HOUSING UPDATE
Everyone’s vision for the future is personal and unique. But for many, common goals include success, freedom, and prosperity values closely tied to having your own home and the iconic feeling of achieving the American Dream
A recent survey by Bankrate reveals exactly that: homeownership is still a part of the American Dream. The results show, at 78%, that owning a home tops the list, surpassing other significant milestones such as retirement, having a successful career, and more (see below):
SOURCE:BANKRATE
So, why is buying a home important to so many today? One reason is the financial and physical security it provides. Many people see homeownership as a way to reduce stress because owning a home with a fixed-rate mortgage stabilizes what is likely their largest monthly expense.
“...homeownership
is more than just having a place to live -- it’s also a key way to build wealth.”
Another factor is the potential for building wealth. That’s because, over time, homeowners gain equity as they pay down their mortgage and as home prices appreciate, leading to longer-term financial stability.
But what about the responsibilities that come with owning and maintaining a home? According to a survey by Entrata, only 23% of renters feel homeownership is too much work, indicating the majority are open to the commitments and obligations that come with being a homeowner.
Whatdoesthismeanforyou?
While buying a home today might seem daunting due to higher mortgage rates and rising home prices, the longterm benefits can make it worthwhile. If you’re considering homeownership, remember that it’s more than just a financial investment it’s a step toward securing your future
Owning a home is a significant and powerful decision that represents a big part of the American Dream If you’re ready to take this step, start by reaching out to your local real estate agent who can guide you through the process and help you make your homeownership goals a reality.
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MakeYourDreams ComeTrue
We’re here to help you find the home of your dreams. Ready to start a new life in a new place?
We’re here to help you purchase the home of your dreams. We know that buying a home is one of the most important decisions you will make. Few things give you more pride than owning your own home, and you will probably make no greater single investment in your lifetime We want to help you make that dream come true. There are many different types of loan programs you can choose from, and the best loan program for your neighbor may be different than the one that is right for you. From getting preapproved to finding the perfect home, understanding the home-buying process can help give you peace of mind. So can partnering with a mortgage lender you can trust. Put our expertise to work for you. Whether you ’ re building or buying your home, FBC is here to help you along the way!
What people are saying:
A great home-buying experience! Our experience couldn’t have been any better We never felt like a number or just another client to them They were patient with any If our questions, and put any concerns we had at ease with the mortgage process.
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How to Add Color
and Personality to any White Kitchen
When you live with an all-white or neutral kitchen, adding color can feel overwhelming The wrong color can look stark or out of place, while too much color can seem accidental or sloppy Luckily, there are still plenty of things you can do to inject some color and freshen up your cooking space.
Start Small
If you’re dipping your toe into color, Steven Graffam of StivaleGraffam Home says it’s best to start small by swapping in some accessories, linens, and cookware Best of all, these can be functional pieces that don’t take up space “There are many companies that make colorful cookware, but our absolute favorite is always Le Creuset,” he says “They make pieces that are hard-working and equally beautiful, coming in all colors, shapes, and sizes ”
Make Use of Windows and Walls
Nancy Parrish of Nancy Parrish Interiors says another great way of adding color to a kitchen is the same as any other room in the house with curtains, artwork, and lighting “Choose bold patterns with coordinating solid colors that complement the white backdrop,” she says “With these cheerful touches, your all-white kitchen will burst with personality and charm in no time!
Try Earth Tones
While you can go bright and bold if you prefer, John Stivale, also of Stivale-Graffam Home, says he prefers a high-contrast earth tone think navy or dark green “These colors will always work with white, and provide a great contrast if there are exposed stainless steel appliances,” he says
Yes, Unexpected Red Theory Works
Thanks to the rise of TikTok’s "unexpected red" theory, there's one answer that's especially on-trend. Parrish says red appliances can bring vibrancy and visual interest. “You can go for a bold choice, like a bright red refrigerator, or a more subtle option, like a red toaster or burner knobs,” she says. However, be careful when going this bold Parris points out it’s also important to pay attention to existing elements, like cabinetry and countertops.
Avoid "Muddy" Colors
While white is, of course, a blank slate, Graffam warns there are still some colors you might want to avoid “White has an element of cleanliness, so we would recommend avoiding muddy brown tones, as that can sometimes feel a bit dated and stale,” he says
Express Your Unique Style
No matter what color you choose, Parrish points out that authenticity is key. “It's vital to express your unique style and preferences,” she says. With this in mind, only opt for colors that resonate with you and are reflective of you and your family’s personality.
OUTDOOR FURNITURE MISTAKES TO AVOID THIS SUMMER
With summer in full swing, it's time to get your outdoor space ready for the season. But before you dive headfirst into revamping your patio or backyard, make sure you're not committing any furniture faux pas. From awkward arrangements to the wrong outdoor finishes, we've got the lowdown on the outdoor furniture mistakes to avoid to ensure your outdoor oasis is the envy of the neighborhood POOR QUALITY
FURNITURE
“Be intentional with your furniture selection,” says interior designer Lindye Galloway. “When buying furniture, people often choose pieces that look great but are made from materials that end up wearing and tearing over time from the weather and heavy use ” Instead, she recommends investing in high-quality furniture pieces that will stand the test of time Not only will it look better, but you’re doing the environment a favor, too.
CHOOSING THE WRONG FABRIC
Have you ever missed the small print on the label that said to 'keep out of direct sunlight' or “water resistant,' meaning not waterproof? According to David Harris, design director at Andrew Martin, “One of the biggest mistakes you could make when decorating your outdoor space is choosing the wrong fabric for your furniture and accessories.” Not all fabrics are made for outdoor use, and many people find out the hard way. “Luckily, the days of slippery nylon cushions and covers are long gone. Now there is a whole host of luxurious and well-designed fabrics that can be used,” Harris says “Outdoor weaves and eco-digital prints perform incredibly well against light and fading, and they can withstand a shower or two as well."
A FURNITURE-FIRST APPROACH
Many people make the mistake of buying outdoor furniture first, and then trying to make the space work around it and fit their needs Instead, Galloway suggests designing the space around the experiences you want to have there “Whether you want your backyard to be where you host guests or enjoy relaxing, once you envision how you want to use the space, it will become much easier to select the right furniture," she says. In other words, design your backyard with purpose and intention rather than on a whim.
PRIORITIZING AESTHETICS OVER FUNCTIONALITY
Another common outdoor furniture faux pas is overlooking functionality in favor of aesthetics “While it's tempting to prioritize looks, ensuring your outdoor furniture is functional is crucial for creating a comfortable and practical space,” Harris says. He recommends opting for practical outdoor furniture that is lightweight yet sturdy, easy to clean, move around, and properly store when not in use
NOT ENOUGH SHADE
Don’t be blinded by the sun. While we all like to make the most of good weather, creating cool hangouts in the shade is just as important “Many outdoor spaces have plenty of spots to lounge in the sun, but none for the shade,” Galloway says. “I recommend incorporating overhead umbrellas or positioning the furniture around foliage to keep cool and create spots for effortless relaxation ” Shaded areas are a must for al fresco dining (one of the best parts of summer!), and an awning or patio cover will give you and your guests a welcome cool respite from the blazing sun.
NO FOCAL POINT
nterior designers love to create a focal point in a room. Having a focal point can add visual interest and provide a central element to base our design choices on, resulting in a beautiful, cohesive space The same theory rings true for your backyard. “Even in the outdoors, many people forget how important it is to ground your space," Galloway says. "My favorite way to do so is by incorporating a rug." Beyond grounding the space, a colorful statement rug brings an inviting, homely feel and creates a central point filled with personality and style.
BENJAMIN MOORE
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