Tag Archives : home buying

“Behind the Curtin” provides an inside look at local homeowners’ beautifully-crafted houses, giving insight into what it takes to renovate, upgrade, and style the most coveted parts of their dream homes. In this video series, industry expert and business owner Joanne Curtin explores local homes while interviewing their owners who live well in their homes to better understand their thought processes when making important decisions. Join Joanne to get a look into the world of luxurious real estate one wonderful home at a time.

“Behind the Curtin” Episode 9 – A Scullery Retrofit in Milton, Georgia

WATCH THE FULL EPISODE HERE

In this episode of “Behind the Curtin”, we delve into the captivating world of scullery design and functionality, as Joanne Curtin sits down with homeowners, Jessica and John Lee. This entertaining interview promises to unravel the mystery of scullery design, where innovation meets aesthetics in the heart of the home.

Joanne: Jessica, John, thank you for talking to me today. Where did you live before you moved in to your current home?

Jessica: We lived inside the perimeter, in a small neighborhood. It was up and coming, and it was before we had kids. It was a wonderful neighborhood. But as our family grew, the small house and yard wasn’t enough space for us anymore.

Joanne: What was it about this house, in particular, that attracted you to it?

Jessica: We both came up with our own “non-negotiables” list. John wanted a flat yard. I wanted a front porch. We both wanted a daylight basement. And essentially, we both wanted a house that we could invest in for the long haul.

Joanne: What have you done to increase the value of your home?

Jessica: The home was in foreclosure when we purchased it. We immediately invested almost $100K because of all the deferred maintenance. We took the brick off the front of the house and replaced it with stone. We resurfaced the floors, painted our cabinets, and updated all the bathrooms. We also redesigned our “mud room”. The way our home is situated, people naturally come to our side door. So, we felt like this area off the kitchen needed to be more inviting and not just a spot where everyone dropped all of their belongings.

The main impetus for the kitchen project was how much updating the kitchen needed. We actually had duct tape holding some of it together! So, since we were doing the remodel, I wanted to make sure that we could essentially take this shell [of kitchen space] and make it very practical for our family. And out of that came the idea of a scullery, or working kitchen. We actually called it “the kids’ kitchen” because we wanted them to have a place to make their messes. The reality is it also offers us a lot more prep and storage space. So, it’s changed everything in our kitchen.

Joanne: Did you use a designer? And what was that like?

Jessica: We used a contractor who had an in-house designer. But essentially, we came up with the plan ourselves. We admit that we’re very particular and we took the reins on the design. Before we found our contractor, we had multiple people from different companies come out, but they couldn’t see our vision. They thought it wasn’t possible.

Joanne: Tell me a little bit more about the choices you made for your kitchen remodel.

Jessica: I think the trend is moving towards very simple design. People are moving away from knickknacks and appliances out on the counters. So, we extended the countertop up on the backsplash because we wanted the clean lines. And we moved the plugs and light switches from the walls to under the cabinets because we wanted that clean look. But of course, we still have appliances that we use. We still have to cook and live our daily lives. And so, we wanted to make sure we had a spot where we can still make messes and actually it [the scullery] provided a lot more storage space. The scullery has a sink so we didn’t have to put one in the center island. We house our microwave oven in there as well, in addition to a smaller “kids’ fridge”. It’s so much easier for the kids to prepare their own snacks now.

In the course of remodeling the kitchen, we played around with the design of the pantry, laundry room and side entrance. We didn’t need to dedicate a whole room for the laundry, since we have units on each level. This gave us the space needed to create our scullery. And it also gave us the chance to find a spot for everything. Even simply preparing our morning smoothies is easier because we don’t have to move all around a large kitchen. Everything is conveniently located in the scullery.

Joanne: What’s your favorite room in the house?

Jessica: I definitely think the scullery. I honestly love being in there. I didn’t cook much before but I love it now. And having the big island in the kitchen as a place for the kids to come and hang out with their friends is something I had always envisioned.

John: Before we had the kitchen redone, I would always direct our guests to the basement. We would hang out down there or by the pool. But now the kitchen is a great spot for entertaining guests as well. But my favorite room was the screened in porch. Of course, now we hang out more in the kitchen and family room.

Joanne: What did you splurge on?

Jessica: Well, I feel like the scullery itself is a splurge. And we really do love our gold fixtures. But being practical, we repurposed our kitchen cabinets to fit in the scullery.

John: I definitely think moving the stove from the island to the other counter and adding a hood.

Joanne: What have you learned from this process?

Jessica: We worked with five or six different contractors on different projects since we bought this house. But I think, you always want to get to know your contractor. They should be honest, upfront, and responsive. The contractor we used for the project said in our first meeting that inevitably something would go wrong. But he assured us that when that happens, we would sit down together and work it out. I really appreciated that.

John: We also learned the importance of picking out your countertop, especially if you want a seamless countertop like we have on the center island. We actually shortened the size of the island to accommodate the countertop we picked out. Otherwise, they would have run a seam down the middle. And our contractor learned a lesson in that process as well. Different styles come in different sizes and your choices are limited if you have already built the island to certain dimensions. So, if you want more options, pick out your countertop before you design your island.

Joanne: Is there anything you would recommend not skimping on if someone is considering a remodel like this?

Jessica: We were both glad that we invested in new cabinets in the kitchen that have the soft close feature and go all the way to the ceiling. The countertops are quartz. And even though I initially wanted marble, we decided quartz was a better material for us.

John: So, this isn’t necessarily related to the kitchen, and Jessica really helped me understand this, but after you finish a project like this what you realize is that the stuff that is important to you – your family, your friends, how you live, how you entertain – makes it worth it. For example, putting a fireplace in the screen porch is nice, but what’s better are the memories you and your family make around it.

Jessica: This home is a gift. And we want to make it a blessing to others as well. Obviously, the remodel adds value to the home. But it also adds value for our family and friends. We can open up more of our home to them. We are people that serve and give back and share. So, that’s what it means to us.

“Behind the Curtin” provides an inside look at local homeowners’ beautifully-crafted houses, giving insight into what it takes to renovate, upgrade, and style the most coveted parts of their dream homes. In this video series, industry expert and business owner Joanne Curtin explores local homes while interviewing their owners who live well in their homes to better understand their thought processes when making important decisions. Join Joanne to get a look into the world of luxurious real estate one wonderful home at a time.

“Behind the Curtin” Episode 8 – A New Construction Home in Roswell, Georgia

WATCH THE FULL EPISODE HERE

Max Reiboldt and his wife, Kay, built a new home across the street from where they were living. This short journey resulted in a huge transformation of their living space.

Joanne: Max and Kay, it is a pleasure to talk to you. I am excited to hear about where you lived before you built this home.

Kay: We lived on Fowler, just literally diagonally across the street. We liked the neighborhood so much that when this property became available, we latched on to it quickly. We wanted to be on one level, and we didn’t want much yard. When the builder realized that two homes could not be built on this lot, Max said, “Why not purchase the entire property?” So, we ended up with a larger lot than we expected.

Joanne: What does your new home have that your previous one didn’t have?

Kay: The problem we had at Fowler is that you could not get into that house without stairs. We needed all of our living space on one level, but we have six grandkids, and we thought, we really would like to have space for them if they all want to come and stay. We also built over the three-car garage. We added that additional space in case we need live in help to stay with us. Caregivers, nursing homes, they are so expensive, we thought it would be better to have space for someone to live here and we can stay in our home which is our goal.

Joanne: What is your favorite room in the house?

Kay: I think the whole downstairs – the kitchen, dining room, hallway. In the morning I love to sit in the hallway with the big windows and plants.

Max: We have an outside covered porch patio and pool and that is a nice setting and pretty enjoyable when the weather isn’t too hot or too cold. I also think the high 25-foot ceiling with a balcony view upstairs is a unique feature in this very custom home.

Joanne: So, upstairs is really for visitors and grandkids?

Max: We entertain quite a good bit actually. And each bedroom has a theme. For example, I am President of the Board of Directors of a medical missions effort serving central America, primarily Guatemala. And we’ve gone there so many times, we have named one of our guest rooms “The Guatemala Room” because we modeled it after some of the places we stay when we are there.

Kay: We have a purple room for our granddaughters. We also have a living room [on the second level] for the grandkids that has an arts and craft area. The third floor was actually not planned for anything more than storage. But we made it in to a game room where we have a pool table and we also have some extra storage up there as well.

Joanne: What is your favorite source for décor?

Kay: Working with our very talented interior designer, Christie, who has worked for HGTV and Netflix, I will buy something that I love and she will find a way to make it work. I love unique pieces and bargains! So, she and I are always on the hunt for a good sale. Locally, I pick up things at antique stores and sometimes I will find pieces online at Wayfair or Serena and Lily. I have a good friend and along with Christie’s assistant, we are able to purchase larger items that I could not transport on my own.

Joanne: What is a splurge in your home that you feel you couldn’t live without?

Kay: I can you right off the bat! It’s the master bathroom tile we had imported from Mexico.

Joanne: And, in your opinion, what is something that you feel someone should never skimp on?

Kay: I think flooring is something you need to get right. And it needs to be the right color, especially when you have a big open space. It has to go with everything. You don’t need to buy the most expensive stuff in the world, but you need to think about upkeep. I also think good quality furniture that will last for a long time is worth the investment.

Joanne: What would you say you and Max learned through the process of building this home?

Kay: Along with our vacation homes, we learned that location is very important. Here we are centrally located for our grandkids. We also learned that some of our original ideas changed as we built the home. For example, we originally planned for a simple little garden. But because of the drainage issues we had on the lot, it was necessary to build the house longer and route the drain system properly to keep the lots from flooding in heavy rain. And with the addition of an elevator, we can have multiple floors that I still have access to, even though we originally planned for a ranch-style home.
But I have to say, being prepared for additional costs that will inevitably come up is important. And be sure to have an attorney look over contracts with builders and vendors so that your financial interests are protected.

“Behind the Curtin” provides an inside look at local homeowners’ beautifully-crafted houses, giving insight into what it takes to renovate, upgrade, and style the most coveted parts of their dream homes. In this video series, industry expert and business owner Joanne Curtin explores local homes while interviewing their owners who live well in their homes to better understand their thought processes when making important decisions. Join Joanne to get a look into the world of luxurious real estate one wonderful home at a time.

“Behind the Curtin” Episode 7 – A Net Zero New Home in Roswell Georgia

WATCH THE FULL EPISODE HERE

Joanne Curtin, Wynn Tierney, net zero home consultant, and Steven Sanders-Myers, Brightwater net zero engineer, discuss the newest Brightwater Homes project, a neighborhood of new construction, net zero homes in Roswell.

Joanne: Thank you for sitting down with me. What made you choose to build in Roswell?

Steven: It was part of our overall 2025 plan, and the Barrington neighborhood was ready for new construction, so we got to work here.

Joanne: What is “Net Zero”?

Steven: Net zero energy is as much energy that is needed to operate the house. That energy is generated onsite with solar arrays and we are generating the same amount of energy that’s needed to run the house. So basically “net zero” means nothing on the meter. You produce as much as you need.

Joanne: What is the main benefit of a net zero home?

Steven: Livability is the biggest benefit. These homes are designed and built to be more energy efficient using better systems and better construction methods. The home is built as a more complete structure with an extremely efficient HVAC. It is better able to control the temperature and humidity coming in to the home. It exceeds all of the code minimums by a large margin. Your HVAC is your biggest energy user. So that’s something that we’re really keen on.

Joanne: So, what does this home have that we all need?

Steven: Cost efficiency is the reason many builders use when they build to code minimums. But in the long run, there are better ways to spend your dollars to build a product that is going to give you a much more comfortable home. Again, the elements that we use to create a better envelope for the house include the HVAC, insulation, and construction techniques save you money over time. The other things people can do in their current homes is add low flow toilets, upgrade to highly rated Energy Saver appliances and even replace their current lightbulbs with energy efficient bulbs.

Joanne: Talk to me a little bit about how you used a designer with this community.

Steven: We actually use energy modeling and an energy designer. We have our architecture team designing the floor plan and the exterior. Then we have a designer work on all the interior finishes. Our buyers will go through a detailed process to curate a specific package for them.

Joanne: What is your favorite room in these homes?

Wynn: I always like the kitchens and the sculleries. With the advent of everyone working from home, you’ve got more people in the kitchen at different times. Some people want an extra sink or dishwasher, some want a wine fridge or an appliance garage.

I also like our FROGS (finished room over garage). They can be more versatile than a finished basement, providing extra guest, work, or workout space.

Joanne: What are you hearing from buyers? What do they like?

Wynn: Our buyers love our new curated design process. We get to know the family and their likes and dislikes and what they need. We ask questions about the music they like, the food they eat, if they like to entertain, etc. We try to get a complete picture of their tastes without overwhelming them. We then create a unique curated package of design choices and materials that fit such as Modern or Timeless Elegance. It is more than a visit to a showroom with basic choices.

Joanne: What are buyers splurging on? Are they being too frugal in some areas?

Wynn: We see buyers upgrading materials in the primary bathroom, such as tile, and we see higher end appliances in the kitchen.

Since we build these homes at such an elite level, there really isn’t a reason to scrimp on anything. If anything, people with basements sometimes choose not to finish every room right away.

Joanne: What have you learned from this process?

Steven: I have been researching net zero homes and techniques for a while but to actually see it in reality is great. There are so many extra things that are done beyond a standard new construction build. For example, window glazing that is required to meet Energy Star standards. Our technical team and energy advisors are here on site to make sure the homes are as efficient as possible. Our goal is the top HERS rating of zero (most efficient). HERS (Home Energy Rating System) is a national standard for demonstrating a home’s energy efficiency. The average home is between 100 and 130.

Also, there is a big debate about building a house too tight. This could lead to moisture build up and mold growth. That is why we install fresh air flow ventilation sized appropriately per cubic feet. Our homes are “healthy homes” for that reason.

Joanne: Is there anything else you’d like to see added to these homes?

Steven: There are strict guidelines from the city of Roswell about water flow calculations and so the footprint of the home, porches, and sidewalks limit the size of the backyard pools that can be installed. As a solution, some buyers are installing smaller splash pools.

Joanne: What is the next Brightwater project after this?

Wynn: “Aster” is coming soon. That is a 24 -home neighborhood off of Cox Road. And then we have the next phase of “Sweet Apple” off of Ebenezer Rd.

Join your host, Joanne Curtin, as she takes you on an exclusive tour of new construction homes and townhomes in Barrington Place, Ecco Park, and Millstone Park. Can you guess the price?

WATCH THE HOME TOURS HERE

House #1- Barrington Place home, built by Brightwater Homes, is in historic Roswell near The Mill Kitchen and Bar and is a net zero home (Net zero means the home generates the renewable power to match the needs of the home). Did you know that Roswell is a certified Green Community – platinum level?

Townhome #2 – Ecco Park is located in Alpharetta 30022. This townhome community is being developed and built by The Providence Group.

Townhome #3 – Millstone Park townhomes are located near Deerfield Parkway, Alpharetta. These three story townhomes are conveniently located near Exit 11 (GA-400) and close to shopping and restaurants.

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“Behind the Curtin” provides an inside look at local homeowners’ beautifully-crafted houses, giving insight into what it takes to renovate, upgrade, and style the most coveted parts of their dream homes. In this video series, industry expert and business owner Joanne Curtin explores local homes while interviewing their owners who live well in their homes to better understand their thought processes when making important decisions. Join Joanne to get a look into the world of luxurious real estate one wonderful home at a time.

“Behind the Curtin” Episode 5 – A Fixer Upper in A Golf Community in Milton, Georgia

WATCH THE FULL EPISODE HERE

Aleisha and Chris Porto live in Milton, Georgia with their two children. Recently, Aleisha and Chris renovated a home in the golf community of White Columns.

Joanne: So, where did you and Chris live before you moved to this house?

Aleisha: We lived a mile from downtown Roswell in a smaller home. It was a good first home.

Joanne: What made you want to move?

Aleisha: We had updated almost every single square foot of our old home. And we had people knocking at the door asking to buy our house. A young couple made an amazing offer on our house. And I really connected with her.

We needed a bigger house. We have two very active boys and we had no backyard. And so that was really what started it and then it slowly progressed from looking in Roswell to Milton. Our design studio is in Milton and a lot of our clients are in Milton, so I know the area well. And the more we looked, the more we loved these homes with larger lots.

Joanne: And what made you pick this house specifically?

Aleisha: Our realtor appeared genuinely taken aback when she discovered that we had different plans in mind. Initially, she was eager to showcase the stunning homes, particularly the new builds, such as those in Toll Brothers and Milton Overlook. But then we started contemplating the value we would receive for our investment. And we both have professional expertise in home design. My husband possesses excellent handyman skills, while I have a clear vision for what I want to achieve with our future home.

I expressed my desire to explore homes that required some fixing up but had already undergone updates. Our realtor proceeded to show us a few options, and one in particular caught our interest. However, after conducting an inspection, we realized that the required repairs would far outweigh any aesthetic improvements. The house’s structural elements needed attention, leading us to ultimately walk away from that opportunity.

During my search, I stumbled upon another house that piqued my curiosity. Since my husband, Chris, was out of town, I enlisted the help of my dad, who, like my husband, is quite skilled in handy work. Chris even asked my dad to assess certain aspects like plumbing, HVAC, and so on while he was there.

Upon entering the house, it was immediately apparent that it was in a state of disarray. Nevertheless, I made a conscious effort to overlook the mess and focus on the layout and potential. In fact, I walked straight through the house to the back deck, where I laid eyes on the backyard. It was exactly what we had envisioned when considering a location like Milton—a spacious yard perfect for entertaining, with ample grass space and even a pool. It checked all the boxes: a desirable neighborhood, a backyard that met our criteria, and a reputable school district, not to mention the ideal number of rooms.

Joanne: How did you improve the value of the house?

Aleisha: Firstly, we prioritized the essential tasks and checked them off the list. The HVAC system required replacement, and the pool pump needed fixing. We hired someone to repair the large fridge instead of replacing it, considering the cost. Additionally, we had to re-service and level the septic system. We removed some dangerous trees, including a beautiful one that was planted in the wrong spot and too close to the roof in front of the house.

We also had to inspect and replace some missing boards on the back deck, and fix the completely dilapidated under decking to ensure proper drainage during rainfall. This was crucial because the previous work was not done correctly, causing water damage.

To increase the property value, we added hardwood floors in the upstairs catwalk, the downstairs sitting room, and the main staircase. We also refinished all the floors and redid the entire stair system, including the spindles, bolsters, and handrails.

We made significant changes to the house, including replacing every light fixture and fan and updating all the lighting. We also repainted every surface inside and outside the house. In addition, we removed several outdated archways that didn’t make much sense in their placement. To create a more modern look, we opened up our columns and updated all of them. We also removed some of the dated wall niches and completed a lot of drywall work, as there were numerous holes in the walls. We also added new carpet.

When we first inspected the house, we were impressed with the state-of-the-art appliances. We were delighted to find that the original owners had installed high-quality Viking and Sub-Zero appliances, as well as a top-of-the-line whole-home humidifier system. The pool was also well-maintained, heated, and equipped with a saltwater system. However, the upkeep of the property had been neglected, so we had to restore and update it to bring it back to its former glory.

The kitchen had a fantastic layout, and the previous owners had expanded it, which was well-done. Overall, the floorplan of the house was great, but it required some much-needed TLC and updating to bring it up to standard. So, we gave it the love and care it deserved.

Joanne: What is your favorite room in the house?

Aleisha: The home has a slightly more open concept, typical of homes built in the early 2000s. As you enter, there is a formal sitting room or office and a dining room, but I appreciate that the living room is not immediately visible. The space is a little narrow, but the living room and kitchen merge into a large, open area, which is the main part of the house. I focused most of my design efforts on the kitchen, which I believe is the heart of the home. While the other rooms still needed attention, I knew that we had to renovate the kitchen while redoing the floors and painting everything. I’m thrilled with the outcome.

Joanne: What does your home offer that you feel you absolutely needed? You hinted at it earlier when you walked in and saw the mess and went straight to the backyard. What aspects of your home do you think other people might need that you have incorporated?

Aleisha: To be honest, what we have is a space that is both kid-friendly and perfect for entertaining, whether it’s adults or children. We can now host families with young kids and they have plenty to do while the adults enjoy the space as well. This was a big concern for us when we had young kids, wanting to have friends over with kids and not being able to keep an eye on them while still enjoying adult time. We wanted a space where we could all hang out and have fun while knowing the kids are safe, and that’s exactly what we have now.

Joanne: As a designer, you have a great advantage in terms of knowledge and expertise. Can you share some of your elements that you incorporated into your home?

Aleisha: To be honest, lighting played a crucial role in transforming our home. Whenever someone buys a new house or plans to update it, they often prioritize the furnishings and decor. However, creating a cohesive lighting plan that complements the overall design and style of the home is equally important. That’s why I spent a lot of time planning and selecting the right lighting fixtures for both the interior and exterior of our home. From the porch lanterns to the lighting in every room, I wanted to ensure that it all flowed together seamlessly.

Joanne: What is a splurge that you feel like you couldn’t live without in your house?

Aleisha: The splurge that I believe was totally worth it was the addition of the floor-to-ceiling limestone fireplace. While there were other options such as installing a mantel or creating a wall to add height, we decided to bring in a team of stonemasons to hand-cut each piece of limestone specifically for our fireplace. As a designer, I was able to guide the process and determine the placement of each piece. The result is a stunning 20-foot limestone fireplace that adds a touch of elegance to the space. Although we could have chosen a different route, I believe the investment was worth it in the end.

Joanne: Throughout this entire process, what have you learned as both the client and the designer?

Aleisha: Living outside of the house during the renovation process was a nice break, but as a designer and client, I always emphasize to my clients the importance of being present and checking in regularly. Even though we weren’t physically living in the home, I was here every day, working and overseeing the progress of the contractors. Contractors may not always understand your vision, so it’s important to communicate clearly and often. I found that constant communication with the contractors, general manager, and tradespeople was like holding hands and made a huge difference. I learned that things will inevitably change during the process, so it’s important to be adaptable and open to pivoting as needed.

Joanne: What would you do different?

Aleisha: I would have devoted more time to carefully selecting and vetting my contractors. Unfortunately, due to time constraints, we were unable to meet with potential contractors and had to start work immediately after closing on the house. Since it was a foreclosure, there was uncertainty as to whether we would even be able to secure the property. This put us under a lot of stress and we ended up hiring some contractors who did subpar work. At the time, we just wanted to move in and put these issues behind us, but in hindsight, I wish we had taken the time to properly vet our contractors before signing any contracts with them. We now have to go back and fix some of the shoddy paintwork and other problems that could have been avoided if we had more time to plan and select our contractors carefully.

Joanne: What would you like to do next?

Aleisha: I am considering investing a bit more into our backyard, which happens to be my favorite place. Although we have primarily focused on furnishing the interior with any extra funds we had, our outdoor furniture is currently outdated and mostly comprised of hand-me-downs. As we spend most of our time in the warmer months entertaining in the backyard with friends and neighbors, it would be lovely to spruce it up with beautiful outdoor furniture and custom grill for an outdoor kitchen. Making it a more inviting and enjoyable space to spend time in.

Joanne: What do you think are some things that you should not skimp on? If people are considering home renovation or buying a fixer upper? What should they not skimp on?

Aleisha: One valuable lesson I learned is to never skimp on the expertise of tradespeople involved in renovations or moving. It’s crucial to hire professionals you trust and who are knowledgeable in their field. Even when receiving quotes from painters, I inquire about the paint they plan to use because opting for cheap, generic options may end up costing more in the long run. I always recommend high-quality paint brands like Benjamin Moore or Farrow & Ball to my clients, as store-matched colors are not the same as the original quality. Cheaper quotes from contractors may be due to the use of low-quality paint, which can lead to poor results and may not last as long. This is especially important for families with children who require durable and easy-to-clean paint that won’t yellow over time.

Joanne: Speaking of materials, you mentioned using limestone for the fireplace, and I’m curious about the materials you used for your staircase and flooring. Did you replace any materials, and if so, what did you choose as replacements?

Aleisha: We removed the leopard carpet in the basement staircase and added real hardwood floors that match the existing red oak floors. We also added iron spindles to the staircase and continued the red oak upstairs in the two rooms where we removed the carpet. Initially, I wanted to bleach the floors for a more modern look, but I decided against it and went with a 50/50 blend of a darker stain with a matte finish, which is better for kids and dogs. We also used marble in the kitchen but opted for a granite that looks like soapstone on the island for durability. For the fireplace, we used limestone and had a cabinet maker custom create new doors, a vent hood, a kitchen table, and a mantel to match my desired style.

Tom Curtin, CEO of the Curtin Team, and Ben and Candice Thorton from Capital Mortgage Solutions, LLC, actively discuss cooperative buying and aiding first-time homebuyers. They dispel myths regarding down payments and explore alternative financing methods. It is revealed that a primary residence can be purchased with as little as a 5% down payment, and some loan programs mandate even less. Furthermore, they delve into the possibility of gift funds, which parents, friends, or close family members can offer. Conventional guidelines dictate that gift funds must originate from a direct family member or fiancé. 401k loans are also an option for individuals who lack a family member or employer to help with the down payment. Borrowing from a 401k to make a down payment on a home has no impact on the debt-to-income ratio.

Check out our previous blog post about the real cost of waiting to buy –
https://www.curtinteam.com/the-real-cost-of-waiting/

Tom and Joanne Curtin discuss the history of the Curtin Team and how the lessons they learned have propelled them forward to build a successful real estate business in Roswell, Georgia. They discuss their success in real estate investments and outline steps they took to get there. They talk about how they committed fully to the decision to invest in real estate and emphasize taking action instead of waiting for the “perfect” opportunity.

Selling a home is a big decision, and one of the most important aspects of the process is determining the right price. Unfortunately, some sellers make the mistake of pricing their homes too high, which can lead to a host of problems down the line. In this blog post, we’ll explore some of the reasons why people price their homes too high when they sell them, and the potential consequences of doing so.

1. Testing the Market
One of the most common reasons why people price their homes too high is because they want to “test the market.” In other words, they want to see if there are any buyers out there who are willing to pay more than what they think their home is worth. While this may seem like a logical strategy, it can backfire in a big way. Overpricing your home can make it less appealing to buyers who are looking in your price range, and it can also turn off potential buyers who might be willing to pay more for a home that is priced appropriately. For example, a home that is worth $600K and the list price was $600K, it would be more likely to get that amount. However, if you listed a home that was only worth $575K for $600K, price reductions might eventually lead to a sale price of only $540K.

2. Leaving Room for Negotiations
Another reason why people may overprice their homes is that they want to leave room for negotiations. They may assume that buyers will try to negotiate the price down, so they start with a higher price in order to end up at the price they really want. However, this strategy can also be counterproductive. If your home is significantly overpriced, buyers may not even bother making an offer, or they may assume that you’re not serious about selling.

3. Believing a Higher List Price Will Result in a Higher Sale Price
Some sellers mistakenly believe that if they list their home at a higher price, they will end up selling it for more money. However, this is not necessarily the case. Buyers are savvy, and they will typically do their research to determine what a home is really worth. If your home is priced much higher than other similar homes in the area, buyers may simply choose to look elsewhere.

4. Misinformed About the Market
Finally, some sellers may overprice their homes because they are misinformed about the market. They may have received bad advice from a friend, neighbor, or another realtor who is not familiar with the local market conditions. It’s important to work with a realtor who has experience selling homes in your area and who can provide you with accurate information about pricing and market trends.

So, what are the consequences of overpricing your home? The most obvious consequence is that your home may sit on the market for longer than it should. This can lead to a variety of problems, including:
• Reduced interest from buyers
• Fewer showings
• Lowball offers
• A lower eventual sales price

In addition, if your home sits on the market for too long, it can start to develop a stigma. Buyers may assume that there is something wrong with the home, or they may wonder why it hasn’t sold yet. This can make it even more difficult to sell the home in the future.

In conclusion, pricing your home appropriately is crucial if you want to sell it quickly and for a fair price. While it may be tempting to overprice your home for any of the reasons mentioned above, it’s important to resist the urge and work with a realtor who can provide you with accurate information about pricing and market conditions. By doing so, you can avoid the pitfalls of overpricing and increase your chances of a successful sale.

New home construction has come a long way in recent years with a focus on space design, energy efficiency, and environmentally-friendly materials. Here are the latest features in new home construction:

Large Mud Rooms (aka Family Foyers) – Large mud rooms have extended their footprint in new homes. Previously, mud rooms were often limited to just a hallway with a built-in, but now they are taking on a larger role by accommodating seating, sometimes with a desk to pay bills, and drop zone for mail. Think about it as a room to hide all the mess when you or your children walk in the door – there’s a place to drop shoes, coats, backpacks, laptops, papers, mail and even to take a minute to sit and relax before entering the main house. All of this is usually hidden behind a sliding door to create separation and the ability to close off this area from guests seeing the mess.

Heated floors – Heated floors are especially popular in the primary bathroom. Making cold tile warm in the winter is a game changer! Heated floors operate on a timed thermostat so you can program the heat to match your schedule. Waking up and the bathroom is already toasted, no longer cringing when your bare feet hit the cold floor and scrambling to get your slippers on. Once you have them, you’ll never want to be without them.

A Hidden Room – Childhood dreams come true! Having a hidden room to relax and unwind or to safely retreat into if needed, these rooms are being added behind bookshelves just like in the movies! Often found in an office, a walk-in closet, or primary bedroom, hidden rooms can serve a variety of purposes like hiding a prized and valuable collection, a hidden entertainment area, or a reading and relaxing spot. Another example is the understairs space that often goes unused, which can be turned into a hidden fun playroom for kids. We’ve even seen a hidden hatch door in the floor that led to a wine room underground. The possibilities are endless.

Environmentally Friendly – Environmentally-friendly building has become a favorite for energy efficiency, with an attainable and clear ROI and because of increased environmental awareness. Homeowners want to be a better steward of the planet, and this not only saves homeowners money on energy bills, but it also helps to reduce the overall carbon footprint of the home. There are many ways builders are incorporating this into their plans, such as:

● Solar: Your builder can prepare the roof when built for solar panels. Installing mounts and preparing for wiring during construction will save you money for when you do install solar panels in the future.
● EV Ready: Your builder can ensure that your home has enough electrical service in your garage and install chargers during construction.
● Battery Ready: Equipping your home with solar batteries allows you to capture the energy produced with solar (instead of or in addition to sending it back to the grid) and then use it as you need it, either during a power outage or on cloudy days when solar may not be sufficient.
● Geothermal Systems: According to the US Department of Energy, a Geothermal heat pump can mean a 25%-50% reduction in energy consumed compared to a traditional system that uses air. In addition to the electricity savings, geothermal systems are eco-friendly because they don’t burn gas during operation. And because there’s no combustion, there’s no admission of carbon dioxide, carbon monoxide or other greenhouse gasses. Because these systems are much quieter to operate, it also saves on noise pollution. If the builder is already digging for a septic for your home, ask about the possibility of adding geothermal during the dig.

There has been a significant shift towards the use of environmentally-friendly building materials. This includes the use of recycled materials, low-VOC (volatile organic compound) paints and finishes. Eco-friendly building materials cut down on greenhouse gas emissions, and conserve natural resources; all while improving water and air quality. Examples are Low-Formaldehyde Insulation, Low-VOC Drywall Adhesives, Low-VOC Paints and Carpets, ENERGY STAR® Low-E Windows, low-flow plumbing fixtures, dual flush toilets and LED lighting packages.

Hidden Outlets – These can be an afterthought, but with planning ahead and smart design, your outlets don’t have to take away from your beautiful kitchen backsplash. Electrical outlets can be placed under the cabinets so they remain hidden from view and still easy to access. There are also countertop pop-up outlets that only appear when needed or removable tile plates that can keep the outlet masked when not in use. With the amount of device charging we need now, consider a charging station drawer. This drawer will have a power strip at the back of it and you can keep unsightly wires and devices out of view while charging. Perfect in the kitchen, bathroom and built-in desk drawers.

Large Kitchen Island – Kitchens are the heart and center of the home. Large kitchen islands serve a multitude of roles, from prep station to homework spot to eating area. Large kitchen islands have an aesthetic impact on the room as well. Popular design trends include the waterfall edge where the countertop continues down the side of the island all the way to the floor or the simpler English cottage style with tongue and groove paneling. Large dramatic hanging light pendants and gorgeous sink hardware help showcase the island as a centerpiece of the kitchen.

Floating vanities – Floating vanities add a contemporary feel and modern look. These shorter base cabinets appear to “float” on the wall instead of sitting directly on the floor. They can make small spaces look larger and open up the room. The downside is less storage space. To add to the floating visual, under-cabinet lighting is a popular added feature, this lighting below the floating cabinetry also adds to the “floating” appearance of the vanity.

Dog Wash Station – Dog owners are spending more and more on their dogs every year. A recent survey cited that one of the main reasons Millennials purchased a home was because of their dogs. So, it’s no surprise that new features specifically for dogs are becoming standard. We’re even seeing dog watering stations with a faucet to refill the water bowl.
Locating a dog bath in a mud room, laundry room ,or garage is a practical solution, especially if your space has exterior access. Putting everything you need right by an exterior entrance; your home will remain better protected from tracked-in dirt. Ideally your wash station has a faucet with a handheld sprayer attachment and drain area. Plus, it’s more versatile than you might think. You can use it not only for your furry friends, it’s also great for washing off muddy kids or dirty shoes.

Built-In Speakers Inside & Out – Bring on the tunes! If you already know where you want to put the sound system and entertainment center, talk to your builder about installing built-in speakers in those rooms. You’ll save yourself valuable floor or wall space and have the luxury of having your house literally filled with music.

Whether you’re building a new home or remodeling an existing one, these trends are worth considering to stay ahead of the curve and to optimize your space in a modern, fashionable way.

What You Need to Know About Vacation Property Investments in Blue Ridge, GA

Have you ever considered purchasing a vacation rental or short-term rental (Airbnb/VRBO) property? You’ve probably heard many others talk about this. If you’re like me, what you’ve heard about these properties sounds too good to be true, but you may have also heard others having terrible experiences with these investments. Short term rental opportunities are starting to diminish, yet if you’re going to enjoy your purchase in addition to renting it, it’s a lifestyle investment. While interest rates have increased and made payments higher, will it be worth more if you intend to hold for 7-10 years?

We have researched many areas and discovered that Blue Ridge, Georgia offers the most benefits for short term rental investment for buyers in the Atlanta area. Here are my top six reasons for why this could be.

1. Blue Ridge has year-round rental appeal. There are activities to enjoy in every season. Summer: Lake Blue Ridge, world-class whitewater rafting on the Ocoee River, or fly fishing on the Toccoa River are popular attractions. Fall: Foliage brings guests to the area and local festivals draw large crowds. Winter: Light Up Blue Ridge festival, Santa Express on the Blue Ridge Railway. Year-round: Trout Fishing – Fannin County is the Trout Capital of Georgia. There’s also mountain biking year-round with an abundance of trails from easy to difficult. Mercier Orchards is the largest orchard in the south. The orchard draws visitors year-round, peaking during apple picking season. Hiking: There are over 300 miles of trails and 16 beautiful waterfalls in the area.
2. Over the holidays, there’s strong demand for cabins where family and friends can come together for Thanksgiving, Christmas, and other holidays in a group setting. Year-round, there is an abundance of hiking. There are over 300 miles of trails in the area! The panhandle/30A area is popular with Atlanta buyers looking to host; however, it is very seasonal and generally limited to spring break and a few months during the summer. It can be extremely difficult to ever turn a profit.
3. Taxes: Fannin County property taxes are much lower than taxes in other counties and especially less than in the state of Florida.
4. Downtown Blue Ridge: The town is a draw for many reasons. The Historic Blue Ridge Railroad, dining, shopping, and nightlife all draw crowds. There’s an artsy vibe with many galleries. The Blue Ridge Railroad offers seasonal trips as well, such as the Firecracker Special and Santa Express. The appeal of downtown Blue Ridge is broad reaching and not reliant on one attraction. This ensures you have guests interested in visiting at all times.
5. Wineries: There are very nice wineries in the area. There are also winery tours (and craft brew tours, too). From a short-term rental benefit perspective, this brings in groups of friends coming for a fun weekend to tour the wineries, who generally will rent a cabin together.
6. Blue Ridge supports tourism. Some local governments look to control or even eliminate short term rentals by adding restrictions or large fees. The Blue Ridge economy is driven by tourism and the local government supports it. Currently, Blue Ridge requires you to obtain a Short Term Rental Certificate. The cost is minimal at $25 per year.

I have personally invested in both beach and mountain vacation properties, and Blue Ridge has been the best for us. Winter, Spring, Summer or Fall — the Blue Ridge Mountains are beautiful. We wanted to confidently help our clients invest in Blue Ridge as well. To do so, we have partnered with Tracy Krohn. Tracy has a wealth of local knowledge, having grown up here and worked in the area extensively. Tracy personally owns a vacation rental in Blue Ridge and she can help you understand recent rental income trends and operating expenses so you can make an informed investment decision. If you want to explore the area and learn more, connect with us and we’ll connect you with Tracy to get started!