How to pay for FHA down payment and closing costs

The FHA down payment is just 3.5% for most borrowers. As down payments go it’s certainly a lot less than the 20% up front some mortgage programs require. But is there a way to make the FHA down payment even easier?

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2vkfuVK

Hispanic homeownership is up — especially in these areas

Homeownership among Hispanic Americans is on the rise. According to a new report, Hispanic homeownership rose to 47.1 percent in 2018 — its highest point since 2010. It also marks the biggest annual gain in homeownership for the cohort in 13 years.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2GzIeiv

3 Questions to Ask Before Buying a Whirlpool Tub

Content originally published and Shared from http://perfectbath.com

Are you buying your first whirlpool bathtub? Let us help you narrow down the choices. Start by asking yourself the following questions:

Will it fit in the bathroom?
Make sure to measure your bathroom before you even look at a whirlpool, including any space you might gain taking down dividing walls or showers. “Most whirlpools come in three standard sizes,” says Morey. “Five feet, five and a half and six. But you can’t just consider the tub size — they’re all designed to be dropped into a deck, and that will take up more space, with the bare minimum adding at least a half-inch to your measurements on all sides.

“If you think you’d like to hold a lot of stuff like candles and oils near the water, you’ll also need extra space on the deck,” says Morey. “If you’re over six feet tall, you may want to forfeit deck space for more tub room.” Source: HGTV

Is your current heating system enough?
If you choose to heat your whirlpool with your existing in-home heating system, make sure it can handle the amount of water needed to fill the whirlpool. With an external system, the water in the tub will get cool quickly due to the circulating jets, so you will need to frequently refill the tub with hot water. A 50 gallon quick recovery system should be sufficient.

The other option is a self-heating system. A self-heating whirlpool comes with its own internal heating system that circulates the tub water and reheats when necessary. This is a good energy-saving option and the best way to keep your water temperature consistent. Source: DoItYourself

Which type of jet should you pick?
Choose between water jets or air jets. Water-jet whirlpool tubs force water through jets, giving more pressure and a forceful massage. In air-jet whirlpool tubs, air is forced through tiny holes for a lighter massage. A combination whirlpool tub uses both, but will be more expensive and may use more energy.

• One drawback of water-jet and combination tubs is that you can’t use bath salts or oils, as these will damage the pumping mechanism.
• Another water-jet and combination tub drawback is that some water stays in the jets, and mold can develop if they’re not regularly cleaned out. Source: WikiHow

We can help you figure out which brand or type of whirlpool tub will work best for your needs. Find out more when you call us today!

 

Contact:
Perfect Bath
Phone: Toll Free 1-866-843-1641
Calgary, Alberta
Email: info@perfectbath.com

The post 3 Questions to Ask Before Buying a Whirlpool Tub appeared first on Perfect Bath Canada.

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May 2019 mortgage rates forecast (FHA, VA, USDA, Conventional)

Mortgage rates are dropping to new lows. May could provide some of the lowest rates seen since early 2018 or even late 2017. This is the chance mortgage rate shoppers have been waiting for.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2lpIMjN

Mortgage rates today, April 23, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2ZlmYp8

What’s better? The FHA or USDA mortgage program?

FHA or USDA mortgages, which should you choose? It’s not an easy question and there’s no single answer which is right for everyone. But it’s a question many borrowers should ask. The right answer can mean big mortgage savings.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2ICUbHq

Indiana claim’s the nation’s best cities for families

Looking for a place to put down roots for your growing (or future) family? Apparently, Indiana is the place to do it. According to a new ranking, the state claims the nation’s two best cities for families.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2IR8GXu

Mortgage rates today, April 22, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2XA1LpY

How do FHA loans work? A 2019 primer on the popular FHA program

How do FHA loans work? Everyone has heard about such mortgages but why does a government financing program introduced in the 1930s work so well today, especially for first-time borrowers?

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2VXBRfe

Homebuying power on the rise thanks to low rate and high incomes

American homebuying power has reached its second-highest point in the last 20 years. According to a new analysis, the average buyer can now afford a home priced as high as $391,037.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2vftr7h

Negotiating a better mortgage rate for your home

Mortgage laws have changed which makes it harder to pit lenders against one another. When you're looking for a better mortgage rate, how do you find it?

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2rKyJHq

4 Cash-Out Refinance Options That Put Your Home Equity To Work

Home values are rising, and homeowners are no longer sitting on their equity. Four cash-out options are helping owners accomplish financial goals.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2tjV7Wv

Complete guide to buying a house in your 20s [INFOGRAPHIC]

Millennials have become the single-biggest group of homebuyers in the country. Is this move right for you? Let's break it down.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2VelyO1

Mortgage rates today, April 19, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2IIXCfe

4 Important Tips When Using Essential Oils in Your Bath

Content originally published and Shared from http://perfectbath.com

More and more people are falling in love with aromatherapy. It doesn’t just smell good, it also provides health benefits depending on which oil you choose to use. But be careful about putting it in your bath without proper research beforehand, or you might risk burning your skin. Take note of the following tips:

Avoid direct contact with essential oils
“When it comes to putting essential oils in the bath, remember — oil and water don’t mix, which is to say the essential oils are not water soluble,” warns Teachey. Translation: When you climb into the tub, the small drops of oil can adhere to your skin (and tender nether regions!) just as if you’d applied the undiluted oil directly your skin, which can irritate and burn. Ouch!

Use carrier oils
You don’t want essential oils just to sit on top of the water; you want them dispersed throughout. The best way to do that is combine essential oils in a carrier oil first, like coconut, olive, sunflower, or jojoba. “For a single bath, three to 12 drops of essential oil in a tablespoon (15 ml) of carrier oil is sufficient to create a very aromatic, therapeutic bath,” says Teachey, who suggests stirring the bath before climbing in to help circulate oils. Source: GoodHousekeeping

Choose skin-friendly essential oils
As much as we love essential oils, there are some that don’t belong in the tub. Avoid essential oils that can irritate the skin or mucus membranes. On this list: basil, lemongrass, oregano, thyme, nutmeg, peppermint, cinnamon, clove, black pepper, and bay. Source: HelloGlow

Don’t stay for too long
Soaking for just the right amount of time in your luxurious bath will ensure that you get the most benefits from your aromatherapy session.

• You’ll want to soak in your aromatherapy bath for about 15-20 minutes to get the most benefits. Staying in longer can dry out or damage your skin.
• Consider using bath props, such as a pillow or rose petals, to help you relax further.
• A warm washcloth over your eyes will also help you enjoy your bath. Just make sure to warm it in water under the faucet so that you don’t get any essential oil in your eyes. Source: WikiHow

If you’re looking for bathroom fixtures that are trendy and sophisticated, we have those in store for you. Call us!

 

Contact:

Perfect Bath
Phone: Toll Free 1-866-843-1641
Calgary, Alberta
Email: info@perfectbath.com

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Refinancing your ARM when it’s about to reset

Is your ARM about to adjust? You may want to refinance out of it. With LIBOR rates rising, ARMs are adjusting to their highest point in more than 6 years.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2x0CYxA

Mortgage rates today, April 18, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2IGUhNA

Home flipping is up; here’s where returns are highest

Home flipping is once again a major force in the housing market. According to new data, it accounted for more than 10 percent of all home sales last quarter — nearing all-time high levels.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2PgQBDy

Different Ways to Clean a Porcelain Bathtub

Content originally published and Shared from http://perfectbath.com

Chilling in the bath is one of life’s greatest pleasures. But, if your tub is dirty, you might feel stressed instead of relaxed. To ensure its cleanliness, here are some things you can do:

Regular Cleaning Routine
For gentle weekly cleaning, look for store-bought cleansers that are marked “safe for porcelain enamel”, or make your own by mixing a few tablespoons of dishwashing soap with about a gallon of hot water. Use a rag or soft sponge to scrub the porcelain, and then rinse well with water. Source: Home.HowStuffWorks

Removal of Rust
If you have a rust stain (or any other marks or filth that the above techniques can’t touch) you can try this method as a last resort:

1. Cover the stain with table salt
2. Take half of a lemon and squeeze the juice over the salt
3. Scrub the salt/lemon mixture with a clean cloth or a nylon sponge
4. If the stain still doesn’t come up, leave the paste-mixture on the stain for an hour or so, then squeeze more lemon juice on the stain and try scrubbing the stain again
5. Rinse and wipe clean Source: ApartmentTherapy

Keeping the Tub Shiny
Squeeze lemon oil onto a soft cloth and rub the sides of your bathtub. The lemon oil also forms a protective coating that helps stop water spots, soap scum and minor stains. Avoid rubbing the oil on the bottom of the tub because it can be quite slippery. Source: Hunker

Quick Clean
Need to do a quick tub cleanup before guests arrive? Grab the handiest item — your shampoo! It does a great job on soap scum because it rinses clean. You can use it to buff a shine into your chrome faucets as well. Source: RD

If you’re looking for the best-looking bathtubs, we have lots in store for you. Unlike others, we also offer maintenance and repairs. Contact us for more info.

 

Contact:
Perfect Bath
Phone: Toll Free 1-866-843-1641
Calgary, Alberta
Email: info@perfectbath.com

The post Different Ways to Clean a Porcelain Bathtub appeared first on Perfect Bath Canada.

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Mortgage rates today, April 17, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2Dix9S9

Want to sell your home and buy another? Sellers may be more willing to work with you

New data show that sellers may be more willing to work with buyers who have a home to sell. That’s good news for buyers, meaning it's easier now to sell your home and buy another.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2Gd3cDq

Generation Z is serious about homeownership — and already saving up for it

It looks like Generation Z is coming at homeownership faster than Millennials have taken to it. Though many Millennials aren’t buying homes until their 30s, according to a new survey, more than half of Gen Zers plan to buy a home in the next five years — when they’re only 24 to 28.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2UZF68V

Does Mini Golf Help Your Putting?

If you’re a confident golfer, you might be tempted to challenge your friends to a round of putt putt golf. Golfers are great at putt putt, right? You might even begin to wonder – can... Read more

The post Does Mini Golf Help Your Putting? appeared first on American Golf Blog.

from American Golf Blog http://bit.ly/2UlUGHe

Can I buy a home with a VA mortgage after foreclosure?

Instructions for military borrowers on how to buy a home after a foreclosure event. Zero-downpayment options available via the VA Loan Guaranty Program.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2UC1cia

Should I refinance or just pay down the principal?

"Should I refinance?" That's a good question, and the answer depends on what you want to accomplish, and if refinancing will help you meet your goal.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2vw1OGe

Mortgage rates today, April 16, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2Gox5SA

A drop in home prices? Here’s where it’s most likely

If you’re holding out hope that home prices will start to decline, you might be in luck. According to new data, the chance of dropping prices is up — especially in the high-cost markets on the West Coast.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2GoQbbg

3 Design Tips for Your Master Bathroom

Content originally published and Shared from http://perfectbath.com

To create the master bath of your dreams, include the following pieces of advice on your design process:

Choose a relaxing color palette
Color has the power to energize and to soothe, to wake you up and calm you down. Consider the mood you want to evoke before selecting your palette of materials. As you develop your bathroom color scheme, remember that color comes from more than wall paint and fabric. The hues in the cabinetry wood and in the stone or tile you choose for floors and walls play a major role in creating an overall color personality. Even the sink and tub contribute to the bathroom color scheme, whether they’re made of white porcelain, dyed concrete, or stone. Source: BHG

Have a universal layout
Another trend in master bathrooms is the use of universal design. This approach, designed to accommodate people of all ages and abilities, includes wider doorways, showers with no raised lip around the bottom, larger shower doors and more room around fixtures. Once thought of as industrial-looking, universal elements such as grab bars now blend seamlessly into even the most luxurious master bathrooms. Source: HGTV

Create lots of storage
Since most people have many hygiene products, a bathroom remodel is the perfect time to increase your storage space to ensure better bathroom organization. Add bathroom cabinets, drawers, shelves or even carts to store all of these necessary items.

Cabinets that have molding and glass fronts increase the appeal of the bathroom by giving it more character. If you can’t replace your cabinets, consider adding decorative knobs and pulls to update the look. Source: HomeAdvisor

With the luxury bathroom you have in mind, you should only use bathroom fixtures of highest standards. Take a look at what we have in store for you, and call us if you need any assistance!

 

Contact:
Perfect Bath
Phone: Toll Free 1-866-843-1641
Calgary, Alberta
Email: info@perfectbath.com

The post 3 Design Tips for Your Master Bathroom appeared first on Perfect Bath Canada.

from Perfect Bath Canada http://bit.ly/2UTO0Vt

First-time home buyers guide: What is an FHA mortgage?

First-time home buyers have access to a myriad of low- and zero-down payment mortgage loans. Of all the available loan programs, though, the FHA loan is the most inclusive and accessible for today's buyers.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2UAf7FD

2018 taxes for homeowners: How 2018 tax law changes affect you

The latest tax law changes may catch homeowners off guard when filing their 2018 returns. Here is what you need to know about 2018 taxes for homeowners.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2GfQx2G

Mortgage rates today, April 15, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2DcE2US

Living near a marijuana dispensary could mean higher home values, study shows

Want a home that improves in value? Then you might want to buy near a legal marijuana dispensary. According to new data, dispensaries can boost home values by $22,000 or more.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2UEiGuk

Mortgage rates: Almost everything you want to know

Know more about mortgage rates, and you'll get a better rate. Understand how rates are made and how to best shop for FHA, VA, USDA, & conventional loans.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2r31jo0

Buy a house in your 20s with these flexible mortgages

The emerging generation is as much interested in home buying as any generation before. Fueling the enthusiasm is a new menu of affordable mortgage programs.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2pQYncy

Should you get a mortgage from a credit union?

Your credit union might offer a good deal on a mortgage when you buy or refinance. Or not. Here's what you need to know about credit union mortgages, and how to get the lowest rate no matter who provides your financing.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2UcNM7s

Mortgage rates today, April 12, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2UeOYXE

3 Bathroom Updates You Can Do Over the Weekend

Content originally published and Shared from http://perfectbath.com

Renovation can be such a hassle. It takes so much of your time, money, and energy. If you want to update the look of your bathroom without spending a lot, then these tips are just right for you:

Change light fixture
To make sure this remains an easy DIY project, stick with the same type of light fixture as your existing one—and plan to keep it in the same place on the wall or ceiling. Lighting trends fluctuate a good amount, so it’s likely your current fixture is dating your bathroom more than anything else. Replacing an old light fixture will not only immediately update the style of the bathroom, but it will also give you the opportunity to adjust the amount of light the room receives, whether the current fixture is too bright or too dim. Source: SouthernLiving

Replace old shower head
When it comes to comfort, adding a new shower head is an important update that will look good and help you feel even better. Not only are shower heads more affordable than ever, but they will make your morning routine a welcome part of your day. After all, what beats a refreshing shower that you can customize to fit any need? Installing a new shower head is an easy process that can be accomplished with a good wrench and some plumber’s tape. While you are at it, consider updating the shower curtain and adding non-slip shower mats to complete the new look. Source: DoItYourself

Add style
Accessorize the space with a new bathroom mirror or medicine cabinet. Smaller bathroom decor, like a soap pump, tissue box cover, and beautiful textiles, are easy and affordable ways to adorn your restroom.

To create a spa-like retreat, decorate with soothing shades of blue and white, and accessorize with organic elements like woven baskets, lush plantings, river pebbles, and a teak bathmat. Source: Zillow

We can help you find the perfect fixtures for your bathroom remodel. Contact us so we can give you helpful insights!

 

Contact:
Perfect Bath
Phone: Toll Free 1-866-843-1641
Calgary, Alberta
Email: info@perfectbath.com

The post 3 Bathroom Updates You Can Do Over the Weekend appeared first on Perfect Bath Canada.

from Perfect Bath Canada http://bit.ly/2KsPBgM

VA Streamline Refinance 2019: About the VA IRRRL mortgage program & VA mortgage rates

Full details about the VA mortgage loan program including comprehensive Q&A, the VA Streamline Refinance (IRRRL), and today's VA mortgage rates which are near their lowest of all-time.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2oLQ5iP

What is a mortgage refinance, in plain English

How to refinance a mortgage, plus explanations of "special" programs such as HARP, FHA Streamline Refinance, VA IRRRL. Get today's rates which are below four percent for many U.S. borrowers.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2racIzc

Mortgage rates today, April 11, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2Gh3gDG

Want low property taxes? Then head to these lower-cost cities

Properties taxes increased by 4 percent nationwide last year, but the upward trend wasn’t unilateral. In fact, according to new data, some cities saw property tax rates as low as 0.35 percent last year.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2Z8mRNR

Elements of an Easy to Clean Bathroom

Content originally published and Shared from http://perfectbath.com

Do you know anyone who loves to clean the bathroom? No one likes it. We all just do it out of necessity. If you are looking for a way to lighten the burden of this chore, then switch to the following:

One piece toilet
If you’ve ever transformed into a contortionist while reaching to clean every last yucky crevice in your toilet, the one-piece model was made for you. Because traditional two-piece toilets have a separate bowl and tank, they have lots of tiny crevices that are hard to really get clean.

You may spend a bit more for a one-piece model, which is molded from a single piece of porcelain, but the amount of scrubbing time you save may make it worthwhile. Plus, you don’t have to get up close and personal with the nasty parts.

Today’s pressure-assisted toilets not only reduce cleaning time, but virtually eliminate backups, thanks to a forceful jet of water that scrubs the entire bowl and removes everything in its path. On this one, you’ll actually save water. Because of their eco-smart designs, these high-efficiency toilets can save a family of four up to 16,500 gallons of water annually. Source: HouseLogic

Wall-mounted faucets
Gravity is working for you, carrying water and soap residue away from the faucet instead of having it all collect at the base. Wall-mounted faucets also keep the counter clear, making it easier to wipe it down. Source: Houzz

Proper ventilation
A quiet fan or open windows will reduce the moisture in a bathroom, therefore decreasing the likelihood of mold. Preventive measures such as proper ventilation can reduce time spent cleaning in the long run. Source: DailyHerald

Less grout
Tile grout attracts dirt and grime, which has to be meticulously cleaned out by hand. Instead of small porcelain or stone pieces, choose large-format tiles or solid slabs for countertops, wet rooms, and wall coverings. If you hate cleaning seams, paint any walls that don’t need tile, or consider using an attractive vinyl or laminate covering. Source: NearSay

We have classy bathroom fixtures that are easy to clean. Contact us if would like to know more!

 

Contact:
Perfect Bath
Phone: Toll Free 1-866-843-1641
Calgary, Alberta
Email: info@perfectbath.com

The post Elements of an Easy to Clean Bathroom appeared first on Perfect Bath Canada.

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Conventional refinance rates and guidelines for 2019

A conventional refinance can lower your rate, pay off any loan, remove mortgage insurance, and more. Conventional refinance guidelines and rates for this year.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2qZZ4ib

Mortgage rates today, April 10, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2IbBuut

Rents jump in most of the country’s biggest cities

It’s getting harder and harder to be a renter, it seems. According to new data, rents are now up in 92 percent of the country’s largest cities.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2D6UHJD

4 Bathroom Spring Cleaning Tips

Content originally published and Shared from http://perfectbath.com

The start of spring, as we all know, signals the time to tidy up. Create a spotless bathroom for you and your family by following these instructions:

Snip the curtain
Short shower curtains look tidy and tailored, and they don’t trap dust and moisture. To create the look in your bathroom, cut a fabric curtain 2 inches longer than the desired length, then fold and sew a 2-inch hem. Leave the plastic liner hanging full-length in the tub to contain water from the shower. Source: MarthaStewart

Make the mirror shine
Just mix one to two teaspoons of dish detergent in a large bucket of warm water and wash down the mirror. Then, use a squeegee to wipe off the suds horizontally. You can either use a sponge or newspaper to dry the area: just be careful because smudging can occur due to the ink. Source: HuffPost

Freshen up the fabrics
Grab all your clothing, towels, washcloths and other linens from the bathroom and throw them in the washer. While you’re at it, think about the items you just gathered. Were any of your fabrics worn out? You don’t want your bathroom looking messy and dingy. Keep what’s acceptable or take the opportunity to completely renovate your fabrics.

Don’t be afraid to incorporate bold colors and unique patterns in your washcloths and towels. Changing your window treatments and/or shower curtains are also great ways for giving your bathroom a total makeover. Make sure you wash whatever you’re keeping and find a neat place to store extra materials.  Source: AngiesList

Scrub the grout
Take a look at the grout in your bathroom and decide for yourself on the right plan of action. If your grout is mildly stained and grimy, a simple scrub clean will do — start with vinegar, then move on to a baking soda paste if you need a little more muscle. The time consuming part of this is just systematically working your way across each inch of grout in every direction — that’s what might take all day. Source: ApartmentTherapy

If your old bathroom fixtures are too dirty to clean up, or if they’re not working properly anymore, then it’s time to switch it up with new ones. Browse our website to see high-quality, beautiful and affordable options.

 

Contact:
Perfect Bath
Phone: Toll Free 1-866-843-1641
Calgary, Alberta
Email: info@perfectbath.com

The post 4 Bathroom Spring Cleaning Tips appeared first on Perfect Bath Canada.

from Perfect Bath Canada http://bit.ly/2GcFGI2

Mortgage with a Chapter 13 bankruptcy

You can qualify for a mortgage with a chapter 13 bankruptcy in your recent past. Even if you're still in bankruptcy in some cases. Here's how.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2x5o4XN

Texas cash-out refinance: new laws you need to know

Cash-out refinance Texas rules for homeowners in Texas. Texas cash-out refinancing is different from other states and you'd better know the rules before taking one.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2Kl9BSp

Mortgage rates today, April 9, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2GbtKGD

Serial eviction trends hint at a new housing crisis

A new study from Georgia State University examined serial eviction filings and revealed patterns in landlord behavior reminiscent of the subprime mortgage crisis a decade ago, suggesting that the mounting eviction crisis may be the newest American housing crisis.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2D3UOp2

Where home prices have slowed the most — and one state where prices actually dropped

With the median home price hitting $300,000 for the first time ever last week, choosing your location wisely has never been so important when buying a house. Fortunately, according to new data, there are still a few U.S. locales where home prices are affordable — or even dropping.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2VtYiIU

Mortgage rates today, April 8, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2U5hKds

You can now buy a house completely online with this new platform

Agents and homebuyers looking to speed up the overall homebuying process are in luck. Thanks to a newly launched platform, making an offer on a house — and even negotiating counteroffers — is as simple as the click of a button.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2D3o3IW

USDA loans: What is the process?

The USDA loan process is not very different than for any other loan type. The typical process and timeline when getting a USDA loan.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2sMFJnd

USDA loans: Guide to down payment and closing costs

The USDA mortgage does not require a down payment, but closing costs can add up. USDA closing costs plus ways to pay for them.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2soAewo

Mortgage closing: Why does my lender want so much escrow money?

At a mortgage closing, you typically pay mortgage costs and escrow

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3 Types of Bathtub Materials

Mortgage rates today, April 5, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

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Shower Tips for People with Sensitive Skin

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When you have dry, sensitive skin, you have to be careful whenever you’re taking a shower or else you might make your condition worse. Remember the following tips before you have your next shower:

Avoid hot showers, especially when it’s too long
A lot of people, particularly women, like to take their time in the shower, and this is understandable. We all want to stretch out those few moments where we are able to relax on our own in peace and quiet. However, the problem with long showers or baths is that they will strip your skin of its natural oils, making it very dry.

To avoid this you should try to keep your showers to about 10 minutes and avoid using water that is very hot or cold – think like Goldilocks and you’ll be fine. After you are done, dry yourself off by lightly patting your skin down with a soft towel. Source: LifeHack

Choose the right products
Watch out for harsh soaps or body washes that have fragrance, dyes, or are deodorizing. Avoid alcohol-based and antibacterial options. All these are more likely to irritate your skin and leave it itchy, tight, and dry. Instead, go for gentle cleansers or shower gels with added oils or fats. “Look for soaps and cleansers that say ‘moisturizing,’ ‘hypoallergenic,’ or ‘made for sensitive skin,’ ” Obagi says. Source: WebMD

Don’t rub water off too harshly
When it comes to toweling off sensitive skin, gentle motions are key. “Patting dry is recommended over air drying or rubbing,” Goh says. Too rough, and you’re at risk of irritating skin. But don’t ditch the towel altogether or water will leave your skin too quickly. “Air-drying skin allows the body to lose the water moisture to the environment,” Obagi says. Blot your skin carefully, and keep ointment or cream on hand to seal in moisture. Source: WebMD

Did you know that a steam shower is good for your sensitive skin? Get one for your home to experience its amazing health benefits. Call us today to find out which model is best suited for you!

 

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Freddie Mac HomeOne program: 3% down with NO income restrictions

The Freddie Mac HomeOne program removes income and geographic restrictions from its 3% down loan. Buyers can qualify for a low down payment even without low-income status.

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Mortgage rates today, April 4, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

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Home improvement expenses: What common ones cost — and how much homebuyers should budget for

Down payments, closing costs and homeowner’s insurance — these are all costs homebuyers need to prep for when purchasing a house. But what about other things like maintenance and home improvement? New data reveals just how much homeowners are spending on these costs — and how much new buyers should budget for.

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3 Spring Cleaning Tips for Your Sauna

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Enjoy your sauna for much longer when you start properly maintaining it. Don’t forget to give the following areas some much needed attention:

Floor
The warm, moist environment of many saunas can foster the growth of bacteria on the floor and other surfaces of the sauna. These bacteria include tinea pedis, more commonly known as athlete’s foot, states the Mayo Clinic. Public saunas can also spread the bacteria Staphylococcus aureus, which can cause serious skin staph infections, including the deadly methicillin-resistant Staphylococcus aureus–MRSA–according to the Centers for Disease Control and Prevention.

To prevent these infections from spreading, regularly sweep and mop the sauna floor using a household floor cleaner or a water and bleach solution. Let the floor dry and the sauna air out before continuing use. Source: OurEverydayLife

Benches
Don’t use harsh or abrasive chemicals on benches, as these can bleach and warp the wood, ruining the grain and turning it grey. Specialist sauna cleaners are commercially available too. These are designed to be gentle on the wood, and will also give your sauna a pleasing fragrance. Source: Build

Heater
Depending on what type of heater you possess in your sauna there are different ways of cleaning it.

If you heat with a wood burner, than you will have to remove the ash build up constantly.

If you have an electric heater, all you need to do is use a nonabrasive cleaner and sponge to wipe off any fingerprints, dust, grime, and debris that may be present.

If you have suana stones that produces your sauna heat, than you will want to make sure you are soaking your rocks in a mild detergent and water solution about once a month, and also replacing any cracked stones as soon as you notice that they are cracked. Source: DoItYourself

Infrared saunas are more convenient and efficient to use compared to traditional saunas. If you don’t have one yet, don’t miss out! Call us today and get yours.

 

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The rise of the modern farmhouse

A decade ago, “modern farmhouse” might have described a newly built house on a farm. Today, these simple, cozy homes appeal to nostalgia for simpler, lower-tech lifestyles.

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How to save for a house: The complete guide

Don't think you'll ever have the cash to buy a house? Use this guide to learn how to save for a house—and sooner than you think.

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Mortgage rates today, April 3, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

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Real estate investors: Here are the best places to buy a rental home

Profit margins are up for single-family property investors. In fact, according to new data, some counties have seen rental profits jump as much as 29 percent in just the last year.

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The Best Time of Day to Golf

To be perfectly honest, there isn’t a best time of day to golf. There are pros and cons to each hour from dawn to twilight. Here are the things to consider when booking your tee... Read more

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5 million homeowners suddenly “in the money” to refinance

A few months ago, it didn't make sense for many homeowners to refinance. But almost overnight, nearly 5 million of them can cut their monthly payments. What's going on?

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Mortgage rates today, April 2, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

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Buying a house? Know these common home inspection issues — and what they cost to fix

Home inspections can provide key insights when buying a house. And according to new data, it could also save serious cash, too. In fact, the average inspection reveals more than $11,000 in potential repairs.

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Is a primary home an investment or just a predictable place to live?

There are plenty of experts who will tell you that owning your own home doesn't meet the threshold to be regarded as a true form of investment. And they muster some strong arguments. But are they right?

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FHA Streamline Refinance guidelines & rates

Are you FHA Streamline Refinance eligible? Use this easy-to-follow format. Updated for newest changes to FHA MIP. Today's FHA rate quotes available.

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Mortgage rates today, April 1, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

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Home sellers: This is the best day to sell your house (and maximize profits)

The strong seller’s market of 2018 might be gone, but that doesn’t mean there aren’t ways for home sellers to maximize their potential profits. According to new data, listing a home on the right day of the week can mean $3,000 or more in added earnings — not to mention a faster sale on the whole.

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Vaping indoors might devalue a home

Whether you’re eager to sell or buy a home, it’s important to know that vaping inside that home can lower its value.

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Mortgage rates today, March 29, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

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Getting a mortgage on a second home / vacation property

Home prices are rising. Buying a second home purchase might pay off, and give you a sure vacation spot. How to qualify for a second home mortgage.

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The state of smart home technology: What do buyers and owners want?

Want to get more for your house? Install smart home technology. According to a new study, 65 percent of homebuyers are willing to pay more for properties equipped with smart technology.

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10 biggest benefits to VA home loans in 2019

VA loans offer benefits unmatched by conventional and FHA financing, plus the program provides extra low mortgage rates to eligible military borrowers.

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Mortgage rates today, March 28, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

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Home prices dropping: 10 markets where you can save on a home purchase

New data show that prices are falling in several markets. Smart shoppers who can afford to buy should take advantage of all these factors and claim a home sooner versus later.

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April 2019 mortgage rates forecast (FHA, VA, USDA, Conventional)

Mortgage rates are dropping to new lows. April could provide some of the lowest rates seen since early 2018 or even late 2017. This is the chance mortgage rate shoppers have been waiting for.

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3 Tips to Remember When Painting the Bathroom

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One way to completely change the look of your bathroom without actually spending very much is to repaint it. If you’re going to DIY this project, then make sure you keep in mind the following tips:

Photo by Sebastien LE DEROUT on Unsplash

Ensure appropriate ventilation
Make sure your bathroom has proper ventilation. If not, the high levels of humidity can damage your paint. An open window and a ceiling fan or exhaust fan can help clear a room full of steam, removing moisture and drying walls. Try to run your fan for an hour after every shower or bath. Source: Forbes

Pick the right paint
Bathroom windows take a beating: Blinds go up; windows open and close. Candles, blow dryers and other hot items often lie on top of the ledge. So use a durable semigloss or gloss trim paint that can handle the abuse. If the window will take direct rain and wind, chances are that it’ll get wet sooner rather than later, so you may want to use an exterior paint. Source: Houzz

Choose a color that works well with your space
Dark, weighty colors in small spaces often make the user feel claustrophobic. Should you surrender to that classic bathroom color, white? Not necessarily. Light, airy, bright bathroom paint colors such as light-blue or light-yellow always work well. Since darker paint colors make spaces feel small, any type of lighter color will be an improvement.

However, this is not an iron-clad edict. To make darker colors work in bathrooms, include other elements that leaven the ponderous feeling that dark colors bring on. Shiny, reflective chrome or brass sink fixtures or cabinet pulls add bright stars of light to dark spaces. Also, make sure that your bathroom lighting is adequate both for the space and for the color palette. Source: TheSpruce

While you’re on a mission to create a new look for your bathroom, check out the classy fixtures we have on our website.

 

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Mortgage rates today, March 27, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

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Low-income homebuyers have the best shot in this Southern city

New data shows that Tampa, Florida, offers low-income homebuyers the best shot at buying a house. The Southern city claims the nation’s smallest gap in homeownership between low-income families and the general population.

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Complete guide to buying a house in your 20s

Millennials have become the single-biggest group of homebuyers in the country. Is this move right for you? Let's break it down.

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How to Get Your Kids Into Golf

You might have been bitten by the golf bug – but it’s not always a family trait. It’s impossible to make your child love a sport. Instead, if you dream of playing golf with your... Read more

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Planning an Outdoor Shower

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For people who love hiking, going to the beach, and other outdoor activities, having a shower before entering the house means less mess to clean. You get to avoid bringing sand, sludge, and dirt inside. Have an outdoor shower ready by summer when you start doing the project today! Here are some pointers to consider:

Photo by Abigail Lynn on Unsplash

Determine where to place it
“Outdoor showers are a nice feature for pool owners or beachfront homes,” says Jarret Acevedo, a master plumber and owner of Jarret Acevedo Plumbing and Heating. However, depending on how low your temperatures drop in the winter, you’ll need to take precautions with your shower. “Care is definitely needed to plumb it properly to protect from freezing if it’s an area with frigid temperatures,” Acevedo warns.

Placing your shower strategically kills two birds with one stone. “Depending on your layout, you can punch through the shower wall and build a shower that opens up to another rain shower outside,” says Jonathan Self. Source: Freshome

Have a good drainage system
Where water goes is just as important as where water comes from. Most homeowners drain their outdoor showers into a separate manhole, a storm ditch or a gutter system linking to the home’s graywater tank. Locating your shower in a place that receives a lot of sunlight is another way to eliminate water buildup.

“Be sure to check your local building codes about the disposal of gray water,” says Gloven.

Chris Marchese, CEO of Marquis Gardens, suggests using Permeable Pavers or artificial turf for drainage and flooring because they blend into the environment. He also notes that it’s critical to only use biodegradable soap and shampoo when your drainage line is being naturally discharged.

If you’re concerned with slipping or mildew, composite boards make great flooring for outdoor showers. “They dry quickly and feel fantastic underfoot,” says Thomas O’Rourke, owner of Decking Hero. “Plus, they last between 25-30 years, so it’s a good value for your money, about $70 per square foot.” Source: FoxNews

Add a privacy wall
Outdoor showers typically offer less privacy than their indoor counterparts, but that doesn’t always have to be the case. A well-placed wall creates a quaint little nook in which to shower while enjoying the sunshine. The secluded area allows for peaceful bathing in the buff—no matter how nosy the neighbors. Source: BHG

Your outdoor shower wouldn’t be complete without great looking bathroom fixtures to match. Check out our website for tons of options!

 

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Mortgage rates today, March 26, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

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Are 3% mortgage rates in our future? For some, they are already here

Three percent mortgage rates are a real possibility in 2019, and in fact, already here for some borrowers, according to The Mortgage Reports daily survey. See if you qualify for a rate in the 3s.

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Report: Where Americans are moving — and how far they’re going

Americans are moving less than ever. And when they do pack up and leave? According to new data, most are staying in the area, with 55 percent moving less than 50 miles away.

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Mortgage rates today, March 25, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

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Fannie Mae High Loan-To-Value Refinance Option (HLRO) guildelines, rates, and eligibility for 2019

The new Fannie Mae High LTV Refinance Option allows homeowners to refinance into today's low rates even if they little or no home equity. No appraisal is required, and borrower documentation has been reduced.

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Strong homebuying season is on the horizon, expert says

Decreasing mortgage rates, rising wages and a finally improving supply of inventory all spell good news for the housing market. In fact, according to one expert, “a stronger than expected” spring homebuying season is ahead.

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Home bidding wars down, buyer opportunities up

Home bidding wars happen when two or more buyers compete for the same property but research indicates that home bidding wars happen much less often nowadays. This is good news for would-be buyers.

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Warrantable & non-warrantable condo mortgage rules updated

Demand for condos is increasing nationwide and getting approved for a mortgage just got a little easier. How to qualify, plus access to today's rates.

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Comparing home loans: Which one is best for me?

There is no "right" answer to the question, "Which loan type is best?" It depends. No two home buyers are alike. That's why there are many good options for nearly every type of buyer today. Discover which one suits you best.

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Cash to close: What is it, how to pay it and how to avoid fraud

Cash to close: Plan on bringing a cashier's check or certified check. or arrange to wire the funds from your bank. You'll need your down payment and closing costs, less earnest money and lender and/or seller credits.

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How to use a cash-out refinance to buy another home

Can or should you use a cash-out refinance to buy another home? Maybe, if that's the most cost-effective source of a down payment or even the whole purchase price.

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Mortgage rates today, March 22, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

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3 Ways to Stop Hair from Clogging the Bathroom Drain

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Do you often experience the struggle when you shower and then there’s a mini flood going on, because the drain gets clogged with your hair? It’s so annoying and disgusting. Stop it from happening again by doing the following tips:

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Prevent hair fall
Some hair is going to fall out in the shower while you are washing and conditioning, but there are some things you can do to keep hair out of your drains to start with. Brush your hair thoroughly before entering the shower. When loose hair collects on your fingers while shampooing and conditioning, set it on a shelf or the edge of the tub instead of dropping it into the water. If you prevent as much hair from entering the tub drain as possible, use a strainer to keep the rest out and then regularly use a cleaning or clog-preventing product on your drains, you should not have a clogging problem. Source: Hunker

Install a drain screen
This is a piece of metal mesh that can be purchased at a local hardware store and that will fit directly over your current drain opening. It will trap any extra soap scum, hair, or other debris, keeping it from going down the drain. Read the installation directions closely, as you may need to secure the screen on top of the drain with plumber’s putty.

Make sure to remove the screen and clean it on a periodic basis to keep the water from backing up into your shower. Source: WikiHow

Drench it with vinegar
Always keep a bottle of vinegar in the bathroom. Along with its many uses around the house, vinegar is a cheap way to keep your drains clear. Simply pour half a bottle of white vinegar down the drain every 3 months and it should do the trick. The secret is to let it sit for 10 minutes (the acid will remove any clogs that are forming) and then flush with hot water. Source: Home.BT

If you need fixtures to match your luxury bathroom, then check out our website for high-quality pieces. We also have the latest home sauna models that are perfect for you! Call us to find out more.

 

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Mortgage rates today, March 21, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

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Brexit pushes mortgage rates to 13-month lows. What mortgage shoppers should do now

Brexit drama is pushing down US mortgage rates. Should mortgage shoppers act now or wait for rates to drop even lower?

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Bye bye, big down payment: Most homebuyers put less than 10% down

No money for a down payment? That might not be a problem. According to a new analysis, the majority of recent Millennial and Generation X homebuyers pay either no down payment or down payments of less than 10 percent when purchasing their home.

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Different Uses for Vinegar in the Bathroom

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Cleaning the bathroom shouldn’t be expensive and difficult. You can easily do it with one of the cheapest household items you can find: vinegar! Here are some ideas you should try the next time you see filth building up.

Photo by Daniel Fazio on Unsplash

Toilet Stains
Deposits under the rim of your toilet bowl can be really hard to clean! To help dissolve the deposits and make them easier to scrub away, grab a few paper towels and your trusty bottle of white vinegar.

Soak a wad of paper towels with vinegar, then tuck the towels up under the rim of your toilet bowl. Let the vinegar work its magic for a few hours, then remove the paper towels and scrub clean. Source: OneGoodThingByJillee

Dirty Shower Head
Too much gunk blocking your shower head? Just remove the shower head and soak for a few hours in straight vinegar. After soaking, give it a quick scrub!

Tip: If gunk doesn’t remove easily, wrap a watertight plastic bag full of vinegar around the shower head, secure with an elastic band and leave to soak. Source: StayAtHomeMum

Blurred Mirror
Just like windows, mirrors can be cleaned with a 50/50 vinegar and water mix in a spray bottle and wiped with old rags from cut-up t-shirts or newspaper (paper towels leave a lot of residue with this method).

The easiest way, if you have them, is to use microfiber cloths (1 regular one wet, and one polishing one dry, or just one regular wet one and one regular dry) to clean without the need for chemicals at all. Source: WellnessMama

Shower Curtain Mildew
Put the shower curtain in the washing machine with light-colored towels; add 1 cup white vinegar to the detergent and wash. Source: DIYNetwork

Grimy Floor
Clean the floor around the drain with a vinegar solution: 1 cup of vinegar for every 3 liters of water. A handy time to do this is when you’re mopping the floors! Keep in mind that the use of vinegar on floors should be limited to no-wax floors. Source: Cleanipedia

If your bathroom fixtures are still dirty despite all the effort and cleaning items you’ve used, then maybe it’s high time for a replacement. Check out our website for the most affordable yet best-looking items in the market.

 

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March 2019 Fed meeting: Mortgage rates fall as Fed scraps plans for future rate hikes

Mortgage rates plummet after a surprise move by the Fed: a forecast of no more rate hikes in 2019.

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Mortgage rates today, March 20, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

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Why townhouses are popular with first-time home buyers

A new townhouse can be an amazing value for first-time home buyers who want the privacy of a single-family home, but—as a first-time home buyer—can’t afford the price.

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Mortgage lenders: Your digital tools may make or break you

Digital mortgage solutions are a major priority for today’s homebuyers. In fact, according to a new survey, half of all homebuyers choose their mortgage lender based on whether they offered a digital portal or not.

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Mortgage rates today, March 19, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

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Modern homes: The style Millennials love

Easily customized and designed to reduce energy and maintenance costs, modern homes are a popular choice for Millennial home buyers.

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New home construction lags — but not in these four cities

Thinking of buying a new house in 2019? Chicago’s your best bet. According to new data, the city saw the biggest surge in new home construction last month, with a 60 percent uptick year over year.

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Mortgage rates today, March 18, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

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Can I switch mortgage lenders after locking my loan?

Is it okay to switch mortgage lenders once you have been pre-approved or locked in your interest rate?

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Remodeling on the rise: Here’s how many homeowners plan to renovate their house

A whopping nine out of 10 homeowners plans to remodel their house, according to a new survey. And more than a third of those homeowners? They plan to do so in the next two years.

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Which is better? A mortgage broker or a bank?

You do you better mortgage rates from a mortgage broker or a bank? What's the difference? Find out which one is better for your situation, and how to shop for the best home loan.

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Freddie Mac’s Home Possible Versus Fannie Mae’s HomeReady: Which Is Better?

Home Possible Advantage, offered by Freddie Mac, and HomeReady, offered by Fannie Mae, are similar programs for homebuyers without large down payments. Here's an explanation of the program differences, and how they might matter to you.

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4 Ways to Detox Your Body

Content originally published and Shared from http://perfectbath.com

In a previous blog we discussed the many reasons why it’s important to do a regular detox. Today, we’ll talk about the different lifestyle changes you can make to achieve a healthier you.

Photo by Brooke Lark on Unsplash

Lounge in the sauna
Our immune systems are up against an arsenal of toxins that our ancestors never dreamt of: pesticides, toxic metals, PCBs in plastics, environmental pollution, and even GMOs (genetically modified organisms). Combining this with a lifelong poor diet is a set-up for accumulated toxins and a potentially weakened immune system.

Luckily, infrared sauna treatments can give your body an extra push to eliminate these toxins. Specifically, this is achieved through sweating, which has been shown in several studies to increase detoxification and lower circulating levels of toxins in the body. Source: PaleoHacks

Get a good night’s sleep
“Giving yourself a good night’s rest is one of the best ways to detox your body and reset,” Asay says. “Sleep has been connected to weight loss, reduced cortisol levels and stress, and improved overall health.” The best part about sleep is that it takes absolutely no effort—just make sure the temperature of your room is cool, and give yourself a 10-hour block to snooze. Source: TheThirty.Birdie

Avoid using unhealthy oils
Toxic oils can include vegetable oil, peanut oil, sunflower oil, cotton seed oil and canola oil. Substitute with good oils, such as extra-virgin olive oil, coconut oil, avocado oil, hemp oil and flaxseed oil. Hemp oil, for example, is a great source of omega-3s, -6s, and -9s. Source: MindBodyGreen

Eat organic
While you’re munching on yummy greens and gut-friendly pre- and probiotics, make the switch to organic/pastured meats and dairy instead of using conventional animal products. According to Consumer Reports, 80% of all antibiotics sold in the United States are used for livestock and other farm animals. If you are serious about your detoxing goals, you don’t want that in your body! Source: TheTruthAboutCancer

Do you have an infrared sauna at home yet? These are the types of saunas that work best for detoxifying the body. It’s a great fit for any house. We can help you find the model that will suit your needs best. Visit our website here!

 

Contact:
Perfect Bath
Phone: Toll Free 1-866-843-1641
Calgary, Alberta
Email: info@perfectbath.com

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Mortgage rates today, March 15, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

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Why Craftsman homes are making a comeback

Craftsman homes are gaining popularity with today's new home buyers. Their attractive design and eco-friendly layouts make these some of the most sought-after homes today.

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3 Important Reasons Why You Should Do a Detox

Content originally published and Shared from http://perfectbath.com

Due to several factors like food choices, quality of sleep, and environmental pollution, our body has to cope with an overload of toxins, every single day. To reverse the damaging effect our habits have caused, it’s best to do some sort of detox so we can achieve the following results:

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Avert chronic illnesses
Environmental toxins are responsible for many cancers, neurological diseases, heart disease, strokes… you name it. Our bodies do have a built-in detox function to deal with these dangers, but those systems are constantly overloaded! Detoxing assists and improves what our bodies are trying to do naturally. Source: MindBodyGreen

Lose unwanted fat
The scientific establishment has convinced us that losing weight is just a matter of calories in/calories out, energy balance, and eating less and exercising more. How’s that working out for you? Probably not so well! Problem is, the scientific establishment is different from the established science. The science says that sugar and flour calories are WAY different. First, they trigger addiction and overeating. Second, they spike insulin and inflammation, which makes you store belly fat and blocks your ability to feel full. The verdict is in: Sugar calories are worse than whole food calories. Sugar spikes insulin and triggers inflammation, a double whammy guaranteed to mess up any attempt at long-term weight loss. When you detoxify, you eliminate nasty toxins (including sugar!) that hold your weight hostage. Source: DrHyman

Healthier immune system
Since detoxing takes some of the workload off your organs, they can then do a better job of protecting your body from illness. You’ll absorb much-needed nutrients faster, like Vitamin C, which is known to be great for the immune system.

If you’re on a detox that involves taking certain herbs, you might also experience a boost to the lymphatic system. This system is partially responsible for keeping you healthy and toxin-free, so you’ll want it working well. Source: Classifieds.USAToday

Aside from the famous detox diets, one great way you can get rid of toxins while relaxing is to spend a few minutes in the sauna. Purchase a far infrared sauna for your home from us today!

 

Contact:
Perfect Bath
Phone: Toll Free 1-866-843-1641
Calgary, Alberta
Email: info@perfectbath.com

The post 3 Important Reasons Why You Should Do a Detox appeared first on Perfect Bath Canada.

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Mortgage rates today, March 14, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

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Report: Homeowners gained nearly $10K in home equity last year

Home price growth might be slowing, but homeowners are still gaining serious equity in their properties, According to new data, the average homeowner saw their equity jump by $9,700 last year.

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Am I accidentally committing mortgage fraud?

You're not a criminal. You just want to buy a home with a mortgage. But you could accidentally commit mortgage fraud unless you avoid these mistakes.

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3 Healthy Bathroom Habits You Should Do

Content originally published and Shared from http://perfectbath.com

You probably didn’t know that a lot of your bathroom habits can affect your overall wellness. Maintain a healthy body by adapting the following tips to your daily routine:

Photo by Phebe Tan on Unsplash

Put the lid down when flushing
Unfortunately our bathrooms were designed for the convenience of plumbers, not the health of the users, so many of us have the sink where we brush our teeth in the same room as the toilet. Because when you flush:

There have been found over 3.2 million microbes per square inch in the average toilet bowl. According to germ expert Chuck Gerba, PhD, a professor of environmental microbiology at University of Arizona the aerosolized toilet water is propelled as far as 6 feet, settling on your dental toothbrush inclusively.

Really, if you have the opportunity, always put the toilet in its own water closet and not in the same place as you wash and brush your teeth. But if you can’t, at least always close the lid before you flush. And don’t cover your toothbrush; it has to air out and dry. Source: TreeHugger

Squat
“One bathroom habit that might be beneficial is to put a stool under your toilet,” Jeanette Kimszal, RDN, NLC tells Bustle. When your legs are rested on the stool, your knees are bent at a 90 degree angle or squatting position. According to Kimszal, this will help relax the pelvic muscles and your bowels to flow freely. “When you are squatting it is released and you feel no strain,” she says. “Better bowel movements can improve digestive health.”

According to Gut/Hormone Health Expert, Dr. Inna Lukyanovsky, PharmD, anyone can benefit from squatting while they poop. “I used to have a major case of Crohn’s disease myself and it helps you empty out and feel better afterwards,” she says. Digestive issues usually stem from inflammation. If it’s a “silent inflammation,” Dr. Lukyanovsky says your body will age faster, your defense mechanisms won’t be the same, and it will be much easier for you to get infections. Source: Bustle

Turn on the fan
A bathroom fan can do more than eliminate odor.  Another way to remove mildew and avoid allergy irritation is by ventilating properly.  Let your fan run at least 10 minutes after showering, definitely longer if you still see moisture on your walls.  Source: FoxNews

If you’re aiming to live a healthier life by changing your personal habits, why not take it up a notch and strive for green living as well? Get eco-friendly bathroom fixtures today. Call us!

 

Contact:
Perfect Bath
Phone: Toll Free 1-866-843-1641
Calgary, Alberta
Email: info@perfectbath.com

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Mortgage rates today, March 13, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

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Freddie Mac Enhanced Relief Refinance (FMERR) 2019 guidelines, rates, and benefits

What is FMERR? The Freddie Mac Enhanced Relief Refinance – or FMERR – is for borrowers who want to refinance but have very little or no equity in their homes. […]

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Buying vs. renting: Where buying a home is the clear-cut winner

The Sunshine State has more than just great weather and sandy beaches. According to a new analysis, it also has four cities where mortgage payments clock in significantly lower than local rents.

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Should You Have Your Wedding at a Golf Course?

If you’re getting married, you’ve probably already had the wedding venue talk: Indoor or Outdoor? Intimate Gathering or Huge Party? Timeless or Modern? All-Inclusive or Bring Your Own Vendors? Fortunately, golf courses and country clubs... Read more

The post Should You Have Your Wedding at a Golf Course? appeared first on American Golf Blog.

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Mortgage rates today, March 12, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

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2018 taxes for homeowners: How 2018 tax law changes affect you

The latest tax law changes may catch homeowners off guard when filing their 2018 returns. Here is what you need to know about 2018 taxes for homeowners.

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Survey reveals what sellers, buyers really think of real estate agents in the face of tech

Are buyers willing to use AI instead of a real estate agent? How do sellers really feel about those commission fees? Which generation is most likely to forgo an agent altogether? A new survey has some interesting insights in how real estate agents are seen, used and (in some cases) replaced in today’s tech-savvy market.

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FHA loans: The mortgage first-time home buyers love [Infographic]

Along with low mortgage rates and other great traits, FHA loans are assumable. You could sell your home 5 years from now and offer the buyer today's low rates.

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Mortgage rates today, March 11, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

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Is it okay to apply with more than one mortgage lender at the same time?

If you're worried about getting approved for a home loan, or getting the lowest possible rate, you might apply with more than one mortgage lender. But that strategy could backfire, and here's why.

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Homeownership is on the rise thanks to young buyers

More and more Americans are becoming homeowners — and younger generations are leading the charge. According to new data, owner households grew by more than 1 million last quarter, marking the eighth quarter in a row to see such growth.

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