Category: Eclectic Homes

Mortgage Modification Apps with Freddie Mac

Many US homeowners have been fighting to keep their homes in the face of dire economic conditions and potential foreclosure. Luckily, struggling homeowners can take advantage of mortgage loan adjustment programs. These federally supported mortgage adjustment programs are available through many government-sponsored entities (GSEs), such as Freddie Mac. Two types of mortgage loan adjustment are provided by Freddie Mac: its traditional adjustment program and the Home Affordable Modification Program (HAMP).

Standard Mortgage Modification

Only homeowners who have mortgages owned by Freddie Mac are eligible for its modification programs. The mortgage giant’s conventional mortgage adjustment program might make sense if you are already behind in your payments or going to drop behind. Standard mortgage adjustment through Freddie Mac involves a written agreement between you and mortgage servicer which changes one or more terms of your loan. A better option for many homeowners with Freddie Mac-owned mortgages, even though, may be the Home Affordable Modification Program, or HAMP.

HAMP

Available through Dec. 31, 2013, HAMP allows homeowners who have Freddie-owned mortgages to modify their mortgages to lower interest rates. To qualify for HAMP mortgage adjustment you must have taken out your mortgage loan prior to Jan.1, 2009. Also, only mortgages on primary residences qualify to your HAMP program. Furthermore, homeowners must not be eligible for the federal Home Affordable Refinance Program (HARP). HAMP additionally demands that you have a documented financial hardship to qualify for mortgage adjustment.

Other HAMP Requirements

Freddie Mac-approved HAMP loan adjustment is intended for homeowners jammed by endothelial mortgages. To apply for Freddie-specific mortgage adjustment, homeowners must be spending over 31 percent of the pre-tax income in their mortgage payments. Mortgage payment costs can consist of principal, interest, taxes, insurance and homeowner or condo association dues. Homeowners approved by Freddie for HAMP engagement spend some time at a trial period which requires on-time mortgage payments prior to their loans are permanently modified.

Other Alternatives

If you can’t qualify for Freddie Mac’s traditional or HAMP mortgage adjustment programs, other alternatives are available. As an example, homeowners who have Freddie-owned mortgages might be eligible for the Home Affordable Foreclosure Alternatives (HAFA) program. HAFA features brief sales and deeds-in-lieu of foreclosure programs from Freddie Mac which can allow you to escape your mortgage. Though you can’t keep your home when you choose HAFA, you might qualify for $3,000 in transfer money in addition to counseling services.

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The Honor Roll is Made by homeschool Spaces

Each of the homeschool spaces below earns an A-plus for challenging work. Not only are they soothing, beautiful and clutter-free, but they also provide intellectual stimulation — not a simple task for even the very experienced designer or DIY-er. Here’s a look at four houses that do not just aid their owners teach their kids, but help to teach us also.

Julie Ranee Photography

1. Industrial Farmhouse in Ohio

This family’s homeschool is located in a loft above the kitchen. Homeowner and photographer Julie Ranee purchased the hammock on a trip to Ecuador 22 years ago. “I’ve been carting the hammock around for so long and now I’ve finally put it to good use. The kids love using a relaxing and new reading nook,” states Ranee.

Julie Ranee Photography

A farmer’s table and four blue chairs from Target compose the major gathering room for Ranee’s three kids.

Hint: if you’re able to, carve out a dedicated space for homeschooling. The physical and visual separation between the learning region and the remainder of the house helps kids mentally prepare for a day’s work if they enter the school distance.

Julie Ranee Photography

Ranee, an enthusiastic DIY-er, salvaged an old wooden electric spool left from her house’s construction. She uses it as a shelf for textbooks and other reading material.

Julie Ranee Photography

This old barn torso, bought for $10 in an auction, is a homeschooler’s dream. Ranee spray painted the drawers metallic silver and black; every drawer is large enough to store documents and papers.

Julie Ranee Photography

Hint: Sprinkle inspiring and inviting messages throughout your school region to lift the kids’ spirits.

Amy Renea

2. Conventional house in Pennsylvania

Interior designer Darlene Weir is about flexible seating options. Though her boys use a conventional chair and desk set up for writing assignments, they perform virtually all of their reading, researching and memorizing together on a beanbag, preferring to break away from the heirloom table handed down from Weir’s husband’s family.

Says Weir,”My boys love drawing and doing math on the floor. Flexibility is a perk of homeschooling, so why not work on the floor once in a while?”

Hint: If you opt for a conventional chalkboard, try to find one that is antique — the chalk won’t squeak as you write.

Amy Renea

Homeschooling calls for several tiny things: glue sticks, tape, crayons, pipe cleaners and more. Weir finds storage and storage clutter-control comfort in baskets. “Baskets leave things readily accessible, but they conceal the distinct miniature parts from perspective,” she states.

Weir additionally uses the workbox system, where all her kids has his own workbox that has his individual assignments for the day. Each child returns all things to the box when finished. “The machine keeps the daily newspapers manageable,” says Weir.

Hint: Although it’s great to have a designated homeschool area like this, Weir likes to break up the monotony of daily education by changing to a different place in the house occasionally. “Sometimes we’do school’ from the kitchen because it divides the speed; the new setting reinvigorates us,” says Weir.

Natasha Barrault Design

3. ‘Gentle Modern’ Home School in Malibu

Interior designer Natasha Barrault and architect-designer Hervé Daridan made this family house with education in your mind.

“We utilized the present rooms of the house and enabled each space to change to the demands of the school. In essence, the chambers could actually shape-shift [into ] a homeschool in the morning and then return to being a normal living room or dining room for the remainder of the moment,” states Barrault.

This picture shows a part of the living space, used as the language arts room when school is in session.

Hint: Don’t underestimate the ability of slipcovers and furniture protections. Barrault added specially designed and elegantly shielded decor and furnishings so that every piece can survive the wear and tear of school days.

Natasha Barrault Design

Barrault and Daridan custom made fabric-covered boxes with metal frames to fit from the bookcases. Each box is full of letters, numbers, toys and other educational products.

Natasha Barrault Design

“The customer did not need to sacrifice the beauty of every room. I think we proved that practicality and prioritizing kid-related activities in the house aren’t detrimental to good home layout,” states Barrault.

Hint: Homeschools don’t necessarily need to be full of dispensable furniture. Beautiful, elegant interiors can serve these requirements; you just need to find the most flexible, flexible pieces.

Amy’s Affordable Interiors

4. Homeschool Remodel in Florida

Interior designer Amy Steenson’s homeschool works really difficult for her loved ones. The efficient space does triple duty as a school, a home office and a guest room for friends and loved ones.

Hint: Maximize your distance by aligning furniture from the walls, freeing up the center of the space for reading and creative group activities.

Amy’s Affordable Interiors

Steenson enjoys versatile storage options, such as table legs with storage room and wall-hung shelves and cups. “Locate storage boxes that can fit under desks, sofas and tables, and elastic furniture options like end tables that twice as filing cabinets,” she states.

Hint: Source furniture from other Areas of the house. A futon, sleeper or daybed sofa may be a good addition to a homeschool. “This sofa is a place where my kids and I will read together during the school day, but also doubles as a full-size bed we could use for seeing guests,” states Steenson.

ers, do you own a homeschool? Tell us about your style challenges and reveal images from the Remarks section below.

More:
Children’ Study Spaces Make High Marks
Get Your House Back-to-School Ready

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14 Ways to Reduce Your Summertime Laundry Load

The very last thing you probably need to do in the middle of summer is spend a good deal of time cleaning. But with each one of the beach days, pool parties and picnics, the house can easily be overrun with sand and moist towels. Discover how to establish a smart laundry system which will see you through the summer with ease.

First, prepare for summer with a seasonal swap. Have a day to go through every drawer, closet and cabinet, pulling things out which are no longer appropriate. Stow off-season clothing and equipment in an out-of-the-way spot and dig out the beach towels, swimsuits and sarongs. Often after a season in towels, storage and other items end up a little musty; if so, throw everything in the wash before using. If you come across any items with tears or stains, now’s the time to toss them out.

Jackson Cabinetry LLC

Minimize laundry lots. Doing a load here and there works best for most people. When laundry builds up to giant mountain levels, it may feel overwhelming to tackle. Utilizing smaller baskets can be a helpful reminder to take the laundry and start a load. If doing regular loads of laundry doesn’t work for you, a fantastic choice is to invest in a sizable three-bin laundry sorter that can keep things tidy until you’ve got a chance to get to it.

Tim Barber Ltd Architecture

Cease moist, sandy clothes until they enter your house. Putting up a simple peg rail or some row of pins on the exterior of your house makes it effortless to remember to hang moist beach towels to dry.

Munger Interiors

Keep new towels and matches in a designated spot. Inside the doorway, a second set of hooks or hooks can hold fresh, clean towels ready to grab and go.

Lehman’s

Galvanized Washtub – $39.95

Make hand washing chores a snap. Keep a washtub at the ready in the bathroom and toss in bathing suits and other fragile items as needed.

CB2

Slat Rack – $89.95

Insert a space-saving drying alternative. Rather than strewing swimsuits throughout the shower pole or dealing with a bulky drying rack, try leaning a magazine rack or a classic ladder against the wall. It’s just as effective and so much sleeker!

backporchco

Keep towels off the ground. Supply wall hooks for every member of their household, and a seat or shelf to stow extras and a small hamper for dirties. For larger households, labeling each hook using a letter or number is an easy way to keep track of whose towel is.

Tara Seawright Interior Design

Try this easy summer cleaning routine. Obviously every once in a while it is a fantastic idea to do a cleaning, but that wishes to deal with that in the summer heat? By sticking with this routine, your bathroom can stay fresh looking in only a couple of minutes every day.

1. Keep a heap of microfiber cloths in the cabinet or under the sink.
2. Whenever you think about it, give everything a quick swipe with a microfiber cloth dampened with plain water.
3. Start with all the lightest region (mirror, sink) and finish with the grimiest (bath, then toilet). Toss the cloth in a hamper.
4. Summer may mean more mildew buildup, so every once in a while throw the shower curtain and bath mat in the wash, also.

Munger Interiors

Put a laundry basket (nearly) every room. Kitchens, bedrooms and baths every need their own laundry basket. I have found that generally, if you keep the basket onto the small side, this makes it easier to keep along with the laundry.

Wisteria

White-Dipped Barrel Baskets – $59

Go for summery baskets. I adore those white-dipped baskets from Wisteria, however you can certainly attempt to create a DIY version with the addition of paint to present baskets. Cute bins like these may be easily tucked into a corner of the kitchen or bath without screaming “laundry basket”

The Container Store

Commercial Garment Rack – $69

Prevent summer ironing. Pull shirts and other items you usually should iron out of the dryer when it is completed, and hang up them on hangers — a garment rack or an extra closet rod is perfect for this endeavor. By simply smoothing your dressy clothing out somewhat and dangling them while they’re still warm will minimize (or even eliminate) the need to iron.

Tracery Interiors

Create your laundry room a location that brightens your whites — and your mood. Keeping things light and fresh in the laundry room can make this chore feel a bit more fun. Sterile white or bright, bright colors are a excellent option. Should you like to purchase giant containers of detergent, decanting them into glass jars will make them more attractive and much more convenient to use.

Pottery Barn

Linen Pin Board – $99

Insert a multipurpose pinboard. Put a pleasant, large covered bulletin board in your laundry room and find out the number of ways you wind up using it. It’s possible to hang household photographs and inspiration, of course, but also attempt dividing wrapped socks, lost items and a fabric care chart for easy reference.

Tina Kuhlmann

Designate a spot for pocket contents. A basket or bowl set on top of the washer serves as a visual reminder to check those pockets before washing that lip merchandise or money. For additional organizing credit, give each person their very own little basket for small items which would otherwise be easily lost.

Atypical Type A

Outdoor or Indoor Summer Trellis Hooked Rug – AUD 60

End the area using a vibrant rug. Since so many laundry rooms are in basements with unfinished cement flooring, it is logical to bring just a little softness underfoot. There are lots of great indoor-outdoor rugs in the marketplace nowadays that would be perfect in the laundry room. These hard-wearing rugs will be easy to care for, yet will still offer a fun burst of colour.

See more ways to make the most of your laundry room

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Renovation Detail: Arts and Crafts Interior Trim

The practical task of door and window trim is to hide the gap between the rough opening at the wall and the door or door frame. Beyond the practical, trim is an aesthetic choice, letting you express your own personal style or pay homage to your home’s history.

My husband and I purchased our historical Arts and Crafts house over a year before, and our goal is to bring every doorway and return to its origins with Arts and Crafts–design trim. Even though a few of the original rough openings were blessed with well-executed, historical trim, we have had to make a lot of it from scratch. Inspired by the original, present design in our house, our Arts and Crafts trim features square section casing with ornamentation at the top. A cornice, bed molding and applied bead unite to create the conventional trim design.

Trim of almost any design behaves a focal point, highlighting fine craftsmanship and top-notch materials.

We assembled the trim round this doorway in my house from scratch to match the window’s existing Arts and Crafts casing. It works with our five-panel doors.

Alix Bragg Interior Design

A space can never have too much Arts and Crafts–style trim. Here it is installed around loft doors and a dormer window.

RW Anderson Homes

Arts and Crafts–style trim pairs beautifully with additional architectural features. In this Washington state house, wainscoting and crown molding are easily added into the mix.

TRG Home Concepts

I spy with my little eye crafts and crafts–style trim. Notice the close-up perspective of this bead and cornice at the top.

Dresser Homes

Featuring Prairie-style muntins and Arts and Crafts–style trim, these four master bath casement windows are architectural showstoppers.

Smith & Vansant Architects PC

This New Hampshire doorway comes with a simple Arts and Crafts–style trim installed round the mudroom’s pocket door.

Frederick + Frederick Architects

Natural trim finishes look best when the trim parts are matched for color and grain grip, as exhibited in this South Carolina dining nook.

Aquidneck Properties

Having a cornice, bed molding, head decoration and bead above this transom window, it turns into the dining room’s focal point.

Home & Harmony

Even with a matryoshka doll set featured from the window, one still sees the striking Arts and Crafts–style trim.

In my house we honor the Arts and Crafts aesthetic. What is your taste? Let us know in the Remarks section.

More:
So Your Style is: Arts and Crafts

Leah and Kris’ 1922 Arts and Crafts Renovation

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10 Home Fixes That Require a Pro

We are all for enabling homeowners to choose on their own improvements. You save money, gain confidence and receive the gratification of custom tailoring your home with your own two hands. But when it comes to certain jobs — plumbing, for instance — we draw the line. Even though these 10 jobs might be inside the range of a very knowledgeable owner, for most of us, they require help from somebody who handles them for a living.

Marcus Gleysteen Architects

1. Foundation repair. If your foundation is in trouble, so is the rest of your house. Wall cracks, sagging ceilings or floors, lopsided doorways and other red flags add up to one alternative: a call into your foundation contractor. It’s well worth investing in professional help to make certain your house remains on sure footing.

186 Lighting Design Group – Gregg Mackell

2. Electrical wiring. We haven’t yet met a builder who believes that wiring is a DIY job. That doesn’t mean that you can’t replace an old fashioned fan or set up a new garage door opener — we are talking about serious, behind-the-walls electrical work. Not only does one need thorough knowledge of their very updated building codes, but the worst-case scenarios are really, actually bad (house fire, injury, death). Hire a licensed electrician for your own safety and peace of mind.

Erin Hoopes

3. Elimination of a load-bearing wall. Knocking a wall out sounds simple, right? Well, if it is load bearing, meaning it conveys and distributes weight, things get a lot more complicated. Eliminating this type of wall wipes out support for those ceilings, floors and other structural elements that break on it and that can have disastrous consequences for your whole home. Additionally, the wall could comprise wiring or ductwork which you don’t need to disturb. Leave this catchy and time-consuming task into your remodeling contractor.

Poor House Interior Design

4. Major plumbing. Two words: water damage. You are likely to set up a new faucet, a showerhead or possibly a bathroom, but when it comes to the larger stuff, expert is the way to go. Pipe connections and other trouble spots could spring leaks which could cost you dearly in the long term. Here’s a good rule of thumb: When it involves work behind the walls, don’t attempt to manage it all on your own.

5. Natural gas lines. Remember the worst-case scenarios with electric work? Same with gas. It may sound simple to conduct a gas line directly to a grill or fire pit, however it is not. Call the gas company and thank us later.

Lizette Marie Interior Design

6. Tile and tub resurfacing. Although this can be an inexpensive alternative to ripping out and replacing dated tile or an old tub, don’t hesitate to save even more by trying it yourself. From the compounds used to strip off the old end to the delicate technique of applying a new one, it is a specialized job which calls for specialized help.

TruexCullins Architecture + Interior Design

7. Roofing. Besides the fact that roofing goofs can wreak havoc if they flow, balancing on a steep incline of shingles using a toolbox is harmful, particularly if you’re not properly trained. Employ a roofing expert to make confident that the task gets done correctly and that you won’t confront a treacherous fall.

Windsor Companies

8. Tree removal. Smaller trees (say, 10 or 15 feet high) are OK to decrease your own, but whatever larger should have you rate dialing the tree service. To begin with, amateurs and chainsaws rarely mix well. Then there’s the artwork of gauging where the tree will collapse — miss the mark, and it could strike a power line or crush a wing of your residence. And seeking to balance up high while you saw limbs off is an ER trip waiting to happen.

Dreamy Whites

9. Stripping old paint. Don’t take a chance with this one. Paint which goes from the late 1970s or earlier could include direct, and breathing in the dust since you scrape it off may lead to health issues. Protect yourself and your loved ones by turning the task over to a certified lead-abatement contractor.

Smith & Vansant Architects PC

10. Wood-burning chimney or stove installation. Fire security is the biggest concern, however this is a very complex job which requires an comprehension of special factors beyond the fireplace itself, such as insulating material. Attempt it yourself, and you are literally playing with fire. And you know what they say about that!

More:
Home Construction: 8 Ways to Stick to Your Budget

News: Remodeling Heats Up

Spruce Up the House With 50 Clever DIY Ideas

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Rugs to Covet: Madeline Weinrib

Approximately four years ago I walked into a small design shop in San Francisco and has been positively bowled over with a pink carpet with silver medallions. It seemed to encompass everything I loved about design, such as a few paradoxes. It was concurrently geometric and natural, lively and elegant, inspired by ancient design and yet completely modern.

Thus began my love affair with the textiles and rugs of Madeline Wienrib. The granddaughter of ABC Carpet & Home creator Max Weinrib, Madeline is famous for layouts inspired by the patterns of India, Morocco and Asia. Until she does a line for Target (a girl can dream) she will stay very, very high on my covet list.

Eclectic Rugs – $875

The chenille Mandala carpet with metallic silver accents. The carpet that started it all.

Yvonne McFadden LLC

The cotton Mandala carpet in Steel. Perhaps it doesn’t take your breath away, but it is definitely marriage material.

Vanessa De Vargas

The cotton Brooke carpet in Chestnut. A modern classic.

Madeline Weinrib

Hot Pink Brooke

The Hot Pink Brooke. Similar, but way hotter.

Niche Interiors

The Brooke carpet in Tibetan wool. Kind of makes you want to get naked and roll around.

Beckwith Interiors

The Otto carpet in Grape. Inside this room it is the focal point, but it also lends itself to layering and lots of rich design.

Zoe Feldman Design, Inc..

A runner in wool. This design can no longer be accessible, but it is gorgeous to look at.

Madeline Weinrib

Pink Suzi Tibetan Wool Rug

The Pink Suzi. Oh. My. God. I wish you can feel it. It’s like walking on the rear of a very small lamb fed just strawberries and cream.

Madeline Weinrib

Pink Sommers Suzani Bags

Did I mention that she makes evening bags? You know, in case you want one to match your amazing Tibetan wool runner.

Madeline Weinrib

Madeline Weinrib Empire Coat

Or maybe an ikat empire-waist coat to decide on your pillows, rugs and bedding?

Madeline Weinrib

Multi-Plum Ikat Pillow from Madeline Weinrib Atelier

One of many ikat cushions.

Madeline Weinrib

Blue Collins Ikat Bedspread

Custom-made bedding. Also available in other colours.

More:
Guest Picks: Exotic Textiles for the Home

Textile Traditions: Applying Suzanis on Your Décor

11 Area Rug Rules and How to Break Them

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Guest Groups: A Man Cave a Woman Could Love

We’re in the middle of March Madness around here, which means basketball 24/7. This has me thinking how fine it would be if I could create my husband his own individual cave. Both of these words make most women cringe, but I feel the ideal mix of pieces can be found to design a manly area that even we girls could feel joyful about. Here are 20 “masculine” products I would love to utilize to design a man cave within our house.
— Emily from Emily A. Clarke

Home Decorators Collection

Gordon Tufted Sofa, Blue Leather – $999

A timeless Chesterfield couch in blue for under $1,000? At this cost, it may be fun to organize your room with some of these beauties.

Etsy

Mustache Quote Printing Typography Poster A3 From handz – $19

Every man cave should have a bit of humor. The mustache craze continues with this adorable poster.

Lumens

Series 11 Six-Drawer Console by Blu Dot – $1,999

Considering that the TV is normally the focus of any man cave, shouldn’t it have a beautiful console on which to sit (or hang above)? This one is the best union of modern and rustic — and provides ample storage for DVDs, games and whatever else you want to hide out.

Geometric – $249.95

A huge bit of colorful artwork is a fantastic addition to any man cave. It gives you a wonderful color palette to work from and will blend well with more personal momentos, sports posters, etc..

Restoration Hardware

Grand Leather Bean Bag Chair – $845

Yes, bean bag chairs are for grown-ups too! Great for lounging and additional chairs, this one comes at a beautiful worn leather.

Arch Floor Lamp – $399.95

I really like the sleek, modern look of the floor lamp. And, its metallic finish gives it a wonderful industrial feel.

Jayson Home

Natural Cowhide – $795

What says “manly” just like a cowhide rug? It can also add a good deal of texture into a room and looks great layered over a natural area rug.

Vanguard Furniture

Tate Recliner

Isn’t it a requirement that every man cave possess a recliner (or two)? That being the case, this sleek variation would make a lovely — and comfy along with your space.

Ballard Designs

Upholstered Cube – $147

These little cubes are so flexible, and look great in a bold pattern. I would use two or even four to serve as an impromptu cocktail table or as additional seating for the big game.

DwellStudio

Axel Round Dining Table – $2,160

I would add a round table for game night, cards, etc.. This one just happens to have a midcentury design with gold legs.

DwellStudio

Sven Leather Dining Chair – $1,500

A set of those chairs would be great around a round game table. They are sleek and masculine at the same moment.

Shades of Light

De Vine Wood Ball Chandelier – $479

This light is made of woven twisted vines and is certain to be a fantastic conversation piece. It might add a ton of feel and is certainly not a girly chandelier!

Z Gallerie

Everglades Square Wood Tray 24″ x 24″ – $57.95

This big square menu could be perfect to use for drinks or snacks, particularly sitting on a cocktail ottoman.

Shop Ten 25

Tangerine Ziggy Pillows – $150

Even a man cave deserves a little color. I would add some of those abstract chevron pillows in tangerine.

Restoration Hardware

Fishing Weights – $79

I really like the vintage appeal of those fishing weights. They are perfect as door stops, paper weights or for accessorizing tabletops and bookshelves.

Home Decorators Collection

Cottage Accent Table – $99

End tables are essential for drinks (and remotes). This one is small enough to be tucked into a tight place. Additionally, it is in a fun color and costs less than $100!

Lamps Plus

Cinni Textured Bronze Desk Fan – $319.91

Guys love their fans, and this one has a great deal of vintage charm. It’s a great way to accessorize a console table and keep cool all at one time.

Jayson Home

Sepia Throw, Feather – $250

A striped throw is a good (rather than overly-feminine) method to add pattern to any couch or chair. And, it is going to keep you warm — if he ever invites you to watch TV in his man cave.

Z Gallerie

Faux Deer Antlers – $39.95

These faux deer antlers in silver are perfect for accessorizing your guy’s space. I would use them on a TV console to get a fantastic sculptural element.

Cost Plus World Market

Campaign Desk – $229.99

This casual desk could double as a sofa table and work space. I enjoy the industrial sense that it might add to a masculine space.

Next: 8 Ways to Design Up the Man Cave

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