Every square foot of your home is valuable. Here are seven storage solutions that take advantage of underutilized nooks and crannies. And just for fun, we did some back-of-the-napkin calculations based on the average price per square foot of a U.S. home ($81)—so we could attach a theoretical value to the bonus space.
Read more: http://www.houselogic.com/photos/home-improvement/7-storage-solutions-you-didnt-know-you-had/slide/stairway-to-storage-heaven/#ixzz2S30zOzpd
Throughout January, we shared four bloggers’ amazing pantry transformations. If you missed the projects or need a reminder, here’s a recap. Then, vote for your favorite and feel free to share a picture of your own cool pantry in the comments section.
Read more: http://www.houselogic.com/blog/kitchens/pantry-organization-makeovers/#ixzz2S2rAwHUC
“Oakland Hills” is most commonly an informal name for that section of the Berkeley Hills range which extends along the eastern side of Oakland, California. In recent decades, it has become the more common popular term although it remains “officially” incorrect among geographers and gazetteers. Before the establishment of the University of California in Berkeley, the range was called the Contra Costa Hills.
To add confusion, the common usage often also includes another officially unnamed ridge which runs in front (west) of the Berkeley/”Oakland” Hills, as well as the linear valley enclosed between the two ridges in the Montclair District along State Route 13. This other ridge, a shutter ridge created by the Hayward Fault, lends its informal name, “Rockridge“, only to the district of Oakland at its northwest end, although it extends southeast to the junction of Highway 13 and I-580 in East Oakland and includes most of the small residential community of Piedmont, California.
The owners, Forrest McClain, 49, and his wife Lorri McClain, 48, purchased this property in the well-heeled neighborhood of Tuxedo Park in Atlanta, in 2005. They purchased the home for $3.5 million, according to public records
Pre-Approval & Pre-Qualification
For many new homebuyers, the terms pre-qualification and pre-approval seem interchangeable. But they are not — and the distinction is an important one.
When you get pre-qualified, I perform a quick check to determine generally how large a home loan you can afford. Essentially, when a buyer is pre-qualified, the lender is saying it wouldmost likely approve the buyer for “x” amount.
In order to get pre-qualified, you’ll need to provide me with some basic information on gross monthly income, other reliable reoccurring income, the balances and payments on current debts, and how much money has been saved for a down payment. Qualifying ratios are applied to those figures to determine what percentage of your gross monthly income can be used to pay for the home loan and attached expenses.
Pre-approval goes much deeper. In order to issue a pre-approval, I need to examine and verify your debt, income, savings, assets and credit report to ensure you can repay the loan amount. Where pre-qualification is a sort of educated guesstimate of the buyer’s purchasing power, pre-approval says the prospective lender would definitely be approved for the loan.
This is particularly useful when home shopping for multiple reasons. To begin with, pre-approval instantly lets you know what your actual budget is. When you begin home shopping, knowing what you can afford from the outset will help you and your real estate agent better focus your efforts to find the best home for your money. It sets the scope of your home-buying strategy.
Once you find a home within your budget that you like, being pre-approved provides you with an advantageous position over other buyers, because pre-approval assures the seller that you have access to the loan necessary to back your offer. I will provide you with a letter or certificate demonstrating that you are pre-approved for a certain amount of money, which you can provide as part of your offer.
Would you, a relative or a friend like to learn more, or get pre-qualified or pre-approved for a home loan at no cost? Please contact me and I will be happy to help you!