Real Estate Information Archive

Blog

Displaying blog entries 1-10 of 61

9 Ways to Disaster-Proof Your Home Against Summer Storms

by The Schnoor Team

Turns out a tidy yard and clean gutters do way more than just look nice.

Sure, cleaning your gutters and trimming your trees may not seem like heroic tasks, but hey, when a thunderstorm is doing its worst outside, those mundane little jobs are your home’s armor.

So suit-up the whole place. These nine tips will get your home ready for summer disasters, like water damage to your home, power outages, and fires. (You’ll save yourself a pretty penny, too.)

#1 Clean Gutters to Prevent Water Damage

It’s a fairly simple task, but so easy to put off. Who wants to schlep out a ladder for an afternoon of gutter cleaning?

But clogged gutters mean storm water can overflow, saturating — and possibly penetrating — your home’s foundation. Gutter build-up can also contribute to water seeping into your attic and damaging walls.

While you’re scooping debris, check the downspouts for clogs by flushing them with water from a garden hose.

Or skip the hassle and hire a pro.

#2 Protect Your Roof from Storm Damage by Trimming Trees

You know what happens in severe storms. Tree limbs break away and fall. If huge tree limbs are dangling over your house, you’re at risk for major roof damage. Cut back limbs to reduce their weight.

Also, make sure they’re at least four feet above the roof. Tree limbs make great balance beams for critters to tumble into your attic; don’t make it easy on them.

#3 Install a French Drain to Keep Storm Water Away

A French drain — named after a guy named French, not the country — is a lightly sloped trench (1 inch per 8 feet) filled with round gravel and a pipe that diverts water away from your house.

The drain can be shallow or deep depending on whether you’ve got a soggy lawn or a bigger problem with water entering your basement during heavy storms.

#4 Prepare for a Power Outage with a Generator

An hour in the dark is an inconvenience, but a power outage of a day or two — especially when it’s 100 degrees outside — can be hazardous to your health (and pricey, as all your refrigerated and frozen foods spoil).

Invest in either a portable or standby generator, depending on how much you want to spend and how much power you need.

Generators vary by wattage output — the amount of power they can generate at one time. So check appliance needs: a four-slice toaster might use a whopping 1,650 watts – way more wattage than a portable AC unit (often under 500 watts).

#5 Prevent Fires with Hardscaping and a Tidy Yard

And you thought a well-maintained lawn and that flagstone patio were just for fab curb appeal (and to make the neighbors jealous). Au contraire. Stone doesn’t burn.

You can also deprive flames of fuel by keeping the grass short and irrigated, removing dry leaves and dead plants, and pruning dead branches. If you needed extra motivation to get off the patio and get that yard work done, there you go.

#6 Install Impact-Proof Doors and Windows

Think a door is just a door? When it’s rattling on its hinges mid-storm, you’ll change your mind.

Impact-resistant windows, doors, and garage doors can inhibit high winds that cause structural damage from entering your home.

Bonus: Impact-resistant features can also protect your home from intruders, reduce outside noise, and stop warm or cool air from escaping.

#7 Update Your Insurance

Sometimes you really do need to read the fine print.

Once a year, review your homeowners insurance to make sure you can rebuild your whole house in case of a disaster. See if you’re adequately covered for things like flood damage, too.

Plus, make updates based on recent home improvements, like that fancy burglar alarm you just installed, and ask about any new discounts for bundling with your car insurance.

#8 Check Fire Extinguishers

Scary stat alert: 660 people died in home fires in just the first two months of 2018.

While a fire extinguisher doesn’t technically expire, it’s possible for its seal to weaken over time, causing the pressure to drop and rendering it useless. Check that the locking pin is intact and the pressure gauge or indicator is pointing to “full.” (Sometimes this is a green bar.)

And did you know you’re supposed to keep a fire extinguisher on each floor? Or that different rooms require a different type of extinguisher? If not, a fire-safety shopping spree might be in order.

#9 Pick Wildfire-Wise Plants

Speaking of fires, homeowners too often don’t consider how their plant choices help or hinder them.

Plants with stems that contain wax, terpenes, or oils are super flammable — as are junipers, hollies, eucalyptus, and pines.

Particularly if you live in a wildfire-prone area, choose fire-resistant foundation plantings like azalea, boxwood, hydrangeas, and burning bushes. (Ironic, right?)

Succulents, like sedum, have high water content and are less flammable. If you use bark mulch, which is highly flammable, keep it moist. Less flammable mulches are gravel, decorative rock, or bark-and-rock combinations. You can find a whole bunch of plants appropriate for your area at Firewise.org.

Source: "9 Ways to Disaster-Proof Your Home Against Summer Storms"

New Mexico River Adventures

by The Schnoor Team

Whitewater Rafting, Kayaking, Stand Up Paddle boarding...Do it all! New Mexico River Adventures specializes in the highest quality outdoor adventures available in New Mexico including whitewater river rafting, kayaking, and Stand Up Paddle boarding Come experience the best professional guiding, service and instruction on the Rio Grande and Rio Chama. Adventure, fun, and fantastic food, too! New Mexico River Adventures' Guides are fun, informative and well equipped with an immense amount of experience on the rivers of Northern New Mexico and around the world. Enjoy a trip with these experienced, fun guides who really know each river's history, geography, and unique plant and animal life, as well as being great cooks! Visit our Brand New River Headquarters! At New Mexico River Adventures we believe that your trip starts the minute you arrive at our headquarters. Upon arriving, our guests will appreciate the welcoming atmosphere as well as the private and secure parking. Don't worry if you forgot any items for your trip as our outfitters store provides easy access to any items you might need. After checking in and meeting your guides, you will enjoy our private changing rooms and restrooms before it's off to the river. After the trip, our headquarters is the perfect atmosphere to relax and chat with the guides and other guests as you view the whitewater photos from your trip. You can choose from single-day excursions, multi-day adventures, or customize your own trip!


Source: "New Mexico River Adventures"


How to Keep Your House Cool Without AC

by The Schnoor Team

Want summer comfort but hate the AC? Follow these tips on how to keep your house cool without frosty air conditioning.

You don’t have to switch on the air conditioner to get a big chill this summer.

These tips will help you keep your house cool without AC, which will save energy (and avoid AC wars with your family.

Block That Sun!

When sunlight enters your house, it turns into heat. You’ll keep your house cooler if you reduce solar heat gain by keeping sunlight out.

Close the drapes: Line them with light-colored fabric that reflects the sun, and close them during the hottest part of the day. Let them pillow onto the floor to block air movement.

Add awnings: Install them on south- and west-facing windows to reduce solar heat gain by up to 77%, says the U.S. Department of Energy. Make your own by tacking up sheets outside your windows and draping the ends over a railing or lawn chair.

Install shutters: Interior and exterior shutters not only reduce heat gain and loss, but they also add security and protect against bad weather. Interior shutters with adjustable slats let you control how much sun you let in.

Apply high-reflectivity window film: Install energy-saving window films on east- and west-facing windows, which will keep you cool in summer, but let in warming sun in the winter. Mirror-like films are more effective than colored transparent films.

Open Those Windows

Be sure to open windows when the outside temperature is lower than the inside. Cool air helps lower the temps of everything — walls, floors, furniture — that will absorb heat as temps rise, helping inside air say cooler longer.

To create cross-ventilation, open windows on opposite sides of the house. Good ventilation helps reduce VOCs and prevents mold.

Fire Up Fans

Portable fans: At night, place fans in open windows to move cool air. In the day, put fans where you feel their cooling breezes (moving air evaporates perspiration and lowers your body temperature). To get extra cool, place glasses or bowls of ice water in front of fans, which will chill the moving air.

Ceiling fans: For maximum cooling effect, make sure ceiling fans spin in the direction that pushes air down, rather than sucks it up. Be sure to turn off fans when you’re not in the room, because fan motors give off heat, too.

Whole house fans: A whole-house fan ($1,000 to $1,600, including install) exhausts hot inside air out through roof vents. Make sure your windows are open when you run a whole-house fan.

Power Down Appliances

You’ll save money and reduce heat output by turning off appliances you’re not using, particularly your computer and television. Powering down multiple appliances is easier if you connect them to the same power strip.

Don’t use heat- and steam-generating appliances — ranges, ovens, washers, dryers — during the hottest part of the day. In fact, take advantage of the heat by drying clothes outside on a line.

Plant Trees and Vines

These green house-coolers shade your home’s exterior and keep sunlight out of windows. Plant them by west-facing walls, where the sun is strongest.

Deciduous trees, which leaf out in spring and drop leaves in fall, are best because they provide shade in summer, then let in sun when temperatures drop in autumn. Select trees that are native to your area, which have a better chance of surviving. When planting, determine the height, canopy width, and root spread of the mature tree and plant accordingly.

Climbing vines, such as ivy and Virginia creeper, also are good outside insulators. To prevent vine rootlets or tendrils from compromising your siding, grow them on trellises or wires about 6 inches away from the house.

Speaking of shade, here are smart, inexpensive ideas for shading your patio.

Want more tips for staying cool this summer? Substitute CFL and LED bulbs for hotter incandescent lights.

Also, try insulating your garage door to prevent heat buildup.

Source: "How to Keep Your House Cool Without AC"

Mold. UGH. Soooo Gross. Here’s How to Kill It Forever

by The Schnoor Team

By the way, bleach doesn’t work. And don’t try to scrape it off, either.

Ugh. Mold. It’s ugly. It’s tenacious. It’s the uninvited guest that keeps visiting — no matter how rude you are to it. But, unwittingly, you may be setting up the perfect conditions for mold’s return: a food source, lots of moisture, and a pleasant temperature.

“You’ve got to eliminate one of those three legs of the stool so mold won’t grow,” says Pete Duncanson, director of system development for ServiceMaster Restore. “And it’s always easier to prevent than to remediate.”

Assuming you like warm showers and a comfy thermostat setting, there’s not much you can do about the temperature mold loves. But you can get rid of mold — and permanently prevent it — by controlling the other two factors: food and moisture. Here’s how.

Starve It Out

Mold is a horror flick cliché. It’s everywhere. It’s alive. It spreads by spores floating in the air. And it can grow on any surface — porcelain, plastic, copper, silicone — as long as that surface is coated with organic matter.

“Mold doesn’t live on your shower walls or the grout or caulk; it actually lives on the deposited skin cells and soap residues (which have your skin cells in them),” Duncanson says. So. Gross. So, yes, if you want to get rid of mold you gotta break out the cleaning bucket. There’s no way around it. But the good news is that you don’t need toxic cleaners. Soap and water works just fine with some elbow grease, says Bob Justewicz, a director at the National Association of Mold Professionals. But two warnings:

  1. Don’t bleach it. Online chat rooms and myriad websites might have you believe that bleach kills mold. Both professionals say it’s not true. “Bleach or peroxide removes the stain, but they don’t kill the mold,” Duncanson says.
  2. Don’t scrape it. Remember, mold is alive (it’s ALIVE!) and reproduces through microscopic spores. “If you brush [mold spores] with your hand, they just go into the air and look for new places to colonize,” Duncanson says.

What about those daily shower sprays? Will they work? They are of some benefit, says Duncanson, in that they help push mold’s food sources down the drain. But as a solo act, no, they won’t keep your bathroom clean.

Dry It Out

How? Use your exhaust fan. “Running the fan any time the bathroom is in use is a good idea,” Duncanson says. “Then leave it on for 30 minutes after or at least as long as the shower ran.”

But make sure your fan actually exhausts outside through the roof or a side soffit and not into the attic. “If it’s going into the attic, you’re causing moisture to go into an unconditioned space, and you can cause mold growth there.”

No exhaust fan? “Any movement of air will help dry out the bathroom,” says Justewicz. “Even a desk fan on the vanity will help.”

After a shower, use a towel or squeegee to wipe down shower walls. Open the shower curtain to let it dry. Mop any water spills on the floor and counters. Avoid piling in too many shampoo and body wash bottles. They’re a perfect place for moisture and mold spores to hide.

Make It Stay Away

Here are a few more tips if your bathroom mold seems especially strong-willed:

Re-caulk. Mold adores crevices — probably because it knows you can’t reach it there. If lots of mold has built up on your caulking, it’s probably because it’s spread deep into unseen spaces behind it. If so, re-caulking may solve the problem. Just be sure to follow these tips to keep the problem from getting worse:

  1. Once you’ve removed the compromised caulk, be sure to thoroughly clean and dry the area before putting down new caulk.
  2. Use caulk labeled specifically for the bathroom, which means it will be mold resistant.
  3. Let it cure for at least 24 hours (or as long as it needs to) before taking a shower or bath. If it’s not dry, it’ll allow moisture to creep back in, undoing all your hard work.

Check everywhere for mold. If it keeps coming back, it may have a colony somewhere you haven’t found. Check behind the toilet and under the sink. Moist drywall and wallpaper are tasty treats for mold.

Install a humidity monitor. Affordable at around $10, they can let you know when moisture is building before it turns into an indoor rain forest.

Know when to get help. If it keeps coming back, or you see areas of mold the size of a quarter or bigger you want professional help. “You’re dealing with excessive moisture or a food source that needs to be controlled,” Duncanson says.

How to Get Rid of Bathroom Mold

  1. Use soap and water, not bleach. Bleach only discolors it; it does not get rid of mold.
  2. Keep your bathroom as dry as possible. Use squeegees on shower walls and doors. Use an exhaust fan religiously. Wipe wet areas with dry towels.
  3. Recaulk your tile if necessary. Be sure to get caulk that is meant for humid and wet areas, like bathrooms.
  4. Get a humidity monitor to let you know when moisture is building up to mold-friendly levels.

​​Source: "Mold. UGH. Soooo Gross. Here’s How to Kill It Forever"

Will My Taxes Look Different Now That I’m a Homeowner?

by The Schnoor Team

Magic 8 ball says yes. Here’s what to know to itemize tax deductions as a homeowner.

The federal tax law signed by President Donald Trump Dec. 22, 2017, may affect home ownership tax benefits described in this article. The new law goes into effect for the 2018 tax year and generally doesn’t affect tax filings for the 2017 tax year.

Taxes? Gross! Who wants to think about government paperwork, especially when your hand still aches from signing the 977 forms required to buy your first house? But listen up: As a new homeowner, you can typically wave bye-bye to the 1040-EZ form and say hi to itemizing your deductions on Schedule A.

That means you can combine the thousands you’re now paying in mortgage interest and property taxes with what you’re already paying in state and local income taxes. And bam! Suddenly, you’ve got more to deduct than the $6,300 standard deduction.

For recent first-time homeowners Ben and Stephanie Liddiard, buying a rambler in Layton, Utah, led to tax savings that fattened Ben’s paycheck by $100 every two weeks. If you’re like the Liddiards, home ownership will give you more deductions, so your taxable income will decrease and you could owe less in taxes.

What Deductions Should I Itemize?

  • Loan costs and fees
  • Mortgage interest
  • Property taxes
  • Private mortgage insurance

Not everyone who buys a home will end up itemizing and owing less in taxes, says Anna Berry Royack, an accountant who sees many first-time home buyer tax returns at her Liberty Tax office in Catonsville, Md.

To find out if you’re eligible to itemize, add up your deductions with your handy home closing paperwork, says Berry Royack. The document you’re looking for is either a HUD-1 Settlement Statement or a Closing Disclosure. (Lenders used the HUD-1 until late 2015, when they switched over to the more consumer-friendly Closing Disclosure.)

Here are the details on what you need to look for:

One-Time Deductions

Loan costs and fees. “Different lenders call their loan costs and fees different things,” Berry Royack says. “Look for an ‘application fee’ or ‘underwriting fee.’ Also, if you paid points to get a lower interest rate, that’s often deductible in the first year. Your lender might have called that ‘buying down the rate’ or ‘discount fee’ instead of ‘points.’ Points are easy to find on the Closing Disclosure because they’re at the top of page 2 and labeled ‘loan costs.’”

Recurring Deductions (Woo Hoo!)

1. Mortgage interest. Most homeowners can deduct the interest portion of monthly mortgage payments — not the principle — each year. Exception: When your mortgage is close to being paid off, the interest is less than the principle. So even when combined with other deductions, you might not have enough to exceed the standard deduction. But that’s a loooong way off for most of us.

To see how the mortgage interest deduction plays out in real life, consider first-time homeowners Ben and Stephanie Liddiard. They moved from a $1,000-a-month rental apartment to a $168,000, five-bedroom, two-story, 2,300-square-foot house outside Salt Lake City.

They had some deductions as renters, but those expenses were less than the $6,300 standard deduction they each got ($12,600 for marrieds), so as renters, they opted to take the standard deduction.

When they bought their home, the combination of mortgage interest, property taxes, Utah’s 5% income tax, charitable contributions, and some unreimbursed medical expenses incurred during Stephanie’s pregnancy, added up to more than $12,600. Hello, itemization.

All these deductions reduced their income, so they owed about $2,600 less in federal and state income taxes.

Once they knew how much lower their tax bill was going to be, the Liddiards had two choices:

  1. Leave their payroll tax withholding as it was and get a $2,600 refund the following year.
  2. Adjust their tax withholding so the extra $2,600 wasn’t taken out of their paychecks any more.

The Liddiards went with No. 2. “I changed my withholding so I get about $100 more [in each] paycheck instead of a big refund,” Ben says. That’s smarter than letting the IRS hold on to that until refund season since the IRS pays zero interest on the money you overpay in taxes.

Tip: You know what would be an even smarter move? Opting to automatically divert that $100 per paycheck into a home repair savings account. Once you’ve saved a tidy 1% of the value of your home, you could use that money to fund your 401(k) or your kid’s college costs.

2. Property taxes. Property taxes are also deductible, but they can be tricky in the year you buy the home because both you and the sellers owned the property during that year. Sadly, you only get to deduct the property taxes you owed for the portion of the year you owned the home; the seller gets the rest of the deduction.

This info shows up on the Closing Document as “adjustments for items paid by seller in advance” or “adjustments for items unpaid by seller.”

Tip: Who pays the property taxes in the year of the sale — the buyer or seller — is negotiable, but not who gets the deduction. Say you live in a sellers’ market and to sweeten the deal agree to pay the full year of property taxes for the seller. Nice negotiating! But you still can’t claim the full year deduction under IRS rules.

Other stuff on the not-so-deductible list:

  • Transfer fees for changing title from the sellers to you.
  • Recordation fees to put the title change into public record.
  • Homeowner or community association fees. They feel like a tax because you gotta pay ‘em, but they’re not.

3. Mortgage insurance. Private mortgage insurance, which many homeowners pay each month if they put down less than 20%, is deductible for many every year you pay it.

Private mortgage insurance protects lenders when they accept low down payments. To claim the deduction, your adjusted gross income (AGI) must be no more than $109,000. The deduction phases out once your AGI exceeds $100,000 ($50,000 for married filing separately) and disappears entirely at an AGI of more than $109,000 ($54,500 for married filing separately).

Other types of insurance, like homeowners insurance, aren’t deductible unless you can claim a portion of the home insurance because you work at home exclusively. “People can get those two confused,” Berry Royack says.

Other Deductions You Might Overlook

As the Liddiards found, sometimes buying a house is the trigger that, combined with other deductions you might have, makes it worth busting out Schedule A. That stuff you donated so you didn’t have to move it was probably a charitable donation. Those state and local taxes you paid could pay you back via itemization. Hopefully, you don’t have to, but you can maybe tack on medical and dental expenses above 10% of your income and casualty and theft losses.

Special Circumstances to Keep in Mind

If this is your first year doing your taxes as a homeowner, it’s worth splurging on an accountant to make sure everything goes down without a hitch. This is especially true if one of these special circumstances apply:

  1. You work from home. If you take conference calls in the same place your dog lives — that is, your home office is your exclusive, regular place of business — you might be able to deduct a portion of your home ownership costs under the home office deduction. “That’s a $1,500 deduction for a 300-square-foot office. Or you can deduct more if you have a larger office or the actual costs for you home office are higher,” Berry Royack says. The standard home office deduction is $5 per square foot. If you’re self-employed, you’ll be taking this deduction on Schedule C.
  2. Your lender sold your mortgage to a different lender. “That happens to a lot of people about five minutes after they walk out of the closing,” Berry Royack says. “If you’re one of them, you’ll need to remember to look for two sets of year-end disclosures — one from each company that had your loan.”

Add the numbers from both year-end forms to get the amount to deduct. If the numbers don’t look right, call the agency or company that services the mortgage and double-check the figures or ask your accountant to do it. “We see a lot of returns [at our firm], so we usually can tell if your property tax figure looks right, and we know where to check,” Berry Royack says.

Source"Will My Taxes Look Different Now That I’m a Homeowner?"


Explore your backyard: Family Fun!

by The Schnoor Team

When you plan your trip to New Mexico, you can count on plenty of adventures for the entire family.

You can choose to paddle along a picturesque lake or to negotiate the white waters of a rushing river. Take a ride through the Old West on a historic train. Go camping and get away from it all. Encounter the unknown. Maybe a long afternoon exploring the shops in Santa Fe is more your speed. Or the thrills of the Albuquerque adventure parks. No matter how many years young you might be, New Mexico is all about family fun.

Source: "Explore your backyard: Family Fun!"

Kitchen Color Schemes: How to Avoid Kitschy Colors

by The Schnoor Team

The timeless beauty of versatile hues.

The kitchen is the heart of the household, a place where you prepare meals and make memories. So it only makes sense that your kitchen’s color scheme reflects your unique tastes and personality, right?

The answer to that is yes — and no.

Although there may be a special hue that gets your heart thumping, there are many reasons why it makes sense to opt for a neutral palette in your kitchen. Many design professionals agree that using shades like white, beige, or gray as the foundation for your kitchen not only open up a spectrum of colorful possibilities, but enhance the value of your home.

The Never-Regret Factor

“Timeless colors are perfect, whether for resale or for your dream home,” says Jackie Jordan, Dallas-based director of color marketing for Sherwin-Williams. “Your kitchen won’t suffer from this-looks-like-it-was-done-in-the-90s comments if you opt for a neutral palette.”

“It’s a space where potential buyers envision themselves spending a lot of time,” agrees Sue Pelley, spokesperson for Decorating Den Interiors in Easton, Md. Thus, although you may believe your purple cabinets are divine, others may think they’re dreadful. And that, she says, can be a real barrier to a sale.

The Versatility of Neutrals

But does going soft and natural mean you have to stifle your inner Van Gogh? Not a chance.

“A neutral kitchen is the perfect canvas to personalize as your tastes change,” says Jordan. “It gives you the opportunity to accessorize with fun rugs, dinnerware — even just a fresh vase of flowers to liven things up.”

“I love being able to change moods with colors, often inspired by the changing seasons,” says Wendy F. Johnson, a certified kitchen and bath designer based in Manchester Village, Vt. “Neutrals can provide the base for a huge range of related or contrasting colors to be used with them, from bright and saturated to peaceful, muted hues.”

Texture also adds enormous impact to a neutral kitchen. A combination of materials from rough to smooth and matte to high gloss creates visual contrast and reflects light differently throughout the day, says Johnson. “For example, you can mix barn wood walls and satin painted drywall, white oak cabinetry with glass insets, lustrous concrete countertops with a stone tile backsplash. These might all be in the same tones, but there is nothing boring here.”

Using Color to Complement Your Kitchen's Size

Your kitchen’s square footage is another important factor to consider when choosing a color palette. If the space is small, opt for paler hues for cabinets, walls, and countertops. Shades of white, bone, or cream reflect light and help a tiny kitchen feel brighter and more spacious.

Neutrals are also a great choice for kitchens that open up to other rooms, notes Pelley. “If your kitchen is part of a great room design, remember that any new paint will need to work with the color schemes in those rooms, too.”

Non-Permanent Ways to Add Pops of Color

Rather than committing to a single color scheme, a neutral kitchen lets you sample the rainbow. One option is to choose coordinating window treatments and chair cushions to liven up the space, says Johnson. An eye-catching poster, multihued area rug, or a collection of pottery displayed on a shelf all add personality to your kitchen and are easy to change when you’re ready for something new.

Paint is another low-cost way to incorporate a pop or two of color into a neutral room. You can grab a brush and paint your kitchen chairs or counter stools, or add a bright hue to the interior of a glass cabinet. Ready for something bigger? Consider rolling a bold shade on a single wall to create lively contrast in an otherwise single-color space.

Top Neutral Color Schemes

Neutrals may be timeless, but there are some combinations that look especially fresh. “I love warm grays and whites — always have,” says Johnson. “There are so many natural materials available in these tones that mix together beautifully, and all colors look gorgeous against this type of palette.”

Sherwin-Williams’ Jordan also favors white and light grays in a kitchen. “It’s a sleek and modern combination that works perfectly with the ever-popular stainless steel appliances and subway tile.”

When it comes to a big-ticket item like a kitchen, it makes sense to choose a palette that will endure for the long term, says Johnson. “Those of us who thrive in colorful surroundings will groan at this, but even we need some soft, peaceful environments sometimes.”

Source: "Kitchen Color Schemes: How to Avoid Kitschy Colors"

What to Expect During a Home Inspection

by The Schnoor Team

From finding an inspector to dealing with surprises — this is your guide to getting a house checked out.

The first thing you need to know about home inspection: You’ll feel all the feels.

There’s the excitement — the inspection could be the longest time you’re in the house, after the showing.

Right behind that comes … anxiety. What if the inspector finds something wrong? So wrong you can’t buy the house?

Then there’s impatience. Seriously, is this whole home-buying process over yet?

Not yet. But you’re close. So take a deep breath. Because the most important thing to know about home inspection: It’s just too good for you, as a buyer, to skip. Here’s why.

A Home Inspector Is Your Protector

An inspector helps you make sure a house isn’t hiding anything before you commit for the long haul. (Think about it this way: You wouldn’t even get coffee with a stranger without checking out their history.)

A home inspector identifies any reasonably discoverable problems with the house (a leaky roof, faulty plumbing, etc.). Hiring an inspector is you doing your due diligence. To find a good one (more on how to do that soon), it helps to have an understanding of what the typical home inspection entails.

An inspection is all about lists. 

Before an inspection, the home inspector will review the seller’s property disclosure statement. (Each state has its own requirements for what sellers must disclose on these forms; some have stronger requirements than others.) The statement lists any flaws the seller is aware of that could negatively affect the home’s value.

The disclosure comes in the form of an outline, covering such things as:

  • Mold
  • Pest infestation
  • Roof leaks
  • Foundation damage
  • Other problems, depending on what your state mandates.

During the inspection, an inspector has three tasks: To:

  1. Identify problems with the house
  2. Suggest fixes
  3. Estimate how much repairs might cost

He or she produces a written report, usually including photos, that details any issues with the property. This report is critical to you and your agent — it’s what you’ll use to request repairs from the seller. (We’ll get into how you’ll do that in a minute, too.)

The Inspector Won’t Check Everything

Generally, inspectors only examine houses for problems that can be seen with the naked eye. They won’t be tearing down walls or using magical X-ray vision, to find hidden faults.

Inspectors also won’t put themselves in danger. If a roof is too high or steep, for example, they won’t climb up to check for missing or damaged shingles. They’ll use binoculars to examine it instead.

They can’t predict the future, either. While an inspector can give you a rough idea of how many more years that roof will hold up, he or she can’t tell you exactly when it will need to be replaced.

Finally, home inspectors are often generalists. A basic inspection doesn’t routinely include a thorough evaluation of:

  • Swimming pools
  • Wells
  • Septic systems
  • Structural engineering work
  • The ground beneath a home
  • Fireplaces and chimneys

When it comes to wood-burning fireplaces, for instance, most inspectors will open and close dampers to make sure they’re working, check chimneys for obstructions like birds’ nests, and note if they believe there’s reason to pursue a more thorough safety inspection.

If you’re concerned about the safety of a fireplace, you can hire a certified chimney inspector for about $125 to $325 per chimney.

It’s Your Job to Check the Inspector

Now you’re ready to connect with someone who’s a pro at doing all of the above. Here’s where — once again — your real estate agent has your back. He or she can recommend reputable home inspectors to you.

In addition to getting recommendations (friends and relatives are handy for those, too), you can rely on online resources such as the American Society of Home Inspectors’ (ASHI) Find a Home Inspector tool, which lets you search by address, metro area, or neighborhood.

You’ll want to interview at least three inspectors before deciding whom to hire. During each chat, ask questions such as:

  • Are you licensed or certified? Inspector certifications vary, based on where you live. Not every state requires home inspectors to be licensed, and licenses can indicate different degrees of expertise. ASHI lists each state’s requirements here.
  • How long have you been in the business? Look for someone with at least five years of experience — it indicates more homes inspected.
  • How much do you charge? The average home inspection costs about $315. For condos and homes under 1,000 square feet, the average cost is $200. Homes over 2,000 square feet can run $400 or more. (Figures are according to HomeAdvisor.com.)
  • What do you check, exactly? Know what you’re getting for your money.
  • What don’t you check, specifically? Some home inspectors are more thorough than others.
  • How soon after the inspection will I receive my report? Home inspection contingencies require you to complete the inspection within a certain period of time after the offer is accepted — normally five to seven days — so you’re on a set timetable. A good home inspector will provide you with the report within 24 hours after the inspection.
  • May I see a sample report? This will help you gauge how detailed the inspector is and how he or she explains problems.

Sometimes you can find {{ start_tip 84 }}online reviews{{ end_tip}} of inspectors on sites like Angie’s List and Yelp, too, if past clients’ feedback is helpful in making your decision.

Show Up for Inspection (and Bring Your Agent)

It’s inspection day, and the honor of your — and your agent’s — presence is not required, but highly recommended. Even though you’ll receive a report summarizing the findings later on, being there gives you a chance to ask questions, and to learn the inner workings of the home.

Block out two to three hours for the inspection. The inspector will survey the property from top to bottom. This includes checking water pressure; leaks in the attic, plumbing, etc.; if door and window frames are straight (if not, it could be a sign of a structural issue); if electrical wiring is up to code; if smoke and carbon monoxide detectors are working; if appliances work properly. Outside, he or she will look at things like siding, fencing, and drainage.

The inspector might also be able to check for termites, asbestos, lead paint, or radon. Because these tests involve more legwork and can require special certification, they come at an additional charge.

Get Ready to Negotiate

Once you receive the inspector’s report, review it with your agent.

Legally, sellers are required to make certain repairs. These can vary depending on location. Most sales contracts require the seller to fix:

  • Structural defects
  • Building code violations
  • Safety issues

Most home repairs, however, are negotiable. Be prepared to pick your battles: Minor issues, like a cracked switchplate or loose kitchen faucet, are easy and cheap to fix on your own. You don’t want to start nickel-and-diming the seller.

If there are major issues with the house, your agent can submit a formal request for repairs that includes a copy of the inspection report. Repair requests should be as specific as possible. For instance: Instead of saying “repair broken windows,” a request should say “replace broken window glass in master bathroom.”

  • If the seller agrees to make all of your repair requests: He or she must provide you with invoices from a licensed contractor stating that the repairs were made. Then it’s full steam ahead toward the sale.
  • If the seller responds to your repair requests with a counteroffer: He or she will state which repairs (or credits at closing) he or she is willing to make. The ball is in your court to either agree, counter the seller’s counteroffer, or void the transaction.

At the end of the day, remember to check in with yourself to see how you’re feeling about all of this. You need to be realistic about how much repair work you’d be taking on. At this point in the sale, there’s a lot of pressure from all parties to move into the close. But if you don’t feel comfortable, speak up.

The most important things to remember during the home inspection? Trust your inspector, trust your gut, and lean on your agent — they likely have a lot of experience to support your decision-making.

That’s something to feel good about.

Source: "What to Expect During a Home Inspection"

3 Perfect Days in The Heart of New Mexico

by The Schnoor Team

DAY ONE: Start in Albuquerque, where you can see the city’s top attractions, then explore Corrales, a pastoral oasis. Follow El Camino Real de Tierra Adentro, a historic trading route also known as The Royal Road, to Bernalillo, home of the Coronado Historic Site’s muraled kivas.

DAY TWO: Drive past red rocks on the scenic Jemez Mountain Trail to the natural springs and river-adjacent hiking trails of the Jemez Mountains. En route, stop in the Walatowa Visitor Center to learn more about Jemez Pueblo and Jemez Historic Site, which preserves a 500-year old village and San José de los Jemez church. Between Jemez Springs and Los Alamos, explore the awe-inspiring meadows of the Valles Caldera National Preserve.

DAY THREE: Strike out along the Abo Pass Trail Scenic Byway to visit Salinas Pueblo Missions National Monument, a trio of sites with remnants of mission churches and pueblos. Circling back to Albuquerque, stop in at Isleta Pueblo and its sleek casino and resort hotel.

Source: "3 Perfect Days in The Heart of New Mexico"


5 Home Remodeling Projects with Top-Dollar Returns

by The Schnoor Team

Not all home improvements are created equal. These will reward you the most when it comes time to sell.

Your home is in the perfect location, came at the perfect price, with the perfect lot. (Yay southern exposure!)

But the home itself? Perfect isn’t the adjective you’d use. But you knew that moving in, and now you’re ready to start making it just right.

But where to begin? How about with data? Data is that friend who tells you like it really is.

Because while any home improvement that brings you joy is priceless, not all add as much home equity as you might expect.

The “Remodeling Impact Report” from the National Association of REALTORS® has tons of data on how much improvements cost — and how much of those costs you can recoup.

Here are the best seven home remodeling projects with equity-building might:

#1 New Roof

If you find yourself sprinting for the buckets when it starts to sprinkle, getting a new roof should be your No. 1 to-do. Measuring rainfall from the indoors isn’t cool.

The cost: $7,500

The return: 109% at $8,150

Considering it’s what’s between you and the elements, it’s a no-brainer.

Not sure if you need a new roof? Signs you might include:

  • Shingles are missing, curling up, or covered in moss.
  • Gritty bits from the asphalt shingles are coming out the downspout.
  • The sun’s shining through your attic.
  • You notice stains on ceilings and walls.
  • Your energy bill is sky high.

#2 Hardwood Floors

You flip on the TV to see that your fave home reno-ing duo is it at again, flipping a ranch that’s stuck in the ‘80s.

They make it to the living room, pull back the dingy carpet to reveal hardwood floors in great condition. They’re psyched — and for good reason.

Hardwood floors are a timeless classic. Refinishing is a no-brainer. Neither will you regret adding new hardwood floors if you have none.

The cost to refinish: $2,500

The return: 100% at $2,500

The cost to buy new: $5,500

The return: 91% at $5,000

#3 New Garage Door

No surprise that a garage door replacement project made it onto this #winning list — a new garage door provides a big boost for your home’s curb appeal at a relatively modest cost.

The cost: $2,300 (for a two-door)

The return: 87% at $2,000

There are options galore, too. A host of factory-finish colors, wood-look embossed steel, and glass window insets are just some of the possibilities that’ll give your doors bankable personality.

#4 Better Insulation

Insulation is tucked out of sight, so it’s often out of mind — that is, until you’re forced to wear your parka indoors because it’s sooo darn cold.

The cost: $2,100

The return: 76% at $1,600 (plus the added savings on heating and cooling costs!)

#5 New Siding

In any color! And never paint again.

Those are two of the three benefits of vinyl siding. The third, of course, is your home’s value.

But if long-time homeowners look at you funny when you mention vinyl siding, just tell them that today’s vinyl is way better than what they remember because of fade-resistant finishes and transferable lifetime warranties.

The cost: $13,350

The return: 75% at $10,000

Want fiber-cement siding instead? It also shows a strong payback of 83%. Although it’s the pricier option — you’ll spend about $18,000 with a payback of about $15,000 — it has one thing vinyl still lacks — the perception of quality.

And quality matters. In a survey from the National Association of Home Builders (NAHB), “quality” was the one of the most important traits that home buyers focused on when house hunting.

Source: "5 Home Remodeling Projects with Top-Dollar Returns"

Displaying blog entries 1-10 of 61

©2017 BHH Affiliates, LLC. An independently owned and operated franchisee of BHH Affiliates, LLC. Berkshire Hathaway HomeServices and the Berkshire Hathaway HomeServices symbol are registered service marks of HomeServices of America, Inc.® Information is deemed to be reliable, but is not guaranteed. This is not a solicitation if you are currently working with a real estate broker. Equal Housing Opportunity