The Daniels Team's Blog
A chandelier is a beautiful piece to get when you are looking to improve your home design and luxurious feel. It is sure to spice up the interior of your home, giving it a more elegant look and bringing in a whole new wave a fresh air to your decor. As exciting as it sounds, there are some essential things you need to do first before deciding to get a chandelier. Here are five tips to consider:
Judge your space
Before choosing a chandelier, you might want to take a second and closer look at where you want to hang it. An excessively large fixture can cause an overwhelmingly negative effect on your space, such as affecting the sight lines in the room. It is advised to measure the space of the room and the height of the ceilings so you can have a reference guide when you go shopping for that chandelier.
Your lighting needs
Not all chandeliers necessarily light up a room. So if you need it for lighting purposes, go for a model with multiple bulb features that will enhance the color of the room and overall vision without being too harsh. If you want to increase the lighting a tad more, you could opt for more powerful LED lights although that could affect the temperature of the room. You could also go for multi-colored bulbs if you want that color variation. You should consider this for a while and decide what fits your taste and comfort. There are also multifunctional chandeliers that can tick several boxes for you.
Estimate the cost
Make sure not only to choose a chandelier that fits your style, but that also fits into your budget. If the light is too massive or the wiring is too complicated, you should consider calling a professional, making sure to clear things up with them about additional hardware and the final installation cost. However, if the wiring is basic and you feel you can handle it, you should make sure to plan out your time well to install it to avoid any form of rushed work.
Go with a warranty
Who wouldn't want to be on the safer side when buying a new fixture for your home? Having a warranty on your purchase reduces the feeling of anxiety when you think about it getting damaged. Some stores provide repairs, and some even let you try it out for some days to see if it meets your needs.
Lots of Research
Check a variety of chandelier types online and in your local lighting store. If you find it difficult to decide, you could check out the pictures in magazines or online with a friend. Getting a chandelier does not just stop there; you should do your homework on cleaning and maintenance tips to prepare you for the purchase.
The perfect chandelier may change how your home appears to potential buyers, so discuss any lighting changes with your selling agent.
If buying a home is something you’re considering, you might be curious about the different types of mortgages that are available to you. After all, the interest rate on your loan could have a huge impact on your finances over time, saving you thousands of dollars.
In today’s post, I’m going to demystify the home loan by explaining the most common types of mortgages. That way, you’ll be able to approach a lender with a bit of context and knowledge to help make the best mortgage decision for you and your family.
The most common types of home loans in the United States today are fixed-rate mortgages. A fixed-rate mortgage has the benefit of stability in terms of its interest rate--year after year, or the lifetime of your loan, you know exactly what percent of interest you’re going to pay.
Fixed-rate mortgages most frequently come with repayment terms of 15 or 30 years. However, some lenders offer different repayment periods.
As with any debt, paying off a mortgage in a shorter term typically amounts to paying less interest over the lifespan of the loan. For this reason, buyers who can afford higher monthly mortgage payments often opt for a 15-year fixed-rate mortgage.
If you can’t afford higher monthly payments, a 30-year loan will typically have lower mortgage payments, but at the expense of paying more interest over the life of the loan.
The 30-year option is the most often in the United States, where first-time buyers typically have too many other monthly bills to afford a high mortgage payment.
Adjustable-rate mortgages (ARMs) were once an ideal option for first-time buyers who could purchase a home at a very low interest rate and then refinancing once that rate was set to rise. However, after the housing crisis of 2007, trust in the housing market drastically declined.
In recent years, ARMs have begun to make a comeback. However, they currently still only account for around 5% of home loans.
Adjustable-rate mortgages come with one important advantage and one huge disadvantage over fixed-rate mortgages. The upside is the ability to borrow money for a home at a lower interest rate than other mortgage types. The down side? Your interest rate isn’t locked in for the length of the loan, meaning your rate could, in theory, rise dramatically before you sell or pay off the home. This is exactly what happened to borrowers during the subprime mortgage crisis.
There are a number of special loan programs that have been sponsored by the government over the years. Among them are USDA rural development loans, VA loans for veterans and their spouses, and FHA loans offered by the Federal Housing Authority.
All of these loans make it easier to buy a home with little or no down payment or a credit score that’s less than perfect. That makes these options great for first-time homeowners.
191 Horse Pond Rd, Sudbury, MA 01776
61 Dakin Road, Sudbury, MA 01776
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