Category: Brandpoint Home & Garden

2023-12-19T09:01:01

(BPT) – Today’s homeowner wants their bathroom to be a sanctuary for relaxation and self-care, so it’s no wonder that the bathroom redo has become one of the most popular renovation projects. A recent survey from Houzz showed that one in five homeowners (22%) enlarge the primary or en suite bathroom during a renovation. And with the extra space, more than three in five homeowners (61%) increase the size of their shower. Transforming your bathroom into a spa-inspired retreat will not only impact your overall well-being and comfort but can also boost the value of your home.

The design team at Wilsonart, an industry leader in engineered surfaces, offers these five tips to consider when expanding and enhancing your shower space:

1. Set a realistic budget

Enlarging the size of your shower space is an investment. Prior to getting started, set a realistic budget that includes not only the construction costs but also the cost of materials such as the shower surround surface, fixtures, floor tiles and other design elements. It’s also smart to have a contingency fund ready for unforeseen expenses that are sure to pop up along the way. And don’t underestimate the power of DIY when it comes to cost-efficiency. If you are handy with tools and willing to learn, there may be certain aspects of a bathroom renovation that you can tackle yourself. Taking on tasks like painting or even assembling fixtures can significantly reduce labor expenses.

2. Choose the right materials

Selecting the right materials is key for both functionality and style. For shower surrounds, select a surface with style that will stand the test of time and fit your lifestyle needs. An on-trend option like the Wetwall™ Waterproof Wall Panel System makes it easy to transform bathrooms and create spa-worthy retreats that deliver high-end designs without disruptive demolitions. Ideal for shower walls, bath surrounds, accent walls and cladding, the easy-to-clean, grout-free system features tongue-and-groove panels that can be installed in as little as 2.5 hours and do not require special tools. The system is simple to maintain and features a patented, waterproof core that offers antimicrobial protection that inhibits the growth of stain- and odor-causing mold and mildew. Inspired by the beauty of nature, the two latest designs to join the collection, Tuscany Marble and Darlington Cherry, can add a high-impact, bold statement to any bathroom, without breaking your budget.

3. Invest in quality fixtures and features

Give your new shower space the quality fixtures and features it deserves. Adding simple luxuries like a rainfall shower head or built-in shower seat will help turn any bathroom into a sanctuary. Today’s on-trend fixture finishes include matte black, aged bronze and brass, all of which are sure to add a touch of elegance while perfectly complementing your surface selections. While investing in high-quality bathroom accessories may add to your renovation’s bottom line, it can actually save you money in the long run since cheaper fixtures tend to be more prone to breaking or wearing out.

4. Maximize natural light

Incorporating natural light into the bathroom can help enhance the room’s overall aesthetic and make the space feel larger. Consider adding a window or a skylight strategically placed to maintain privacy, while allowing natural light to enter the room. This extra light can enhance your mood while also saving money on electricity bills.

5. Incorporate smart storage solutions

Having an organized shower can help streamline your morning routine while maintaining the visual appeal of the bathroom. Incorporating built-in storage niches helps create an elevated design aesthetic and optimizes convenience. The Wilsonart^® Bath and Shower Accessories Niche collection is compatible with the Wetwall system and features sleek and functional recessed shelving for holding shampoo, soap and other shower accessories. Not only do these built-in bathroom storage ideas maximize square footage, but they also make a strong design statement.

Transforming your shower can take your entire bathroom to the next level and create a tranquil place to start and end your day.

For more bath inspiration and information, visit https://www.wetwall.com/.

2023-12-18T07:01:00

(BPT) – Interior design trends are always in motion, as the industry pulls inspiration from various styles and environments. There are a multitude of ways to elevate and personalize your design, and the new year is the perfect time to refresh your perspective and approach to the home. Try returning to the basic principles of form and functionality to curate a room that showcases modern sensibilities, or incorporating unique details to add character and depth to a space.

Modern Functionality

The simplicity of modern style is a draw to many who love clean lines and functionality. Recently, there has been an uptick in “soft modern” design, which brings a sense of warmth to a contemporary space through details, colors and accents. The Jason Wu for Brizo™ Kitchen Collection embodies this sophisticated style with its fresh, streamlined aesthetic and unparalleled customization options and finishes. The collection’s Matte White signature finish is timeless, and the ability to select Polished Nickel or Wood faucet levers adds a touch of personality. Choose these warm, neutral tones to bring in elements from nature, transforming a modern room from cold and sterile to functional, yet fashionable.

At-Home Spa Oasis

Spas are sanctuaries that ease both the body and mind. When designing your own space, opt for features and fixtures that bring heightened luxury to your bathroom. One way to create a sense of serenity is to incorporate the calming benefits of steam found in the Mystix™ Steam System by Brizo^®. The system offers enhancements, such as chromatherapy, audiotherapy and aromatherapy, to stimulate and soothe the senses in a well-rounded wellness experience. With these features, there is no need to wander further than your own home to indulge in the advantages of a spa.

Texture & Saturation

To amplify visual interest in the home, bring in dimension through layered fabrics and textured wallpapers. Consider adding a limewash to add a notable, but soft approach to texture and to create a sense of depth in a space. A similar outcome can be achieved through a subtle tile accent on the walls or ceiling as an innovative way to bring more character to the design without overwhelming a room. Handpicking unique accents and color choices can redefine the living space. Replace small pops of color with bold, vivid hues or look for distinctive split finishes that enhance your fixtures and catch the eye. The Brilliance^® Black Onyx/Matte Black, Brilliance^® Luxe Gold^®/Clear, Polished Chrome/Clear split finishes from Brizo are striking options and add a touch of the unexpected to the kitchen and bath.

2023-12-14T12:01:00

(BPT) – Before the snow flies and the temps get icy cold, you may want to take some extra steps to ensure that your house will stay comfortable all season long — no matter what Mother Nature sends your way. During a time when heating costs are on the rise, another advantage to making sure your HVAC system is working well is that you may save on energy bills.

When should you check your heating system? How about right now, before the autumn rush. You’ll have peace of mind knowing that your home will be toasty and warm — instead of having to wait weeks or even months to tune up, repair or upgrade your HVAC system.

Here’s a guide to simple steps for checking your heating and cooling system that you can start doing today.

1. Consider a thermostat upgrade.

For any home with an older thermostat, upgrading to a more energy-efficient, smart thermostat can make a huge difference in terms of comfort and energy costs. Smart thermostats allow you to control your thermostat much more easily, even when you’re far from home, so you can regulate your system and keep it running smoothly. Today’s thermostats are far easier to program to provide maximum efficiency and comfort.

2. Check the filter.

When was the last time you changed your furnace filter? Ideally, you should write the date you change it right on the filter, so there’s no question how long it’s been in there. You can also set a reminder on whatever calendar you use for regular appointments.

A dirty furnace filter makes your HVAC system a lot less efficient, not only increasing your energy bill, but also making your home’s air less clean and comfortable — plus full of potential allergens. Check your HVAC system manufacturer’s instructions on how frequently to change the filter, but remember that you can also choose to change it more frequently if someone in your family has allergies or you have pets.

3. Tune it up.

Take a quick assessment of how well your system is working by cranking up the thermostat. Is the heating turning on right away, and can you feel warm air coming through the vents? If it takes a long time for your furnace to get going or the air flow is weak, you may need more than standard maintenance. It could be time to consider upgrading your system.

Early fall is the ideal time to schedule a tune-up by a professional HVAC technician, who can clean and check your system to make sure everything is working as it should. Because techs get busier when temperatures dip below freezing, you won’t have to wait as long if you proactively schedule your tune-up now. Regular maintenance and tune-ups not only mean a warmer winter for you and your family, but also safeguard against problems that could even become safety hazards in the future.

4. Decide if you need a new system.

How old is your heating system? If it’s no longer functioning efficiently, replacing your HVAC with a newer model can offer benefits including a much warmer home all winter long — and potential savings on your energy bills.

During your HVAC tune-up, ask your technician what shape your furnace is in, and whether there are any signs that it needs to be repaired or replaced soon.

5. Assess the concrete pad’s condition.

Your outdoor condensing unit should be placed on a level concrete pad. This will ensure that it works more efficiently, plus making it safer from potential minor flooding. If you have a level, you can easily use it to check the slab that your condensing unit currently sits on. If your old concrete pad is not level and/or is in rough shape, this is something that should be corrected, whether or not you plan to replace your HVAC system.

When you’re ready to replace your condenser, one way to save money is by installing a level and strong foundation yourself. This can be done by using four 24″x24″ square concrete stones from Pavestone, along with paver sand (for leveling) and base, for drainage. Pavestone concrete stones provide a quick and easy solution to creating a solid, level foundation for your HVAC system, and don’t require expertise to install.

Learn how to install your new foundation by checking the easy-to-follow instructions on the product, and check out the similar process in this video for how to install patio stones on the Pavestone website.

By using these tips, you can be sure your home will be ready for winter, well before the season arrives. By acting now, you’ll find better prices on system maintenance or the purchase of a new thermostat or HVAC system — and less time to wait for service.

2023-12-13T10:01:01

(BPT) – If you love your outdoor space — but aren’t crazy about weeding, watering and mulching — you’ll be glad to know there are simple ways to minimize maintenance of your yard and garden. With a bit of planning and some up-front investment, you can cut down on the time you spend working in your yard, so you have more time to just relax and enjoy it.

Here are tried-and-true tips for creating an outdoor space that won’t use up all your leisure time.

1. Reduce your lawn

To cut down on the weekly attention a typical lawn demands, consider cutting down on the square footage of grass. By adding more hardscaping — a larger patio, decking, a gazebo or other structure — you may also expand the ways you can enjoy your outdoor space beyond just watching the grass grow.

Another alternative to grass many choose today is artificial turf, especially in areas experiencing water shortages.

2. Plant — or replant — more thoughtfully

What you grow in your yard makes a huge difference in terms of maintenance. To reduce your workload, try to:

• Choose perennials that are low-maintenance and don’t require replanting
• Opt for native plants suitable for your region
• Select hardy plants that thrive on benign neglect
• Plant in the best spot for optimal growth

For help choosing the most maintenance-free plantings for your yard, start by doing an online search for native plants in your state, along with looking up the USDA hardiness zone where you live. Nursery or garden store professionals can also offer their expertise, as can your local agricultural extension office.

Rethinking your choices of flowers, plants and shrubs can turn a yard that needs constant tending into one requiring minimal effort.

3. Use landscaping stone to beautify your yard and garden

Another great option for simplifying yardwork is using landscaping stone instead of standard mulch. While requiring a bit more investment up front, options like Pavestone Pea, Pond or River Pebbles are much more cost effective over time, because stones are much longer lasting, making them ideal for gardens, pathways, ponds and many other applications around your yard.

Landscaping stone is a very low-maintenance, highly sustainable and attractive alternative, as most traditional types of mulch only last three months to a year. Mulch may blow or wash away (creating a mess you have to spend time cleaning), and also quickly decays, degrades or decomposes — so you have to replenish it again and again to keep weeds under control. It’s also difficult to keep mulched garden beds free from dead leaves and debris, but with landscaping stone you can easily remove unwanted debris with a leaf blower.

Landscaping stone is also very effective at preventing weeds, while providing an attractive bed to showcase your decorative plants, flowers and shrubs. You also avoid concern about importing termites into your yard as compared to untreated wood-based ground coverings — and in drier climates, rocks are the ideal choice as they’re not flammable.

If your lawn or garden experiences drainage issues, mixing and matching landscaping stones of different sizes like Pavestone’s Pea, Pond or River Pebbles helps control water flow and facilitates runoff, while helping maintain your landscaping grading. Pavestone’s landscaping rocks are easy to spread wherever you need them, helping to control soil erosion and retain moisture.

While clearly practical, landscaping stone also provides unique beauty for any project. You’ll see a wide variety of earth tones in landscaping stone from Pavestone that add nuanced color to your garden beds. They come in a variety of shades of tan, brown and gray, depending on where they were derived.

Another option to consider is Pavestone’s Premium White Marble Chips. These beautifully shiny white stones provide high color contrast for your garden beds, or they can be used as a top layer on a bed of Pebbles to create your desired look. Whatever colors you choose, Pavestone landscaping stones resist fading, and they’ll beautify and enhance the appearance of your landscaping beds for years to come.

Find Pavestone Pea, Pond and River Pebbles and Marble Chips at your favorite home improvement store, or visit Pavestone to learn more.

4. Automate watering

Installing an irrigation system also saves a ton of time — and ensures your plants are getting the water they need to thrive. Automated irrigation is also a more efficient, effective use of water than sporadic manual watering. While there is a cost up front (depending on the system, size of yard, etc.), installing a good lawn irrigation system can also help improve your property’s value.

Using these tips can help save you time and effort, allowing you to make the most of your outdoor space with your friends and family.

2023-12-13T08:01:01

(BPT) – HVAC systems not only enhance home comfort but, when operating efficiently, can also contribute to cost savings. As colder temperatures begin to sweep the country, many homeowners are wondering how to best utilize their HVAC system to avoid costly heating bills. Similarly, these tips apply to warmer temperatures and savings on cooling bills.

Here are five strategic ways in which a home’s heating and air conditioning system can optimize the climate and serve as a savvy tool for trimming down home expenses. From smart usage practices to regular maintenance tips, these insights can help any homeowner’s HVAC system to last for years to come and provide additional comfort and savings.

Maximizing the efficiency of a home’s current system is key to ensuring it works optimally over the years while continuing to provide utility bill savings due to efficiencies.

Consider implementing the following strategies to minimize expenses with an existing HVAC system:

1. Enhance the home’s weather resistance

The operational dynamics of an HVAC system are significantly influenced by how well the home functions. A well-functioning home correlates with an efficiently operating HVAC system. Weatherizing the home not only amplifies its overall effectiveness but also elevates comfort levels while reducing energy expenses.

Weatherization entails sealing all windows, doors, attics and basements to thwart heat loss. If the home has an older duct system, consider sealing it to prevent conditioned air leakage into unconditioned spaces, potentially leading to prolonged HVAC system operation. In regions with hot or warmer climates, installing blinds or solar shades can effectively mitigate the entry of the sun’s heat, minimizing the reliance on air conditioning.

2. Regulate the home’s humidity levels

Effectively managing the humidity within the home contributes to maintaining optimal comfort and reducing costs. During the winter, introducing humidity into the living space prevents dryness and also enhances comfort at lower temperatures. In the summer, maintaining lower humidity levels promotes comfort even at higher indoor temperatures. In both scenarios, controlling home humidity lessens the operational duration of the HVAC system required to sustain a comfortable environment.

3. Get smart about the thermostat

Take charge of temperature settings to suit your preferences, whether at home or away. Utilize solutions such as Rheem^®’s EcoNet^® Smart Thermostat that enable seamless temperature adjustments from any location. Leveraging geofencing technology, EcoNet intelligently detects the homeowners’ presence, adjusting the heating or cooling settings to maximize energy efficiency based on whether they are home or away.

4. Implement energy-efficient practices

Incorporate energy-conscious practices as part of a daily routine to optimize the efficiency of your HVAC system and achieve substantial long-term savings on home energy bills. Begin by ensuring that doors and windows are closed when the HVAC system is in operation, preventing the unnecessary loss of conditioned air and ensuring that the home maintains a consistent and comfortable temperature. Utilize ceiling fans strategically to enhance air circulation, promoting even distribution throughout the living space. These straightforward yet impactful habits collectively contribute to heightened energy efficiency, translating into tangible and lasting reductions in overall energy expenses.

5. Keep current with routine maintenance inspections.

Scheduled service checks guarantee the optimal and efficient operation of any HVAC system, simultaneously averting potential major issues that could jeopardize both efficiency and the overall health of the system. It is advisable to conduct maintenance checks at least bi-annually, ideally before the onset of significant heating and cooling seasons during the winter and summer.

Looking to do a complete overhaul and in search of an energy-efficient HVAC system but unsure where to begin? Explore leading HVACR manufacturer, Rheem’s Sustainability Standouts for a comprehensive lineup of efficient solutions designed to ensure a comfortable home and efficiencies that provide long-term budget savings.

2023-12-11T02:01:00

(BPT) – When it comes to interior design, nothing can beat the classic elegance of tile. The versatile material can be used in just about any room in a home or office building. Whether you use ceramic or stone tile for kitchen backsplashes and countertops, bathroom flooring and shower walls, fireplace mantles or lobby floors, it has the power to transform and elevate a space’s design.

Because of its timeless style and durability, demand for tile has increased in residential and commercial sectors. According to a report from Technavio, the ceramic and natural stone tile market is expected to grow 7.19% annually through 2028. It’s not hard to see why tiling is so popular. Its versatility, durability and aesthetic appeal make it ideal for interior and exterior applications that will stand the test of time.

As the demand for tile in construction projects increases, contractors will need to find ways to efficiently install tile so they can quickly move from one project to the next. To do so, they’ll need the right products to do a great job on a tight schedule.

A revolutionary product for tile installation

Tiling can be a time-consuming process, and grouting is one aspect of tiling that can take a while. Between mixing, applying and waiting for the grout to dry, contractors can lose a lot of time on a project. That’s why choosing the right grout is crucial for an efficient tile installation project.

To help contractors deliver quick, quality work, Custom^® Building Products — North America’s leader in tile and stone installation — has created a revolutionary product that allows commercial and residential contractors to finish jobs faster. Its Prism SCG Ultimate Performance Pre-Mixed Single Component Grout is built on eight years of research and development, delivering convenience and dependability in handling during installation.

“We’re constantly striving to reimagine new and better ways to install and maintain tile and stone products,” said Ian O’Connor, product manager of CUSTOM’s Grout, Waterproofing and Care, “and Prism SCG is the result of our commitment to technical innovation.”

The professional-grade grout is easier to spread than traditional grout and easier to clean than cement or epoxy grout. Prism SCG is a pre-mixed, efflorescence-free and crack-resistant sanded grout that is ready to use straight out of the container for interior and exterior installations of glass, ceramic, natural stone and other tiles on walls, floors and ceilings. Available in 40 designer colors, contractors can use this new grout for just about any residential or commercial installation project.

“It’s extremely easy to work with and cleans easy,” said contractor and business owner Dan Lambert. “You can leave this grout on for up to a half-hour or more, come back and still be able to wipe it off while maintaining full joint and color consistency.”

“Time is money” is a popular phrase in the contracting industry for a reason. With Prism SCG’s stain resistance, perfect color consistency and high performance in wet areas, tile and stone installers can deliver quality work in less time. To learn more, visit CustomBuildingProducts.com.

2023-12-08T07:01:00

(BPT) – Water conservation is a topic oftentimes disregarded. If not prioritized by contractors and tenants equally, the ramifications can be costly. As the U.S. population grows so does the need for water, and according to UNICEF, half of the world’s population could be living in areas facing water scarcity by as early as 2025.

Whether you’re a self-made developer, working contractor, or simply interested in getting into the business, the suggestions below can help counsel and ensure multifamily units are suitable for adequate living.

Water-saving tips

The average American family spends more than $1,000 per year on water costs. That translates to about an $83 monthly water bill, according to the EPA. Fortunately, there are simple tweaks one can implement to help cut down on consumption and reduce that monthly spend.

Install a new showerhead

The average family could save 2,700 gallons per year by installing WaterSense^® labeled showerheads. These types of showerheads can also help alleviate water heater demands and save on energy consumption. Luckily, many of Peerless Faucet’s bath fixtures are proudly WaterSense labeled which denotes the fixtures use at least 20% less water than the industry standard without compromising performance. A great option is the brand’s 5-Function Showerhead with POWERush technology. This showerhead uses larger water drops in a unique wave pattern for a more drenching sensation. With this technology, contractors can promise tenants a rejuvenating experience without increasing overall water usage.

Monitor for potential leaks

Whenever faucets drip, it could be more than just water going down the drain. Faucet leaks waste environmental resources and cost tenants money, which in turn could be requested as a credit from property management. Experts estimate that even a small drip, once every 10 – 15 seconds, can waste almost 15 gallons a month, or nearly half a gallon in a day. You can easily check for leaks by observing the plumbing. It’s important to keep eyes peeled and physically feel exposed pipes to check for any running water. Condensation around pipes can also be a sign of leakage. For toilets, a simple dye test can even verify if the flapper is sealing properly and help prevent silent leaks.

For contractors specifically, ensure all fixtures are installed properly — from the back-of-the-wall pipes to the product itself, each step should be followed with care to avoid future leaks. Most brands will provide an install guide within the packaging, but if that gets lost or misplaced, the brand’s website can also be a handy resource to find these materials.

Change your bathroom habits

Daily routines that are often overlooked can also have a significant impact on your water bill. For example, many may not realize that each time one leaves the water running while they brush their teeth, four gallons of water goes down the drain. Simply turning off the water while brushing is a simple way to save. Other easy solutions for conserving water are turning off the shower while lathering or the kitchen faucet while scrubbing dishes.

Both contractors and tenants should prioritize water conservation best practices. Water is universal, and an element shared by all, so making sure it’s preserved and filtered adequately can ensure a better quality of life and monthly savings.

2023-12-06T12:47:00

(BPT) – This is it, folks. Platinum-selling recording artist Brett “Mr. Christmas” Eldredge has unwrapped his décor picks for the 2023 holiday season, and it might just be the best-looking list of all time.

The décor guide was released as part of Eldredge’s ongoing partnership with Lowe’s, which is also the official décor sponsor of his 2023 Glow LIVE holiday tour. The tour, based on his celebrated 2016 album of the same name, has grown into a beloved Christmas­time tradition across the country.

“This is my favorite time of the year, and I love that Lowe’s goes all out — because I do, too,” said Eldredge. “From the classic trees that I love to yard décor, matching garland and wreaths, and more, they’ve got all the festive finds to greet guests, inspire wonder or get in the spirit.”

1. For the New Homeowner

The first holiday in a new house often means starting from scratch, décor wise. This magical, yet classic Pre­Lit Fawn and Doe Pair will get any freshly minted homeowner off to a stunning start.

2. For the Outdoor Decorator

Whether they have a sweeping estate or a petite patio, this 9­ft Spruce Artificial Garland is beautiful for anyone who takes a festive pride in their home’s exterior.

3. For the Coziness Champ

Classic aesthetic meets comfy vibes with this chic French Blue Throw. It’s a wonderful gift for bookworms and movie buffs alike who prefer to snuggle up in style.

4. For the Practical One

This Outdoor Door Mat is sure to delight, being both undeniably charming and classy — with a fun twist.

5. For the Crowd Pleaser

Mantles are the focal point of a room and can be decorated for each and every season. This festive, charming deer is the perfect stunner to get holiday guests talking and bring in the holiday spirit!

6. For the Traditionalist

For those that find the holidays about shimmery perfection, this 48­in Artificial Wreath, crafted with mixed greenery, golden baubles and fairy lights, is ideal.

7. For the Hot Cocoa Enthusiast

Tasteful and playful, these Candy Cane colored mugs are perfect for the seasonal hot drink connoisseur with a soft spot for cute design. They can even be packed with hot chocolate supplies to create a charming cocoa kit!

8. For the Interior Remixer

If they love giving their indoor space a facelift from time to time, they’ll love these Gradient Tan Faux Sheepskin Throw Pillows. They’re deliciously soft, with a neutral color palette that complements just about everything.

9. For the Stocking Stuffer

Who doesn’t love opening a full stocking on Christmas morning? Make your stockings the star of the show with these Silver Stocking Hangers.

10. For the One Who Needs to Think Big

As for big spaces, this graceful 11-ft Pre-Lit Artificial Tree is the ultimate gift for someone who hasn’t figured out how to get the most out of their grand hall just yet. It’s 132 inches of splendor, sure to give even the most towering rooms the coziest Christmas glow.

Of course, the choices don’t stop at just these ten ideas. You can find all Eldredge’s décor picks, as well as gift picks for everyone on your list, on Lowes.com. With a list this good, you’re guaranteed to have the most magical home on the block.

2023-12-05T20:01:00

(BPT) – With the new year just around the corner, you may be thinking ahead about home improvements you want to make in the coming year. Especially if you’d like to maximize your outdoor space, planning ahead is crucial. Imagining exactly how you want to use the area outside your home can help you make decisions for expanding your living space beyond its four walls — comfortably and beautifully.

To start your planning process, these 2024 design trends may influence your decision-making, along with tips and tools to help turn your outdoor living dreams into reality.

1. Unique usage of space

Due to higher interest rates and other factors, today’s homeowners are staying in their homes longer. As a result, homeowners are getting more creative around using their existing outdoor spaces, and are heavily investing in this part of their property. Instead of just an outdoor barbecue area where friends and family can hang out, outdoor spaces are fulfilling functions traditionally seen only indoors.

Beyond building entire outdoor kitchens, homeowners are creating outdoor office areas for remote work in the fresh air, studios for creative endeavors and areas suitable for meditation, yoga or other forms of exercise. The sky is the limit when it comes to your outdoor space. How about a gaming area or a movie theater? Imagine how you most want to spend your time outdoors, then see how you can make it happen.

2. A backyard retreat

Another result of today’s economic climate is that multigenerational homes are becoming more popular. And with more family members sharing a home, many may be seeking ways to create more private spaces for family to enjoy a little “me time.”

Outdoor spaces present a huge opportunity to create more breathing room and expand beyond the four walls of your home. Separating parts of your outdoor area by adding screen panels or shade structures can help invite solitude for individuals needing a little escape. You can even find ways to mask intrusive noise such as a water feature or wind chimes, which can make a world of difference for developing a peaceful outdoor oasis.

3. Eco-friendly attitudes

Although this is not a new trend, 2024 will see further expansion of environmentally friendly projects like pollinator gardens, stormwater captures, native planting, zero-scaping and using permeable pavers in outdoor spaces.

For example, Belgard’s permeable pavers, also known as permeable interlocking concrete pavements (PICP), are installed with layers of varying-sized stone or aggregate underneath that filter and direct stormwater to underground aquifers, mimicking the way natural land absorbs water. With permeable concrete pavers and permeable grass pavers, any rain falling on your patio, walkway or driveway seeps back into the ground, reducing the burden on storm drains.

The primary goal for all these approaches is to develop a more eco-friendly outdoor space requiring fewer resources — making it easier and more natural to maintain.

4. Natural tones and materials

The emphasis on the environment and incorporating nature into your outdoor space also inspires design choices based on colors found in nature, and materials with the look and feel of organic elements.

Staying within this aesthetic, you can find hardscaping options ranging from retaining wall systems, outdoor kitchens, fire pits and pavers for patios, walkways and driveways from Belgard offering a color palette ranging from neutrals to cool and warm tones — but always appearing natural and pleasing to the eye.

5. Gardens galore

One of the biggest shifts across the country is a renewed interest in gardening and growing your own food. From those who want to live more healthful, balanced lives to foodies who seek to use the freshest produce in their culinary creations, gardening is the answer — and a fun, easy way to spend time outside. This trend also brings generations together, from those who’ve been gardening for decades to enthusiastic new gardeners of Gen Z.

Another great thing about gardening is that you don’t need much square footage to get started. Container gardens, raised beds and vertical gardening are all ways to explore growing your own fruits, vegetables and herbs.

Ready to get inspired? Learn about all the possibilities for your outdoor space at Belgard.com.

For additional help envisioning your outdoor space, Belgard Rooms Planner gives contractors and homeowners a templated outdoor design plan that can be further customized to meet every homeowner’s needs. Even better, Belgard Rooms provides an augmented reality (AR) feature, letting you select AR plans and drop them into your outdoor space to view, walk through and scale templated outdoor rooms, bringing them to life in your own backyard. AR Rooms makes it easy for you to test a variety of rooms, features and styles in your outdoor space, also making it easier to communicate your vision with your contractor. Currently, 38 AR Rooms can be viewed on any device that will help you design your dream space in 2024.

2023-12-05T07:01:00

(BPT) – By Brian Walsh, “CERTIFIED FINANCIAL PLANNER™”¹, SoFi

Deciding to purchase a home, especially if you’re a first-time homebuyer, is a big and exciting milestone. It will define your finances in the short- and long-term and will likely be the biggest purchase of your life, so it’s natural to want to make sure everything goes right — location, budgeting, credit profile, Realtor, and lender.

Now, there is no one-size-fits-all approach when preparing to buy a house, and everyone’s financial situation is different, but there are some good rules of thumb to follow as you develop your plan. That’s where I come in, to help ease some anxieties in the preparation process and to offer some helpful tips as your planning and path to homeownership begins.

Can I Afford to Buy a House?

Affordability is one of the main obstacles people face when deciding to purchase a house. Property values have substantially increased since the onset of the COVID-19 pandemic as buyers flocked to suburban settings and purchased new properties. Three years ago, interest rates were historically low, creating ideal conditions for some buyers to secure an affordable loan.

Since then, however, rates have risen as the Federal Reserve — the main federal government agency responsible for rate hikes — has sought to combat inflation, resulting in an increase in mortgage rates as well. For prospective first-time home buyers who are just now exploring homeownership, now is the ideal time to start creating a plan to put you on a path toward homeownership.

While saving toward your down payment fund may take time, here are some ways to help you get started:

If your timeline is under three years, consider a conservative investment portfolio, or maybe a high-yield savings account.

If your outlook is three to five years from now, consider a conservative or moderately conservative investment portfolio that can grow your money faster than a cash-based account.

If you’re anticipating buying a house in the next five to 10 years, consider a moderate or moderately aggressive investment portfolio that can yield higher returns in the long run.

Planning and budgeting will help create friendlier paths as you pursue homeownership.

Credit Score is Paramount

Your credit profile also plays an important role in your planning.

One of the best things to do ahead of a home purchase is to understand and build your credit score. Banks and lenders look at your credit score to determine your creditworthiness and to evaluate the risk associated with lending you money. Typically, the higher your credit score, the higher the chance that you will be able to lower your interest rate. Over the life of a loan — say 15, 20, or 30 years — this could potentially translate to thousands of dollars in savings. A lower rate will keep monthly payments lower or even provide the ability for you to pay back the loan faster.

As an example, let’s look at SoFi’s mortgage calculator: If you were to take out a mortgage on a $500,000 home after putting 20% down with an 8% interest rate on a 30-year fixed rate mortgage, your monthly payment would be $2,935 and you would pay $656,620 total with interest over the life of the loan.

If you were to take out that same loan with a 7% rate of interest, your monthly payment would be $2,661 and you’d pay $558,035 total with interest. The difference of 1% in interest results in almost $98,585 paid over time.

I’m Ready to Buy Now

Now, if you’ve saved enough and you’re comfortable with your credit score, and you’ve done your research, then it’s time to take the leap!

There are lots of programs out there, so be sure to do your research on which one is the right fit for you.

If you’re a first-time homebuyer, you have access to down payment assistance and flexible loan qualification requirements. Who qualifies as a first-time homebuyer? Someone purchasing their very first home, sure, but also someone who has not owned a principal residence in the past three years, as well as certain other groups. So check into whether you qualify.

First-time homebuyers may be able to get a Federal Housing Administration (FHA) loan, which can have a down payment as low as 3.5%. Some other lenders, like SoFi, also offer as little as 3%² down for qualifying first-time homebuyers. You may have to pay for private mortgage insurance (PMI) or pay a mortgage insurance premium (MIP), as most lenders require one or the other when the down payment is less than 20% of the purchase price.

Veterans, active military service members, National Guard and reservists, and surviving spouses also have flexible benefits when purchasing a home. If you fall into this category, then you can take out a VA loan that is backed by the U.S. Department of Veterans Affairs and offered by private lenders. Because the VA guarantees a portion of the home loan, people in this category can qualify for perks like lower-interest rates, lower closing costs, no mortgage insurance, and no down payment requirement. Make sure your lender offers a VA loan if you decide to pursue this great benefit.

Hire a Good Real Estate Agent

A skilled real estate agent can help buyers locate their dream home, navigate negotiations, and wrap up all that tedious paperwork. An agent with a strong professional network and familiarity with the housing inventory where you’re hoping to buy may even get early word of so-called “whisper listings” — properties that are about to come on the market.

First-time home buyers may find an agent’s guidance to be especially helpful. Experienced buyers may find value in expert advice. (If you do feel confident you have the skills to go it alone, buying a house without a real estate agent is possible.)

Competition Promotes Additional Perks for Buyers

Lenders will compete for your business, so you have the upper hand. Do your research and see what additional perks the lender can give you as you decide on which one is best suited for you and your family. Excellent customer service is essential, so make sure your lender has a reputation of being available, has a rate lock, and an on-time closing guarantee offer. Additionally, it would be best if you select a lender that is able to give you a verified preapproval letter (more on this below).

Mortgage Preapproval

Unlike pre-qualification, which gives you a rough idea of how much money you can borrow, mortgage preapproval is a formal step, when a lender verifies your credit history, income, debt, and assets (so it helps to have your financial documents organized in advance).

This is when you’ll determine what kind of mortgage you want to take out. Will it be a fixed rate or an adjustable rate? How long a term?

A pre-approval letter, typically good for 90 days, states that a lender is tentatively willing to lend you a specific sum for a mortgage. A pre-approval may help your offer stand out since it shows sellers that you’re a serious buyer who has been vetted. That means you’re ready to act when you find your ideal home and agree on a price.

A pre-approval letter is not a guarantee, though. Final loan approval rests with mortgage underwriting.

Happy House Hunting

These tips aren’t meant to be comprehensive, but if you follow some of them, it will make the homebuying experience a little easier. When you’re ready to make your purchase, you’ll know.

Just be sure to consider all your options, including private lenders, and do your own research. Everyone has a different experience. Happy house hunting!

Brian leads advice and planning at SoFi, a personal finance company. In this role, he leads SoFi’s robo-advisor, develops the underlying logic for digital tools, leads the financial planning team, and serves as a spokesperson. Brian has his Ph.D. in Personal Financial Planning from Kansas State University and is a “CERTIFIED FINANCIAL PLANNER™”. His insights have been featured in TODAY, CNBC, Forbes, the New York Times, WSJ, Fortune, and more. He also creates content delivered via webinars and social media platforms as ‘Dr. Money’.

DISCLOSURES

SoFi Checking and Savings accounts are offered by SoFi Bank, N.A., Member FDIC.

The SoFi Credit Card is issued by SoFi Bank, N.A. pursuant to license by Mastercard® International Incorporated.

Loans originated by SoFi Bank, N.A., NMLS #696891 (www.nmlsconsumeraccess.org). Equal Housing Lender.

Brokerage products offered through SoFi Securities LLC, member FINRA/SIPC.

Advisory services are offered through SoFi Wealth LLC, an SEC-registered investment adviser. Information as of November 2023 and is subject to change.

1 Certified Financial Planner Board of Standards Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design), and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

2 SoFi requires Private Mortgage Insurance (PMI) for conforming conventional home loans with a loan-to-value (LTV) ratio greater than 80%. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.