solid Brass Ideogram Table Lamp Finial

This brass finial would appear incredible with a glass lamp.

Hillary Thomas

Blue Velvet Finial – $55

I am not one to have random vivid rocks laying around, yet this finial is a great addition.

Hillary Thomas

Jolly Finial – $55

Even people who can’t commit to bold colors can appreciate a small pop of crimson.

The Home Depot

Mario Industries Asian Design Brass Lamp Finial – $6.97

Hello, Home Depot locate!

Horse & Hound Gallery

Labrador Retriever Lamp Finial, Brass – $18

I have no idea where this would match (maybe a boys’ room?) , but a laboratory finial is cute.

Colors of Light

Solid Polished Brass Laurel Finial – $11

This one includes a colonial vibe to it that makes it perfect for a research.

Next: How to Get Your Own Window Treatment Right

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