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.

from Perfect Bath Canada http://bit.ly/2W6LBE4

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

The post 4 Important Tips When Using Essential Oils in Your Bath appeared first on Perfect Bath Canada.

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

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.

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

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.

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

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

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2w2IJdN

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.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2WKus2U

Shower Tips for People with Sensitive Skin

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

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!

 

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

The post Shower Tips for People with Sensitive Skin appeared first on Perfect Bath Canada.

from Perfect Bath Canada http://bit.ly/2D9yJWv

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.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2J5z2G0

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.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2YOH4Id

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.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2TWJ79x

3 Spring Cleaning Tips for Your Sauna

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

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.

 

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

The post 3 Spring Cleaning Tips for Your Sauna appeared first on Perfect Bath Canada.

from Perfect Bath Canada https://ift.tt/2VhgyVO

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.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2TQCJk8

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.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2HVAnik

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.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2K2D2IU

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.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2uHLG4S

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

The post The Best Time of Day to Golf appeared first on American Golf Blog.

from American Golf Blog https://ift.tt/2WGwTDE

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?

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2WHkaRi

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.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2HVtltJ

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.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2HT91cy

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?

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2WF0tcQ

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.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2oECXjH

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.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2I5zAKM

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.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2YCNt9b