RE/MAX 440
John F. O'Hara

John F. O'Hara
731 W Skippack Pike  Blue Bell  PA 19422
Phone:  610-277-4060
Office:  215-643-3200
Cell:  267-481-1786
Fax:  267-354-6973

My Blog

HUD Grants to Assist 1.5 Million Households

April 16, 2015 1:27 am

The U.S. Department of Housing and Urban Development (HUD) is helping individuals and families get smarter about homeownership with $36 million in counseling grants to hundreds of national, regional and local organizations to assist with housing needs. The counseling grants are expected to help over 1.5 million households locate housing or prevent future foreclosures and make more informed housing decisions.

The grants will help homebuyers:
  • Reevaluate their readiness for a home purchase
  • Understand their financing and down payment options
  • Locate affordable rental housing
  • Become financially literate, especially if struggling to repair credit issues
  • Seek reverse mortgages or HECM, especially if elderly
  • Review loan documentation
  • Avoid potential mortgage scams, unreasonably high interest rates, inflated appraisals or unaffordable repayment terms
  • Prevent foreclosure through expense reduction, negotiation with lenders and loan servicers and loss mitigation
Recent research from the Federal Reserve Bank of Philadelphia and the Urban Institute continues to find substantial benefits to housing counseling for families who purchase their first homes and those struggling to prevent foreclosure.

To locate a HUD-approved housing counseling agency, visit HUD.gov.

Source: HUD

Published with permission from RISMedia.


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Ceiling Trends That Raise Rooms to New Heights

April 16, 2015 1:27 am

(BPT) - Want to infuse your home with architectural interest? Start at the top, says Brian Patrick Flynn, owner of FlynnsideOut Productions and whose interiors are regularly featured on HGTV.com.

"The ceiling is the most overlooked design element in a space, hands down," says Flynn. "Just like people, rooms need different layers to be one-of-a kind. That includes a ceiling that makes people look up and scan the entire space."

The largest solid surface in a room - besides the floor - is the ceiling. Instead of leaving it bright white or builder beige, convert this blank canvas into a decorative canopy of color and texture with these hot ceiling trends.

Layer on the Luster – Stamped metal ceilings have added shine and sophistication to American homes since they were introduced in the 1880s. Besides beauty, metal ceilings offer practicality. They resist mold and mildew, offer sag resistance and last longer than plaster or drywall. Regardless of the finish, the texture of the tiles creates a tactile top layer to the space.

Mix and Match Styles – Some interior designers are combining different decorating elements at the top, such as inlaying the recesses of coffered ceilings with gold or copper tiles. Flynn says he's also a fan of tongue-and-groove ceilings accented with beams. "This adds a ton of visual interest to the room, and can make it feel much larger.”

Create Character with Wood – From rustic timber to sleek teak, wood hues help set the tone in a room. Besides imparting a sense of warmth, the grains and knots in wood panels add a textural layer that contrasts nicely with smooth surfaces like painted walls and granite countertops.

Add Architectural Depth – Coffered ceilings first appeared in Roman architecture, and their geometric elegance has graced grand buildings ever since. Today, the cost and complexity of building coffered ceilings have been reduced by lightweight materials and easy-to-install prefabricated systems.

Published with permission from RISMedia.


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