Rufo Realty's Blog
From the moment you decide to build a new home, you are going to be inundated with decisions to make. Most of these decisions are large and can be overwhelming at times, but it's important not to lose sight of the small details that will transform your house into a home.
These are some of the most commonly overlooked details during the residential construction process:
The Size of Your Furniture
If you intend to bring your existing furniture into your new construction home, you will want to consider the size and specifications of every piece during the planning and design process. Even if a room's dimensions are off by a couple of inches, you may not be able to situate your furniture as you like.
If you are not bringing your current furniture and you plan to purchase new pieces for your home, you will still want to carefully consider the size and layout of each room. It is important that each space is functional and provides you with the flexibility you need to make the room livable.
The Placement of Electrical Outlets
Electrical outlets may seem like one of those tiny details you don't even need to consider during the construction process, but they actually play a large role in the overall functionality of your new house. Electrical outlets need to be placed strategically so that you can add lighting, charge your phone or connect your favorite appliance wherever you need to. Don't forget to have the builder add several outlets in your bedroom as well, as this is one of the most popular places to store and charge mobile devices.
The Amount of Storage
As you work with your builder to design a floor plan, you may be more consumed with the number of bedrooms in the house or the innovative flex room that will be on your main level. While these are all important aspects of your new home design, you won't want to forget about the critical need for storage. Effective storage solutions can allow you to move into a home that can be easily organized. Extra storage upstairs, in the attic or in the basement can help you stash seasonal decorations and past heirlooms. Extra closets or a mudroom allow you to keep coats, boots and other outdoor gear out of sight and out of mind.
The Plumbing Placement
In many new construction homes, modern homeowners are taking a new approach to design. Rather than placing the laundry room on the main floor or in the basement, you can opt to have it on the second floor — which is where most of the laundry collects anyway. If you are interested in this option, you may want to discuss it with your builder early in the process so the plumbing can be designed accordingly.
When you work with an experienced and dedicated builder, you will not be able to forget these important details. The right builder will guide you through every step of the process, talking you through the largest decisions as well as the seemingly small ones.
Your credit score is one of the most important numbers to your financial picture. You know how important it is to have a high credit score. If you pay your bills on time and keep your debt down, you think that your score will be just fine, but this isn’t always the case. There are a few hidden mistakes that you could be making that are bringing your credit score down. Read on to find out what to avoid when trying to keep your credit score up and maintain it.
Too Many Credit Inquiries
Beware that every time you apply for a new loan or even just check on what type of interest rate you can get, your credit will be reviewed. You want to avoid too many credit inquiries because a high number will bring your credit score down. Always ask if a lender is pulling a hard inquiry to check your score, don’t allow too many of these credit checks.
Anything Small Can Make A Big Impact
Was there a mistake on a medical bill that you paid but it says it was unpaid? If you let this go, your credit score could be impacted. Even unreturned library books that have been turned over to collections can negatively affect your score. Stay on top of things because you never know how a small mishap can affect you.
Your Information Is Wrong
You should look at your credit report so that you can see more than just your history. You can see the information that is being reported to check for mistakes. Incorrect information can bring your credit score down. You can call the credit bureau that’s associated with any errors that you see on your credit report. It can be a little bit of a process to correct the mistakes on your credit report, but the time and effort is definitely worth it for your credit score.
Not Using your Credit
While using your credit too much is a problem, not making use of your credit at all can be a problem. Responsibly use your credit. Open a credit card and use it to make small purchases. Charge only things that you can afford and pay the balance off each month. This simple use of a card is one of the easiest ways to establish credit.
It’s important to do what you can to develop and maintain a healthy credit score. Keep all of your avenues covered to be sure that nothing hidden can negatively affect your credit score.
64 Angelica Dr, Framingham, MA 01701
2 POST OAK LANE, Natick, MA 01760
When your pocketbook determines you can’t afford a new, energy-efficient home, you can still satisfy your preferences by upgrading an older house. Try these options for improving energy efficiency in your home.
Apply for the FHA’s Energy-Efficient Mortgage program. With an EEM, you can finance an already energy-efficient home or use funds for certified home improvements that promote responsible energy use. Contact your lender to see if your state participates in this federal program.
Ask your utility provider for an energy audit. Most utilities offer this as a free service to customers. They’ll check for leakage around doors and windows, outlets and vent pipes and make suggestions for improvement, repair or replacement.
Have your home inspector check your attic spaces. You'll gain knowledge about how deep your insulation should be to keep your house warm in the winter and cool in the summer.
Hire an HVAC professional to inspect your furnace and air conditioning, ductwork, and airflow. If your ducts need cleaning, employ a service to handle that. Not only will you have improved circulation, but you'll also reduce allergens, and lower your energy costs.
Trade out traditional toilets for low-flow models. Add aerators and flow restrictors to faucets and showerheads to reduce water consumption.
Install solar-operated power vents to your attic to expel heat in the summer. Consider a solar-powered water heater too. And, if your roof can handle it, install solar panels to boost your electrical power. Many states offer rebates for solar panel installation, so check to see what’s available in your area.
Install a programmable thermostat to help you conserve energy when you are away from home.
If you have a larger improvement budget, consider big-ticket items such as a geothermal heat pump, a residential wind turbine, or a fuel cell. You’ll find that on-going tax credits for these items can save you money over the years. If your municipal codes allow it, add a roof garden or mini-ecosystem to cover your existing roof. These systems retain moisture and insulate your home from heat or cold.
Your property specialist can help you determine which homes lend themselves to these upgrades. They'll introduce you to mortgage lenders that specialize in energy-efficient loan products.