Rachel (Hillman) Foy - Hillman Homes



Posted by Rachel (Hillman) Foy on 5/22/2019

Once you have all the inspections and walk-throughs, sign all the paperwork, and get the keys, now what? Do you move in right away? Remodel? Upgrade? Just paint? Depending on your financial situation after the down-payment and closing costs, you might wonder if you will ever have enough to make some changes to your kitchen. While you save up for the big remodel, give your kitchen backsplash a makeover to see you through the waiting.

Consider one of these low-impact backsplash options

Stick on tiles: Whether you want the subway tile look, an impressive glass tiles mosaic, or standard square tiles, you can get the look for less with elegant peel and stick tile options. Apply SkinnyTile or Smart Tiles (available at DIY stores, specialty tile shops, and through online resources) to your walls. These stick-on tiles come in a vast variety of colors, textures, designs, and finishes from glass look to stone to wood. 

This technology gives you a three-dimensional appearance on a tile that is only 2mm thick. It resists humidity—allowing it to work well above the sink and dishwashers—and heat—so you can install it above your cooktop. These tiles stick onto drywall or over the top of existing tiles which makes your project even more straightforward. Although the manufacturer recommends grout when possible, it is not mandatory, so if the idea of having to grout puts you off, no worries here. All you need are readily available glass cutting tools.

Stick on wood: To give your kitchen a modern, farmhouse, or shabby chic vibe, consider all the options available with stick-on wood veneer products. Stikwood gives you access to a variety of finishes and stain colors. This real-wood veneer goes right on the wall and lets you unleash your creativity. You can find all the installation tools you need right at the Stikwood website or use what you already have.

Peel and stick planks from Plank and Millwork vertically or horizontally and you can cut them with a utility knife, although a miter saw gives you a more professional look. Create a decorative herringbone pattern or use whitewashed planks to make your kitchen appear historical.

Give your kitchen a shiplap-look with stick-on vinyl plank flooring. You will find extensive choices at your local flooring or DIY suppliers. The vinyl takes a beating and gives your wall the woodgrain texture you crave. Leave them natural, paint them white or try any other color you wish.

Once your project is complete, keep a few extras on hand in case you need to replace one or two tiles or planks. When you get ready to do your complete makeover, carefully remove your stick-on pieces and use them for another project.




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Posted by Rachel (Hillman) Foy on 5/15/2019

Attending open houses is common for property buyers in cities and towns nationwide. However, there is no set number of open houses that a homebuyer will need to attend to discover his or her dream residence. In some instances, a buyer may find the ideal home after attending his or her first open house. Or, a buyer may attend dozens of open houses and fail to find a residence that matches his or her expectations.

As a homebuyer, it is important to do everything possible to make the most of an open house. Lucky for you, we're here to help you get ready for an open house and ensure that you can maximize the value of this event.

Now, let's take a look at three tips to help you get ready for an open house.

1. Create a List of Home Questions

You may have learned about a home from a listing. Yet a listing only offers a limited amount of information about a residence. And if you have additional questions about a residence, an open house provides you with a great opportunity to receive responses to your queries.

Craft a list of questions before you attend an open house – you'll be glad you did. With this list in hand, you can ask questions about a home and gain the insights you need to help you decide whether a residence is right for you.

2. Perform Research

Try to collect as much information as you can about a home prior to an open house. That way, you can have a good idea about what to expect when you attend this event.

Also, you may want to put together a game plan before an open house. This plan allows you to prioritize different areas of a residence that you want to check out. Plus, it may help you conduct an in-depth review of a residence.

3. Consult with a Real Estate Agent

A real estate agent is happy to help you plan ahead for any open house. If you employ a real estate agent today, you can receive comprehensive assistance as you conduct your house search.

Typically, a real estate agent will keep you up to date about open house events in your preferred cities and towns. This housing market professional can attend an open house with you and offer immediate feedback as well. In addition, if you want to submit an offer to purchase a residence after an open house, a real estate agent can help you do just that.

Let's not forget about the expert housing market insights that a real estate agent can provide, either. A real estate agent can offer insights into housing market patterns and trends. By doing so, a real estate agent can help you narrow your home search and ensure that you can find a great house at a budget-friendly price.

Ready to attend an open house? Use the aforementioned tips, and you can attend an open house and learn about all aspects of a residence.




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Posted by Rachel (Hillman) Foy on 5/8/2019

You may have heard the term “escrow” in your experience with real estate. You might know it’s an account, but what exactly does it do for you as a buyer? An escrow account is what your lender uses to make payments on things like property taxes, insurance, and more. The lender collects your monthly mortgage payment, and part of that cash goes into an escrow account. 


This type of account is an excellent option for homeowners because your bills relating to being a homeowner will all be paid without you having to do anything. It makes budgeting a breeze because there aren’t any complicated calculations involved. Every month, your lender collects 1/12 of the estimated tax bill and insurance cost for the home. The rest of your mortgage payment covers the principal and interest on the loan of the house.


Are Escrow Accounts Mandatory?


You’ll find that most lenders require you to have an escrow account. The purpose of the account is to keep the home safe as collateral for the loan. The bank has an interest in the proper insurance behind the property. The taxes also need to be paid on time in order to keep the property in good standing. If the taxes aren’t paid, a tax lien will be placed against the house. 


Everything In One Place


You’ll receive an annual statement from your lender that will show you how much money was collected and placed in your escrow account. Escrow payments often change because insurance premiums and taxes tend to change quite frequently. The amount being put into escrow may change a few times throughout the year. The lender keeps track of all this for you, saving you some time. 


Bills That Need To Be Paid


Whether you have an escrow account or not the bills that are included must be paid one way or another. It’s a good idea to speak with your lender before you buy a home to find out that bank’s procedures around these insurance and tax payments. Property tax and home insurance are items that you’ll need to budget for regardless of how your lender does things. An escrow account can be much more convenient for many buyers. 


Escrow is just another one of the many essential terms that you’ll come across as a homebuyer. Knowing the advantages and purpose of the account helps you to be informed as you dive into the home buying process. 





Tags: Buying a home   Mortgage  
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Posted by Rachel (Hillman) Foy on 5/1/2019

The presence of a patio in your home can mean lots of convenience for you and your family. There are also many fantastic ways that having a terrace will make your life comfortable, and enhance your lifestyle. Having a patio is way more than having some pots of plants. Here are some ways to make sure that you get the best from this part of your home:

Extra home space

Attaching a patio to your home will make sure it is convenient to use. A patio extends your outdoor floor space without the added expenses of a home extension. Patios can be the perfect spot for outdoor living by adding some furniture like a sofa, table, heating, and lighting to spice things up.

Games, drinks and entertainment area

If you are into board games and cards, you can have a pool table on your patio. Pool tables take quite a lot of space when used indoors, and they fit nicely outdoor. To spice things up, place a bar for drinks and a dart wall carefully fixed on the wall. These pieces will come together to be the perfect setting for a fun evening with family and friends.

Play area for children

For a patio attached to a home, it will have a single wall. You can get creative and fill the other two side with a canopy to keep wind and weather out. If you have small kids that love to play with toys, this can be the perfect spot. Toys that use up a lot of space in the house will be perfect here. If you are thinking of throwing a kid party, a patio is also ideal. You keep the kids contained to limit the area that can be messed up.

Ideal for Outdoor Meals 

If you are a big fan of alfresco meals, your patio will be the perfect spot to enjoy your barbeque. Besides, if you are not are not a big fan of TV, your Patio will give you a nice comfortable place to keep in touch with nature. 

Your patio can be transformed into another dining room, a greenhouse or a spot for sleep out. If you love Jacuzzi, you can install it! If you have a patio, there are many uses for it. It depends on you and how far you want to go. Make the ultimate use of your patio by furnishing and decorating it to your taste. Once you have tweaked the patio to your liking, you can genuinely enjoy and have fun in there.





Posted by Rachel (Hillman) Foy on 4/24/2019

If you are working from home or considering starting a new business at home, a home office is essential for what you do. But you don't have to break into a bank to create your own home office; you can instead use the things that you find affordable or readily available to creatively come up with something that is functional and effective for you.

  • Use Sunlight to your advantage: Place your desk and chair in front of a window and watch your creativity blossom. You are probably going to spend a large chunk of your time here, so you want to be as comfortable as possible. The window view also gives you an opportunity to take in the outdoors every other minute and reduce eye fatigue.
  • Give the walls a new look: Don't just paint the walls, paint them a color that suits you. What kind of color expresses your style and will increase your productivity?
  • Find a comfortable chair: That goes without saying. Don't sacrifice function for form. The chair design you saw on Pinterest may look great in photographs but may be bad for your back with long-term usage. You want to make sure that you have a chair that is ergonomically correct 
  • Add some touch of greenery: For some reason, plants make the atmosphere of any room feel better, so you should add some greenery to make the office more comfortable for you. Look out for plants that you don’t have to water every day, that way nothing dies in your absence.
  • Make the space personal: Frame up some of your favorite quotes for the wall, or place pictures of your family on your work desk. Make it as distinctive as possible, so that it reflects you and your style in every way. Choose accessories that will add to the feeling of comfort you want to recreate. 
  • Put the little spaces to efficient use: You are probably not going to have as much space as a regular corporate office, so you should aim to take every advantage of available space. Use floating shelves to keep papers and office equipment away from your desk. You can get a basket to hold all your working files and to-do lists instead.

Whatever intentions you had for setting up your office at home, make sure it’s something more than a regular chair and table set up in the guest bedroom. You want to be as comfortable and at ease, as you can be. You also want your workspace to inspire productivity and be presentable enough to stage an official meeting if/when the need arises. Visit your local home improvement store for bargains on items that you may need




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Rachel (Hillman) Foy