Janet Cramb & Company Real Estate



Posted by Janet Cramb on 1/10/2018

Did you know that your front door says a lot about you and your family’s personality? It can also affect how you feel about your home. After a long day of work, school and/or shuffling the kids around to practice what type of home would you like to come home to? Keep reading to learn what your current door says about you and which colors would better suit your family.

Blue

A blue front door represents a traditional, family-centered home. Your abode is a peaceful, serene place to return to after a day of work and feels like a place of refuge to visitors.  

Best for: South East, North facing front doors

White/Gray

A white front door represents a tidy and classic atmosphere within. Those who choose this door color are neat, minimalist and strongly value knowledge.

Best for: North West and West facing front doors

Red

A red front door can be found on a house whose inhabitants lean towards the elegant and charming. This is the home of a family that loves to entertain. Visitors will expect a vibrant, energetic, and exciting reception.

Best for: South, North East and South West facing front doors

Green

Homey and welcoming a green front door practically invites guests in itself. And when they come they’ll be ready for a social, warm home where they can be at ease.

Best for: South, East South, and South East facing front doors

Brown

A brown front door represents stability and warmth. Guests will feel like they are in a refuge from the chaotic world.

Best for: East and South East facing front doors

Yellow

Those with a yellow front door like to stand out from the crowd, but still, like to be a part of it. Always cheerful and happy go lucky visitors will never leave your home without a smile on their face.  

Best for: North East, North West, South and South West facing front doors

Pink

A pink front door is for hopeless romantics. Sophisticated yet eccentric the family in this home has big hearts and is always there with a tissue for a friend who is feeling down.

Best for: South, North East and South West facing front doors

Black

If black is your color of choice for your front door you’re calendar is packed with people to see and places to be. Chic and world wise you are always the center of a riveting conversation.

Best for: South East and North facing front doors

Turquoise

Laid back and relaxed is the name of the game for a family with this color for their front door. When inside their home you never feel as if you need a vacation from life.

Best for: North facing front doors

Orange

An orange front door isn’t for just anyone. This home is modern, sleek, and curated. Guests love visiting because of this family’s spontaneous nature.

Best for: South, North East and South West facing front doors

Whether you opt for a more classic color and a more offbeat one, the front door to your home is the first impression friends, family and neighbors have of your new home. Choosing a color, whether classic or quirky, that best aligns with the message you want to give to new visitors and the overall ambiance you want to create will guarantee a unique reception to your home.




Categories: Uncategorized  


Posted by Janet Cramb on 1/3/2018

Houseplants may seem like a strange thing to bring into your home. Plants belong outside, don’t they? Plants and people actually have a relationship where they need one another. Plants produce much-needed oxygen for humans. Humans release carbon dioxide, which plants need to perform photosynthesis. Plants should be placed throughout the home, especially in bedrooms, to release fresh air throughout the night when sleeping. Essentially, the right plants in your home can help to improve your overall health and well-being. 


Increases Humidity


Many people complain of having dry air in their homes. Plants actually release about 97 percent of the water that they take in. This moisture is released back into the air and increase the humidity in the air. This means that putting several plants together can really help to increase the moisture levels in a room. Having a more moist room helps to keep respiratory symptoms from flaring up as well as decreases the number of colds, dry skin flare ups, and other ailments associated with dry air.     


Natural Air Purifiers


Plants are natural air purifiers. They remove toxins from the air and even get rid of a large percentage of volatile organic compounds (VOCs). These compounds can be found in everything from paint to newspapers and textbooks. VOCs are actually transformed into food for the plant. 


Just How Many Plants Should You Have?


To improve your health and the air quality in your home, you’ll want to place plants about every 129 square feet. For air purification purposes, you’ll want to place about 16-18 plants in an 1800 square foot space. This may sound like a lot, but if you consider spreading plants throughout your home, you'll fill the quota fairly quickly. Larger plants can also be used, placing one or two per room to fill this suggested requirement.  



Best Houseplant Choices:


  • Gerbera daisy
  • Spider plant
  • Boston fern
  • Philodendron
  • Snake plant
  • Peace lily


These plants all have different benefits but most are best known to purify the air, improve happiness, and increase well-being.

If you don’t have a green thumb, you should definitely get one. Most houseplants are not that hard to take care of. It’s easy and fairly inexpensive to equip your home with a good number of houseplants. The greenery will also add to the ambiance and decor of your home’s overall theme. Every room, including the bathroom, can benefit from these plants. Think of houseplants like another member of the family- one that gives you oxygen and clean air to breathe!       


 





Tags: decorating   houseplants  
Categories: Uncategorized  


Posted by Janet Cramb on 12/27/2017

For those who want to acquire a stellar house at a budget-friendly price, it pays to work with a diligent real estate agent. In fact, some of the top reasons to hire a diligent real estate agent include:

1. A diligent real estate agent knows all about the housing market.

Are you still unsure about what differentiates a buyer's market from a seller's market? No worries, as a diligent real estate agent can teach you everything you need to know about the housing market.

A diligent real estate agent will dedicate the necessary time and resources to help you become an informed home shopper. That way, you can enter the real estate market with the support and insights that you need to succeed.

Also, a diligent real estate agent is ready to respond to any homebuying concerns and questions. This housing market professional can serve as an expert homebuying resource who can help you achieve the best possible results during the property buying journey.

2. A diligent real estate agent can help you establish realistic homebuying expectations.

Although it may seem simple to look at houses and find one that can serve you well for years to come, the property buying process may prove to be much more complex than you initially thought. However, a diligent real estate agent can help you map out your homebuying journey so you can avoid potential hurdles along the way.

For example, a diligent real estate agent may encourage you to get pre-approved for a mortgage. Because, with a mortgage in hand, you can begin your home search with a clear understanding of how much money you can spend on a house.

A diligent real estate agent may ask you to differentiate between "must-haves" and "wants" for your dream residence. And with a homebuying checklist in hand, you can narrow your home search and accelerate your quest for the perfect residence.

3. A diligent real estate agent can help you handle homebuying negotiations.

Let's face it – homebuying negotiations can be tricky, particularly if you're forced to work with a stubborn home seller. But with a diligent real estate agent at your side, you can get the assistance you need to purchase your dream house at your ideal price.

A diligent real estate agent can negotiate with a home seller on your behalf and keep you up to date at each stage of a negotiation. Then, as homebuying negotiations progress, a diligent real estate agent will be able to offer tips and guidance to help you make informed decisions.

In addition, a diligent real estate agent can help you minimize stress throughout homebuying negotiations. If these negotiations become too stressful, a diligent real estate agent will do everything possible to help you stay calm, cool and collected as well.

If you're planning to buy a home in the near future, hiring a diligent real estate agent is a must. This housing market professional will do what it takes to ensure you can purchase a wonderful residence that matches or exceeds your expectations.




Categories: Uncategorized  


Posted by Janet Cramb on 12/6/2017

Many people find themselves repeatedly shocked by the price of their groceries at the checkout line. The price of food seems to go up every week and most people feel like there's little they can do about it but cut corners in other places. There are, however, many frugal eating habits you can build that will save you a ton of money on food, whether it's on groceries or eating out. Follow these frugal eating tips to start saving this week.

Set down ground rules on eating out

You don't have to totally deprive yourself of the luxury of eating out to save money. But there are many ways you can cut back on spending. Start tracking your spending by using a budgeting app, by checking your bank account, or just by using a pad of paper. Keep track of every quick stop for a sandwich, every trip to a fast food restaurant, and even every coffee you buy during the week. Many people are shocked to find that they spend up to $100 a month just on their daily caffeinated beverages. Now that you know the damage you'll be more motivated to make a change. Switch to making your own coffee. Buy yourself a nice travel mug and make it your best friend. When it comes to dining out at restaurants, make them special occasions. Decide with your significant other on two or three days of the month (every other Saturday maybe) when you'll go on a date night together. If you're flying solo, treat yourself to the same two nights out, whether it's just you or you're with friends.

Save on groceries

There are a number of ways to spend less at the checkout line that won't require you to eat any less or sacrifice nutrition. In fact, many of these tips will actually be healthier for you depending on your own eating habits and nutritional needs.
  • Buy in bulk. Certain staple items are much less expensive when bought in bulk. Rice and dried beans come in huge bags that will last months and there are an unlimited number of recipes you can make with these two items. Other great items to buy in bulk: frozen vegetables, pasta, cereal, oatmeal, toilet paper, and trash bags.
  • Cut back on meat. Americans eat a lot of meat. It isn't uncommon for some families to have meat every night of the week. If that's the case for you, try having one meat-free meal day. That alone will save you up to $15 per month. Vegetarian and vegan food options are endless and delicious, so you might soon find yourself spending less and less on meat at the grocery store.
  • Cook your lunches in advance. Rather than starving at lunch or suffering the same peanut putter sandwiches every day, make all of your lunches for the week on Sunday afternoon. There are a ton of bulk lunch recipes around the internet. Some suggestions: burritos, personal pizzas, crock pot meals, and stir-fry recipes are all easy to package for the week and store in the refrigerator or freezer.
  • Make a menu and a shopping list. Most people jot down a few things they need and then choose other items at random at the grocery store. Instead, make a menu for the week and buy only what you need.
  • Research frugal recipes. There are several books and websites devoted to frugal recipe ideas. How frugal? Some recipes are filling, nutritious, and cost as little as $1.00 per person to make.





Posted by Janet Cramb on 11/29/2017

No income verification mortgage loans sound like a great idea. Also known as stated loans, these are easier to obtain than traditional mortgages. You won’t have to go through endless amounts of paperwork that traditional mortgages require. Think again. These types of loans are high risk and borrowers may have a hard time paying these loans back. Many lenders have removed these kinds of loans from their list of options. In certain circumstances, these loans can work for you, but you have to do your homework. 


Where Can You Get A Stated Loan?


Some lenders still provide these stated loans with no verification process required. Unlike earlier times, these loans are now pretty difficult to obtain. Typically, this type of mortgage is geared towards the self-employed and requires a large down payment. Also, the borrower must have a very good credit score to be considered for the loan. 


Are Stated Loans Unaffordable?


Since these loans come at very high interest rates, they are often seen as unaffordable due to the high monthly payment. Stated loans can have double the interest rate of what the current available mortgage rates are. However, if you don’t have many options, or are in a hurry to get a home and have money in the bank, it could work well for you.  


Could A No Income Verification Loan Be Right For You? 


If you really want a home loan, the first step is to be truly honest about your income. If you find a beautiful home and know that it’s out of your price range, you could risk defaulting on the loan. 


To truly understand what you can afford, you’ll need to figure out all of your monthly expenses including taxes, mortgage insurance, phone bills and grocery bills. This will give you a full picture of your finances. Once you look at all of these factors, you may find that it does make the most sense for you to get a no income verification loan. 


Deciding On The Type Of Loan You’ll Get


If you find that you need a lower monthly payment, it may make more sense for you to go after a traditional home loan. If you’re self-employed and know that your options are limited, a stated loan certainly is an option for you, you’ll just need to understand the risks of the entire process. You’ll also need to have a bunch of documents ready for the lender once you decide to go for the home loan. You can compare the costs of a no income verification loan to a traditional mortgage. Then, you can ask your lender what they’ll need from you in order to verify everything for the traditional mortgage. Any good broker can help you through your decision-making process. You’ll want to be well informed and compare all of the programs along with their fees. You should get recommendations on a lender who has the knowledge and experience to help you find the home loan that’s right for you.




Tags: mortgage   mortgage rates   loans  
Categories: Uncategorized