4 Common Design Mistakes to Avoid

Choosing paint colors, furniture layouts and other design elements can be one of the most exciting aspects of setting up a new home — or the most daunting. Here are four common errors many homeowners fall victim to and tips for remedying them.
Pushing Furniture Against Walls
Backing furniture against the wall doesn’t create an airy feel; it usually leads to an awkward space in the middle of the room. Instead, try floating pieces to establish conversation areas, or place everything just a few inches closer to the center. Ensure a free flow of traffic through the room by keeping a clear path at all times.
Using Rugs That Are Too Small
An undersized rug detracts from the real eye-catching features of a room. Ideally, an area rug should be large enough to fit beneath all the legs of your furniture. If you’re looking to avoid the cost of an enormous rug, try two smaller ones placed side by side for the same effect.
Hanging Art Too High
Homeowners often hang art at eye level, which is a common rule of thumb, but that can be confusing since height varies. Try a more specific tip used by most galleries: Hang artwork so the center of the piece is 57 inches from the floor.
Relying on a Single Light Source
Using overhead fixtures as the only source of light in a room can lead to unpleasant shadows. Add layers of light with a floor lamp, a couple table lamps and maybe an accent light on a piece of art. This will produce pools of light — a hallmark of a well-designed room.
Being mindful of these common slip-ups can make a big difference in how you feel about your overall space.

TRUSTLINE MORTGAGE
TRUSTLINE MORTGAGE, INC.
EMAIL loans@trustlinemortgage.com
PHONE (904) 381-5626
ADDRESS 6101 Gazebo Park Place North, Suite 108 Jacksonville, FL 32257
NMLS: 331480

Is a LEED-certified home for you?

If you’re in the market for a new house, you may have considered a home with energy-saving features. And if your wish list goes beyond having a low-flow showerhead or two, you may have come across a few properties touting LEED certification. What exactly does that mean?

What is LEED certification?
LEED, which stands for Leadership in Energy and Environmental Design, is a third-party program that certifies buildings and homes that have used green building or renovation methods to enhance energy efficiency and indoor comforts. This may include delivering clean indoor air, incorporating safe building materials, and using less water and energy in day-to-day operation.

What are the benefits?
One major appeal of a LEED-certified home is the focus on air quality. A home with this designation has been designed to maximize fresh air indoors and minimize exposure to pollutants and toxins.

Buying a green-certified home can also help you save on monthly utility bills. They’re built so you can comfortably cool and heat the space with minimal energy use — anywhere from 30 to 60 percent less energy than the same home built to industry standards.

Then there’s the potential satisfaction of knowing you’ve reduced your environmental footprint more than you would buying a conventional home.

What about the cost?
You might find that a LEED-certified home costs a bit more upfront, but your savings in energy costs can counteract that over time.

New Home Sales Surge

New U.S. single-family home sales surged to a more than eight-year high in April and prices hit a record high, offering further evidence of a pick-up in economic growth early in the second quarter. The Commerce Department said that new home sales jumped 16.6 percent to a seasonally adjusted annual rate of 619,000 units, the highest level since January 2008. The percent increase was the largest since January 1992. March’s sales pace was revised up to 531,000 units from the previously reported 511,000 units.
Economists polled by Reuters had forecast new home sales, which account for about 10.2 percent of the housing market, rising to only a 523,000 unit-rate last month. New home sales are volatile month-to-month and April’s increase probably exaggerates the housing market strength. Still, last month’s gain pushed new home sales well above their first-quarter average of 531,667 units. The report came in the wake of fairly upbeat data on home resales and residential construction. It also added to retail sales and industrial production reports in suggesting that the economy was gathering speed after growth almost stalled in the first quarter.
Source: CNBC

Safeguard your home while traveling

It can be hard to relax on vacation if you’re worried about what’s going on back home. But a few simple measures can help properly secure your house and give you the peace of mind you need to enjoy your time away.

Hold mail and deliveries. — The U.S. Postal Service makes it easy to put a temporary hold on your mail. And don’t forget to suspend newspaper and other recurring deliveries, like Amazon subscriptions.

Make it look like you’re home. — Use automatic timers for indoor lights and maybe a TV or two. And keep some curtains open; closed curtains suggest that you’re away and give criminals more cover.

Recruit a friend or neighbor. — Ask a neighbor to keep an eye out for unexpected deliveries and park their car in your driveway from time to time. If you’ll be gone for an extended period of time, arrange for someone to mow your lawn.

Freeze your social posts. — Don’t announce your travels on social media, and wait to share pictures until you’re back home. Burglars are increasingly scouring social networks for victims. Check your social network settings, too, so you’re not auto-tagged in pictures by your travel companions.

Monitor from afar. — From cameras and sensors to remote monitoring and notifications, there are numerous options for added protection. Some home security systems can even send you an alert when someone’s at your door.

Secure your valuables. — Before you go, make an indoor sweep and lock up sensitive financial statements, jewelry, laptops and other valuables for additional security and peace of mind.

Lastly, it’s a good idea to give your financial institutions a heads-up about your travel plans. A stream of out-of-state or out-of-country charges could prompt an unnecessary alert that puts a hold on your account.

The Mortgage Specialists
TrustLine Mortgage, Inc.
EMAIL jeff@trustlinemortgage.com
Phone (904) 381-5626
ADDRESS 6101 Gazebo Park Place North, Suite 108 Jacksonville, FL 32257
NMLS: 331480

Don’t ever pay application fees!

If you’ve been listening to the radio lately, you may have heard that we’re always shocked to hear that mortgage companies charge their customers hundreds of dollars just to apply for a loan.

At Trustline Mortgage, we don’t need to trap or trick our customers, because our low rates, excellent service and products speak for themselves. We will never charge you an application fee, and that’s a promise.

Trust your instinct and follow the Line to Trustline Mortgage.

Listen to the Radio Spot!

 

Mortgage Lenders at TrustLine Offer Special Jumbo Mortgage Loan Deal!

If you are a professional dentist, doctor or certified financial planner with no mortgage insurance, we’ve got a great deal for you. Right now, we are offering 90% jumbo mortgage loans to qualifying dentists, doctors and CPAs! Contact us to speak to our expert mortgage lenders to see if you qualify!

Now’s the Time to Reach Out to Your Mortgage Lenders at Trustline

As the economy continues to improve, it seems very likely that mortgage interest rates will start rising after hitting historic lows. What this means is that there has never been a better time for you to either originate a new mortgage or refinance your existing one if you want to take advantage of current interest rates. According to Mike Cetera at interest.com, if you’ve been considering this, “it’s time to get off the fence.”

Whether you’d be best served by an FHA Streamline Refinance, a jumbo mortgage loan or any of our other products, now’s the time to contact us about the best mortgage for you! Our expert mortgage lenders are standing by to find the best home financing solution for you.

A Simple and Fast Way to Refinance Your FHA Loan

If you have a loan through the Federal Housing Administration (FHA), and are looking to refinance into a better rate, you may be in luck! A mortgage refinance product called the FHA Streamline Refinance exists to help homeowners with an FHA loan. In case you’re wondering, Dan Green of themortgagereports.com says the FHA Streamline Refinance is “a special mortgage product, reserved for homeowners with existing FHA mortgages,” and they’re “the fastest, simplest way for FHA-insured homeowners to refinance their respective mortgages.”

While it may not be available for those with Fannie Mae or Freddie Mac mortgages, if you have an FHA loan we can help you get “streamlined” into a refinanced loan that’s right for you. What’s even better is that since there’s no required verification of credit ratings, income, or employment, qualifying for the loan can be relatively easy. Contact us to find out if you have an FHA loan, and if so, for help with applying for the FHA Streamline Refinance.

What If I Have an Underwater Mortgage?

In case you’re wondering when a mortgage is considered underwater, according to Investopedia.com, it is “a home purchase loan with a higher balance than the free-market value of the home.” After the Great Recession of 2008, many borrowers may find themselves in this situation and may be looking for options.

If you are in an underwater mortgage, now might be a great time for you to consider refinancing. By contacting us, Trustline Mortgage can help you discover if you can lower your interest rate and monthly payment, consolidate your debt or pull cash out. If your current loan is owned by Freddie Mac or Fannie Mae, and bought by either of them prior to June 1st, 2009, and you haven’t made any late payments in the past sixth months, you may qualify for HARP (Home Affordable Refinance Program). Along with our Frequently Asked Questions and Glossary, our knowledgeable lending specialists can always help you with questions you may have.

New Rule for Newly Qualified Mortgages

According to the Wall Street Journal, there’s a new rule regarding the definition of new qualified mortgages. Essentially, the Consumer Financial Protection Bureau has clarified that an officially “qualified” mortgage will be presumed to comply with new ability-to-repay standards. While this may be great for typical borrowers, this could place some unfortunate burdens on those seeking “jumbo mortgages.” For more details, read this article at the WSJ.

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