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SEPTEMBER 2018

HOME & L I F E STY L E

7 homebuying myths debunked

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postbulletin.com/magazines/haven

9.18F E AT U R E S

6 7 homebuying myths debunked

9 How to make your bedroom feel like a five-star hotel10 Sleep tight: 7 things to know about

the modern mattress

12 Create a modern farmhouse look

13 Shine on: mixing metals for a fresh

look

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Allison Roe • [email protected]

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P U B L I S H I N G

Jenna Martindale is a licensed Realtor with

Better Homes & Gardens All Seasons in Rochester.

Sarah Tieck is a Lakeville-based freelancer.

How to make your

bedroom feel like a five-star hotel (p. 9)

C O N T R I B U T O R S

7 homebuying myths debunked (p. 6)


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There are a lot of homebuying myths floating out there. I’m here to break down seven of them to expose the truth. Myth 1: You need to have 20 percent for a down payment before you can buy a house.

Reality: It is quite common for lenders to offer better interest rates and products based on the size of your down payment;

however, there are all types of

programs available to home buyers. Meet with at least two or three lenders so you don’t miss out on a program that fits your needs. Since every family’s financial picture looks different, sit down and speak with prospective lenders about your specific needs. Getting some insight from a bank you already have accounts with is smart. Slipping one or two local (smaller) banks into the mix is a great idea, since they may have the ability to move things around and cater to your needs easier than a national

bank would. You may be surprised to know that there are even zero percent options for buyers even if you’re not in the military. Myth 2: If you have student loans or other debts, you won’t get approved for a mortgage.

Reality: Debt is a factor in the mortgage approval process, but it’s not a deal breaker. Depending on your debt-to-income ratio (DTI), you may qualify for more than you thought. Your DTI is calculated by dividing your monthly financial commitments by the amount of your income. In short, the lender wants to know that your income can support your monthly expenses and that you won’t fall behind after adding more debt to the mix. Myth 3: Renting is cheaper than buying.

Reality: The truth behind this

myth varies depending on

the market you’re in. Some metropolitan areas have a higher

demand for rentals than they can accommodate, or vise versa. This inherently affects the rental rates, as well as existing home prices based simply on supply and demand. If you are in a market with very high rental rates, you

may have a lower mortgage payment than what you’re currently paying for rent. Having said that, you still need to factor in added costs of home ownership that don’t exist in the rental market, such as insurance, taxes, utilities, and maintenance. Myth 4: Your first step in the homebuying process is to start looking at homes.

Reality: It’s fun and exciting to start looking at homes, whether

online or in person, but there

are some serious problems with making this your first step in the process. If you start looking at homes and fall in love with one

but you have yet to meet with a

lender, two things can and will likely happen. One, you’ll fall in love with a house that’s outside your budget. Two, you’ll fall in love with a house that sells before you can line up a meeting with a lender to get pre-approved. Any offer on a home requires proof of finances, so starting a search prior to a pre-approval is the wrong way to go. Myth 5: Working with a real estate agent is expensive.

Reality: In most, but not all, real estate transactions, the seller is responsible for paying the Realtor’s commissions. This means that the seller is paying the commissions for both the buyer’s agent and their own agent. It’s true that you as a buyer won’t be paying agent commissions, but there are other costs associated with buying a home you should be aware of. Those can include closing costs, down payment, inspections, appraisal, and state deed tax. It’s important to speak

7 Homebuying Myths Debunkedby JENNA MARTINDALE | BETTER HOMES & GARDENS ALL SEASONS | LICENSED REALTOR IN MN


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with your real estate agent, title

closer, and lender about estimated

costs before moving ahead with a

purchase.

Myth 6: Spring is the best time

to buy a house.

Reality: Sometimes inventory is a

bit higher in the warmer months,

but that doesn’t necessarily mean

a better price for you. Consider

the supply and demand rules

here. In the spring there are many

buyers to compete with for the

same homes. More inventory

may help offset the affects of such

competition, but it usually means

multiple offers and having to

make quick decisions in terms of

offering and negotiating terms.

In the cooler months when most

think it’s the worst time to sell, you’ll find sellers are either more eager to sell because of need,

or you’ll have fewer buyers to

compete with. Either way, go into

each season knowing what to

expect, and you’ll set yourself up

for success.

Myth 7: In a seller’s market,

it’s smart to skip the home

inspection.

Reality: An offer without

contingencies looks better to a

seller. It may even win in multiple

offers. Does that mean it’s the

best decision for you and your

family? Probably not. A home

inspection is most times your only

way to safeguard your decision

to purchase the home, and it can

uncover minor and major issues

with the home that otherwise

would go unnoticed. Better to err

on the side of caution. This is most

likely the largest purchase of your

life, after all.

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When staying at a five-star hotel, you expect quality, beauty, and more than a little bit of pampering. Your room is made up, the sheets feel like satin against your skin. There might be a piece of artisan chocolate on your pillow and some soft cello music on the stereo when you come back from dinner. So, how do you bring this experience into your own bedroom? “It really depends on the individual person’s definition of luxury,” says Amita Patel, area director of marketing for the Kahler Hospitality Group. Here are five luxurious options to turn your bedroom into a blissful oasis.Find a themeThemes show up in subtle ways in hotel décor. At Lora Hotel in

Stillwater, the hotel’s red, black, and white paint colors were inspired by Minnesota’s loon, says Naomi Thompson of the Strategy Factory. Your bedroom’s theme could come from a favorite painting or photograph, a piece of furniture or fabric. Patel chose a “glam” theme for her bedroom. Her theme inspired everything from a silvery platinum shag rug to a light grey furniture set with a grey tufted headboard. It’s all about the detailsBig art and small details are how hotel designers do what they do. Details make your space pop. Patel says she shops throughout the year, and the clearance sections at Home Goods and Hobby Lobby have yielded some of her best finds, like faux flowers

with a jewel in the center that get compliment after compliment. She also picked up a set of drapes following the holidays that add a touch of elegance and let her take a nap in the middle of the day. As far as art for your space, try printing your own family, vacation, or artistic photos on canvas. There are many online resources for printing, or find an art print you like at a store. This time, bigger really is better, so get the largest size your space allows. Keep it cleanOpen that door and say ahhhhh! Who doesn’t love coming back to your hotel room and finding your bed made and the room freshened? If you can hire a cleaning service at home, do it! If it isn’t in your budget, do a

thorough cleaning once a week. Even making your bed every morning makes a difference. Some other sweet touches to steal from that hotel experience? Place a piece of chocolate on your pillow (maybe even buy some chocolates when you are on vacation). Another small touch that makes a big difference in the feel of your space is how the master bath looks and feels—put the toilet seat down, close the cover, and take a moment to fold the toilet paper and set out the towels.Kick back and relaxFive-star rooms are as much about service as they are about design. Sandals Resorts have butlers to take care of a guest’s every need. They draw baths, spelling out words in rose petals, and do other things to make days delightful and relaxing. The key takeaway here is to make your room an oasis and create your own butler experience (without an actual butler). You could get out the fancy soaps and lotions you never use and keep them in your master bath. Much like a five-star hotel, add some cozy slippers or a soft area rug to your bedroom, suggests Nina Bouten, project interior designer for RSP Architects, who worked on the newly-opened Intercontinental Minneapolis-St. Paul hotel in Bloomington. Another nice touch would be creating some space for privacy and relaxation. “Soft seating such as a lounge chair or bench to create a zone for reading or having a cup of coffee,” Bouten says.Be true to your visionYou may not be sure what you like or don’t like. Patel says she starts by asking herself, “how can I pull off my vision?” She looks online for inspiration, as well as in magazines. Then she seeks out experts for guidance and resources for her space. They’ve lead her to ideas she would not have found on her own she says. And she’s definitely not afraid to say when something isn’t a fit – after all, there is Kardashian glam and there’s Marilyn Monroe glam. “You have to share your idea or vision with whoever is assisting you,” she says. “You have to really be honest about what you want so the other person can help you.”

by SARAH TIECK

How to Make Your Bedroom Feel Like a Five-Star Hotel

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Shopping for a mattress involves more than just testing out floor models for one that feels right.

Customization, trendy fabrics, and

convenient designs all contribute

to a good night’s sleep. Here are a

few things to keep in mind before

buying a new mattress.

1. The basics still hold true.

When you’re in the market for a

new mattress, look for one that

offers these long-held essentials:

good support, pressure relief,

comfort, and long-term durability.

2. Customize it to suit your individual needs.

Let’s say you like a mattress that

feels like you’re sleeping on a fluffy cloud, but your sleep mate prefers a surface with some

oomph. Neither of you needs to

compromise, thanks to dual-

support beds, which allows one side to be soft and the other firm, says Ana Cayeiro, an interior

designer. But the innovations

don’t stop there. “Larger

mattresses with heavier gauge

inner springs can be ordered

to support larger body frames,”

she says, “and new upholstery

materials can be placed in the

bed to help control a mattress’s

temperature.”

3. Some manufacturers tout eco-friendly mattresses that contain copper or aluminum.

Consumers are concerned

with any harmful effects of the

chemical and synthetic products

used in regular mattresses. But

keep your eyes open. “Eco-friendly is a term that’s not specifically defined,” says Cayeiro, “and currently there is no governing body that monitors this definition and those mattress constructions.”

If eco-friendly interests you,

research the manufacturer and

the product so you’re getting what

you expect.

4. Mattress exteriors are better than ever.

Fabric coverings have improved

over the years: They stretch and

recover better and are softer and

more durable, Cayeiro says. “The

fabrics are in synch with current

fashion trends in terms of color

and design.” They’re sometimes made of wool and bamboo fiber and other natural materials,

which gets a thumbs up from the

eco-friendly crowd.

5. Mattresses can be 18 inches high or more.

Typically, the most expensive

beds have the most upholstery

materials and those mattresses

can be higher than 18 inches tall,

Cayeiro says. “That said, mattress

manufacturers understand that their products must fit today’s sheets. Therefore, most

mattresses are manufactured at

12 to 16 inches tall.”

6. Some mattresses have multifunctional features.

They’re designed to fold into

other seating like sofas, sectionals,

wall beds, and recliners, Cayeiro

says. “The main feature of these

mattresses is their ability to bend

and/or provide a certain support level, which is generally firm and are typically queen or twin-sized.”

7. Bed-in-a-box foam mattresses are a thing.

They’re made to be convenient:

manufacturers ship the

mattresses, which you buy online

or from some retail stores. But be

aware of the cost versus quality,

so your expectations are met.

After all, not all mattresses are

created equally.

7 Things to Know About the Modern Mattress

by NANCY MATTIA | CTW FEATURES

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If you’re wondering what modern

farmhouse design looks like,

think of old blended with new,

like a big, tufted leather sofa

paired with an industrial coffee

table. It combines the farmhouse

aesthetic (the sofa) and the sleek

lines of contemporary design (the

table). Sarah Barnard of Sarah

Barnard Design in Los Angeles

calls it “an updated take on classic

American style.” It has an unfussy,

streamlined look that highlights

natural materials like wood, but

gives a nod to modern materials

like concrete. Here’s how to make

the dualistic style come to life in

your home.

Appreciate imperfectionsIf you see a gorgeous traditional

wood table with a few nicks in

it or a sweet cabinet with some

chipped paint, don’t think any

less of them because of their “flaws.” Modern farmhouse design celebrates well-used and loved

items. “The philosophy is that

it’s better for your belongings to

have a history than it is for you to

collect a bunch of new, soulless,

mass-manufactured things,” says

Barnard.

See what shiplap is all aboutIf you’ve ever watched HGTV’s

“Fixer Upper,” hosts Chip and

Joanna Gaines love to use

shiplap — rough-hewn wood

boards — on the interior walls

of homes they’re renovating.

Traditionally used on outdoor

buildings like barns, shiplap can

be painted, which tones down its

rustic natural color and give it a

21st-century vibe. Use it for walls, floors, or even bookcases.Stay neutralWhile a splash of vibrant color

will add modern styling to a

room, a neutral palette, especially

warm whites and creams, should

predominate since it underscores

the style’s simplicity. But don’t

stick to the same neutral —

modern farmhouse design

looks more contemporary and

interesting when you use different

tones and textures. “Variations in

saturations or textures can make

a monochromatic space seem

layered,” says Barnard. An easy

way to achieve that diversity:

choose something smooth and

something plush, and something

saturated and something less-

intensely colored.

Update with a pop of colorHere’s where you can insert that

bright hue to lend some modern

style to a traditional item, like a

hand-stitched quilt with strokes of red instead of pastel flowers, or natural wood kitchen stools

painted a sunshiny yellow.

Add industrial accentsWhile metal light fixtures or chairs would look out of place

in a purely country design, they fit right in when there’s a contemporary component to the

aesthetic. And you’ve got more

choices now, thanks to salvage

stores popping up in major

cities. But Barnard offers a word

of caution: “Everything is good

in moderation. Be careful not

to drown a space in too many

industrial pieces; instead have

them be sporadic and surprising

elements.”

Mix and match“The juxtaposition of modern

and farmhouse furniture is

a simple melding of styles,”

Barnard says, “like a barn door

on a modern sliding track. The

door gives the feeling of an old

farmhouse, and the track offers

the ease of modern convenience.”

Another example: a board-formed concrete fireplace. “The fireplace mixes the look and feel of wood

with the durability of concrete,”

Barnard adds.

Think ‘modern’ and ‘farmhouse’ don’t mix? They actually get along beautifully.

by NANCY MATTIA | CTW FEATURES

How to Create a Modern Farmhouse Look

“THE PHILOSOPHY IS THAT IT’S BETTER FOR YOUR BELONGINGS

TO HAVE A HISTORY THAN IT IS FOR YOU TO COLLECT A BUNCH OF

NEW, SOULLESS MASS-MANUFACTURED THINGS.”

–SARAH BARNARD OF SARAH BARNARD DESIGNS


Decorating with multiple metals

in one room instantly makes the

space more interesting and gives it

more depth than any single metal

can. But with so many metals or finishes to choose from, how do you decide which work best together? Follow these tips from a design pro on how to get your

metals to shine.

1. Pick your favorite twosome.“My general rule of thumb is to keep it to two tones and use

combinations that work well together,” says Nicole S. O’Dwyer of NS Designs, an interior design firm in northeast Pennsylvania. A few that make dynamic duos: bronze and pewter, black and brushed nickel, and antique brass and stainless. Choose the bolder color of the pair – bronze, black, antique brass—for the more dominant role, such as on a kitchen faucet or sizable light fixture, to make more of a visual impact. Use the secondary tone on smaller

accessories.

2. Use metallic accents throughout the room.Rather than concentrate all the shine in one area, spread the tones around the entire room. That will

give the space energy and make the metals feel integrated.3. Add unexpected touches.“One of my favorite places to add a fun metallic finish is drapery hardware,” says O’Dwyer. That includes the curtain rod and rings, finials, and brackets. “Consider

what metals works best with your fabric. Gold tones tend to stand out against white and blue patterns, while silvers work nicely with shades of green.” Black metals add dramatic flair when paired with a neutral drape. Other places to work in metallic touches in a secondary color: towels, tablecloths, picture frames. 4. Warm up or cool down.If a room’s decor could use some heat, add oil-rubbed bronze or copper to the mix for warmth. O’Dwyer says that oil-rubbed bronze typically has a copper sheen, and the red undertones create some sizzle. If you need to turn down the heat, cool metals such as pewter and silver will put a little frost in the air. But be aware that all finishes may not look alike. It depends on the manufacturer – for example, some oil-rubbed bronzes may look very black while others have more of a brown base.5. Vary the finishes. Using a variety of matte, polished, and hammered finishes will make the room look even more interesting. “Consistency is key,” says O’Dwyer. “A good example is a bathroom vanity where there are multiple finishes in one confined area – the cabinet hardware, faucet, mirror, and light fixture. You could keep the cabinet hardware and light fixture the same finish and select a different one for the mirror and faucet.”

Shine On: Mixing Metals for a Fresh Lookby NANCY MATTIA | CTW FEATURES

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Simple Ways to Add Texture and Depth to Your Home Décor

Have you ever walked into a room

in your home and felt like it needed

a little something to make it more

complete? What you might be

missing is depth from the lack

of texture. Texture in a room is

important because it adds a level

of dimension and allows elements

to play off of one another. Think shaggy area rug on the floor, a smooth leather couch, decorative wall décor or plants to brighten a

room. All of these materials bring a room that may feel “flat” to life with texture throughout the home. Here

are some simple ways to add depth

with texture to your home décor.

Throw PillowsDecorative pillows are an easy way

to add texture to space. Use several pillows in the same color scheme, but with different fabrics, so each has a unique texture.

Area RugsIf you don’t have carpet and want to include the floor in your texturing balance, you can choose a plush or shag area rug that will contrast nicely with wood floors. Area rugs work well to help define a space, especially if you have an open floor plan. There are so many patterns and colors available that

will add great texture to your home

décor.

PlantsWe love adding natural elements to

a space to make it feel cozier. Plants

add subtle texture to a room with

their vibrant color and depth. If live plants aren’t appealing to you, try a preserved boxwood plant. They

are a perfect choice for those who aren’t great “plant moms” or have allergies.

Window TreatmentsYou can always add texture

to a room using your window

treatments. If your living area is full of cozy, soft materials, then add texture by using a rougher material

to cover the windows like real or

faux wood blinds. If your space is filled with more texture than create a balance with softer draperies.

Wall DécorAn easy way to add texture and

depth to your home is by hanging art, photos or other wall décor. You can easily add tile, wood, or stones to one wall to create a focal

point and add visual depth to space

or even hang up a beautiful satin

tapestry that draws attention.

Varying Shades and FurnitureTexture is also added when you

use various shades of a color in a

room instead of trying to match the

exact shade throughout the room.

Have fun mixing and matching similar colors, adding depth and warmth to your home. In addition, add textured furniture pieces like a leather couch, velvet or satin chairs, or a rough wooden coffee table or bookshelf for the ultimate

look.

We hope that this quick tutorial

on depth and texture was helpful

and that you feel inspired to try

it yourself. Don’t be afraid to try new things in your home, the end results are usually amazing!

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5-star plus - bloximages.newyork1.vip.townnews.com · bedroom into a blissful oasis. Find a theme...

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