Zero-down loan program aims to expand mortgage access

MIAMI – Oct. 16, 2018 – A new effort is underway to raise the low homeownership rate among underserved groups of homebuyers.

The Neighborhood Assistance Corp. of America (NACA) is hosting several events across the country to help borrowers with low credit scores apply for 15- or 30-year mortgages with cheaper interest rates. One recent event in Miami drew thousands looking for a chance to get a no-downpayment, low-interest-rate mortgage. NACA officials say more than 10,000 potential borrowers have attended various NACA events in cities such as Charlotte, N.C., and Atlanta.

“The low rate of homeownership and number of mortgages for low- and moderate-income people, and for minority home buyers, is a national disgrace,” NACA CEO Bruce Marks told CNBC. “There have been zero foreclosures among the loans that we’ve originated in the past six years.” Bank of America is backing the NACA program with $10 billion in mortgage commitments.

To qualify, borrowers must go through an education session about the program, as well as counseling for budget planning, to make sure they can afford a mortgage payment. They also must submit all necessary documents, including income statements and phone bills.

The program serves only those who are buying a primary residence, not an investment property. The loans for 15- or 30-year fixed-rate mortgages are below market, at around 4.5 percent.

“That’s what’s going to help people who’ve been locked out of homeownership really become homeowners and build wealth,” Marks told CNBC.

However, critics of the program worry that loans with a no-downpayment requirement could carry too much risk.But program officials say buyers have “skin in the game in a real way,” meaning it’s their home and an investment for their family.

“We have seen significant wins in this partnership,” A.J. Barkley, senior vice president of consumer lending at Bank of America, said. “Just to be clear, when we get those loans with all the heavy lifting here, we’re over a 90 percent approval, meaning we actually underwrite the loans for 90 percent of the people who go through this program.”

Source: “Thousands Line Up for Zero-Down Payment, Subprime Mortgages,” CNBC (Oct. 12, 2018)

Condo for Sale!!! $99,900

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$99,900

3284 PRINCE EDWARD ISLAND CIR #2

Just in time for the Holiday’s a $5,100 PRICE Reduction!!! Great Location!!! A beautiful and well maintained condo, 2 Bedrooms and 1.5 Bathrooms, with 2 tandem parking spaces One in garage and other just behind it, Extra storage space located inside garage area. Provincetown Condo Association is a quite and very friendly neighborhood, with 24 hour security at the gate. Shuffleboard courts, Swimming pools, and Tennis Courts. Located near FSW College, Barbra B. Mann Performing Arts Hall, close to US 41. Only minutes to Florida International Airport (RSW), Bell Tower shops, Entertainment, Parks and Medical Center. Only 20 minutes to Fort Myers Beach!! Schedule your visit today!!!  MLS# 218065728

Things to know to build a home using a VA construction loan

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In a previous VAntage Point post, The Plan Collector blogged about how a Veteran could build a new home. They mention that construction to permanent loans can be “difficult to find.” Two years later, more and more lenders are now offering this one-time close product.
However, before you run out to build your dream home with no money down, take a few minutes to read and understand some the guidelines and requirements with this program.
First, you will need a licensed, insured builder that is willing to submit documentation to become an approved builder. The VA program does not allow for owner/builders. While the VA only requires that the builder be registered to participate in the program, each lender can require the builder to go through an approval process.
The borrower and the builder must submit a complete set of plans and specs for the home when applying. Additional forms will be sent to the builder to describe the specific materials to be used and the lot and surrounding area of the future home site.
The builder takes on more responsibility with this loan than with a 20 percent down conventional loan. It’s best to have your builder and lender speak and discuss this early in the process.
Closing costs are a part of the builder’s responsibility. The borrower can pay the closing costs normally associated with a purchase loan, but the builder must pay for all the construction loan closing costs and interest during closing. The VA will allow the builder to incorporate these costs into the agreement to build with the borrower.
Make sure you are building a home that is common in size and design for the area. The home must be appraised per the plans and specs given to the appraiser. If a borrower over builds for the area, or builds an uncommon home, the appraisal may come in lower than needed for a zero down payment.
Don’t build on land that is larger than what would be considered “standard and customary” for the area. The appraiser may feel that some of the land is excessive and again, you may find that the appraisal falls short of what is needed.
Finally, keep in mind that this process takes 45-60 days to process, with an experienced loan officer. If you are purchasing the land as part of this loan you will want to set the proper expectations with the land seller.
FHA and VA construction loans are in the deep end of the mortgage pool. Make sure you are working with a loan officer that understands the program.


About the author: Jerry Thomas is a construction loan officer with 23 years of experience and specializes in VA construction loans.

How to to Throw a Better Backyard Barbecue

Steal these fast, fresh tips for your next outdoor affair.
Make DIY S’more Pots
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What’s an outdoor party without some s’mores? Guests will love these adorable, individual desserts.
Let guests know what’s on the menu
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Coat a tall piece of plywood with black chalkboard paint for a professional-looking board. Blogger Nan used an overhead projector and white acrylic paint to add the “menu” graphic.
Dress up bottles in one minute flat
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Sparkling water and lemonade, jars of pickles, even soda bottles become part of the decor when wrapped in patterned paper secured with double-sided tape. Use scraps of gift wrap or wallpaper that match your color scheme.
Anchor tablecloths with rails of posies
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Skip store-bought weights and make your own by filling tiny buckets with wildflowers and a half inch of water. Just suspend the bouquets from your tablecloth using a clip and fishing line or skinny ribbon. Tie and knot one end around the handle of the bucket and the other around the clip.
Let the games begin!
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There’s no better solution for early arrivals and the post-lunch slump than a collection of no-skills-required lawn games. Set out a basket of Frisbees, Wiffle balls, and badminton rackets — along with a croquet set—all within view of the picnic table.
Help guests keep their cool
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Battle scorching sun, aggressive mosquitoes, and stifling temperatures with a few thoughtful amenities your friends will appreciate. Buy a supply of fans, plus sunblock and bug spray, and have everything at the ready when company comes.
Turn holiday lights into summer sparklers
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With a little embellishment, Christmas lights become twinkling flowering vines, crawling along a porch post and railing. To make these blooms, puncture the bottoms of paper muffin cups in the center and slide one over each bulb.
Hang lights wherever you want
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You don’t need a pergola or porch to add twinklers. Stylist Emily Henderson creates posts for string lights by filling buckets with rocks and anchoring bamboo polls in them.
Set a pretty tablescape
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Set a pretty outdoor table with some of our favorite finds.

Houses of famous people that are for sale now

KARL LAGERFELD’S VERY ORNATE, VERY ’90S GERMAN VILLA
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If you have a few million spare euros laying around, you can now live like Karl Lagerfeld—or at least the way he lived in the ’90s. Lagerfeld’s former German villa, where he lived between 1991 and 1998, is going on sale. The property is named Villa Jako, in honor of Lagerfeld’s longtime partner Jacques de Bascher, who died in 1989. As Women’s Wear Daily reports, the villa is in Hamburg’s exclusive Blankenese district.
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The three-bedroom house, originally named Villa Schüler, was built in the 1920s for shipping magnate Herrmann Witte, and it resembles a Roman villa, complete with a grand facade and multiple columns.
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The 12,000-square-meter hilltop villa also features a grand living room that spans the entire length of the property, a first-floor gallery that also serves as a library, and round-arched glass doorways that open directly onto the garden and terrace, leading to gorgeous views of the River Elbe.
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While Lagerfeld sold the property in 1998, the current owner kept some of his interior design elements, according to the listing broker, Engel & Völkers. No word on exactly which elements were kept, but the gold leaf-painted ceilings and the three bedrooms, which each feature an en-suite bathroom and dressing room, are a marvel.
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Interested? The property will set you back a cool 10 million euros.
ROB LOWE MONTECITO ESTATE
‘West Wing’ actor Rob Lowe and his wife, Sheryl Lowe, a jewelry designer, have listed their Montecito estate for $47 million. According to Lowe, it’s the perfect time to unload the property. “With our boys now out of the house, we’re looking forward to our next real estate adventure,” he said.
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Inside the classically-inspired home, which is known as Oakview, you’ll find six bedrooms, eight full bathrooms, three half bathrooms, a wine cellar and a screening room. Suzanne Perkins of Sotheby’s International Realty, Inc. has the listing. Scroll down for a look inside the stunning gated property.
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The couple worked with a team of design professionals, including architect Don Nulty, interior designer Kyle Irwin, landscape architect Mark Rios, and David Cho, a feng shui expert.
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THE HOME IS APPROXIMATELY 10,000 SQUARE FEET AND SITS ON 3.4-ACRES.THE WELL-MAINTAINED GROUNDS INCLUDE ROSE AND VEGETABLE GARDENS.
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IT’S A COMBINATION OF TRADITIONAL EAST COAST STYLE AND THE LEGACY OF THE VIRGINIA COUNTRYSIDE. THERE’S ALSO A TWO-BEDROOM GUESTHOUSE WITH A KITCHENETTE AS WELL AS AN 800-SQUARE-FOOT POOL HOUSE WITH A FULL KITCHEN AND BEDROOM.
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PLUS, THERE’S A CHAMPIONSHIP TENNIS/SPORTS COURT WITH TWO OBSERVATION AREAS.
AOL CO-FOUNDER JAMES KIMSEY’S DC-AREA HOME
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A Northern Virginia estate that was once owned by AOL co-founder James Kimsey has been listed for $63 million, making it one of the most expensive homes in the greater Washington, D.C., area. Kimsey, who passed away of cancer in 2016, built the 24,500-square-foot, six-bedroom main house in 1999. Scroll down for photos of the estate, including a Frank Lloyd Wright-designed guest house. Plus, see a Matterport 3D tour of the main home.
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THE FRONT OF THE ESTATE IS ITALIANATE-STYLE AND FEATURES LIMESTONE. THE PROPERTY IS KNOWN AS “THE FALLS,” A REFERENCE TO ITS LOCATION OVER MCLEAN’S GREAT FALLS PARK. IT SITS ON APPROXIMATELY THREE ACRES.
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IT FEATURES SIX BEDROOMS, A SPACIOUS DINING AREA, A TENNIS COURT.
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THE GUEST HOUSE WAS DESIGNED BY FRANK LLOYD WRIGHT.
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IN ADDITION TO FRANK LLOYD WRIGHT’S SIGNATURE RED FLOORING, THERE ARE RIVER VIEWS AND FLOOR-TO-CEILING WINDOWS.
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MUHAMMAD ALI’S MICHIGAN FARM
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Muhammad Ali bought an 81-acre farm in Berrien Springs, Michigan in 1975, almost 10 years before he was diagnosed with Parkinson’s disease. Now the late boxer’s widow is selling the property with the very specific asking price of $2,895,037 (a reference to Ali’s 37 career knockouts). Scroll down to see more photos of the estate.
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THE FARM SITS ON 81 ACRES IN SOUTHWESTERN MICHIGAN, NEAR THE INDIANA BORDER.
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Structures on the property include the four-bedroom main house along with a carriage house, pool, gym, garages, barns, and “office epicenter”.
THE GYM HAS A PRIVATE BOXING RING.
There’s also a steam room and massage room in addition to the exercise equipment.
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THERE’S ALSO A SPA TUB IN THE GYM.
THE POOL INCLUDES AN OUTDOOR KITCHEN AND BATH HOUSE.
THE GROUNDS ALSO FEATURE A FULL-SIZE BASKETBALL COURT.AND LUSH LANDSCAPING.
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THE KITCHEN IN THE MAIN HOUSE HAS AN ADJACENT PANTRY.THE CARRIAGE HOUSE HAS A DECK OVERLOOKING A POND ON THE ESTATE.
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FOR ABOUT $2.9 MILLION, IT COULD BE YOURS.

Beautiful Modern Fence Design Ideas

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When you start to pay attention to fencing—look at your neighbors’ fences or search online—you’re likely to discover quite a range of looks, from wood to vinyl to metal, from basic vertical pressure-treated or composite boards to more decorative horizontal cedar planks, from edge-to-edge layout to unique designs that look more like modern art than fencing. And with many DIY options available, you can get quite creative when it comes to beautiful modern fence design ideas.
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Today let’s look at some modern fence design ideas that might inspire you to add some creativity when installing fencing.
ERTICALLY HUNG FENCES
Traditionally, the most common design for fencing has been vertically hung fence pickets.
“Traditional” doesn’t have to mean “boring.” The clean lines of this vertically hung wood fence with horizontal elements would complement a variety of home styles. (Its current location is alongside a mid-century modern home.) The darker, muted stain color makes a lovely backdrop for colorful landscaping flowers and plants.
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This wood-plastic composite fence offers an updated look to traditional vertical fences. The fencing, from manufacturer Trex, comes in 6- by 8-foot panels that are designed to be easy to install. The composite material, which is made from recycled wood and plastic bags, won’t rot, buckle, or sag, and the board-on-board layout ensures maximum privacy while still being attractive on both sides.
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HORIZONTALLY HUNG FENCES
Vertical pickets offer a more conventional fencing look, but simply by rotating them 90 degrees to horizontal (and installing/constructing the support posts and rails accordingly), you get an entirely new look. Horizontally hung slats lend themselves to more custom designs.
This stunning poolside fence is constructed with horizontal cedar slats and helps create a relaxed yet sophisticated retreat-like backyard space.
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This massive (8- to 10-foot-tall) cedar fence built in a board-on-board design offers so much privacy—and looks beautiful doing it!
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This modern horizontal fence has ivy growing on it and trees growing in front to break up the fence and to make the fence appear to be a part of the garden/organic. Beautiful combination!
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This small fence provides a little bit of privacy but doesn’t hide the beauty of this home’s architecture and front patio pavers. (Compare it to the first massive fence in this section for a reminder of how diverse fence design can be!)
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This tall, thin-slat horizontal fence provides both privacy and a clean and contemporary border for this serene outdoor space.
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This eye-catching fence’s concrete base serves as a retaining wall for the yard behind it and also provides a level foundation for the fence above. The fence’s horizontal wood slats—themselves set horizontally—offer some privacy but still allow for air flow.
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Privacy screens are a budget-friendly alternative to fences. Even though they’re not as full as many fences, they still can add privacy, help block noise, and serve as a border for yards and landscaping.
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MODULAR FENCES
This type of fencing combines pickets or slats, hung either horizontally or vertically, with a more substantial base, oftentimes made of poured concrete. These fences are popular around houses that don’t have a large front yard separating the home from the sidewalk and street for the security and privacy they provide.
Although it was designed for the aforementioned security and privacy, there’s a beauty and sophistication in the combination of colors, textures, and materials in this modular fence.
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In this version, the base is higher and matches the color and texture of the house close behind it. The more open slat design offers some privacy yet still gives off a warmer, almost welcoming feeling.
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DIY FENCES
Designing and building your own fence might not be out of the question if you’ve got some construction or craftsman skills. Many tutorials are available online, such as  one from HGTV or another  from The Home Depot, but the process is pretty straightforward: once you decide on the type of fence you want, measure and mark for the upright fence posts, dig the post holes, set the posts securely in the holes with gravel or sand plus concrete, attach the rails to the posts, and attach the pickets or slats (or panels, if you’re using them) to the rails.
Note this is a very simplified summary of fence-building, so if you’re interested in installing your own fence, be sure to do some research and so you know and understand all the necessary steps before you begin.
Building your own fence might be another option for you. Here’s one way to do it.
STAINS AND FINISHES
If you choose a wood fence, you want it to look nice and last for years. To help prevent your wood fence from deteriorating due to exposure to weather, heat, and time, it’s important to seal it. Wood stains and sealants help lock out moisture, guard against the sun’s damaging UV rays, and extend the overall life of your wood fence. Stains are available in solid (similar to paint, solid stains completely hide the visual wood grain), semitransparent (these allow some of the wood grain to show through), or clear (clear stains protect while allowing all of the wood’s natural color and grain to show), and many are timetable so you can choose the color you want.
If you opt for a composite material for your fencing, chances are you won’t need to worry about sealing or otherwise finishing it. That’s part of the convenience of these materials.
Metal fences need a coat of paint and often a primer coat underneath. Experts recommend an oil-based paint over latex for its durability.

Ways to Have the Best Summer Ever

Here’s how to have a summer you’ll never forget.
1.Greet Guests With a Vintage Touch
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Hang a pretty pastel watering can over your front door and fill with fresh flowers for an easy decor upgrade.
2. Find the Perfect Porch Furniture
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There’s something about finding a great swing or the most comfortable wicker furniture for your porch or patio that makes it truly feel like summer.
3. Make a DIY Backyard Connect Four Board
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While there are several outdoor games you can play with your kids this summer, they will love this life-size Connect Four game you can have in your yard all summer long.
4. Brighten Your Front Door with a DIY Summer Wreath
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Welcome guests with a personal message by crafting a DIY summer wreath for your front door.
5. Host a Backyard Bash
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We tend to think of barbecues and picnics as the only options when it comes to fuss-free outdoor dining, but it’s totally possible to host an elegant, stress-free outdoor dinner.
6. Hang String Lights Over Your Porch
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Add some twinkle to family game night or a relaxing afternoon by hanging string lights on your front porch.
7. Spend a Lazy Afternoon in a Hammock
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Let’s get real here: Can you think of anything better than spending your day napping in a hammock like this one?
8. Make Your Own Salsa
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There is no greater testament to a salsa’s amazingness than its ability to make you eat an entire bag of tortilla chips. Whether it’s tried-and-true pico de gallo or salsa fresca, or a more unique recipe with ingredients you have to look up, salsa can be relied upon to provide a light, summery counterbalance to salty fried dishes or accentuate the flavor of all manner of meats and vegetables.
9. Decorate Your Home for the Fourth of July
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Hang patriotic pleated fans from your front porch for the holiday.
10. Step Up Your Outdoor Entertaining Game
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By adding color and state-inspired details to your table, you can easily freshen up your dining table’s look for your next dinner party.
11. Gather Friends for a Cookout
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Long summer nights are best spent in the backyard with a group of close friends.
12. Make Homemade Ice Cream
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When made from scratch with the season’s sweetest ingredients, ice cream captures the essence of summer. Give everybody something to scream about with these yummy ice cream flavors you can make at home.
13. Hang Up a Rope Swing
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Kick that tire to the curb! This elm disk—stunning in its simplicity—offers a much classier ride to play on.
14. Sleep with Your Windows Open
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Turn off the A.C. and spend at least one summer night falling asleep to the sounds of crickets, frogs, and the soft summer breeze.
15. Take a Canoe Ride
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Spending at least one summer afternoon in a canoe is a must!
16. Make a Dish with Your Backyard Garden Bounty
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From spinach to mushrooms to peppers, let backyard edibles the stars of your summer meals.
17. Get Outside and Play a Game
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Bright idea: A few chalked lines can turn a deck into a game board for oversize chess pieces. Other fun ideas for lawn games? Croquet, bocce, cornhole, lawn darts, ladder toss—the list goes on and on!
18. Take a Hike (or a Bike!)
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Gather friends, family, and, of course, pets for a long hike or bike ride on a cool evening.
19. Start a New Collection
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Whether you’re planning on checking out a new antique store, trying out a new hiking trail, or just hanging at home, find something—like vintage maps!—that you can spend the whole summer collecting.
20. Host a Yard Sale
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Spring isn’t the only time to do a bit of purging! Spend some time this summer getting rid of excess household items by hosting a weekend yard sale.
21. Visit a Farmers’ Market
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These days, farmers’ markets offer more than just nature’s finest and freshest produce.
22. Take a Nap Under a Tree
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Need we say more?
23. Take in a Baseball Game
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Whether you live in a major metropolis or a small town, chances are you’re never far from a baseball game. It’s a good thing, too, because with its dusty fields and open stadiums, baseball is summer’s perfect complement. So gather the family, don the colors of your favorite local team, and spend time outdoors enjoying America’s favorite pastime.
24. Pick Wildflowers
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From wild columbines to prairie roses, summer is full of gorgeous blooms. Pick a bunch and use them to create a beautiful centerpiece—kitchen canisters make great impromptu vases at a backyard picnic. Mix tulips with wildflowers and group the blooms by stem length for a casual-yet-stylish display.
25. Make S’mores Around a Bonfire
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End a perfect evening with friends and family by enjoying s’mores around an open fire. All you need to make this summer-camp classic are bamboo sticks, graham crackers, chocolate, and marshmallows.

June is National Homeownership Month

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WASHINGTON – June 1, 2018 – June begins National Homeownership Month, a time of year when the U.S. Department of Housing and Urban Development (HUD) and others mark the importance of owning a home and the impact it has on the lives of American families, local neighborhoods and to the nation’s economic health.
This year’s theme is National Homeownership Month 2018: Find Your Place.
“Homeownership serves as an enduring symbol of security and prosperity, and it provides many Americans with a legacy they can pass down to their children and grandchildren,” says HUD Secretary Ben Carson. “During National Homeownership Month, we recognize the abiding value of owning a home, and we rededicate ourselves toward helping hard-working families to find their place in the American dream.”
For generations of families, homeownership has been essential to achieving the American dream. Beyond the emotional benefits, homeownership builds household wealth.
The U.S. government has historically promoted homeownership. Since 1934, more than 47 million households purchased a home with mortgage loans insured by the Federal Housing Administration (FHA). During the housing crisis of a decade ago, FHA played a critical role in keeping affordable mortgage financing available for millions of qualified borrowers.
Today, home sales have returned to pre-crisis levels and home prices are on the rise in most parts of the country.
HUD and FHA homeownership notes

  • The median net worth of a homeowner is nearly $200,000 – 36 times greater that of the median renter who had just over $5,000.
  • Homeowners move far less frequently than renters, making it easier to build community networks and support systems.
  • Children of families who own their homes are more likely to graduate high school and earn more income later in life.
  • In 2017, more than 1.2 million people turned to FHA to help them buy a home or to refinance into a lower cost mortgage.
  • Today, an estimated 40 percent of all borrowers turn to FHA to purchase their first home.
  • 44 percent of home purchases by African American families and 43 percent of home purchases by Hispanic families are assisted by FHA.
  • HUD’s Office of Housing Counseling (OHC) supports a nationwide network of more than 1,800 housing counseling agencies. Their mission is to provide individuals and families with the knowledge they need to obtain, sustain, and improve their housing. Read more about the benefits of housing counseling.
  • To help with responsible homeownership, housing counselors provide homeowner education, pre-purchase and foreclosure prevention counseling, assistance with creating a budget and setting financial goals, fair housing information, and a host of other services.
  • Struggling homeowners at risk of default who work with a housing counselor are more likely to get a loan modification, and are 30 percent less likely to face foreclosure, compared to similar owners who did not get counseled.

© 2018 Florida Realtors

Open House Event

322 SW 31st AVE, Cape Coral                                   $284,000

                    Header

OPEN HOUSE
11:00 AM to 2:00 PM on Sunday, May 27
11:00 AM to 2:00 PM on Monday, May 28

GetMedia
Here is a great 3 Bedroom, plus den could be made into a 4th bedroom, formal dining room and three car garage. It has a new garage door (main door). Thishome has high ceilings over 12ft. The master bedroom has huge walk in closets. The home has just
completely gone through with new tile, granite countertops, appliances, and completely been painted on the inside. This property is very close to dining and shopping. You can walk to the new Publix on Pine Island rd. It is also very close to the burnt store boat
ramp within 3 mins by car. There is also a fresh water lake right across the street from this home. This home sits on a corner lot.
• Single Family                                      • Water: Assessment Unpaid,Well
• 3 Bedrooms                                         • Sewer: Assessment Unpaid,Septic
• 2 Bathrooms                                       • Auto Garage Door
• 2276 Square Feet                               • Dishwasher
• Year Built: 2006                                  • Microwave
• 0.2408 Acres                                        • Range
• 3.00 Garage Spaces                            • Refrigerator/Icemaker
• Heating: Central Electric                  • Washer/Dryer Hookup
• Cooling: Ceiling Fans                         • View: Landscaped Area
• Cooling: Central Electric
Jeff Kraemer
239-826-5809
jkraemer65@hotmail.com

About


Rossman Realty Group
1104 SE 46th Lane
Suite 2
Cape Coral, Florida 33904
 
All information is deemed reliable but not guaranteed. Listing Courtesy of: Rossman Realty Group Inc


Everything You Need to Know About Log-Home Living

Do you dream of living in a cozy log cabin? Read this primer first.
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Although log structures originated in Scandinavia, Russia, and Eastern Europe, they are now icons of American architecture. Today, log homes come in all styles and sizes, from modest unheated weekend cabins to sprawling state-of-the-art estates.
Guide to Log-Home Living
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Long prevalent as country weekend homes, these rustic beauties are increasingly being built as primary residences. In the United States, 30,000 log homes are built each year, according to the Log Homes Council.
Building a Dream
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Typically a potential homeowner contacts a log-home manufacturer or packager, who helps to design a floor plan (or customize a stock one), then sells the logs and various other parts as a package. It is necessary then to hire a local contractor to assemble the house on-site. Building styles and species of logs vary based on the area of the country, but since many companies ship throughout the United States, numerous choices are available. About 90 percent of manufacturers use milled logs, while the rest still handcraft them. Consider a company’s trademark style and choose one that builds a look you’re drawn to (and has a quality reputation).
Log Home Primer
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1. Research Start by researching on the internet to learn the basics of log-home building, then attend log-home shows to see examples from different companies.
2. Budget Decide on a realistic budget and your basic needs in a floor plan before meeting with log-home packagers. Each company charges differently for upgrades and add-ons.
3. Investigate Before choosing a log-home packager, check to see tht they have a positive track record of satisfied clients, or are in good standing with the Log Homes Council.
4. Inspect If your dream log home is on the market, be sure to hire a certified home inspector with knowledge of log homes and their potential problems before putting in a bid.
Top 3 Maintenance Issues
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1. The Sun Apply a wood stain or preservative inside and out to protect logs from fading.
2. Cracks and Gaps As logs dry out and settle, cracks and gaps may appear. Have your home inspected (and repaired if needed) once a year.
3. Moisture Water damage can cause fissures and rot in logs. Make sure there is proper drainage around walls and regularly reapply a stain.
Coordinate the Interior
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When it comes time to decorate a log home, balance is key. There’s no need to do the entire house in a hunting-lodge theme, but an excess of modern materials will look out of place in such a rustic home. Do give a nod to the house’s provenance and innate characteristics by using plenty of natural materials, comfortable furnishings, and warm, inviting colors.
Getting the Log-Cabin Look
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Stain: Besides protecting your home’s interior from fading, a stain can provide a splash of color. Choose a golden stain to use throughout the house, or pick sheer-colored stains to individualize certain rooms.
Details: Hanging pictures and other items on log walls is a snap—even with rounded logs, pictures will hang straight. And if you move your art frequently, there’s no need to spackle nail holes since they blend in.