The Home Buyer's Korner

Information presented should be used for educational purposes only.

March 29th, 2015

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GREATER FOLSOM CALIFORNIA

The Home Buyer’s Korner

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Decorative Lighting

Small-Kitchen-Floor-Plan-DesignLighting is an essential design element that can influence your home’s interior decor. You can experience a major transformative change in the overall style and ambiance of a room by making a few simple lighting changes that don’t cost a lot.

If you have artwork, decorative displays or other features you want to illustrate with clarity, the addition of spotlights is a great idea. You can shine light on these special features in your home by installing a single, bright fixture with a focused beam overhead, or you can use track lighting to highlight larger features. In some cases, the design or layout of your room may be sufficient to allow lighting to be placed at eye-level or even below the fixture to shine upward on the area you want to illuminate.

Spotlighting can shine a focused beam of light or you can also use background lighting for ambiance. Consider how you can incorporate background lighting with under-cabinet kitchen lighting or dimmer recessed lighting placed behind a sofa or other features. Generally, these are light fixtures that don’t provide direct lighting and the light generally isn’t the main source of light in the room. It may even have a hint of color for a dramatic flair that further establishes ambiance.

Another idea is to use beautiful or decorative lamps in your room. These may be smaller desk lamps, floor lamps or table top lamps. There are lamps available in a wide range of colors, sizes and styles. The lighting from the lamps may influence ambiance and provide functional lighting, but the decorative nature of the lamps themselves can enhance the décor even when these lights are not turned on.

There are many different types of lighting that can influence your home’s décor and in many cases; it makes sense to incorporate each of these styles of lighting in a single room to enjoy different benefits. If you have a cell phone with a high pixel camera take several photos and upload them to your an online profile account to share them with local home lighting designer for ideas. They’ll be happy to study your rooms’ layouts and design to assist you about how some new light fixtures can influence decor and assist you in making some appropriate changes to enjoy better overall results for your space.

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CALIFORNIA HOME OWNERSHIP TOOLS

Your Home Purchasing or Refinancing & Renovation Tools,

Home Improvements, Home Renovations,

Mortgage Loan Officers, Real Estate Agents & General Contractors

are ready to assist you with your home purchase.

Here are just a few of the home improvements

you might consider with any Home Renovation loan

Repair or replace a roof

Install, replace or repair gutters and downspouts

Replace, repair or upgrade your HVAC system

Repair or replace plumbing

Install, repair or replace electrical systems

Kitchen remodeling (including the purchase and installation of appliances)

Bathroom remodeling, Full interior painting, Total exterior painting

Repair or replace a septic system and/or well

Disability access (wheelchair ramp, elevator, widen doorways)

Build, repair or replace deck, patio or porch

Basement waterproofing and finishing

Abatement/Stabilization of lead-based paint hazards

Replace old windows, Room additions, Finish an attic

Add a second story to your home

Replace a termite damaged sill plate (a water-damaged sill plate also)

Possible landscaping items such as correction of grading & drainage problems,

tree removal, repair a driveway and sidewalks

FHA 203K

Your Home Purchasing or Refinancing & Renovation Tool

Mortgage Loan Officers, Real Estate Agents & General Contractors

are ready to assist you with your home purchase

FANNIE MAE HOMESTYLE

The Conventional Alternative to FHA 203K

Great for Real Estate Investors and Second Home Renovations

Mortgage Loan Officers, Real Estate Agents & General Contractors

are ready to assist you with your home purchase

USDA RURAL DEVELOPMENT

Up to $10K for Home Improvements, Renovations or a Simple Remodel

Mortgage Loan Officers, Real Estate Agents & General Contractors are ready to assist you

A SIMPLE HOME SHOPPING INSPECTION TOOL

Organizing your home shopping experience affords a wise decision-making process.

This simple home inspection tool makes your ultimate buying decision a smart one.

To print this document click on “Open in New Window” located at the lower right corner;

click on “File”; then click on “Print”. In the center of the screen you will

have the option to “Create A Printable PDF of the Presentation”.

START YOUR PATH TO HOME OWNERSHIP TODAY

FHA, FHA 203K, USDA RHS Zero Down Loan,

FNMA HomeStyle, FNMA My Community Mortgage,

FHA One Time Close Construction, Portfolio or VA home loan

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