Decorating Guides

The way to Decorate With Chocolate, Blue and Burgundy

Outside of the occasional fabric pattern, blue and burgundy rarely come together from the sphere of interior decorating. Although it’s uncommon, this combination works because of the blue undertones discovered in burgundy, a color comprised of warm red, deep blue and a hint of black. Chocolate brown is recognized as a neutral color that naturally pairs with both blue and burgundy.

Cozy Bedroom

Create a warm, cozy bedroom with chocolate brown paint on the walls. Balance the dark walls using an ice blue comforter or bedspread, which contrasts nicely with dark brown. Accent the bed with toss cushions featuring a dark blue and burgundy design or solid pillows in colours of navy and burgundy. Drape a burgundy or dark brown toss over the foot of their bed or the back of a navy blue seat. Consider bedside table lamps with burgundy or dark blue colors.

Dramatic Dining Room

Paint the walls in a dining room with an appetizing shade of burgundy, reminiscent of a fine wine. Treat the windows using floor-to-ceiling chocolate brown drapes, repeating the rich color in an area rug anchoring the dining collection. Include jewel-toned blue accents such as a floral centerpiece with dark blue flowers, a set of deep blue vases on a sideboard and cobalt blue glassware displayed in a hutch or china cabinet.

Elegant Living Room

A combination of navy and burgundy upholstered furniture pieces at a living room can easily be tied together with an oriental or Persian-style area rug featuring both navy and burgundy. Use a lavish upholstery fabric such as velvet or micro-suede to match the upscale look of the rug. Unify the grouping further by accenting navy upholstery using burgundy cushions, and vice versa. Balance all of the vibrant upholstery using impartial wood furniture and lampshades or honeycomb cellular window colors in chocolate brown.

Stately Den

For a rich, masculine look in a den, then use oversized brown leather furniture accented with dark burgundy cushions and floor-to-ceiling navy drapes. Alternatively, use dark burgundy leather upholstery combined with navy cushions and chocolate brown plantation shutters on the windows. Search for wall artwork featuring hues of blue and burgundy. Complement the furniture using a dark navy accent wall, but consider a lighter hue on the rest of the walls to balance out all of the dark colours. If your style is more contemporary, use modern, low-profile leather furniture and textile colors in navy or burgundy to get a streamlined look.

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Decorating Guides

The way to Get a Primitive Look on White Painted Paneling

White painted paneling bounces light around and wears a faint air of summer beach house, even in the dead of winter. When your decor aesthetic is archaic, transform blinding white planks to your gently worn, faux-aged background for the own folk art which says “home.” You can add or remove to achieve a distressed and wrapped finish that is rich in character and showcases a milk-painted farm cabinet or a wall-mounted weather vane. Use the finishes by hand in a well-ventilated space, and wear a painter’s mask when sanding so you’re not breathing dust.

Sand protruding panel edges and corners gently, to remove paint where time would have worn it away naturally. If you’re lucky, the sanding will show another paint color beneath the white topcoat, but a glimpse of timber is fine, also.

Mix a bit of burnt umber universal tint in the paint shop with water and then rub it over the paneling. Experiment with the mixture proportions on a piece of painted scrap timber to get the aging effect you desire. White paint wasn’t pure white in Colonial times; rather, it was cream, like buttermilk, and yellowed even more with age. The tint takes the modern shine to create a richer, more authentic hue.

Apply the tint alternative with a clean rag, wiping off some of this tint with another clean rag as you go for subtle aging. Allow the tint to dry fully before waxing the planks.

Rub liquid beeswax over the paneling; allow it to dry and then buff it with a clean dry cloth. Beeswax adds a soft, dull gleam to pointed paneling. It was used in early American rural and city residences to protect timber and painted surfaces, and it’s environmentally green — nontoxic to use and to live with.

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Renting and Tenant Rights

Landlord Rights for a Notice

California statutes, along with the statutes in all other nations, provide several kinds of notice requirements related to landlord and tenant associations. One sort of notice requirement is that associated with the tenant terminating certain forms of lease or lease agreements, including monthly contracts. In California and several other states, the 30-day note is used in such situations.


The operation of this 30-day note is to give the landlord with a sensible period of time to commence the practice of searching for a new tenant to occupy the premises when a tenant vacates.


All states maintain laws that need some type of notification to the landlord when a tenant intends to vacate the premises. By way of example, using a month-to-month rental, most states’ laws require notice to be given prior to the first of this month. The final day of the month following the note becomes the last date that the tenant is permitted at the premises. The renter pays rent for the whole month. California law is different because a 30-day note is permitted any time throughout the month, with the last date of occupancy 30 days from the date that the notice is delivered to the landlord, according to the California Department of Consumer Affairs.

Lease Conditions

California law permits the landlord and tenant to enter into a rental arrangement that modifies the notice principle that otherwise exists, according to the California Department of Consumer Affairs. By way of example, instead of a 30-day note, the tenant and landlord may agree, in a written rental agreement, to inflict a 10-day note in its place.


A common misconception is that a renter doesn’t need to offer a landlord with any type of notice in the event the rental is month-to-month. The misconception is that the renter merely vacates the property in the close of the month, whether or not she provided notice to your landlord. In reality, the landlord is whatever period is agreed to in the rental contract, or entitled to a note.


Your landlord’s rights to a 30-day notice include the ability to look for lease for an additional term — usually 1 month — if the tenant fails to give proper notice. The landlord is entitled to this additional lease regardless of if the tenant remains in the property. The landlord can deduct this additional rent charge from the safety deposit, based on”The California Landlord’s Law Book” by David Brown, Ralph Warner and Janet Portman.

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Eclectic Homes

How to Refinance & Get an FHA Loan

The Federal Housing Administration (FHA), a Part of the Department of Housing and Urban Development (HUD), insures loans. When a borrower defaults on an FHA product, the government steps in and repays the creditor the delinquent amount. Homeowners in various scenarios may be eligible for an FHA loan. Considering that the home crash and mortgage catastrophe that took hold across the nation beginning in 2007, the FHA has focused a significant part of its efforts on struggling homeowners.

Speak to a participating FHA lender. HUD and the FHA don’t lend money. The government guarantees loans approved by banks offering FHA products. Since FHA notes on its site, homeowners generally look to FHA refinancing if they are struggling in their present mortgage.

Ask the FHA lender you contact about the government’s choices for homeowners who owe more on their mortgage than their home is worth. Effective September 7, 2010, FHA lenders can provide eligible homeowners that are present but”submerged” in their current mortgage the opportunity to refinance into a FHA fixed-rate item. Under the policy, lenders must agree to forgive at least 10 percent of the balance on a submerged homeowner’s first mortgage, bringing the worth of his loan down to a max of 115 percent of his residence’s present price.

Compile documentation that verifies your employment and income history, such as tax returns and pay stubs. Make sure your credit report is in order. You can acquire a free copy from each of the significant credit reporting agencies in the yearly Credit Report site. Prepare to describe any credit flaws. While FHA products are widely known for their stringent qualifying standards relative to conventional loans, you still should prove you could make the payments on your refinanced loan.

Check eligibility standards for the FHA underwater refinance option. By way of example, HUD reports that debtors should have a FICO credit score of at least 500 to qualify.

Compare yourself against current FHA approvals if you are trying to find a loan aside from the underwater refinance option available at September 2010. Since points out, you might want to take into account an FHA loan if you are in an adjustable-rate mortgage with a monthly payment that become unaffordable. To qualify for an FHA refinance outside of a unique program, however, you might require a fantastic credit score. In June 2010, HUD reports that the average FICO score of debtors approved for an FHA refinance was 694. FHA lenders approved almost 30,000 refinance applications in June 2010; over 20,000 were adjustments from conventional to FHA loans.

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Eclectic Homes

How to Rent a Single-Family Home

Tenants who lease a single-family home rather than a flat in a multifamily home enjoy more solitude, yard area and silent. A house also gives most tenants a larger sense of homeyness and permanence, even if the ultimate aim is home ownership or a eventual move into another rental. Make the practice of locating your home, completing your rental program and preparing to sign your rental faster and more efficient by following a few basic steps.

Know how much rent you can pay. A safe guideline is 25 to 30 percent of your gross monthly earnings. Proportionately higher rent reduces the chance your program will be accepted because it increases the risk that you’ll default on your rental.

Collect documents before you start taking a look at houses, you’ll need for your program. Prospective landlords may want to view pay stubs, several months’ worth of bank statements, a current –not older than 30 days–credit file, and references from your employer and present landlord.

Pick when you’d love to move in the house and for how long you want to lease it. Most leases begin on the first of this month and expire after a year. But it is frequently possible to add a clause to the rental allowing you to occupy the house early to get a pro-rated lease amount. Some landlords offer yearly leases.

Research available houses, and schedule appointments to look at the ones you’re most curious about. Many resources are available. Free online classifieds are the principal source of rental listings in many cities. There are lots of sites dedicated particularly to single-family houses that real estate brokers, property managers and private owners list for lease. Real estate professionals, including rental listing referral agents and rental residence and apartment locators, may charge a fee for their services. In the end, newspaper classifieds continue to be a popular source of ads for rental houses.

Submit an application just after you have read the rental and decided the terms are okay. You may negotiate the terms.

Walk through the house after your application is approved, and observe any damage prior to signing the rental. This step is especially important in a single-family residence, as problems can go unnoticed. Make sure that the faucet runs hot water. Inspect ceilings for water stains. Start looking for indications of moisture from the basement, for example water stains along the lower parts of the walls and a musty odor that could signify mold. Have the landlord clarify items of concern and also signal the list of defects to ensure you will not be billed for them as soon as the lease expires.

Bring a cashier’s check for the total amount because of your rental signing. Most landlords require first and last months’ rent, plus a security deposit equivalent to one month’s lease.

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Budgeting Your Project

What Are Sale Strategies?

Short sales are house sales in which the creditor takes less than what is owed to the mortgage. A dealer initiates a brief sale when his house is worth significantly less than the mortgage and he can’t keep up with the mortgage obligations. A creditor isn’t required to take a brief sale; it may choose to foreclose rather than

Sellers: Work with Your Lender

A 2008″Washington Post” article looking at short sales in northern Virginia reported that just one in 20 short sales offers there actually resulted in a sale. The reason? The lender review process. Each creditor has its own review process and time line, which range from weeks to months. Because lenders don’t need to encourage borrowers to default on loans just because their houses are”under water” (the home is worth significantly less than the loan), they create borrowers establish they can’t continue to make payments. This is referred to as the hardship review. Likewise, the creditor wants to verify the house is indeed under water and that the selling cost is as close to market value as possible. This entails the lender’s review of a comparative market analysis (CMA) or evaluation. If the sellers have not worked with the creditor before they record their land, the hardship and CMA testimonials happen in tandem with all the lender’s review of the purchaser’s offer. In the best of worlds, the reviews are finished in 45 days. In the worst, the creditor never responds and the seller wakes up into some foreclosure one morning a few weeks or months later. The Homes Affordable Foreclosure Alternatives program (HAFA), begun in the spring of 2010, offers incentives to lenders and borrowers alike to streamline the brief sale process. It requires lenders to provide vendors with its sale provisions and review CMAs and hardship applications up front. Lenders in the application agree to operate within standard real estate transaction time frames and deadlines throughout the sales process. If you are a seller, speak to your lender before you list your house. Ask if your lender participates in HAFA, and it will be a voluntary program. If not, request a CMA and hardship review. Ask about time frames for offer reply and give your lender with whatever it asks for in its own review.

Buyers: Patience is the Key

1 consequence of long delays in brief sales is that each and every time a prospective buyer walks away from a bargain, the cost is very likely to return. Short sales are generally advertised as such in multiple listing services. If you are a buyer, know up front that the trade-off for a possibly excellent price on a brief sale is a lengthy wait in the contract review process. If you are in a hurry to close, stay away from short sales. But if you’ve found your dream house and it is a brief sale, hunker down. It may take months to close, but if you’re not in a hurry, you won’t have missed anything.

Agents: Educate Your Clients

As the broker of a short-sale buyer or seller, the most important move you can make is to highlight how long the process may take. Don’t gloss over the frustrations likely to arise after days and weeks of no response from the lending company. Instead, prepare your customers for struggle when learning everything you can about the lender’s process and its history in local short sales. Instead of customers who walk out of a deal possibly blaming you, you’ll have customers recommending you to others as a short-sale specialist.

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Eclectic Homes

Real Estate Market Analysis Defined

A real estate professional usually prepares a comparative market analysis (CMA) prior to a customer buys or sells a house. The report summarizes the estimated value of a property based on its characteristics and the conditions in the region’s housing market. Buyers and sellers can use the report to judge whether a home’s sale price is fair.


After analyzing your property for dimensions and features, a property agent generally gathers the information for a market evaluation report from the multiple listing service (MLS), a local database which includes information about property previously or presently listed for sale with a real estate brokerage and information recorded in local public records.


The actual estate agent runs a market evaluation report looking at similar homes in the area–referred to as comps, or comparables–which matches the home in query against similar homes in its own area. Typical items examined include square footage, year built, number of bedrooms and baths, and yard dimensions.

Comprehensive Report

A complete market analysis report should compare the house in question against similar information in the MLS for active listings (homes currently available ), pending listings (homes which have a contract for sale but have not closed and changed possession ), closed listings (homes that have closed in the previous six to 12 weeks ) and expired listings (properties where a record agreement for sale expired before the customer’s home sold).


Although similar in age, square footage and arrangement, other variables that influence price and a home’s market desirability aren’t taken into account when the computer computes market value and should be calculated and adjusted between the actual estate professional and customer. Usually, the computer doesn’t account for updates in interior finishes, replacement of outside items such as siding, roofing and landscaping, newer garages and extras like finished patios and spa. A difference in price might not make sense on paper, however running a drive-by trip of comparable properties for a visual perspective can provide additional information and enlightenment on value and price beyond the report.


A property market analysis is a rough estimate of a home’s fair market value and shouldn’t be substituted for an expert appraisal of value for sale or home improvement, or home inspection to identify defects and potential issues before purchasing a house.

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Eclectic Homes

How to Hunt by MLS for a House

The Multiple Listing Service, or MLS, is an assortment of private databases developed and maintained by local real estate professionals that make it easier for professionals to advertise their listings to cooperative brokers. When a property is listed in a regional MLS it is assigned a number, in chronological order of the list. It is possible for two individual listings, listed in two different MLS databases, to share the exact same MLS number. After being assigned an MLS number, the active list is included on, a real estate website developed for consumers that features active real estate listings throughout the country.

Write down the MLS number on a sheet of paper of the house. This is a number typically included in an advertisement or banner ad marketing a property, and generally includes the letters”MLS.” This number can allow you to look for the list.

Go online to

Click the link”Search by MLS #,” found below the search box on top of your home page.

Enter the MLS number in the form that opens and click”search” This will bring up all of the current listings with that MLS number.

Pick the house that best matches the home you searching for, starting with place. Click to view detailed real estate information.

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