home repair

new home furnishings

Furnishing Your New Home: 5 Things You Absolutely Need

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You’ve moved into your new home, and then you take a look around.

The older furnishings aren’t suiting the new room sizes and existing décor. They either don’t fill the space well, there’s too little of them (and replacements won’t match the existing pieces), or it’s just time to be out with the old and in with the new. 

To help you along, here are 5 things that you’ll want to get for your new home. 

A New Bed

If you’ve been dissatisfied with your existing mattress, then it might be time for a new one. 

The signs that you need a replacement include when it’s sagging in the middle, one side is lower, or it just doesn’t provide the level of support necessary for you. 

Also, if you’ve changed your sleeping posture previously – e.g. from a back sleeper to a side sleeper – then the current mattress might now be uncomfortable. 

In either case, getting a new mattress will do wonders for your sleep pattern. Be sure to search for the best online mattresses for your style of sleeping to be satisfied with the purchase. 

Desk Lamps and Standing Lamps

You may have decided to keep the existing lighting arrangements as they are. Perhaps they’re a little on the old side, but changing the lighting is not in the budget for now; other priorities are more important. In which case, what can you do to brighten up the darker rooms?

Changing to brighter bulbs is one option, but the bulb sockets will only accept up to a certain wattage. So, even with LEDs, there’s a limit to what you can do here. 

Another option is to furnish the darker rooms with standing lamps with an upplight design that projects light to the ceiling where it can spread across the ceiling. Desk lamps are also useful to illuminate common seating areas and other places where people like to relax. 


Add a bookcase to store your books and other items in an organized manner. 

If you’re moved into a larger home, perhaps these were previously put into storage or situated in the garage because the room sizes were restrictive. That’s no longer the case if the rooms are larger or there’s more of them. So, take advantage of the extra space to make your favorite books more accessible. 

Drawings or Paintings

If you dislike bare painted walls, then you’ll need some artistic drawings, paintings, or photography that’s framed to add some much-needed color and/or creativity to living spaces. If paintings are beyond your budget, then look at framed photographs – you can use some of your own – which is an inexpensive way to personalize. 

It stands to reason that before you do this, you might also wish to change the color scheme in the home first to avoid trying to cover up an ugly color with the artwork. 

Floor Rugs

If the new home has more hardwood flooring than you’re used to, then you may be facing cold floors in the morning in your bare feet. That will get old fast!

While going back to carpeting is probably not what you’re looking for, a solution must be found.

We’d suggest looking into getting a few carefully chosen floor rugs for a certain room. Make sure these aren’t areas where people will be rushing around unless you plan to stick the rugs to the floor to prevent them from slipping around. 

When you’re furnishing your home, be sure not to do too much. Overstuffing each room will make them feel smaller than they are, and that’s not your intended goal. 

garage safety tips

5 Garage Safety Tips to Safeguard Your Possessions

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It might not be the first thing that comes to mind when you’re thinking of ways to protect your home and family, but your garage truly is the first line of defense against home invaders.

What’s more, many new homeowners tend to forget that the garage can be quite a dangerous place if you have small children who don’t understand the hazards of rummaging around the garage when you’re not looking. For these and many other reasons, improving the safety and security of your garage should be one of your top priorities.

By opting for some budget-friendly upgrades and improvements in your garage (and the rest of the house), you can easily make your entire property more secure, while elevating the aesthetic appeal of the garage in the process. With that in mind, let’s take a look at the best garage safety tips that will safeguard your home, family, and possessions.

Install interior and exterior lighting

First things first, understand that a poorly-lit property is a home invader’s primary target, simply because it’s easy to approach without being seen, and because it gives out the impression that nobody is home. More often than not, homeowners will invest in interior lighting for the rest of the house, leaving the stock lightbulbs for the garage while the exterior is often left in the dark. This will often invite unwanted visitors to enter a home through the garage. 

woman sitting on orange vehicle

So, your first order of business should be to illuminate the perimeter around the garage with motion-sensor lighting, which will make it easier for you to navigate the property while deterring any intruders. You also have to make sure that the interior of the garage is well-lit as well to improve safety and minimize hazards for yourself and your kids if they’re playing in the garage. 

Pay special attention to the doors and windows

Of course, the primary way home invaders enter a property is either through the door or an unlatched window, especially the garage window that homeowners tend to leave cracked open to air out the garage. It should go without saying that you need to improve the security of your doors and windows, which is also one of the best home improvement ideas, to prevent any unlawful entry, and of course, to prevent your kids and other family members from getting injured.

Start with the main garage door, and opt for a reliable model like galvanized steel – one that can be remotely operated but has manual control features as well. Don’t forget about the service door, and opt for a deadbolt lock. You can keep the windows open, but be sure to put up bars to prevent anyone from venturing inside. That said, it’s always better to keep the windows locked as well.

Don’t skimp on the insurance

While it is imperative that you secure the perimeter and the interior of the garage, it’s also important to note that there is always a possibility that someone will manage to break inside and steal the most valuable possession in it – your car. This is why having comprehensive insurance of your vehicle is so important nowadays, because, as a homeowner, you need to have the right insurance policy at your side to protect you from every eventuality.

After all, just because you parked your car in your garage doesn’t mean that someone won’t try to claim it for themselves.

Keep the garage clean and organized

When you’re working in your garage, perhaps sprucing up your car or doing some DIY work, or when your kids are exploring and playing, you want to make sure that all hazards are brought down to a minimum.

white vehicle near tree

This means that you need to keep the space tidy and organized, and that you should keep all dangerous tools under lock and key. Cleaning the place regularly is a great way to maintain hygiene and the aesthetic appeal of the garage, and it will help you keep the interior as safe to dwell in as possible. 

Invest in an alarm system 

Choosing a home security system can be a complex and cumbersome task, however, it is necessary if you want to keep your property safe at all times. Of course, you can call in a professional to install a garage security system, or you can do it yourself by installing the aforementioned motion-sensor lighting, mounting motion-sensor cameras, and connecting the alarm system to your smartphone so that you can phone the authorities on a moment’s notice should the need arise.

Wrapping up

The garage is a common target for home invaders and thieves nowadays, simply because homeowners tend to prioritize other parts of their home when it comes to safety and security. With these tips in mind, though, you will have no problem keeping your garage safe and your home secure on all fronts.

Simple and Budget-Friendly Ways to Upgrade Your Home

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How many times have you visited friends and family members only to look around their house in envy and wish you had that same decorating flair? How many times have you also found yourself flipping through home design and décor magazines wishing that you could transform your own space into something more luxurious and stylish? 

If the budget and your lack of DIY experience have been holding you back from making these upgrades in your home, it’s time to think again. In reality, there are a number of easy and cost-effective upgrades you can make that will provide some really incredible results.

Paint Always Gives the Most Bang for Your Buck

When it comes to the ultimate simple and budget-friendly way to upgrade your home, fresh paint will always give you the most bang for your buck. By changing the colors on your walls, the entire house will take on a new feel and look. If you’re on a tight budget, just stick to the common rooms – the ones that get used the most. This could include the kitchen, family room, dining room, and living room.

Change Up Your Décor and Decorative Items

If you’re not willing to put the time and money into a full renovation project, then you can get some pretty impactful results with some simple changes. Why not switch out all those old décor pieces that have been hanging around way past their best before style date?

Things such as throw pillows, vases, decorative bowls, and even old photo frames can be taken away and replaced with new fresh pieces. What’s great about changing the décor is that you can change the atmosphere, look, and feel of the room in a very simple way.

Slipcovers Inject New Life and Style into Pieces

Part of what can make a home feel tired and less than modern is furniture that has dated fabric coverings. It doesn’t even have to be dated; it may just be worn down so it no longer looks its best. There is a very simple and budget-friendly way to get that couch, loveseat, and armchair back to “like new” condition; slipcovers

Slipcovers are meant to fit right over the existing cushions and give a whole new look to the furniture. You can instantly change up the style, fabric, color, texture, and print by using slipcovers. And what’s handy about these is that you can keep them clean by throwing them in the washing machine, or sending them off to the cleaners. Just be sure to read the label on the washing instructions.

Invest in a New Mattress

When you think of “upgrading” your home, your mattress may not be the first thing that comes to mind, but in reality, this can change your entire sleep experience. There is no work, DIY, or construction involved in this project, making it extremely simple. All it takes is some research on your part to figure out what would be the best mattress for your sleep style, budget, and bedframe. For example, if you sleep on your side, you want to use a good mattress for side sleepers that offers the perfect amount of support, alignment, and firmness.

You can take this upgrade one step further and also invest in some brand new high-quality sheets that are soft to the touch, lightweight, and are breathable. These will be the most comfortable option all year-round. 

Time to Start Your Upgrades

This is just a small look at the many upgrades you can make in your home regardless of a tight budget and very little home décor and DIY experience.

remodel tips

Remodel Tips Contractors Don’t Want You to Know About

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Your home may need to be remodeled, but maybe you are holding off. The high cost of contractors, because of these major trends in the industry, can make a lot of people put off remodeling their homes. However, remodeling raises the resale value of your home and makes it more comfortable for you to live in. It is fair to say that remodeling is an important part of homeownership. 

Don’t let the high cost of contractors deter you. In this article, we provide the top remodeling tips that contractors don’t want you to know. If you want a beautifully renovated home that still fits into your budget, read on. 

grey stove range oven

Hire Your Own Sub Contractors

Before we jump into the tips below let’s talk about one of the biggest ways to save a bundle. Mike Epson at the TheSmartConsumer.com says that “it’s easier than you think to be your own contractor. All you need is general knowledge of how something needs to be done.

You don’t even need to know how to do it.” Many contractors do not do hands-on work, many of them just take on the planning, inspection, and organizing of subcontractors. For taking on all the hassles their fees can increase a project anywhere from 10%-30%.

If you need to hire help, consider hiring subcontractors, or working with a staffing agency instead of one general to manage it all.

Remodeling tips

There are many ways that you can cut down on the costs of home remodeling. Below we’ve included the top four tips. Some are tips about DIY work you can perform, and some are ways to cut down on extra contractor costs. Each will save you money and make your remodeling plan much easier. 

Exterior painting is easy

Painting the exterior of your home is very easy. You don’t have to be a handyman to do it well. According to rl-remodeling “as long as you prepare the outside of your home to paint properly, the actual painting process is quite easy, it’s all in the prep work.” Most importantly, you will need to wash, seal cracks, and patch your home’s exterior. It takes time to tape and cover all the surfaces you don’t want the paint to get on. Preparation is often the most time-consuming step, but the effort will be worthwhile when you actually begin painting.  

While you can choose to use a paintbrush to paint the entire exterior of your home, that can get very time-consuming. I have actually seen people do this.

Instead, consider renting a paint sprayer. Anyone can use to learn these machines in about ten minutes. Plus, they are easy to rent at any equipment rental place, which saves you the cost of purchasing your own. 

If you use a sprayer to paint your home’s exterior, make sure it gets back rolled. Someone will also need to check for drips. You don’t want to have to deal with paint drips all over your lawn and patio. If you are not experienced in or intimidated by spray guns, you can also choose to rent a powered roller. These work off of a spray pump and will likely be easier for the beginner to control. 

Tiling Backsplashes and Countertops

Just as painting the exterior of your home is quite easy, so is tiling backsplashes and countertops. Many manufacturers now make a special glue that makes putting the tile in place much easier. You just glue the tile directly to drywall or the counter. It removes the need for extra backer board. This saves you time, effort, and money.

Just like painting, all of the expensive tools that are needed to install tile can be rented. You do not need to spend a lot of money purchasing them. Plus, now you can find pre-made tile backsplashes and countertops that are even easier to install. Just glue them where they need to go and you are done. There isn’t even any need for grout with some of the products out there. Tiling yourself does not cost much and will cut down on a lot of contractor costs. 

If your laying backer board on a wood subfloor one trick that the experts use is to use a roofing nailer to place short nails with big heads in place of some of the tile screws. Some installers will only use roofing nails. It definitely speeds things up, but I would recommend still using some screws with this method, probably somewhere in the 50% range, just because screws hold better and get the board tighter to the subfloor.

Even novices can do plumbing and electrical

Plumbing and electrical work can seem a little bit more intimidating than painting or tiling. And, you definitely want to do your research and make sure you are confident before you attempt any major repairs. However, there are now products, especially plumbing products, that make these tasks much easier for the novice. Let me be clear on this, do not do electrical work if you have no idea what you are doing.

Pex pipe can make any novice a plumbing expert in no time. Additionally, shark bite fittings are just pushed onto the pipe, which means you don’t need dedicated tools. Finally, as long as you have a PVC cutter and push-on fittings, you can perform almost any plumbing refit without expert-level knowledge. Plumbers literally hate that any average Joe can now attach pipes together without the use of a torch.

Just because you can easily do large plumbing and electrical remodels doesn’t mean you have to. If you choose to use a contractor, there are a few ways to cut down on costs. The biggest way to save on costs for both electrical and plumbing jobs is to do the trim work yourself. These are small jobs that plumbers and electricians can use to jack up their prices, but that you can easily learn to do on your own. 

DIY Examples of Outsourced Tasks

Plumbing trim includes

  • Connecting faucets 
  • Setting toilets 
  • Attaching shower heads

Faucets are a simple task anyone should be able to install

Macro Photography of a Stainless Steel Faucet

Electrical trim includes

  • Installing outlets and their covers 
  • Installing switches 
  • Installing indoor and outdoor lights 
  • Connecting a water heater

Electrical Covers are another simple DIY task

Remodels of HVAC systems are some of the most popular out of necessity and the most expensive. Although it is not recommended that novices install HVAC systems themselves, there are some cost-saving options. 

Ideally, you would buy the HVAC system online. This could save hundreds or even thousands of dollars. As long as you still find a licensed contractor to install it for you, your warranty would remain valid. Legally, you might not have to use an installer. Instead, you would just have to meet your city code. 

Wrapping It Up

Clearly, there are many ways to remodel your home. The ones you choose will depend on your own experience level and the type of remodel job. You can even choose to work with a contractor to make your home improvements, you just need to approach the relationship in the correct way. If you just need it done and don’t want the here a good place to start, remodeling contractors. 

As an end to this article, here are two ways to lower the cost of working with a contractor. 

Supply your own materials 

Contractors mark up the materials they use when remodeling your home. Often, contractors will claim that they can purchase the materials at a wholesale price, which theoretically would save you money. However, if they pocket the difference, then you haven’t really saved anything at all. It may be a better idea to purchase the materials yourself and provide them for your contractor. Do the math on both options before choosing the best route.  

Create a bidding war

Contractors need work. They want your business. So, if you get a few estimates, you can use the lowest to bring down the price of the contractor you really prefer. Creating a bidding war may take a little skill, but it can save you lots of money in the long run. 

The next time you remodel your home, use the tips and tricks discussed in this article. They will save you money. All that’s left will be for you to enjoy your updated home. 

home improvement ideas

7 Home Improvement Ideas for Modern Homeowners

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Our homes are our places of rest and happiness, and they deserve to be properly maintained. This means they need to be protected from leaks, pests, structural damage, natural disasters and a lot more. There are many things homeowners need to do to keep their properties whole, but are they affordable and can we DIY all of them during remodeling

Being a homeowner is not an easy task, you have to take care of the overall condition of the property, and there are tons of tasks associated with that. Doing repairs and home improvements is not a favorite task, but it’s necessary if you want to keep the quality of your investment. If you’re determined to participate in these projects actively, here are some tips to keep in mind during renovations. They will help you create a modern, safe home for your family.


Plan Carefully

Regardless if it is a bunch of small touch-ups or a major spring/summer renovation, you should start with a plan. 

The first thing you need to take into account is that the best and most affordable contractors will be booked first and probably won’t have a suitable slot for a home visit for months ahead. 

In this case, planning ahead and looking for the best price and most reliable handyman specialist seems more than relevant, advised Australian Fantastic Handyman Company. Start by making a list of all the closest contractors, then start checking them one by one and writing down their price estimates. This will help you compare the competition and make an informed decision. 

Invest In Energy-Saving

To save more energy, you need to think and live green. There are lots of ways to upgrade your household appliances, if you haven’t done it until now, that is. 

Buying a new fridge, air conditioning or other household devices with a class A+ or A++ will significantly decrease your energy bills. 

Home insulation and noise-cancelling materials are other property enhancements you could take advantage of and stop the large percentage of heat loss during the colder months. Consider this a reasonable investment that will define your future expenses on energy. 

When insulating your property, however, don’t forget the parts attached to the property like the garage, basement, or conservatory. If you don’t cold-proof them, your place will lose more heat than the air conditioning generates, and this will result in huge energy bills and great heat loss. Setting up your insulation is not a simple task, as there is a lot of things to take into account. That’s why it’s very important to find top-quality metal building insulation that will bring you the best energy-saving results.

What you should also consider is that energy upgrades cost less during the home renovation than when adding them post-refurbishment.

Consider Alternative Energy Sources

If you’ve already upgraded your household appliances but would like to cut the costs, even more, adding a few renewable energy sources to your home is the next step to take. 

Solar panels are a classic eco-friendly home enhancement. So, let’s talk about the different spots you can place the photovoltaic energy sources for your home: 

  • Solar Awnings. This is a very practical combination, preventing heat from squeezing in your home. They keep different percentages of solar heat off your property’s interior- 77 % for windows situated on the west side of your home and 65% from windows facing south.
  • Interior Blinds. These, especially the slat-consistent shades, offer very good protection for your place. The slat type of blinds doesn’t look very dependable, but their flat slats offer flexibility. As opposed to ordinary shades, these can be adjusted in order to let a little natural light in without letting the devastating summer heat in the premises.
  • Exterior Blinds. These are generally made of wood, aluminum or vinyl and are, respectively, more resistant to the changing weather conditions outside. When rolled down their slats meet edge by edge and provide a thick shade. If you wish to let a little bit of sunlight in, you can raise them partially. This will leave a slight distance between the slats creating a dappled shade pattern.
  • Solar Power. Also, don’t forget about your backyard and patio. You can install solar panels on the ground of any home to run electric lawnmower and other tools. Solar power could also be used to water and light your garden. For a comprehensive view read the full post about solar lights and garden wind spinners.

Easily Avoid Common Mistakes

When you plan small repairs or bigger refurbishments, you should hire a professional, especially if you don’t have the experience and equipment to cope with the task. If not, then afterward you’ll most probably not like the outcome or worse – injure yourself and damage your property. This will automatically increase the budget planned for your home improvements and decrease its market value. 

In case you’re hesitant, many handyman service providers will advise you what materials to buy.. What is more, many of these companies offer reasonable prices and a considerable decrease in final payment, if you book more than one service for a visit.

Tackle Small Doable Projects

There are small improvements you could do yourself if you’re more experienced in DIY. And this is, undoubtedly, the best way to save money for other expenses. If you have no idea how to install your new shelves, tiles or how to repaint the walls at home, you can shop for materials.

Whatever you decide, it would be better to talk to the contractors first and schedule the tasks accordingly. This way the home repair, maintenance, or renovation projects happen faster.

Buy Materials Personally

There are thousands of websites for supplies and materials for practically every type of home improvement. 

But when you order them over the Internet, there are at least two problems that will definitely occur at some point. 

  1. First, you won’t have the chance to personally check any of the products you’re buying for defects. If you wish to buy furniture or anything of the sort, it would be better to go to the store yourself and take a look at it. This way you’ll be able to see the item and make a reasonable decision on whether it will be suitable for your home. 
  2. Second, ordering household items or maintenance and renovation supplies via website services, often carries the risk you won’t get the right color, size or type of the supplies you ordered. In this case, returning the order seems the only reasonable thing to do. 

However, there will definitely be a delay with your home improvement project.

Major Home Improvements

There are a few types of home repair and maintenance tasks you should not even think of tackling, and namely – structural, plumbing, and electrical. 


Don’t take this the wrong way- you should have these features of the household regularly inspected in order to prevent major household disasters like a burst pipe. Unless you have the experience and equipment of a dependable trade, you shouldn’t even think of this. 

Changing the pipes or an electric circuit often requires more than cutting here and there and fixing this and that. Major plumbing projects include breaking into walls and can cost you thousands when done wrong. Imagine what a tiny mistake might lead to. Moreover, in many countries, there are certain certificates which are required in order for you to cope with this time and effort consuming tasks.

7 Things New Homeowners Waste Money On

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Becoming new homeowners can mean a blur of expenses, but it’s really important to think about what you are spending money on so that you don’t make wasteful decisions, especially if you need money now

Here are seven things to consider:

Ditch the Lawn Service

Lawn Service for New Homeowners

New homeowners may think that they don’t have time for yard maintenance, but you can be assured that lawn services don’t do anything different that you could do. The same fertilizers they use are available at garden centers, and services like aeration are just not absolutely necessary. Garden centers will also give you free advice and will walk you through any lawn issues you have. Furthermore, they have the most professional equipment, like riding lawn tractor, it’s very expensive if you buy yourself.

Forget About the Pool

Pool for New Homeowners

If you buy a home with a pool, you have bought a place with lots of monthly maintenance needs. Every time the pool guy comes out, you will incur costs for cleaning, maintenance and pool chemicals. To be safe, your pool has to be regularly tested for proper chlorine levels, and don’t forget about the cost of water that can be very significant in dry southwestern states. While robotic pool cleaners are worth the money long term, the initial price range can set people off, so be sure to do your research first!

No Sun Room

Thinking of adding a sun room? Well think again, because even though new homeowners may hope to recoup their original sunroom investment, studies have shown that unlike kitchens or bathrooms, the addition of a sunroom very rarely even comes close to paying for itself.

Back Up Generator

New Homeowner Energy


A good one can cost thousands of dollars if you live in a non-hurricane prone area, so just trust the grid. And if you’re worried about losing a lot of frozen food, many freezers and homeowners’ insurance policies already protect against this occurrence.

Private Mortgage Insurance

If you don’t have 25 percent equity in your home, you may need to buy Private Mortgage Insurance or PMI. This can easily cost new homeowners up to $200 per month or more in premiums, and new homeowners never recoup this cost. If there is some way you can find a 25 percent down payment, by all means put that bigger amount down to avoid paying PMI. If you have been in your home for a while, a hot market may have increased your property’s value, and you can apply to have your PMI removed. Check with your lender about this.

Cheap Windows for New Homeowners

If you need new windows, don’t but cheap ones, because your HVAC costs will just increase. Spend more for a better product and your investment will pay off immediately.

New Homeowners & Extended Warranties


According to our friends at BeerMoney, “Retailers are not going to sell anything that doesn’t make them money, and when they sell you an extended warranty they are getting extra revenue from you. For example, you purchase a $32 string trimmer.” The extended warranty is $8.00 per year. Sounds good, but after four years, you have doubled the cost of your garden tool. We suggest not paying anything extra, and just buying a new $32 trimmer when and if it breaks.

Also, there may be a convoluted and difficult repair process that could cause you to be trimmer-less for a period of time if you go the warranty route.

We’re really happy you are in your new home. Now, just be sure to carefully consider all of your home-related purchases so you don’t waste precious cash. And don’t forget, if you need to grab a few extra dollars, you can always sell things you currently own, such as totaled cars, old technology and other stuff laying around at home.

Good luck!

Mortgage Loan Denial: Is This A Racial Problem?

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So, you need a down payment on a house, but you do not have handfuls and handfuls of cash to make it happen. A mortgage loan can help with that, but what if you can’t get one?

Well, many persons think that race and ethnicity are major factors in mortgage loan denials, and the following chart backs this up:

Down Payment on a House - Mortgage Denial

Others, however, feel that observed denial rates do not give the true picture, and that what is called “real” denial rates paint a truer picture:

Mortgage Denial Reporting

According to Urban Wire, “the real denial rate is still a blunt tool, because it requires the simplification of complex data and trends. It considers credit scores, loan-to-value ratios, debt-to-income ratios (DTI), and product and documentation types, but it does not consider income or income variability (we only have access to DTI; the lender will have more detailed financial information).”

Mortgage Loan Denial: Racial Profiling?

Statistics can be molded to show whatever authors want them to show, and both charts seem to portray that more minorities are denied mortgages than whites. Of course, there could be many reasons for this, and the raw data just does not tell us what that is.

Some think, however, that if a person of color walks into a mortgage lender’s office—even if they have a down payment on a house–the would-be borrower is automatically subjected to a higher level of scrutiny that then causes them to become credit denied. While this can be possible, these anomalies don’t guide the way we do business at C4D.

Down Payment on a House: We Can Help

Whether you are Asian, white, black, Hispanic or a Native American, we just don’t care. We know that good people can simply have bad credit problems. We understand that your credit rating may have been injured because:

  • You lost a job within the last year.
  • You have a lot of student loan debt.
  • Your credit cards are maxed out.
  • You got a divorce.
  • You owe taxes to the state.
  • You have legal judgments against you.
  • You declared Chapter 13 or Chapter 7 bankruptcy.
  • You defaulted on a personal loan.
  • You faced foreclosure.
  • You don’t have a large enough down payment on a house.

There can be many other reasons that you may not qualify for traditional financing, but we at C4D are here to help you. We utilize a very innovative program called MN contract for deed. It works like this:

  • You find a house.
  • We buy it.
  • We sell it to you on a MN contract for deed basis.
  • We keep the deed until you make all of your payments.

Yes, you still will need a down payment on a home, but we consider things that a bank does not.

Our Process to Help with Your Down Payment on a House

Down Payment Assistance

Fill out our online application, and we will evaluate your situation. If there is any way we can help you, we will first talk on the phone, and then we will get together personally. We do work with a local bank, and the bank respects our judgment. If we can make a good case that you have a down payment on a house and that you will be able to make the payments, we do everything possible to get the deal done.

We have said it before:  We love traditional financing and wish that everyone could get a standard mortgage. If you can’t, however, don’t give up. Talk to us today!

First Time Home Buyer Checklist

First Time Home Buyer Checklist: 15 Quick Tips

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You’re going to get a lot of advice thrown at you as you attempt to purchase your fist home. Financing, inspections, Realtors, credit scores and many more similar issues will need to be dealt with. First, however, check out the following 15 tips on our first time home buyer checklist:

First Time Home Buyer Checklist

1) Is Real Estate Recession Proof?

First Time Home Buyer Checklist Recession

No, it’s not. If you buy at the top of the market, realize that you may not be able to turn around a year later and make a profit or even get your money out if the economy has tanked. Sure, if you wait long enough things might turn around, but if you need your money quickly in a bad economy, realize that a reasonable sale might take quite a while to consummate.

2) HOA

Thought HOAs were just for those that bought condos? Think again, as buying into a deed restricted community governed by an HOA may mean that you can’t paint your house purple—even if you own it outright. This is an important piece of the first time home buyer checklist. Don’t forget about extra fees!


3) I Qualified for a $450,000 loan

That’s great, but it doesn’t mean that you have to stretch your budget and buy a $450,000 home. Buy only what you can afford, and don’t pay attention to any higher amount that you have qualified for.

4) Good Money

First time home buyer checklist number four — beware of exotic low-interest, no-interest or no down-payment loans as these can be costly in the future.

5) Check Those Renovations

You may be a woodworking DIY person, but you certainly don’t want to inherit the first-time renovations from the previous accountant owner that couldn’t figure out how to use a reciprocating saw.

6) Location

Pick your location first, and then your home. A perfect home in a bad location really isn’t a perfect home.

7) DIY

If the home your want does need repairs and you are handy, DIY in this case may be a good option. Just make sure you know what you are doing. And of course, a fixer-upper can be purchased at a better price.

8) School District

Unless you are considering private schools, make sure you properly vet the neighborhood schools before you make any offers. Consider using a tool like Niche to find the best schools in your neighborhood or city.

School District

9) Survey

Tell your Realtor you want a current property survey. This will accurately map the borders of your property and help avoid disputes later.

10) Good Inspection

Don’t look at the inspection as possible impediment to closing. A good inspector may find enough things wrong so that you will want to walk away from the deal.

11) Negotiate

Negotiate like you don’t care if you get the house or not. Sure, this is easier said than done, but great negotiators always operate this way.

12) Yard

If the yard is really ugly and you don’t want to rejuvenate it yourself, consider asking the seller to provide a landscaping credit.

Landscape for First Time Home Buyer

13) Low-balling

Don’t look at every home as an opportunity to offer $50,000 less than the asking price. First the sellers—and then your Realtor—will not take you seriously after you establish a pattern of this behavior.

14) Building Plans

Go to the city hall and check upcoming building plans. That way you won’t be surprised when that great park-like open field a block away becomes a 300-unit apartment complex.

15) Extra Cash

Don’t walk away from your closing with the key and no cash left because unforeseen expenses can be counted upon. If we all could make free money, this wouldn’t be an issue, but you need to be careful.

Remember, your first home is a big deal, and we hope our first time home buyer checklist has brought some important points to your attention. And if you are turned down by the bank, don’t give up. Contact us and we will let you know how we can help.

Fiberglass Roofing

The Benefits of Fiberglass Roofing for Your Garage

1000 500 Sam Radbil

A new generation of flat roofing is taking over the property market and it goes above and beyond anything else that has come before it. Fiberglass roofing exceeds all the benefits of previous roofing materials; it is the answer to leaking felt roofs, it is the permanent solution to your flat roofing problem, and it even allows for easy installation. For many of you who do non-stop home repairs after you purchase your first home on contract for deed, this concept might be extremely useful.

If you’ve never heard of fiberglass roofing, or (even worse) you’ve heard of it but never considered it for your garage, why not? This roofing system has been rapidly growing in popularity all over the country and it’s not hard to see why. In this article we’re going to be looking at what a fiberglass roof is and why you need one.

A Few Facts About Fiberglass Roofing

fiberglass roofing is the next best thing, it’s cool, it’s in, and there are so many reasons homeowners love it! But what exactly is fiberglass roofing? Well,fiberglass roofing is a lightweight but strong material that is resistant to the weather, temperature changes, corrosion, and damage. Not only can fiberglass roofing be easily moulded to suit any roof shape, but it is also extremely easy to maintain.

Where Did Fiberglass Originate from?

fiberglass was a material first used in the marine industry to build boats, but has since proved its versatility in numerous areas, including construction and flat roofing! This amazing material has benefitted the construction industry in so many ways and since it’s potential has been recognized, it has been transforming households across the country.

Quick Fiberglass Roofing Tips

Another really great thing about fiberglass roofing is that you don’t necessarily have to pay for installation costs! Instead, you can now get your very own fiberglass roofing kit and follow the fiberglass roofing process online to lay your very own garage roof. But before you make a start, here are a few quick fiberglass roofing tips:

  • Be sure to check the weather forecast before starting to lay a fiberglass roof as it is essential it is done in dry weather conditions.
  • Also, do not install your fiberglass roof when it is too cold as the resin and topcoat will not cure properly – leaving you with a badly installed roof.
  • If, while you’re installing your fiberglass roof, it starts to rain – stop straight away and cover the roof to avoid any damage.

These are just a few quick tips, but they will save you plenty of time and ensure you end up with a beautifully completed roof that looks like its been laid by a professional.

What are the Benefits?

So, you’re thinking about installing fiberglass benefits and while we’ve explained a few of the basics, why exactly do you need a fiberglass roof? What are the benefits? Well, below are some of the most popular benefits of fiberglass roofing that help explain why this product has spread so rapidly in popularity over the years.

Fiberglass Roofing is Lightweight: There is not much that is better than installing a new roof that is extremely lightweight. Many roofing materials are heavy and difficult for roofers or homeowners to carry and install. What’s more, the weight of roofing products can be a safety concern for many. So, the benefit of a lightweight roofing material like fiberglass cannot be understated.

Fiberglass Roofing is Durable: When it comes to a good roofing material, we all want something that is durable. And one of the main reasons homeowners are choosing fiberglass is because it has a reputation for strength and durability. What’s more, if you hire a professional roofer to do all the hard work for you, your roof will remain durable for many years to come.

Fiberglass Roofing has No Joints: Joints are a problem when it comes to roofing and can cause issues such as cracking, leaking, water damage restoration, and more. One of the significant benefits is that it has no joints – making it a fantastic roofing material to apply in liquid form. This allows for a seamless finish unlike any other.

Repairs are Made Easy: This roofing is fantastic for easy repairs. This material is not only versatile but it allows for repairs to be carried out easily and to a very high standard without interrupting the daily routine of your life. When it comes to roofing, what could be better than that?

Fiberglass Roofing Looks Great

Probably the main reason people purchase this roofing is that it looks fantastic. This roofing material is very aesthetically pleasing and provides your garage with a level of style other homes on your street have yet to achieve.

How Long Does Fiberglass Roofing Last?

So, the final reason you need to purchase and install this roofing on your garage is that it lasts a very long time. In fact, if professionally fitted by roofing experts, this roofing will last for at least 25 years! That’s phenomenal and certainly cuts down home maintenance costs significantly.

If you’re looking for a home to implement fiberglass roofing, but you’re struggling to find financing, then contact us today and let’s get started!