5 Things to Consider if You’re Behind on Your Mortgage

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Financial setbacks like the loss of a job or large medical bills can make it tough to make ends meet. If you find yourself behind on your mortgage payments, it helps to be proactive.  It’s also good to know that federal and local agencies, even banks, are working to help those who are behind on their mortgages from going into foreclosure.

If you are behind on your mortgage, here are 5 steps you can take.

1)  Call your lender as soon as possible.

As uncomfortable as that call can be, the problem will not go away by avoiding your lender. If you are having trouble making your payments, the sooner you contact your lender, the more options you will have. Some homeowners postpone communicating with their lender for so long, that foreclosure becomes the only option.  Don’t let that happen to you.

2) Talk to a housing counselor.

The U.S. Department of Housing and Urban Development (HUD) has a list of approved nonprofit housing counselors, who will provide free counseling for homeowners who are behind on their mortgages. They’ll go over options and suggest next steps. Call HUD at 888-995-4673 or visit the HUD site to find a counselor in your area.

3)  See if you can lower your mortgage payment.

You might be able to refinance or do a loan modification to make your monthly payment more affordable. There are a number of programs available depending on your circumstances. A HUD housing counselor or your lender can help you explore your options.

4)  Find out if you qualify for a short sale.

A short sale is an alternative to foreclosure when a homeowner needs to sell and can no longer afford to make mortgage payments. The lender agrees to accept less than the amount owed to pay off a loan, rather than going forward with a lengthy and costly foreclosure process.

Although every homeowner’s situation is unique, the basic criteria for qualifying for a short sale are:

  • You need to sell your home.
  • You owe more on your mortgage than your home is worth.
  • You have a personal financial hardship that will prevent you from making future payments. (Examples of hardship include loss of job, divorce, death of a spouse and medical emergency or illness.)

In most instances, a short sale makes more sense than foreclosure. In general, when you want to obtain a loan to purchase a property in the future, more opportunities will be available to you if you do a short sale. Find out more about how short sales work.

5) See if you qualify for cash incentives tied to a short sale.

Several programs offer cash incentives to homeowners to do a short sale in order to avoid foreclosure.

The federal government’s Home Affordable Foreclosure Alternatives (HAFA) program might provide $3,000 in relocation assistance to homeowners who do short sales.

Lenders, including Chase and Bank of America, have paid significant cash incentives to encourage sellers to do a short sale and avoid foreclosure. In the past few months, we have had homeowners receive checks from their lender at closing in amounts that range up to $35,000. And these large incentives are not restricted to owners of high-end properties. The owner of a short sale property that recently sold for $164,000 received a check for $25,000. The checks are given for relocation assistance and can be used however the homeowner sees fit. There are no restrictions.

It’s important to note that the seller incentive is determined by the investor, so not every lender is paying incentives. However, if you are considering a short sale, it’s a good time to find out if you qualify.

Richard Eastern is a Windermere broker in Bellevue, WA and co-founder of Washington Property Solutions, a short sales negotiating company. Since 2003 he has helped more than 700 homeowners sell their homes. A Bellevue native and a University of Washington grad, Richard is an avid sports fan and a devoted Little League and basketball coach. You can learn more about Richard here or atwww.washortsales.com.

The post 5 Things to Consider if You’re Behind on Your Mortgage appeared first on Best Real Estate Agents in Northern Colorado.

Five Essentials for Your Home Office

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Most people dream of working from home, but ask anyone who does it on a regular basis, and they’ll tell you how hard it can be to stay productive when you work where you live. The most disciplined telecommuters will tell you that you need a structured routine and organization to rise and grind and get into work mode.

Having a designated work space is quite possibly the most important piece to the WFH pie. Even if you live in a small space, you need to find a balance between home and office. People who work from home often have a difficult time separating work hours from their non-work hours because it’s so easy to keep at it late into the night. But maintaining a balance and shutting down the computer is important for overall well-being. What are some other must-haves for a successful home office? Here are the top five:

  1. Natural Light – Study upon study tells us that natural light is needed to boost productivity and mood. Make sure to set your desk up as close to a window as you can. If being near a window isn’t an option, a natural light lamp is the next best thing. It helps balance your body clock and leaves you feelings rested and refreshed.
  2. To-Do List or Planner – Start each day off by making a to-do list outlining what you need to get done before the end of the work day. Make sure to set a realistic time frame in which all of that should be completed, so you can check each one off the list and feel immense accomplishment once you’ve completed them all.
  3. Storage – If you have a big enough space, put in a large bookshelf where you can organize everything (think storage boxes). It reduces clutter and looks stylish. Using your walls and cabinetry is the most efficient use of space.
  4. Calendar – Many people tend to rely on digital calendars these days because of their convenience. When all of your devices sync together and pop up with reminders, you never have to worry about missing an appointment. However, many people find that it helps to keep a paper calendar handy too so you can easily view your whole month at a glance.
  5. Space for Inspiration – It doesn’t matter what field you work in, having a source of inspiration in your work space is essential. Whether it’s a photo of your family, your dream car, or that vacation you’ve been dying to take, having that inspiration right in front of you provides a constant reminder of why you do what you do.

The post Five Essentials for Your Home Office appeared first on Best Real Estate Agents in Northern Colorado.

Five Essentials for Your Home Office

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Most people dream of working from home, but ask anyone who does it on a regular basis, and they’ll tell you how hard it can be to stay productive when you work where you live. The most disciplined telecommuters will tell you that you need a structured routine and organization to rise and grind and get into work mode.

Having a designated work space is quite possibly the most important piece to the WFH pie. Even if you live in a small space, you need to find a balance between home and office. People who work from home often have a difficult time separating work hours from their non-work hours because it’s so easy to keep at it late into the night. But maintaining a balance and shutting down the computer is important for overall well-being. What are some other must-haves for a successful home office? Here are the top five:

  1. Natural Light – Study upon study tells us that natural light is needed to boost productivity and mood. Make sure to set your desk up as close to a window as you can. If being near a window isn’t an option, a natural light lamp is the next best thing. It helps balance your body clock and leaves you feelings rested and refreshed.
  2. To-Do List or Planner – Start each day off by making a to-do list outlining what you need to get done before the end of the work day. Make sure to set a realistic time frame in which all of that should be completed, so you can check each one off the list and feel immense accomplishment once you’ve completed them all.
  3. Storage – If you have a big enough space, put in a large bookshelf where you can organize everything (think storage boxes). It reduces clutter and looks stylish. Using your walls and cabinetry is the most efficient use of space.
  4. Calendar – Many people tend to rely on digital calendars these days because of their convenience. When all of your devices sync together and pop up with reminders, you never have to worry about missing an appointment. However, many people find that it helps to keep a paper calendar handy too so you can easily view your whole month at a glance.
  5. Space for Inspiration – It doesn’t matter what field you work in, having a source of inspiration in your work space is essential. Whether it’s a photo of your family, your dream car, or that vacation you’ve been dying to take, having that inspiration right in front of you provides a constant reminder of why you do what you do.

The post Five Essentials for Your Home Office appeared first on Best Real Estate Agents in Northern Colorado.

New Year, New Start

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The New Year is a great time for renewal, and there’s no reason why your home shouldn’t share in this time of rejuvenation. Here are a few ideas to give your home – and your spirits – a lift as you move forward in 2018.

Get organized

One change that might make a big difference in your life is organizing your space. Like most projects, the hardest part is getting start, so start small. Decide which one area would make you feel the best to have organized. Kitchen wraps and unruly pots lids driving you crazy? Start there. You may just feel so good afterwards that the next area won’t seem so daunting! Here are some organizational strategies to help:

Contain it: Seasoning packets, magazines, rubber bands… they’re easier to locate and cause a lot less mess when they’re all in one place. Just choose an appropriately sized container, be it a jar, box, basket or drawer, and consolidate.

Consider a container that’s both attractive and durable, particularly if your items will be in view. Decorative baskets come in many sizes, shapes and materials, from fabric to wicker and solid wood. They’re pretty and versatile enough to corral magazines in the living room or toiletries in the bathroom cupboard. Office supply stores carry metal mesh accessories that are great for gathering pushpins or pens. Stylish glass jars are good for colorful items such as buttons. You can even buy pre-made organizers or order custom inserts to straighten mess drawers.

Make the most of the space you have: You probably have storage space that’s not well utilized because it’s inconvenient. For deep corner cabinets, you can install lazy-Susan shelving so you can actually get to the items in your cupboard. Sliding storage racks hold pan lids, cleaning supplies and more, pulling out for easy access. Stair step shelf organizers let you see (and reach) what’s in the back row of a cupboard. And shelf-helper platforms double your shelf space and help you separate fragile items to keep them from breaking.

Look for space in new frontiers: You may have more room in your home than you think. There are lots of storage options designed to make use of hidden space. Under-counter paper towel dispensers and space racks. Kitchen-wrap organizers that hang on the bottom side of shelving. Bike risers and ceiling-mounted storage shelving for garages. Walls can also offer an alternative to precious counter space, with magnetic strips to hold knives, scissors, tools, jars with metal lids and more.

Create additional space: You can give yourself even more room by doing away with some traditional pieces of furniture. For instance, a fold-down ironing board frees up space in a closet or laundry room. A wall bed lets your guest room double as an office or craft room. A desk armoire gives you an “office in a box” that fits right into your living room after-hours. And bed risers can give you extra space under the bed.

Reinvent your space

With a little imagination, you can give your space an entirely new look and feel for the New Year. And even small changes can work wonders to rejuvenate your home.

Introduce new colors or patterns: Winter is a time for deeper hues and richer colors. You can transform your home by adding slipcovers, switching shower curtains and bedding, adding a new area rug or changing out throw pillows.

If you don’t want to change the room’s color palette (if your room is white on white, for example), you can still mix things up by incorporating textures such as jacquard, quilting, animal patterns, faux fur, chenille, mohair or velvet.

Shake things up: Sometimes just changing things around can make a huge difference. Try rearranging the furniture, and maybe even take out a piece to give the room more space. Shuffle the items on your mantle, the books on your coffee table, potted plants and pictures. By featuring items with a winter color palette, you can make your home warmer and more inviting.

Dress up the walls: Not everything that hangs on a wall has to be in a frame. Consider something different, perhaps a metal sculpture, small rug or tapestry, decorative dishes, masks, antique items, such as old keys…the list is only limited by your creativity.

Accessorize: Area rugs make your room or hallway cozier and add a touch of sophistication. Plants not only add a nice decorative touch, but research shows they’re also good for your health. Spice up your entrance with a shiny new doorknob and knocker. Add some stylish light switch plates, or new drawer and cabinet hardware in the kitchen.

It’s amazing how much changing our personal space can change the way we feel about our home. What do you do to update your home décor for the season?

The post New Year, New Start appeared first on Best Real Estate Agents in Northern Colorado.

Raise a Glass and Celebrate the New Year!

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Sparkles. Confetti. GLITTER. All New Year’s Eve staples. In fact, we’re pretty sure that New Year’s Eve is the quintessential holiday for all things glitter. Whether your plans involve throwing a party or attending one, here are some creative ideas to step up your game.

Confetti Wands: All you need is clear tubes and confetti, how simple is that?! Once you stuff them, lay them out somewhere all your guests can easily find them (so probably by the bar). We know what you’re thinking: “Don’t they make a mess?” Well yes they do, but what fun can you have without making a little mess?! So sparkly and festive!

Bubbly Bar: It’s not a New Year’s Eve party without one of these. A “bubbly bar” allows your guests to taste and personalize their champagne drinks. A bar cart is a great alternative if you want to make the bubbly bar a mobile attraction. They’re the perfect display for your champagne and treats. P.S. metallic straws are totes all the rage. Pop, fizz, clink!

Golden-Brushed Balloons: Go out and get a dozen helium-filled white latex balloons with strings attached. Wear gloves and hold the balloon by the tied end. Use gold enamel paint or “liquid gold leaf” and apply to balloons in quick, upward strokes. Make sure to only gild the bottom third to get this look. OR you could just buy gold balloons if you’re running low on time/gumption/is it 2016 yet?

Sparkly Bottles: Glam up your bottles and make them as sparkling as the wine inside. Grab a can of Super 77 adhesive spray, latex gloves, an old sheet, and as much glitter as you can find. Spray the bottle and sprinkle glitter over the adhesive one section at a time. Repeat until the whole bottle is covered, then shake off the excess glitter and display. Make sure to leave the top third of the bottle clean so you can pop the champagne! Hint: this is probably the easiest, yet most effective way to take your shindig to a whole new level!

Quirky Tip: Add a little extra something by hanging a fortune cookie off of each champagne glass. Everyone is going to want to know what’s in store for them once the clock hits midnight. And we all know fortune cookies always tell the truth.

New Year’s Eve is obviously the perfect reason to get fun with your champagne, so try something new this year! What’s better than some good ol’ bubbly? PINK bubbly. Cuz everything’s better in pink. Check out more ideas and details on our Pinterest page.

The post Raise a Glass and Celebrate the New Year! appeared first on Best Real Estate Agents in Northern Colorado.

How To Prevent Your Pipes From Freezing

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As winter temperatures begin to creep up around your home you may start feeling nervous about your water pipes and plumbing. If so, you’re not alone. Frozen pipes (or rather, burst pipes) can cause expensive water damage to your home and property. Even a small tear in a water pipe can send hundreds of gallons of water each minute into your home. According to the Insurance Information Institute, one in 55 homes will submit a property damage claim due to water or freezing this year.  Given the fact that many homeowners take the winter holidays to travel and leave home, it’s important to know what preventative measures you can take to winterize your home. Here are some tips for protecting exposed pipes from freezing temperatures.

Wrap and insulate pipes and plumbing

You can purchase inexpensive foam pipe covers at the hardware store and wrap pipes or plumbing to prevent heat loss inside the pipes.  You can also invest a bit more money and create a more permanent insulation environment for your plumbing by thoroughly wrapping pipes with layers of thick fiberglass insulation. This can be a DIY project or you can hire a plumber to do this for you. Keep in mind that the cost to fix a burst pipe runs an average of $5,000, so spending money to properly insulate your home is a smart way to approach this project.

Identify exposed pipes

Exposed pipes are pipes that are not insulated and may be subject to greater shifts in temperatures. This could include pipes located on the exterior of your home, pipes that lead from the exterior to the interior, or plumbing located in colder rooms like the garage, the attic or the basement (37% of frozen pipes occur in the basement). For faucets or plumbing located outside, like an exterior faucet, you’ll want to follow these steps to get them ready for winter. If you plan on being away from home for a long period of time, it might be a good idea to shut off the water supply and open all of the taps until they run dry.

Why frozen pipes burst

The rips and tears that occur in a frozen pipe aren’t primarily from the expansion of ice: ice blockages create a build up of pressure between the ice and the faucet, and it’s this increase of pressure that actually breaks the pipe. (It should be noted that the expansion of ice can directly cause damage to connection points or weak plumbing.) Additionally, several ice blockages might occur within the same pipe, as can several tears or breaks. The water leaks out when the ice melts and releases the water trapped behind it. Homeowners might not actually see the damage until just after winter, when temperatures rise, ice melts, and water starts leaking into the house. Water can freeze in the plumbing when temperatures reach 20 degrees Fahrenheit, however it has been determined that wind chill factor can increase the likelihood of frozen water so even temperatures higher than 20′ F can result in risk.

Don’t turn off your heat

If you plan on being away from your home for an extended period of time, like for a long holiday break, think twice about turning off the thermostat. First, with the temperature off or set too low, even your pipes located within insulated walls have the potential to freeze. Second, when you enter a freezing home and crank up the thermostat your heating unit will have to expend a tremendous amount of energy to warm up the home, costing potentially more money and stressing the system. Set the thermostat to a temperature you deem safe for being away and consider opening up interior doors and cabinet doors to keep the warm air flowing to all of your plumbing. If you fear a burst pipe, install a water sensor that can remotely alert you to the presence of water inside your home.

Leave the water running

If you are expecting freezing temperatures you can turn on a faucet and let the water run in a steady but small flow. An open tap releases air pressure from inside the pipe, and can prevent tearing. So even with a blockage of ice inside the plumbing, an open tap can keep the pressure from building between the blockage and the faucet. If you have both hot and cold taps then leave both open.

Homes most at risk

Homes located in regions that experience reoccurring freezing winter temperatures are usually constructed with well insulated pipes and plumbing. Unfortunately, homes built in Southern climates where only occasional freezing occurs are potentially more at risk for burst pipes. Homes in these warmer regions aren’t usually constructed with frost in mind and homeowners may be caught by surprise by a singular, but damaging, winter ice storm. Regardless of which area you live in, if you suspect air leaks or are wondering if your home needs additional insulation, consider hiring an energy efficiency expert. This expert utilizes specific measuring tools and devices (like infrared technology) to understand exactly where heat loss is occurring in your home and can make recommendations as to how to make your home warmer.

How you can tell if your pipes are frozen

The test to tell if your pipes are frozen is simple: just turn on your faucet or flush the toilet. If no water comes out, suspect a blockage of ice. Turn off your water supply immediately. You may be able to use a heat source like a hair dryer to warm up the pipe and melt the ice however, be aware that any dripping water can cause the potential for electrocution. Never use an open flame as this could cause a fire. Always call a plumber right away if you suspect damage to the pipe or if you aren’t sure where the blockage has occurred. Find an expert on Porch.

This article originally appeared on Porch.com

Written by Anne Reagan

 Porch.com is the free home network that connects homeowners and renters with the right home service professionals.

The post How To Prevent Your Pipes From Freezing appeared first on Best Real Estate Agents in Northern Colorado.

How To Prevent Your Pipes From Freezing

/in , , , /by

As winter temperatures begin to creep up around your home you may start feeling nervous about your water pipes and plumbing. If so, you’re not alone. Frozen pipes (or rather, burst pipes) can cause expensive water damage to your home and property. Even a small tear in a water pipe can send hundreds of gallons of water each minute into your home. According to the Insurance Information Institute, one in 55 homes will submit a property damage claim due to water or freezing this year.  Given the fact that many homeowners take the winter holidays to travel and leave home, it’s important to know what preventative measures you can take to winterize your home. Here are some tips for protecting exposed pipes from freezing temperatures.

Wrap and insulate pipes and plumbing

You can purchase inexpensive foam pipe covers at the hardware store and wrap pipes or plumbing to prevent heat loss inside the pipes.  You can also invest a bit more money and create a more permanent insulation environment for your plumbing by thoroughly wrapping pipes with layers of thick fiberglass insulation. This can be a DIY project or you can hire a plumber to do this for you. Keep in mind that the cost to fix a burst pipe runs an average of $5,000, so spending money to properly insulate your home is a smart way to approach this project.

Identify exposed pipes

Exposed pipes are pipes that are not insulated and may be subject to greater shifts in temperatures. This could include pipes located on the exterior of your home, pipes that lead from the exterior to the interior, or plumbing located in colder rooms like the garage, the attic or the basement (37% of frozen pipes occur in the basement). For faucets or plumbing located outside, like an exterior faucet, you’ll want to follow these steps to get them ready for winter. If you plan on being away from home for a long period of time, it might be a good idea to shut off the water supply and open all of the taps until they run dry.

Why frozen pipes burst

The rips and tears that occur in a frozen pipe aren’t primarily from the expansion of ice: ice blockages create a build up of pressure between the ice and the faucet, and it’s this increase of pressure that actually breaks the pipe. (It should be noted that the expansion of ice can directly cause damage to connection points or weak plumbing.) Additionally, several ice blockages might occur within the same pipe, as can several tears or breaks. The water leaks out when the ice melts and releases the water trapped behind it. Homeowners might not actually see the damage until just after winter, when temperatures rise, ice melts, and water starts leaking into the house. Water can freeze in the plumbing when temperatures reach 20 degrees Fahrenheit, however it has been determined that wind chill factor can increase the likelihood of frozen water so even temperatures higher than 20′ F can result in risk.

Don’t turn off your heat

If you plan on being away from your home for an extended period of time, like for a long holiday break, think twice about turning off the thermostat. First, with the temperature off or set too low, even your pipes located within insulated walls have the potential to freeze. Second, when you enter a freezing home and crank up the thermostat your heating unit will have to expend a tremendous amount of energy to warm up the home, costing potentially more money and stressing the system. Set the thermostat to a temperature you deem safe for being away and consider opening up interior doors and cabinet doors to keep the warm air flowing to all of your plumbing. If you fear a burst pipe, install a water sensor that can remotely alert you to the presence of water inside your home.

Leave the water running

If you are expecting freezing temperatures you can turn on a faucet and let the water run in a steady but small flow. An open tap releases air pressure from inside the pipe, and can prevent tearing. So even with a blockage of ice inside the plumbing, an open tap can keep the pressure from building between the blockage and the faucet. If you have both hot and cold taps then leave both open.

Homes most at risk

Homes located in regions that experience reoccurring freezing winter temperatures are usually constructed with well insulated pipes and plumbing. Unfortunately, homes built in Southern climates where only occasional freezing occurs are potentially more at risk for burst pipes. Homes in these warmer regions aren’t usually constructed with frost in mind and homeowners may be caught by surprise by a singular, but damaging, winter ice storm. Regardless of which area you live in, if you suspect air leaks or are wondering if your home needs additional insulation, consider hiring an energy efficiency expert. This expert utilizes specific measuring tools and devices (like infrared technology) to understand exactly where heat loss is occurring in your home and can make recommendations as to how to make your home warmer.

How you can tell if your pipes are frozen

The test to tell if your pipes are frozen is simple: just turn on your faucet or flush the toilet. If no water comes out, suspect a blockage of ice. Turn off your water supply immediately. You may be able to use a heat source like a hair dryer to warm up the pipe and melt the ice however, be aware that any dripping water can cause the potential for electrocution. Never use an open flame as this could cause a fire. Always call a plumber right away if you suspect damage to the pipe or if you aren’t sure where the blockage has occurred. Find an expert on Porch.

This article originally appeared on Porch.com

Written by Anne Reagan

 Porch.com is the free home network that connects homeowners and renters with the right home service professionals.

The post How To Prevent Your Pipes From Freezing appeared first on Best Real Estate Agents in Northern Colorado.

How To Prevent Your Pipes From Freezing

/in , , , /by

As winter temperatures begin to creep up around your home you may start feeling nervous about your water pipes and plumbing. If so, you’re not alone. Frozen pipes (or rather, burst pipes) can cause expensive water damage to your home and property. Even a small tear in a water pipe can send hundreds of gallons of water each minute into your home. According to the Insurance Information Institute, one in 55 homes will submit a property damage claim due to water or freezing this year.  Given the fact that many homeowners take the winter holidays to travel and leave home, it’s important to know what preventative measures you can take to winterize your home. Here are some tips for protecting exposed pipes from freezing temperatures.

Wrap and insulate pipes and plumbing

You can purchase inexpensive foam pipe covers at the hardware store and wrap pipes or plumbing to prevent heat loss inside the pipes.  You can also invest a bit more money and create a more permanent insulation environment for your plumbing by thoroughly wrapping pipes with layers of thick fiberglass insulation. This can be a DIY project or you can hire a plumber to do this for you. Keep in mind that the cost to fix a burst pipe runs an average of $5,000, so spending money to properly insulate your home is a smart way to approach this project.

Identify exposed pipes

Exposed pipes are pipes that are not insulated and may be subject to greater shifts in temperatures. This could include pipes located on the exterior of your home, pipes that lead from the exterior to the interior, or plumbing located in colder rooms like the garage, the attic or the basement (37% of frozen pipes occur in the basement). For faucets or plumbing located outside, like an exterior faucet, you’ll want to follow these steps to get them ready for winter. If you plan on being away from home for a long period of time, it might be a good idea to shut off the water supply and open all of the taps until they run dry.

Why frozen pipes burst

The rips and tears that occur in a frozen pipe aren’t primarily from the expansion of ice: ice blockages create a build up of pressure between the ice and the faucet, and it’s this increase of pressure that actually breaks the pipe. (It should be noted that the expansion of ice can directly cause damage to connection points or weak plumbing.) Additionally, several ice blockages might occur within the same pipe, as can several tears or breaks. The water leaks out when the ice melts and releases the water trapped behind it. Homeowners might not actually see the damage until just after winter, when temperatures rise, ice melts, and water starts leaking into the house. Water can freeze in the plumbing when temperatures reach 20 degrees Fahrenheit, however it has been determined that wind chill factor can increase the likelihood of frozen water so even temperatures higher than 20′ F can result in risk.

Don’t turn off your heat

If you plan on being away from your home for an extended period of time, like for a long holiday break, think twice about turning off the thermostat. First, with the temperature off or set too low, even your pipes located within insulated walls have the potential to freeze. Second, when you enter a freezing home and crank up the thermostat your heating unit will have to expend a tremendous amount of energy to warm up the home, costing potentially more money and stressing the system. Set the thermostat to a temperature you deem safe for being away and consider opening up interior doors and cabinet doors to keep the warm air flowing to all of your plumbing. If you fear a burst pipe, install a water sensor that can remotely alert you to the presence of water inside your home.

Leave the water running

If you are expecting freezing temperatures you can turn on a faucet and let the water run in a steady but small flow. An open tap releases air pressure from inside the pipe, and can prevent tearing. So even with a blockage of ice inside the plumbing, an open tap can keep the pressure from building between the blockage and the faucet. If you have both hot and cold taps then leave both open.

Homes most at risk

Homes located in regions that experience reoccurring freezing winter temperatures are usually constructed with well insulated pipes and plumbing. Unfortunately, homes built in Southern climates where only occasional freezing occurs are potentially more at risk for burst pipes. Homes in these warmer regions aren’t usually constructed with frost in mind and homeowners may be caught by surprise by a singular, but damaging, winter ice storm. Regardless of which area you live in, if you suspect air leaks or are wondering if your home needs additional insulation, consider hiring an energy efficiency expert. This expert utilizes specific measuring tools and devices (like infrared technology) to understand exactly where heat loss is occurring in your home and can make recommendations as to how to make your home warmer.

How you can tell if your pipes are frozen

The test to tell if your pipes are frozen is simple: just turn on your faucet or flush the toilet. If no water comes out, suspect a blockage of ice. Turn off your water supply immediately. You may be able to use a heat source like a hair dryer to warm up the pipe and melt the ice however, be aware that any dripping water can cause the potential for electrocution. Never use an open flame as this could cause a fire. Always call a plumber right away if you suspect damage to the pipe or if you aren’t sure where the blockage has occurred. Find an expert on Porch.

This article originally appeared on Porch.com

Written by Anne Reagan

 Porch.com is the free home network that connects homeowners and renters with the right home service professionals.

The post How To Prevent Your Pipes From Freezing appeared first on Best Real Estate Agents in Northern Colorado.

Homey Ranch In An Active Community

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Featuring 2 Bedrooms, 2 Bathrooms And 2 Patios!

Enjoy the active lifestyle in this 55+ gated neighborhood w/ weekly community activities! Open ranch style home features no stairs, 2 bedrooms, an office and 2 baths. New carpet, luxurious vinyl tile, counter tops and paint. Superior location, backing to private open space with two patios and nice yard. Finished 2-car garage and all appliances stay. Lot rent and monthly fee of $878 includes clubhouse, exercise room, billiards, hot tub, pickle ball courts, monthly calendar of group activities and fun events.

For more information, please visit: http://windermerenoco.com/listing/73695246. You may also call either Aaron Pearson or Susan Ruff at (970) 460-3033.

 

The post Homey Ranch In An Active Community appeared first on Best Real Estate Agents in Northern Colorado.

A Beginner’s Guide to Managing a Remodel

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Browsing photos and ideas can be a fun part of creating your dream room. But making your designs a reality also takes smart planning and organization. Project management is an essential part of remodeling, and there’s nothing like the feeling of implementing a plan to create something new and beautiful. These tips can help you achieve your desired results.

Find a Local Contractor to Create Your Dream Home

YourSpace Contractors, original photo on Houzz

Become a list writer. Making lists is key when it comes to project management. It’s the only way to properly organize your thoughts and prevent any details from being forgotten.

The most important list is your scope of work, or specifications, document. This is basically a detailed list of everything to be done, from start to finish. If you’re dealing with one main builder who’s organizing all the work, then you’ll need to make sure he or she gets a copy, so the goals are clear and all the information is provided.

Also, having detailed specifications makes it easier if you want to obtain multiple quotes, and you’ll know it’s a fair comparison since all the builders will be quoting using the same criteria.

frenchStef Interior Design, original photo on Houzz

Make sure you’re all on the same page. If you’re coordinating separate subcontractors (cabinetmaker, plumber, electrician), then it would be worth indicating who’s responsible for each task. Give a complete copy of the specifications to all of them, so they’re all aware of what everyone is doing. Discuss the specifications with your subcontractors since they may be able to provide help and advice. A schedule is also useful, so you can keep track of progress and everyone knows who’s going to be on-site on which day.

With prior knowledge that a partition wall will feature some lighting, for instance, the builders will know to leave the stud frame open for the electrician to run the wires through before it’s boarded up and plastered over. Trying to feed wires through after the fact is much harder, takes longer and risks unnecessary damage.

Sian Baxter Lighting Design, original photo on Houzz

Break into subsections. In addition to your main specifications, it’s a good idea to have sublists for each separate element of your design. For example, your main specifications may say “install 6 x recessed LED downlights in ceiling,” but your lighting specifications will detail where they are to be positioned, the type of bulb, the hardware finish and so on. The more information you provide, the more accurate your quote should be and the less likely it will be for mistakes or misunderstandings to occur. It will also minimize any unexpected costs.

This bathroom has a minimalist elegance, but it’s far from straightforward. This project would have required a builder’s spec, including layout and elevation drawings with dimensions, an electrical spec with lighting plan, a plumbing spec with layout drawing, and a decorating spec — phew!

Plan like a pro. Finalize your design before starting any work, rather than trying to do it as you go along. The process will be much more enjoyable without constant deadlines presenting themselves, and if you haven’t planned, you may find your options restricted based on work that’s already taken place.

Take a couple of weeks to put it all together, write your specifications, draw up the plans, get everything ready and make all the decisions before proceeding. This will save you time and money along the way, and significantly reduce stress levels during the project.

This clever design features well-thought-out lighting and custom cabinetry. Careful consideration would have been given to where to position the outlets, radiators, lights, switches and other details.

Yellow Letterbox, original photo on Houzz

Never assume. You know the saying. When writing your specifications or drawing your plans, never assume that someone else will know what you want unless you explicitly state it. Include every tiny detail, no matter how picky it may seem. As well as avoiding mistakes, it also prevents any disputes over what is and isn’t included in the quote.

This bathroom just wouldn’t have looked the same if white grout had been used, for instance. You may think it would be absurd to even consider using white grout in this case, but if you haven’t asked for dark gray, you can’t expect it and you can’t assume that you will be asked what color you want. White is standard, and a tiler may use it if nothing has been specified.

Stand by for decisions. Your builder will present many questions and decisions to you along the way. Which tiles do you want on the walls? Where do you want these wall lights? What color do you want on the baseboards?

Your best bet will be to try to pre-empt as many of these decisions as possible and have the answers ready or, even better, provide the information in advance. Making these decisions under pressure can lead to impulse moves you may regret later. However, taking too long could hold up the project, costing you time, money and the patience of your builder. No one wants an unhappy builder.

Inevitably, there will be some questions you couldn’t have anticipated, but if you communicate well with your contractors, they should, where possible, give you time to make a decision without holding up the project. Don’t be afraid to ask their opinion on the best course of action, but don’t feel pressured to compromise on the design if you don’t want to.

Brilliant Lighting, original photo on Houzz

Give yourself time to deliver. This is one of the classic pitfalls, so take note. When pulling your design ideas together and deciding which products and materials to use, make a note of the lead times. Many pieces of furniture are made to order and can have lead times of up to 12 weeks, sometimes longer. Similarly, tile and natural stone can take much longer than expected to arrive, and products from abroad can encounter holdups during transit.

This chandelier was custom-made for the project and looks fantastic. This is no last-minute, off-the-shelf, next-day-delivery job. It can be a huge shame if you’ve spent hours, days, weeks choosing the perfect product, but when you come to order it, you find that it will take too long to be delivered, perhaps time you can’t afford. Then you have to decide whether to hold up the work or pick something else based on the fact it can be delivered quickly.

Find a Bathroom Vanity for Your Bath Remodel

Factor in a contingency. Even when you have the very best of intentions, issues that you couldn’t have predicted may arise during your project. So it’s a good idea to factor in a 10 percent contingency within your budget for these matters, especially with old buildings. Who knows what condition the walls are in behind those kitchen cabinets before you rip them out? Or what may be lurking underneath that carpet when you pull it up?

In these situations, it’s important to expect the worst and don’t let it throw you off your game. You are a project manager extraordinaire, and you’ve totally got this. Just accept that these things happen, find out what the options are and make a decision. Your contractors will be able to advise on what to do, so harness their expertise and trust them to help you find the right solution.

Elayne Barre Photography, original photo on Houzz

Call in the cavalry. If you choose to manage your project yourself, it’s certainly an enjoyable and rewarding process, but it also takes a certain type of person. You have to be organized, calm under pressure, strategic and confident — not to mention being able to afford the time to plan, coordinate and oversee the work.

If you have qualms about taking it on yourself, then consider hiring a project manager. Yes, there will be a fee, but consider that a badly managed project can cost you time and money, and you may not achieve the results you were after. A pro will take care of everything and allow you to rest easy, knowing you’re in safe hands.

By Jennifer Chong, Houzz

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