Spruce Up Your House for Holiday Hosting

The holiday season is one of the most-traveled periods of the entire year. People drive and fly across the country or around the world to visit friends and loved ones. It’s wonderful to have those you care about coming to visit, but it can also be very stressful if your home is in disarray. Even though you tell yourselves that people won’t really care about what your home looks like, there’s always that fear that they’ll judge you if your house isn’t ready for guests.You don’t have to worry, though. There are a number of ways that you can make your home more festive in preparation for holiday visitors. Here are just a few suggestions to help get you started.

Rearrange the Furniture

Even something as simple as rearranging some of the furniture can have a big impact on the look of your home when company arrives. Changing the positioning of couches, chairs and other large pieces can open rooms up and make them seem more inviting to your visitors. Best of all, you can easily focus the changes around a Christmas tree or other holiday centerpieces to really tie things together and create a unified holiday look. Once your guests leave, you can either move the furniture back to its usual spots or leave it where it is to keep the new look going throughout the year.

Clean Up the Outdoors

Another place that you can make a big impact is cleaning up around the outdoors. Rake and mulch leaves, clean up flower beds, trim back trees and bushes… do whatever needs to be done to get everything looking great before the temperatures drop too low. If possible, you may even want to clean the bricks or siding and clean out your gutters. While you’re up there, you may as well install some hangers for holiday light strings, too!

Update Your Accents

One seemingly small change that can make a big impression is to change the accent colors on your home by painting the doors and shutters. This option isn’t right for everyone since it’s a permanent change, but for those wanting to update the look of their home it can make a big difference. While the color you choose is dependent on the color of your home and your personal preference, going with red or green can add a splash of holiday flair that will still look great the rest of the year through.

Spruce Up the Floors

If your carpets are stained, worn or otherwise need a refresh, don’t just install a similar carpet in their place: Consider going for woodgrain vinyl slats or laminate wood flooring instead. These flooring options add the beauty of a natural wood floor without the frustration, standing up to stains and other issues while requiring significantly less work to maintain. Best of all, a change to a wood look near the holidays can enhance the charm of your home when your visitors finally arrive.

Change Your Decorating Style

Consider ditching the tired old holiday decorations that you put up every year and go with a bit of a different look this time around. If you usually go cartoony, consider something classier like white lights and pine accents. If your decorations are usually sparse, do something a bit more over the top this year. It doesn’t matter how you refresh your decorations, just give your visitors something to see that they haven’t seen before. While this is especially effective if combined with other updates to your home, you can still wow your guests just by subverting their expectations of your holiday décor.

Bring in the Pros

If you can’t come up with a solution you like, consider bringing in a decorator to help you find the holiday updates that work best for your house. HomeKeepr can help you find the perfect decorator to wow your guests when they arrive. Sign up for your free account today!
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Home Programs Vets Should Know About

Veterans sacrifice a lot for this country. To help honor these sacrifices, special programs were put in place to aid vets in getting and keeping a home. Unfortunately, not all veterans know that these programs exist. Even for those who do, they may not realize exactly what options are available for them and may apply for a program that doesn’t really match their situation ideally. To help sort out some of the confusion, here are a few of the most common home programs that vets might be interested in. As requirements and availability can change over time, be sure to find out more before attempting to apply for any specific program.

VA Home Loans

One of the most commonly used home programs for vets are VA home loans. These loans are subsidized by the Veterans Administration itself, similar to HUD home loans or rural loans subsidized by the Department of Agriculture. Thanks to the VA subsidy, vets can qualify for better-than-average interest rates and may be able to reduce or eliminate down payments or closing costs as well. Houses must meet the livability requirements of the VA to be purchased with a VA home loan.

VA Foreclosure Programs

Another useful home program for vets is the VA foreclosure program. This features homes that have been foreclosed upon that meet livability requirements, allowing vets to buy the homes at a discount from their market value. This lower price can make VA loans even more affordable since there is less to repay from the start.

Loan Forbearance

One problem that vets sometimes face is getting behind on mortgage payments and running the risk of losing their home. The VA offers loan forbearance programs that can help with this. While this doesn’t serve as loan forgiveness, the forbearance does temporarily stop repayments to give veterans more time to catch up. There are no penalties accrued during the forbearance period – and pending foreclosures won’t move forward while the loan is in forbearance. Once the forbearance period ends, the vet can begin making payments again at their normal rate.

Loan Modifications

VA-backed loan modifications are another option for vets that are struggling with their mortgage payment. These modifications can make changes to the interest rate, interest type or even the repayment period of the loan to reduce the amount of the monthly payment. There are a few different types of loan modifications available for vets ranging from basic loan refinancing to specialized repayment plans designed to keep vets in their homes when times are tough. The specific terms of the modification will depend on the specific program or plan that the veteran uses to modify their loan.

In-Home Care Programs

For veterans who were injured in service or who experience other chronic health issues, the VA offers programs to aid in getting in-home care. These programs pay out directly to the care provider and may also cover the cost of specialized care equipment or home modifications that are necessary to help the vets get through their day. These programs may be a good option for injured vets who need minor remodeling for medical reasons but who are unable to get it done on a fixed income.

VA Disability Status

It is important to point out that some VA programs require a veteran to have disability status before they can qualify. Disability through the VA can take a while to certify, so vets who have ongoing mobility or health issues should apply early before applying for other programs. Some programs may have options available while a disability decision is still pending, but there are at least a few VA programs that can’t do anything for you unless you’re already certified as disabled by the VA.

Finding the Right Program

If you’re struggling to navigate the complexities of some of these programs, there are mortgage and loan experts out there who can help you. They have experience dealing with VA programs and may be able to advise you on which programs are best for your situation. Sign up for a free HomeKeepr account and get connected with an expert today!
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Deliveries, Security and You

In our modern always-connected world, it seems like we’re always having packages dropped off from one re-tailer or another. If you receive packages regularly while you’re not home, though, you may be setting yourself up for problems. Packages left alone on your porch invite thieves to come up and take them, and if there are regularly people coming to your property to drop deliveries off then your neighbors might not think that it’s strange when one more person walks up with a box… even if it turns out to be a burglar with the foresight to throw on a brown shirt and carry a package.So how can you make sure that your package deliveries aren’t creating a big risk for you? There are a few ways.

Establish a Delivery Area

When placing orders online, you often have the option to provide instructions to delivery drivers to make sure that your packages are delivered correctly. If you’re concerned about how frequent deliveries affect your home security, you can use these instructions as a powerful tool to thwart would-be thieves. Set up a delivery area around your home that’s covered or otherwise protected but not directly adjacent to your home and leave instructions for drivers to place any packages there. If possible, place the delivery space in an area that is clearly visible from neighboring houses as well. Because this designated area stands on its own, anyone entering it to try and steal packages will be very visible. It also foils would-be burglars because they now have no convenient excuse to approach your house.

Set Up Security Cameras

One thing that you can do to keep both your home and your packages safe is to install security cameras around your front door. This will allow you to see who’s coming to your house and will also provide evidence in case a burglar or thief approaches. If someone comes on your porch and steals your packages, you’ll have video of the thief and you’ll have proof that a theft took place so you can file a claim with the shipping company or retailer. You can even put cameras in an external delivery area if you’ve set one up! Make sure that you purchase a high-quality camera, though; cheap security cameras provide grainy and washed out footage that makes it very difficult to identify a perpetrator.

Invest in Smart Monitors

If you’re worried that a burglar might dress as a delivery person to gain access to your property, consider installing smart monitors on your windows and doors. These monitors may or may not be part of an alarm system – but setting off an alarm isn’t all that they can do. When triggered, the devices can notify you not only that a window or door was opened but also which one was triggered. This allows you to call a neighbor or notify the police and provide very specific details as to where a potential burglar entered. In some cases, the monitors may even be integrated into locks so that you can lock windows or doors remotely if you realize that you left them unlocked, taking care of a mistake that might have given a burglar easy access to your home.

Install a Security System

If these solutions don’t do enough to keep your packages and your home safe, consider getting a full home security system installed. These systems are more than just alarms; they contain several components that work together, along with active monitoring to contact the authorities or take other action if something suspicious occurs. Best of all, they can protect your home from other problems such as fires and even water leaks.

Keep Your Home Secure

Regardless of how you choose to close security holes related to package deliveries, you can find a security expert on HomeKeepr who can help you get the job done right. Sign up for free today so you can have a safer and more secure tomorrow!
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Care and Feeding of Brick Siding

Having brick siding installed on your house gives it a classic look. Unfortunately, a lot of people view brick as an install-it-and-forget-it option and allow that look to deteriorate over time. Brick homes require basic maintenance and care just like vinyl and wood siding do, though the specifics of maintenance may be a little bit different. It’s just like with anything: If you want the look, you have to put in the work to keep it up.Fortunately, maintaining your brick isn’t that difficult. Even better, the maintenance you do now can help prevent your brick siding needing major repairs in the future. So long as you’re willing to put forth a little effort, you should be able to keep your home looking great for years to come.

Cleaning Your Brick

The brick on your home is exposed to the elements on a 24/7 basis, and the rough surface of most bricks make them ideal for picking up dust and dirt. This can lead to damage over time, so once or twice a year you should take the time to clean your bricks. Most of the time this is as simple as spraying them down with a garden hose to remove any dirt and grime that’s built up on your home, though particularly tough spots and areas may need a scrub brush with soapy water as well. Avoid the temptation to use a power washer as the high water pressure can damage the brick.

Vegetation and Mildew Removal

While some plants such as ivy provide what some consider a dignified look, any vegetation that grows on your brick will damage it. Remove any vines, moss or other plants that you notice growing up your brick wall, making sure to wear gloves in case the plant is something that you don’t want to touch like poison ivy. You should also periodically check your brick for signs of mildew or mold, both of which can damage the brick surface as they grow. Scrub the area where you notice these growing, spraying them with a diluted solution of bleach and water to kill off any remaining remnants or spores. It’s a good idea to wet down the brick before you spray it, though, as this will prevent bleach from collecting in deeper contours of the brick and causing discoloration.

Checking for Damage

There are two types of damage you should check for at least once per year when you have a brick home. The first is impact damage, resulting from something hitting the brick and causing cracks, chips or other damage to it. This can come from a variety of sources, including things as ordinary as a lawnmower throwing a rock. The second type of damage to look for is water damage, which occurs when rain or splashing water repeatedly hits an area of the brick and starts to wear it away. Both of these can damage not only the bricks but the surrounding mortar as well. When damage is found, scrub the area to remove any loose material and keep an eye on the area to see if the damage gets worse over time. If the damage is caused by splashing water or other environmental issues, you might also adjust your landscaping or install additional drainage to redirect water and prevent further damage.

Repointing and Repair

As brick and mortar become damaged, you may need to make repairs from time to time. If the damage is just to the mortar, scrape and chisel away any damaged portions and apply new mortar to the entire area where wear and damage is present; this is typically known as repointing. If there are bricks that are damaged to the point that they need to be replaced, chisel away the mortar surrounding those bricks until they can be removed. Apply fresh mortar and new bricks to fill the damaged area.

Getting It Just Right

If the thought of replacing bricks or mortar intimidates you, we can help. Sign up for HomeKeepr today and we’ll help you find the masonry professional that can get the job done exactly the way you want it.
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What Color Should I Paint My Walls for the Best Return?

Painting your home is a great way to express yourself and let your personality shine through in your living space. The colors you choose for your rooms can really bring them to life in ways that few other changes can. However, a fresh coat of paint can do more than just give your rooms some personality. With the right colors, the paint you choose can even increase the likelihood that your house will sell at a good price when you put it on the market. To maximize this effect, there are a few colors you should consider (and a few you should avoid.)

Picking the Right Color

If you’re looking for a good color to apply throughout the house, consider a light shade of gray or beige. Both of these colors help to liven up rooms by adding just a bit of color but are neutral enough to let each room’s other accents take command. If you want something a bit different, taupe or so-called “greige” colors (mixes of gray and beige) can also work well. Some off-white colors, especially those with hints of brown or other warm shades, can also brighten up your rooms. Many of these colors pair well with white or beige baseboards and trim.

Good Kitchen Colors

If you’re going room by room, the kitchen is a good place to add a bit of darker color. Darker grays and grays mixed with darker blue shades do well in the kitchen; in fact, some reports have shown that homes with a gray-blue shade in the kitchen sell for an average of $1800 more than similar homes with other kitchen shades. Depending on the size of your kitchen and the amount of wall that’s actually visible behind the cabinets and appliances, you may be able to get away with hotter colors such as deep red or dark orange. Just avoid going too bright with whatever color you choose.

Living Room and Bath Colors

The living area and bathroom both benefit from more neutral shades such as beige and gray, but that doesn’t mean you can’t change things up in some cases. Consider the flooring and other fixtures as well as the amount of natural light that comes into the room and look at colors that take advantage of what’s already there. Light green, blue or brown can sometimes work wonderfully, especially if they include hints of gray to keep them from being too bright. You can even choose a bit stronger blues in the bathroom as homebuyers tend to respond well to blue there, just so long as you don’t go for too bright of a shade.

Bedroom Colors

Blue is a popular bedroom color, especially in shades such as cerulean. There are several bold color choices that you can get away with in the bedroom, though. Don’t go crazy with the bedroom colors and avoid anything that’s too bright – but giving the bedroom a splash of color in blue, green or even red or brown can work well so long as it’s not too much of a departure from the rest of the house.

Colors to Avoid

There are, of course, a few colors that you should avoid when painting your walls. Anything too bright or garish should obviously be avoided since it could turn off potential buyers. Black is another color to avoid; not only do many people find it depressing, but it will also be difficult for future homeowners to cover up. Also on the list of colors to avoid? Bright white. You might think that this would give your home a clean look or make it ready for a new homeowner to customize, but bright whites (especially when paired with white trim) often create a clinical look that actually makes buyers less interested in the space.

Making the Choice

If you’re not sure which colors will work best in your home, consider bringing in an interior designer or painter to help you pick the perfect hue. Sign up for a free HomeKeepr account today and you can find the perfect helper for your budget and your sense of style.
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Halloween Decor Trends

Decorating for Halloween is a tradition that many families take part in year after year. As with most traditions, though, the decorating trends that dominate Halloween change from time to time. Giant inflatables and laser light shows were all the rage just a few years ago, but now things are starting to shift a bit more toward subtle. The over-the-top Halloween decorating style will likely never fully go away, of course; there’s at least one house in every town that goes all out with its display and people always love it. If you’re looking for something simpler (and easier on the power bill), here are a few trendy options to keep in mind.

Candles

With the right candleholders, basic white candles can add a spooky ambiance that hearkens back to older Halloween traditions. Specialty candles are available that are carved to look like bones or horns as well. No need to go overboard with effects-candles, such as those that “bleed” when lit; just a few tapers burned to different lengths and then extinguished serve as the perfect subtle candle accent to your other decorations.

Pumpkins

What would Halloween be without pumpkins? While the traditional jack-o-lantern is still great, there’s an increasingly common trend to display uncarved pumpkins as well. White pumpkins are also seeing an upswing in popularity to really help set your decorations apart from the norm.

Halloween Wreaths

Also seeing an increased popularity are Halloween wreaths. Coming in a variety of styles, these wreaths have a lot more room to experiment than more traditional Christmas wreaths because of the generally spooky nature of the holiday. You can DIY a wreath yourself or buy one of multiple pre-made varieties to give your home a really unique Halloween look.

Lighting and Signs

Halloween lights have been growing in popularity in recent years, providing a decorative option that can be enjoyed even once the sun goes down. Signs, both lighted and non-lighted, are also firmly establishing themselves as Halloween must-haves. Combining the two can give your home a unique look that neighbors can enjoy both during the day and after the night descends.

Window Décor

Instead of going all-out with inflatables, animatronics and big clunky pieces made of plastic and rubber, an up-and-coming trend is to make use of silhouettes in front of plain curtains to give your decorations a more subtle flair. Some homes even take this a step beyond, using white sheets or similar coverings on the interior windows and then using creative lighting and figure placement to actually cast shadows onto the waiting windows. The shadow puppet feel gives the effect an extra layer of spookiness.

Black and White and Purple Trappings

While black and orange are the dominant colors of Halloween, a big trend in recent years has been to move away from the orange and embrace the holiday’s darker tones. White is used for contrast, with the predominant colors in decorations being black and dark purple. Splashes of other colors may be added as well, but the black, white and purple theme is definitely striking.

Zombie Flamingos

While there has been a move away from some of the cheesier parts of the holiday, the kitsch of putting zombie flamingos on your lawn is a bit too fun to ignore. There are a variety of styles of flamingoes available ranging from silly to gory, giving you plenty of room to find birds that match both your personal tastes and decorating style. Best of all, they can be mixed with a few traditional pink flamingos to give everything a splash of color while totally buying into the Halloween fun.

Need Some Halloween Style?

If you’re not sure what sort of decorations would look best with your home, consider consulting a decorator who has experience with Halloween trappings. Not only will they help you pick the best décor options, but they’ll aid you in choosing accents that go perfectly with both your home style and the decorations you choose. Sign up for a free HomeKeepr account and get matched with the decorator you’re searching for today!
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Best Smart Home Thermostats for 2019

On the fence? Here are 10 reasons to install a smart home thermostat.

Learns from You: The Nest, $249

NestVIA AMAZON.COM

The Nest Learning Thermostat (3rd Generation)‘s biggest draw is its ability to learn your schedule. It will adjust over time so your house is at your preferred temperature throughout the day. You can buy optional Nest sensors to place in different rooms so you can target the temperature to the sensor you prioritize at different times, although they lack motion sensors to automatically tell where you are. The Nest is consistently one of the top picks on review sites and gets higher than four stars in customer reviews across multiple retailers. Check out these other smart home devices you’ll love. Check out these 10 gateway smart home products. Buy it now on Amazon.

Built-in Smart Speaker: ecobee, $249

ecobeeVIA ECOBEE.COM

The ecobee 4 Smart Thermostat includes a built-in, fully-functioning Alexa. The thermostat comes with a temperature sensor with motion detector so the thermostat can target occupied rooms; additional sensors cost $79 per two-pack. A combination of geofencing (in other words, where your phone is) and the motion sensors let the thermostat know whether you’re home. It won’t learn your schedule like the Nest, but you can program home, away and sleep events. This thermostat is consistently a top pick among professional reviewers. Learn more about the history of smart home technology. Here are 10 ways to make sure your smart home devices are secure.

Budget Pick: Honeywell, $199

HoneywellVIA LOWES.COM

The Honeywell Home T9 Smart Thermostat with Sensor comes with one motion-sensing temperature sensor so you can target the temperature to occupied rooms; you can buy additional sensors for $40, or $75 for a two-pack. It uses geofencing, but only to tell when you’re not home, and you can set a schedule, but this thermostat won’t learn your schedule like the Nest. This model, and the older Honeywell Lyric T5, are frequent budget picks on review sites. Correct these 10 air conditioning mistakes you can’t afford to make.

Keep in Mind

Before you pick a smart thermostat, evaluate your home’s setup to make sure a specific thermostat will work for you. It may be helpful to know top problems with smart home technology. Mind the C-wire: Most smart thermostats require a C-wire, or common wire, connected to the HVAC system to provide a return path for power to the thermostat. An existing C-wire isn’t always in the wall, especially in older homes. You can install a C-wire or adapt your setup if you want to install a thermostat that requires a C-wire. Will it work with your HVAC?: Check the types of heating and cooling systems a thermostat is compatible with before you buy. If you have dual zones in your home, or separate heating and cooling systems, see whether you’ll need multiple thermostats. Other integrations: If you already use smart home devices, see whether your chosen thermostat integrates with your ecosystem, or if it will require additional setup. Learn how to install a programmable thermostat.
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Mike Holmes: Assess your windows now, before we get deep into the winter season

Here are some of the signs you’re ready for some new windows

But one other important function is their ability to keep your home from leaking its treated, comfortable air into the outdoors. Some windows will be much better at this than others. Whenever you’re planning upgrades for your home, I always say to focus on your building envelope first. By working on the outside FIRST, you’re taking steps to protect what’s inside your home – and make it more energy efficient, too. This is good time of year to assess your windows, before we get deep into the winter season, and your HVAC has to kick in to overdrive. Here are some of the signs you’re ready for some new windows. They’re difficult to operate It shouldn’t take all your strength just to open and close your windows to let some air in. If they don’t work like they used to, such as not opening smoothly, or getting stuck in the track, you’re likely ready for new windows. For true accessibility, windows should only require one hand to operate. Casement and awning windows that open and close with a crank are easiest to use for any homeowner, and you don’t risk accidentally slamming the windows shut. All windows should also come with good locks for added security.
They start to ‘cry’ When the temperature outdoors stats to dip and your heat kicks in, do your windows develop condensation? Don’t whip out the tissues just yet – but if this is a recurring problem, it could be indicative of bad windows. Don’t rip out the windows just yet because there are a few potential causes of weeping windows. Condensation on windows can be caused by a lack of ventilation in the house. If a house is very well sealed, and lacks mechanical ventilation such as an HRV or ERV, or even a bathroom ceiling fan, humidity levels can get too high. Cooking, showering and doing laundry all add humidity to the home. Ideally, relative humidity in the home should be kept between 35% and 45%. First, turn down your humidifier by about 10 percent and see if you still get that buildup. Take a look at the seal around your windows, and replace old, worn, or missing caulking as necessary. It could solve the issue completely. If the condensation appears between panes of the window, odds are the airtight seal meant to stop heat transfer is broken, and it’s time to replace them with new windows. If you’re totally stumped over the cause – a home inspector can help you find the source of your moisture issues. They have visible damage Your windows are constantly exposed to whatever Mother Nature can throw at it. Freezing rain, ice, sleet, high winds, and even UV rays can start to affect the health of your windows. Look out for things like cracks in the window glass, or visible signs of water damage. Even the best windows and frames can eventually submit to the elements. Check your frames for instances of warping, mould and rot. If they’re starting to show major signs of damage, it’s time for new windows. Don’t underestimate the importance of curb appeal when it comes to selling your home in the future. Not only does adding new windows add monetary value to your home by making it more energy efficient (not to mention cheaper to heat) – good looking windows can also wow potential buyers, making your home sell that much more quickly. They’re just plain old Finally, old windows just don’t do the job the newer, more energy efficient models do. If your windows are seriously old, you might be looking at single pane units instead of double or triple paned glass. These single paned windows don’t offer any insulation or soundproofing, and are totally energy inefficient. That means your HVAC system is going to have to work that much harder to keep your home at a comfortable temperature. And you’ll be seeing that effort on your monthly energy bills. Think of all that extra money and energy you’re throwing down the drain with inefficient units. Investing in new windows will offer serious long-term savings on your energy bills.
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Heating Sources Explained

There are a lot of different options available when it comes to heating your home. Some of them, you’re likely really familiar with, while others are newer options that you may not have heard of. Regardless, understanding how different heating options work is an important part of deciding how to best heat your home. Whether you’re building the home of your dreams or just remodeling your existing home, here’s some info on some of the heating options you might encounter.

Gas Heat

As the name implies, gas heat means that your system produces heat by burning a flammable gas (typically propane or natural gas). Depending on where you live, the gas either comes from a city-supplied utility line or a standalone tank that sits on your property. The heater functions by adjusting the gas passing through the heating chamber to make flames larger or smaller, controlling the amount of heat the flames release into the air that passes through the chamber. Propane heat may also come in other forms, such as gas fireplaces that serve a decorative purpose, as well as providing localized heat.

Forced Air

A forced air system is one that uses fans or other blowers to move air over a heating element and throughout the heating system’s ductwork. These are some of the more common heaters that you will encounter, as variations of forced air heating is used in most central heat and air systems and in many portable heaters.

Baseboard Radiators

There are a few different types of baseboard radiators that you might encounter. These heaters sit at or around floor level around the edges of a room, generating heat and allowing it to rise naturally throughout the room or house. Different materials are used in these heaters, with more modern varieties using pipes filled with heated oil to hold and radiate heat at a lower power cost than similar heating options like older, electric floor radiators.

Radiant Heat

An increasingly popular option for heating the home comes in the form of radiant heat flooring. A closed liquid heating system is embedded in concrete or other flooring material, heating the floor itself and allowing that heat to radiate upward naturally to provide gentle heat over a larger area without the need for high energy costs. There are a wide range of radiant heat options available, including everything from electric heating to systems that are heated from a wood stove outside of the home.

Solid Fuel Heaters

Also referred to as “pellet stoves” or “biomass heaters”, solid fuel heaters are stoves or other heating units that burn solid materials such as wood pellets or shavings instead of liquid or gas fuels. This is seen as something of a green option for homeowners who want to use wood and other materials that would otherwise be considered waste by the forestry industry. The fuel pellets or shavings are loaded into the heater and released into the burning chamber gradually, providing more control over the temperature and heat intensity than you would have with traditional wood-burning stoves.

CHP Systems

An emerging technology, “combined heat and power” or CHP heating systems are designed to be another environmentally-friendly heating option. These systems use a generator that produces power for the home or other buildings on the property, then reclaims heat energy released by the generator to heat the home. These systems are not yet available in all areas and may not be for everyone since they do provide more than just heat. For those planning for the future, however, keeping an eye on CHP systems may be a way to heat the home while simultaneously reducing dependence on external power.

Turn Up the Heat

If you aren’t sure what type of heating system is best for your needs, HomeKeepr is here to help. Sign up for free and we can help you find a professional that will match you with the heating solution that best fits your home and budget.
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The Post-Inspection Negotiation Two-Step: What You Can Expect

As with a lot of problems, the answer is a resounding “It depends.”

Gauging Severity

One big determining factor in how problems found in a home inspection are dealt with is how severe the issues are. A major problem with a property can be a deal breaker for many buyers. Depending on where you live, such a problem may even have to be addressed before the property can be sold. State-level restrictions vary, but most are rooted in making sure that sellers can’t avoid fixing potentially dangerous problems or leave them for the buyer to discover on their own. Even if a problem isn’t critical, most states require that any problems found by a home inspection be disclosed to potential buyers. This disclosure is a big deal, as it can significantly affect how much the buyers are willing to pay.

Loan Program Requirements

Beyond repair and disclosure requirements that vary from state to state, different loan programs (such as those offered by the Federal Housing Authority or Department of Housing and Urban Development) may have additional requirements when it comes to problems discovered during a home inspection. Many programs have very specific guidelines regarding the condition of the property that a buyer can purchase using those loans. If a loan program won’t allow a purchase while unsatisfactory conditions exist, the issues must either be repaired or have satisfactory arrangements made to facilitate the repair before the purchase can continue. Keep in mind that not all loan programs will make allowances for future repairs, either; in those cases, the repairs will either have to be made in full or the buyer will have to find a different lender that does not follow the same strict requirements.

Negotiating Repairs

In the event that there aren’t specific regulations at the state level or restrictions in the buyer’s loan program concerning problems with the property, it falls to the buyer and the seller to determine what repairs will be made. This is typically part of the price negotiation, as buyers are willing to pay more for a property that they don’t have to make extensive repairs to. In many cases, sellers may offer to cover the most pressing repairs and address any serious issues while the buyer assumes responsibility for any other issues found in the buyer’s home inspection disclosure. In many cases this will be agreed to in writing, either at the request of one of the parties or as a condition of the mortgage loan that the buyer is using for the purchase. By formalizing the agreement in writing, it ensures that both parties understand their responsibility and protects the seller from potential legal action regarding issues that weren’t addressed (provided that the seller completed all of the repairs that they agreed to.)

Market Strength

The strength of the housing market can have a big effect on who does the bulk of repairs on a property. If similar properties are plentiful and interest rates are low, it creates what’s referred to as a “buyer’s market”; buyers have a lot of options and can easily walk away from the purchase if they don’t get what they want. In this situation, the buyer has a lot of leverage and can usually get the seller to agree to either a lower price or a higher percentage of the repairs. When the opposite occurs and there are few choices and higher interest rates, a “seller’s market” is created. Buyers can’t walk away as easily and be guaranteed a good deal elsewhere, so sellers can often hold their ground more and get buyers to agree to higher prices or a greater percentage of repairs.

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