American Home Week 2022

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Board President Taylor plans a growth year for association

activities for the next 21 months, also caused the association and its members to scale back on some of its usual community support activities. Now that many public health experts believe that COVID-19 hospitalizations will remain low, organizations such as the Roswell Association of Realtors can participate in and hold more community events.

That includes the association’s Citizen of the Year banquet, which Taylor said the group is working on coordinating now.

“We would like to be out in the community a little bit more and give them more of an idea of what realtors do for them,” Taylor said.

By Lisa DunLap RosweLL DaiLy RecoRD

The Roswell Association of Realtors plans to grow, restructure its legal organization and increase its community involvement this year, according to 2022 Board President Todd Taylor, a broker with Ranchline Taylor and Taylor Realtors Ltd.

A commercial and residential real estate professional for seven years and named in early 2021 as the association’s 2020 Realtor of the Year, Taylor said that a top priority for the group remains growing its membership, which now stands at about 105 brokers and associate brokers in Chaves County and Artesia.

The association is an advocacy group for the industry and its members as well as a professional development resource, coordinating the continuing education required for real estate professionals to maintain their licenses. It also functions as a promoter of the local region, working to enhance its economic base, quality of life and citizen involvement.

Taylor said that the coronavirus pandemic, which began to affect New Mexico in March 2020 and caused many restrictions on community events and

The association’s office on West Second Street has been renovated, a major project in 2021, and Taylor said it will serve as a training location and meeting place in the year ahead.

The association also will be reorganizing its legal structure this year.

“One of our big goals is to make us a 501(c) organization,” Taylor said.

He said that designation will provide the organization with tax benefits. That work involves changing legal documents and working with the Internal Revenue Service, but the public is not expected to notice a change.

Lelynn Todd Taylor grew up in Roswell, attending the New Mexico Military Institute. After graduating from high school and junior college from the Institute, he earned a bachelor’s degree from the University of Texas at Austin. Prior to entering the real estate field, which his mother and father also are involved in locally, Taylor’s professional experiences included working in Texas with two legislators.

Taylor also serves with the New Mexico Real Estate Commission Education Advisory Committee and is a board member of the New Mexico Farmers Marketing Association, as he also runs ranching and agribusiness operations.

Lisa Dunlap can be reached at 575622-7710, ext. 351, or at reporter02@ rdrnews.com.

Submitted Photo Todd Taylor, 2022 Roswell Association of Realtors Board of Directors president

Local broker sees strong housing market in 2022

By Lisa DunLap RosweLL DaiLy RecoRD

The 2022 local real estate market should be a good one in spite of increasing inflation and mortgage rates, said the current board president of the Roswell Association of Realtors.

“It is going to be a good year, but it is going to be a challenging year, with (mortgage) rates going up,” said Todd Taylor, a broker with Ranchline Taylor and Taylor Realtors Ltd.

In March 2022, the 30-year fixed rate for a mortgage was 3.9%, but the rate stood at 5.19% for the third week of April 2022, Taylor said.

“But we are still at extremely low interest rates,” he said. “We are still in good shape. It is just getting people used to it again.”

The last time interest rates were 5% or more was in 2010, according to FreddieMac, the Federal Home Loan Mortgage Corp.

Economists with the National Association of Realtors have projected in online posts that increasing mortgage rates, coupled with rising inflation, could mean that as many as 16 million people nationwide will be priced out of the market this year and that housing sales activity could decrease by 10%.

According to Senior Economist and Director of Forecasting Nadia Evangelou, the 1.8% increase in mortgage rates since the beginning of 2022 has added $400 a month to the mortgage payment for a median-priced home.

The U.S. is also experiencing steep inflation of about 8.6%, according to Research Economist Scholastica Gay Cororaton, but wages in March 2022 were 2.7% lower than in March 2021.

As Cororaton wrote in an April 13 post, because inflation could cause most people to spend $6,132 more this year for goods and services than in 2021, they will want to pay about $41,793 less for a house.

But Taylor said that the first three months of 2022 have seen strong sales and pricing in the local area.

He said that, so far in 2022, 161 homes have been sold, about 40 homes a month, with an average sales price of $226,000.

“That’s a good start for the quarter,”

he said.

By comparison, from January to December 2021, the area had 720 home sales with an average price of $205,000.

Even during the pandemic year of 2020, the area had 635 home sales with an average price of $184,000.

He said housing inventory is being added to the area, with current building occurring in south Roswell near Jaffa Street and in north Roswell in the Briar Ridge area. Site work also has begun on The Oaks subdivision at North Montana Avenue and West Country Club Road.

Taylor said that he thinks that prospective home builders should not be deterred by inflation, adding a com -

mon reminder that real estate professionals often provide, that people who pay rent are paying someone else’s mortgage, whereas homeowners are paying mortgage for their own property.

“Real estate is always a good buffer to inflation,” Taylor said. “It is a good time to buy. We have such excellent programs out there. We have first-time buyer programs done by the state of New Mexico, New Mexico Finance Authority, so people can get into buying homes, if this is their first time, with a low down payment, and sometimes zero down payment, and their credit doesn’t have to be as high as with a regular mortgage company.”

According to statistics from the New Mexico Association of Realtors, the median price of a home in the Chaves County area has increased 45% during the past five years, or from $127,750 for the 2017 year to $185,000 for the 2021 year. The number of annual home sales has grown by 53%, from 398 in 2017 to 608 in 2021.

For New Mexico, the median price has increased 39% from 2017 to 2021, going from $190,990 to $274,000. Annual home sales have decreased 5% over the five-year period, from 22,221 in 2017 to 21,085 in 2021.

Lisa Dunlap can be reached at 575622-7710, ext. 351, or at reporter02@ rdrnews.com.

Daily Record File Photo Mortgage rates have been climbing so far this year, but a local real estate professional says real estate is “always a good buffer to inflation.”

Association names Purkey ‘Realtor of the Year’

By amy LignoR speciaL to RosweLL DaiLy RecoRD

The Roswell Association of Realtors recently announced its industry award winners, and Esther Purkey was celebrated as being “Realtor of the Year.”

Born and raised in the Lone Star State, Purkey shared how her life and career path eventually brought her to Roswell. “While in Texas, I worked in several different fields, including medical, time working at a television ministry and, prior to relocating to Roswell, as an account manager for an employee benefits company — there we served small businesses to large corporations in the Dallas/Fort Worth and surrounding areas.”

Even back then, Purkey wanted to explore another industry.

“I always had a desire to be a Real-

tor, actually,” she explained, “and we moved to Roswell in 2005, for my husband’s job. When I settled here and was only working part time, I jumped at the opportunity and found a bro -

kerage who helped me get started. Achieving my license at the end of 2008, I felt that I finally was working in the niche that was made for me.”

When asked what she enjoys most about going to work every day, she spoke about aiding others in their quest to start their futures and find that “perfect home” for their entire family.

“I not only truly love helping people find that place where they will enjoy life and raise their family, but I have also worked with a lot of foreclosures over the past 10 years and have been trained in short sales; this is a situation where a property owner works with their lender to get out from under a possible foreclosure by selling their house — sometimes for less than what they actually owe — so I like being able to do all I can to help in those situations as well.

“I also love seeing all the different homes because, like people, each house has its own charm and character.”

Purkey knows quality of life increases when one is surrounded by the family they love. “I am also quite lucky to have three children and four grandchildren to call my own; in addition, two of my kids — and all of my grandchildren — currently live right here in Roswell.”

When it comes to the “Realtor of the Year” award, Purkey (McDaniel Home Solutions on 110 E 10th St.) is very proud. “I am very honored and blessed to have this endorsement from our local association, especially knowing how many deserving Realtors are out there.”

Berry’s first year earns him ‘Rookie or the Year’ honor

By amy LignoR speciaL to RosweLL DaiLy RecoRD

Josh Berry, Associate Broker at Keller Williams Realty in Roswell, was honored recently by the Roswell Association of Realtors as “Rookie of the Year.”

Born and raised in Roswell, Berry attended and graduated from New Mexico Military Institute with honors. After graduation from NMMI, he furthered his academic path at the University of New Mexico, which culminated in his attainment of two degrees — one in Psychology and one in Media Arts. Following his university studies, Josh went on to pursue a sales and marketing career in the craft beer trade that was suddenly booming. When asked what altered his path to the realm of real estate, he said, “When COVID-19 shook up

the industry, I saw my opportunity to shift careers and take the leap into what I knew would be my next step —

real estate.”

Moving back to Roswell provided Josh with many opportunities. “Not only could I be closer to family, I could learn the trade firsthand from my mother and mentor, Lori K. Berry, who has nearly a decade of experience working as a Realtor.”

When asked what Josh likes most about being a Realtor, it’s clear that he enjoys aiding those who want to find a home, as well as a menu of other benefits the industry brings. “Helping customers with some of the biggest decisions in their lives, the dynamic daily challenges, and learning unique aspects of the history of Roswell — through the tours and inspections of homes from the past — have certainly been the most compelling and enjoyable aspects of my profession.

“I constantly look forward to learn -

ing more about my industry, my city and how to better service my community.”

Hearing about the award from the Roswell Association of Realtors was a great moment for Berry. “I have to say, my first year as a Realtor has been an amazing journey. I am elated to have received recognition as being ‘Rookie of the Year’ from ROAR … I strive for outstanding excellence in my duties on a daily basis, and my successes in the business reflect that. I will always go above and beyond in every facet of my work, and I am looking forward to helping more families find their perfect home.”

This outstanding “rookie” likes to spend what little free time he has planning and looking forward to unforgettable wilderness kayak trips.

Juno Ogle Photo Realtor of the Year, Esther Purkey.

Juno Ogle Photo Rookie of the Year, Josh Berry.

Bronze Producers Silver Producers

Bronze: PICTURED: Matthew Jauriqui, Connie Bonham, Scarlet Castillo, Brad Davis, Freddy Nasrallah, Ana Garcia, Marcia Tidwell, Esther Purkey, Lynda Woody, Josh Berry, Roger Kilpatrick, Jim Moore. NOT

Sandra Stewart, Medoli Salas, Sherlea Taylor, Todd Taylor, Paul Taylor III, Shirley Childress, Diana Bergman, Allen Shanley, Brenda Lee, Beth Smith, Maria Campos, Venessa Ruiz, Tara Marrs, Erica Haven, Blanca Valverde, Yvette Palma, Jessica Emerich.

Juno Ogle Photo

PICTURED:

Juno Ogle Photo

Silver: PICTURED: Ramsie Hernandez, Marion Hobbs, Tricia Hart, Dustin Bates, Miracle Ebright, Steven Henderson, Jennifer Lewis, Sam Pettit, Alicia Gilmore, Hannah Brown. NOT PICTURED: Mark Bleth, Charlotte Thompson, Brynn Brown, Kim Perry.

Gold ProducersPlatinum ProducersDiamond Producers

Juno Ogle Photo

Gold: PICTURED: Gen Outland, Dan Coleman, Mirta Varela, Alex Pankey, Daisy Olaguez. NOT PICTURED: Lindsey McKay, Leesa Chesser.

Juno Ogle Photo

Platinum: PICTURED: Karla Crow, Jesse McDaniel, Jennifer Wilcox, Bill Davis, Linda Kirk. NOT PICTURED: Lori Berry.

Juno Ogle Photo

Diamond: PICTURED: Mindy Longmire, Ramona Kilpatrick, Riley Armstrong, Heidi Bills, Jennifer Smith. NOT PICTURED: Starla Nunez, Josh Lusk, Cherri Snyder.

Erica Havens Blanca Valverde Brad Davis

Connie Bonham Yvette Palma Scarlett Castillo

Jessica Emereth

Marion Hobbs Kim Perry Ramsie Hernandez

Miracle Ebright

Alicia Gilmore Tricia Hart

Gen Outland Mark Bleth

Charlotte Thompson Brynn Brown

Dustin Bates

Steven Henderson

Jen Wilcox Bill Davis Linda Kirk

Lindsay McKay Dan Coleman Alex Pankey

Planning ahead is important to a successful renovation

While planning ahead may take time, it is essential to ensuring successful completion of a renovation project. Consider these pre-renovation planning pointers to help any job go smoothly.

Determine your motivation for renovating

Renovation projects often involve balancing needs and wants, and determining if a project is a necessity or a luxury can set the timeline and course of the project. Is the roof leaking? If so, immediate action is necessary. Could the kitchen be a bit more functional? If the kitchen is still manageable, a homeowner may be able to wait a little bit to get better prices on appliances or contracting services.

Separating needs from wants helps homeowners map out a viable timeline that maximizes productivity and affordability.

Get professional advice

Get necessary permits

Permits are designed to ensure the work is being done to code and in a safe manner. However, they are not without additional costs and processing time, and that can cause some homeowners to skip this step. According to the home information site The Spruce, building permits cost anywhere from $400 to about $2,200 for new home construction. Building permits for smaller projects can cost $100 or less, and typically are based on a percentage of the anticipated cost of the project.

Remodeling projects are significant undertakings. Homeowners must consider a host of variables before any such project can begin.

Many homeowners are under the impression that doing the work themselves can save a considerable amount of money. This may be the case for homeowners with renovation experience. But by and large, professional contractors are an asset to any renovation. They can provide a realistic overview of the project, map out projected costs, point out areas that could be troublesome, and may have industry contacts that can keep supply costs low. Even if a homeowner will do a portion of the job, a contractor can do the bulk of the work and keep the project on budget.

A permit may be issued the day the application is submitted, while other cities and towns may issue permits up to two or more weeks later. Factor permit fees and processing times into the renovation plan. If it comes to light a homeowner did work without a required permit, he or she may face penalties; may have to tear out work done to have it inspected or redone; some may be unable to sell a home until permits have been obtained and work has been done to code. Homeowners insurance coverage also may be affected if homeowners do not obtain the proper permits.

Other considerations when planning a renovation include writing out a strict budget, gathering inspiration, drawing up to-scale renovation plans, pouring over material reviews, and getting recommendations for reliable professionals to do the job. While not every obstacle can be avoided, planning is a good way to start successfully.

Pros and cons to open-concept homes

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Open-concept homes have become increasingly popular in recent years. An open-concept home is one in which the rooms flow into one another with limited obstruction from walls or other barriers. According to the National Association of Home Builders, 84 percent of new single-family homes have fully or partially open layouts.

While they may seem like a new trend, open floor plans are anything but. Early American homes featured open, often one- or two-room units built around the central kitchen/hearth. This maximized warmth and functionality. Homes evolved as incomes grew, and soon homes had several smaller rooms with specialized functions.

What’s old has become new again. However, before diving head first into a new home purchase or a big renova-

tion to realize an open-concept dream, consider the pros and cons of this type of setup to determine if it’s really right for you.

Advantages of open floor plans

Open floor plans facilitate the flow of natural light throughout a space and can promote air flow, helping to reduce warm or cool pockets of air in otherwise closed-off rooms.

Open homes make socializing easier, even when people are doing different things. While someone is cooking dinner in the kitchen, he or she can still interact with someone else playing video games in the family room or paying bills in the home office. Entertaining also is easier, as mingling with guests is much more convenient when walls are not getting in the way.

A smaller home can feel much larger if it employs an open concept. The

square footage is not divided into smaller quarters, which sometimes are rooms (such as formal dining rooms) that are only used a few times per year. This eliminates underused spaces and opens up sight lines in the layout.

The value of real estate has risen dramatically since the onset of the COVID19 pandemic, and prospective buyers may prefer an open-concept plan because it can help them minimize building costs.

Disadvantages of open floor plans

Open layouts are not for everyone. The same sense of space that occurs when walls are taken down may make rooms feel cavernous and less cozy, particularly in homes with ample square footage. In addition, privacy can be hard to come by when all rooms feed into one another.

When the kitchen is not separate

from the family room space, that makes it easy for noise to compromise the area’s comfort levels. There is no hiding from noise in an open floor plan, as sounds from voices, television shows and appliances tend to echo and blend together. And if the home is a singlestory layout, those noises from the main living areas also may carry to adjacent bedrooms.

Smoke and smells are another thing to consider. When something on the stove spills over, a small range hood will not be practical for clearing smoke from a large space. Though the aroma of freshly cooked food is enticing, it can make it hard for cooks to keep guests out of the kitchen.

Open-concept homes are popular, but homeowners should weigh the pluses and minuses to see if this trend is truly right for them.

Popular kitchen flooring materials

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Kitchens have long been considered the most popular gathering spaces in a home. That popularity compels millions of homeowners to renovate their kitchens each year, and the return on those investments is often significant.

A number of variables, including the value of neighboring homes and how quickly homeowners sell their homes after a renovation, affect the return on investment with a given project. According to Remodeling magazine’s “2021 Cost vs. Value Report,” homeowners recouped roughly 72 percent of their investment in a minor kitchen remodel at resale. That’s a sizable return that outperformed other popular upgrades, including vinyl siding replacement and wood deck additions. When renovating kitchens, homeowners will have to consider various components within the room, including the floors. Average flooring costs can be hard to calculate because they depend so heavily on homeowners’ choice of materials. The following are some popular flooring materials that homeowners can consider as they plan to renovate their kitchens.

• Vinyl: Vinyl flooring is popular thanks in large part to its cost. According to the home remodeling experts at HomeAdvisor, vinyl flooring installation is much less costly than other types of flooring. But its budget-friendliness is not the only benefit of vinyl flooring, which HGTV notes is easy to clean, making it an ideal choice for families that routinely confront spills and stains. HomeAdvisor notes that vinyl is the best waterproof material among all kitchen floors.

• Porcelain/ceramic tile: HomeAdvisor reports that the average cost to install porcelain or ceramic tile flooring

is between $885 and $2,994. That’s less than the average cost to install stone or wood flooring. Porcelain or ceramic tiles can be slippery when they get wet, though HGTV notes that some porcelain flooring tiles have been certified as slip-resistant by the Americans with Disabilities Act.

• Hardwood: It’s hard to beat hardwood when it comes to aesthetic appeal. Hardwood can be especially suitable in homes with open-concept floor plans that already have hardwood floors in surrounding rooms. HomeAdvisor notes that hardwood flooring installation can be costly, which might make it a less realistic option for budget-conscious homeowners. According to HGTV, engineered wood planks may be something to consider in the kitchen, as these are designed to be less susceptible to humidity and temperature. That’s an important component to consider in the kitchen, where temperatures can fluctuate while meals are being prepared.

• Stone: Natural stone tile is another popular kitchen flooring material. HomeAdvisor traces that popularity to its wide variety of styles and price points, which make it a realistic option for homeowners working with budgets big and small. Stone tiles also provide a unique look because no two look the same, which might appeal to homeowners who want their kitchen floors to create a one-of-a-kind impression.

Kitchen flooring materials vary widely. That variety ensures there’s a material for any style and budget homeowners are working with.

homeowner, saving even more money.

Introduce a fireplace

Fireplaces were once hot commodities, but that popularity waned in the 1970s and 1980s. Homeowners with chimneys may discover a fireplace was boarded over and the bare bones still exist that can be renovated to bring back character. There also are ventless freestanding units that are quite affordable that can mimic the look of a builtin fireplace.

Reupholster instead of replace furniture

There’s no need to throw away quality furniture if the fabric is the only thing impeding design. New upholstery or even a slipcover can update designs.

Low-cost ways to revamp living areas

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Home improvement projects require substantial financial investment. But just because a homeowner wants to bring a fresh look indoors doesn’t mean he or she has to break the bank along the way.

Living rooms are some of the most frequently used spaces in a home, and they can use an update from time to time to stay on trend or to make the area more functional for a changing family dynamic. Here are some budgetfriendly ideas for breathing new life into living room designs.

Establish the budget

Homeowners should figure out how many dollars they can designate to a living room makeover before purchasing supplies or hiring out the work. Figure out the scope of the remodel, visit stores or suppliers to price out materials, get estimates from contractors, and then plan for some unforseen circumstances along the way to determine if this type of renovation is affordable. If not, scale things back until the project more closely aligns with your budget.

Change the paint color

Lighter and brighter colors are on

trend. A can or two of paint can do wonders for updating a space without a large financial commitment. Pair that new paint color with new window coverings and complementary throw pillows to pull the theme together with minimal expense.

Update the flooring

Tired, outdated carpeting or other flooring can use an overhaul. While solid hardwood flooring may be preferable, there are many types of laminate flooring that mimic the looks of popular wood colors and styles for a fraction of the cost. Plus, many are sold at home improvement retailers and even at warehouse clubs or online for reasonable prices. Laminate flooring also may be a potential DIY job for a skilled

Conquer clutter

Rather than adding something to the living room, remove clutter to give the room a more airy feel. This can instantly change the look of the room. Use cord covers to tame plugs for electronics and remove unnecessary furniture from the room.

Improve lighting

Another easy and often inexpensive

fix is to change lighting fixtures, including using brighter, more energy efficient LED bulbs, and to assess lighting needs to eliminate dark corners of rooms that can make the space seem drab.

Living room spaces in need of an update often can benefit from improvements that go easy on the wallet.

7

Things to know before replacing windows

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The decision to replace windows often comes down to aesthetics and necessity. Drafty windows can reduce energy efficiency in a home, requiring HVAC systems to work harder to keep interiors comfortable. The harder the HVAC must work, the more homeowners will pay in energy costs.

Old windows also may be points of entry for water and insects. Despite the importance of windows, Money magazine advises that new windows make up only a fraction of the home’s total exterior “envelope,” resulting in only about 5 to 15 percent of total energy savings.

But there are still plenty of reasons to invest in new windows.

1. Vinyl or aluminum may be best. Lumber is farmed rather quickly today and solid wood products may not stand up to elements as well as wood used a half-century

ago. To avoid rot, vinyl windows often are an affordable and durable choice. Homeowners also have the option of wood windows with aluminum cladding, which are long-lasting.

2. Moisture problems indicate windows need to be replaced. Condensation that shows up as fogging between double-pane windows or on the inside of windows indicates that the windows are starting to fail. If installing a vapor barrier in the basement or crawl space, ventilating properly when showering or cooking, or using a dehumidifier indoors does not remedy the situation, it might be time to replace windows.

3. Windows add curb appeal. Beyond functionality, replacement windows immediately update the look of the home and can improve curb appeal since they are one of the most prominent features on the exterior of a home. If a house needs an update, replacing windows and can be a quick

and affordable update.

4. Consider other energy-efficient upgrades. Sometimes older windows can be salvaged, especially if they are not damaged and only moderately drafty. Replacing panes, sash cords, weather stripping, and even glazing may be less expensive than replacing a window. Plus, older homes with attractive windows complement one another. To keep energy bills down, think about adding insulation to the attic and basement — which is a good idea even if you are replacing windows.

5. The wrong windows can adversely affect home value. The National Association of Realtors says homeowners get about 73 percent of their replacement window investment back when they resell a home. But choosing the wrong windows might lower the value of the home. It’s important to match the look of the original windows, including window material and

the divided light pattern (the number of panes in each window) with the original windows.

6. Think about soundproofing, too. When upgrading windows, also think about how certain windows can cancel out noises and make homes more soundproof. Some windows can help reduce outdoor distractions like leaf blowers or lawn mowers.

7. Proper installation is key to longevity. Replacement windows are only as good as their installation in many cases. Poor installation and orders of standard rather than custom sized windows could result in poor fitting and seals. Homeowners should carefully vet and review window replacement contractors to find the best professionals for the job.

What is a HELOC?

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Homes symbolize many different things, including an investment in one’s future. Bank of America says a home equity line of credit, often referred to as a HELOC, is a line of credit secured by your home. It is a revolving credit line that can be used for various expenses. The Credit Union of Southern California reports that a HELOC credit line is issued by a lender and has a limit and variable interest rate that is secured by the equity in your home.

A HELOC is similar to a credit card in that they both provide revolving credit. Investopedia says revolving credit is an agreement that permits an account holder to borrow money repeatedly up to a set dollar limit while also repaying a portion of the current balance due in regular payments over time.

But unlike credit cards that may have high interest rates, the interest rates of HELOCs often are lower — a significant advantage when paying off large amounts of borrowed money.

Home equity accessed through a HELOC can be a great source of value for future renovations, large purchases such as cars, educational expenses, and alternative debt repayment. The credit limit of a HELOC

depends on your credit standing and unpaid debts. It also is determined by the market value of the home and how much you owe on your mortgage. According to Credit Karma, banks tend to limit the amount borrowed to no more than 85 percent of the appraised value of the home, minus what is owed on the mortgage. HELOC terms also vary, but they can run for as long as 30 years.

Even though there are many benefits to HELOCs, there is a downside to using a home as collateral. Investopedia says home equity lenders place a second lien on the home (in addition to the first mortgage lien). Defaulting on HELOC payments can result in legal action and a home being repossessed. Another potential pitfall is a lender may reduce or freeze your credit line after missed payments. Even though banks attempt to limit how much can be borrowed through HELOCs to help avoid potentially negative situations, they are not without risk.

Borrowers considering a HELOC have other options, including home equity loans. Homeowners can speak with financial advisors to learn more about their options for maximizing equity in their homes.

Your Dream Home

Congratulations to Roswell’s TOP PRODUCERS

Brynn Brown Berkshire Hathaway Enchanted Lands, REALTORS®

Dan Coleman Berkshire Hathaway Enchanted Lands, REALTORS®

Miracle Ebright Berkshire Hathaway Enchanted Lands, REALTORS®

Alicia Gilmore Berkshire Hathaway Enchanted Lands, REALTORS®

Tricia Hart Berkshire Hathaway Enchanted Lands, REALTORS®

Steven Henderson Berkshire Hathaway Enchanted Lands, REALTORS®

Lindsey McKay Berkshire Hathaway Enchanted Lands, REALTORS®

Jennifer Wilcox Berkshire Hathaway Enchanted Lands, REALTORS®

Riley Armstrong Century 21 Home Planning

Diana Bergman Century 21 Home Planning

Josh Lusk Century 21 Home Planning

Jim Moore Century 21 Home Planning

Jennifer Lewis Century 21 Home Planning

Allen Shanley Century 21 Home Planning

Marcia Tidwell Century 21 Home Planning

Ana Garcia Century 21 Home Planning

Brenda Lee Century 21 Home Planning

Leesa Chesser Michelet Homestead Realty

Cherri Snyder Michelet Homestead Realty

Matthew Jauriqui McDaniel Home Solution

Jesse McDaniel McDaniel Home Solution

Hannah Brown McDaniel McDaniel Home Solution

Esther Purkey McDaniel Home Solution

Mindy Longmire Dynamic Properties

Paul Taylor III Ranchline Taylor & Taylor

Melodi Salas Ranchline Taylor & Taylor

Sherlea Taylor Ranchline Taylor & Taylor

Todd Taylor Ranchline Taylor & Taylor

Shirley Childress RE/MAX First Place Realtors®

Karla Crow RE/MAX First Place Realtors®

Tips when painting shutters

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There are many ways to give a home’s exterior a new look. Though it might not be as grand as replacing siding, repainting shutters affords homeowners a chance to try a bold new color or simply replace fading colors, and each option can make a home more appealing.

Homeowners who have never before painted shutters can consider these tips as they prepare to begin the project.

• Don’t go it alone. The most important step homeowners can take before beginning a shutter painting project is to enlist the help of a friend or family member. Someone to hold the ladder can make the project safer. Enlisting a third individual, working on the ground, who can take the shutters from the person on the ladder may be a wise move as well.

• Remove the shutters. When painting shutters, homeowners want to remove them from the house. It might seem easier to leave the shutters on and then paint them carefully with a brush, but that’s both time-consuming and a potential safety risk. Some shutters are installed with fasteners that look like screws, but that appearance is misleading and shutters installed in this way cannot be removed with

a drill or screwdriver. Homeowners should determine which material their shutters are made from, and then look for a corresponding removal tutorial on YouTube. Homeowners who can’t find one can contact the manufacturer or a contractor to determine the best way to remove the shutters.

• Clean the shutters prior to painting them. It’s likely been years since the shutters were last painted, and over that time they’ve no doubt accumulated a lot of dirt and mildew. Homeowners can try a garden hose to clean them, and if that doesn’t work a power washer may be needed. If using a power washer with wooden shutters, be especially careful, as the force of the power washer may damage the wood. Vinyl shutters, like vinyl siding,

can typically handle a strong power washing without being damaged. Wooden shutters also will need to have old paint removed before they can be repainted. The experts at TrueValue® note that paint can be removed from wooden shutters with a sander or by applying a chemical paint stripper.

• Prime wooden shutters before painting. Though vinyl shutters won’t need to be primed unless the old paint is peeling, wooden shutters must be primed before they’re painted. Priming can be a tedious process, so homeowners should leave themselves ample time for this part of the project.

• Rent an airless sprayer to paint the shutters. Many hardware or paint stores rent airless sprayers, and these

can be the quickest way to paint shutters. Professionals typically apply two coats of paint, and the first coat should be allowed to fully dry before the second coat is applied.

• Re-hang the shutters after they have fully dried. Only after the shutters have fully dried should they be placed back on the house. Employ the same buddy system when re-hanging the shutters, having one person hold the ladder and another pass each one up one at a time.

Painting shutters can give a home a fresh look without costing homeowners a lot of money.

3 factors to consider before converting an attic

main floor. That can make it easier to concentrate when everyone is in the house and reduce the likelihood that video calls with colleagues and clients will be interrupted by kids and pets.

Attic conversions are not always possible, and the following are three important factors homeowners may need to consider before they can go forward with such projects.

1. Dimensions: Both the renovation experts at This Old House and the real estate experts at UpNest indicate that at least half of a finished attic must be a minimum of seven feet high and seven feet wide and 70 square feet. Requirements may differ depending on where homeowners live, but that 7-7-70 guideline is generally the minimum requirement. An attic that fails to meet such requirements won’t necessarily be a lost cause, but it might be costly to make adjustments that ultimately align with local codes.

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At the onset of the COVID-19 pandemic, many homeowners suddenly found themselves in need of more usable square footage in their homes. Required to work from home due to social distancing recommendations, millions of working professionals suddenly found themselves setting up shop at kitchen tables or islands, in alcoves, garages, or even walk-in closets. Those makeshift offices were never supposed to be perma -

nent, but as companies loosen workplace policies and embrace full remote or hybrid working arrangements, professionals are seeking more permanent home office solutions.

Home additions are a possibility for homeowners who need more usable square footage, but add-ons may not be the right option for everyone. If adding on won’t work, homeowners may want to look up ... at their attics.

Attics with ample space can make for ideal home offices, as they’re away from the hustle and bustle of a home’s

2. Access : Access is another aspect that must adhere to local safety guidelines. Many attics are accessible only through pulldown ladders, but that will have to change if homeowners repurpose their attic spaces. A staircase that complies with local laws will need to be installed, and contractors can work with homeowners to build that and estimate the cost. Homeowners who simply want to put desks in their attics without going with fullfledged conversions are urged to

adhere to local access requirements anyway, as they’re intended to ensure residents can safely escape attics in the case of a fire or another emergency.

3. Climate control: Attics are converted to provide residents with more livable space. Converted space is only livable if the climate within the attic can be controlled so it’s cool in the summer and warm in the winter. An existing HVAC unit needs to efficiently heat and cool an extra room. If it can’t, bills might spike because the rest of the home likely won’t be as comfortable, forcing homeowners to adjust thermostats to offset that discomfort. That also could affect the unit’s life expectancy. Before going forward with an attic renovation, homeowners should contact HVAC professionals to determine if attic spaces can be serviced with the existing units and ductwork, or if an alternative arrangement must be worked out to make the spaces livable.

Attic conversions can be great ways to make existing spaces more livable. Homeowners considering such projects should pay attention to three important variables as they try to determine if attic conversions will work for them.

Budget-friendly ways to upgrade a landscape

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ing arrangements each spring. Planting perennials also is a great way to add color around the property without breaking the bank.

An inviting, well-tended landscape can add significant curb appeal to a home. Such a landscape also can serve as a point of pride and welcome homeowners each evening as they arrive home from work.

Landscaping projects run the gamut from simple changes that can be accomplished on a weekend afternoon to more significant and costly undertakings that require the work of a professional. Budget-conscious homeowners may be looking for simpler projects, and the following are some less costly ways to upgrade a landscape.

Add a pop of color with planters. Awe-inspiring colors can make a landscape stand out from surrounding properties. Flowers, bushes and plants may be the first thing homeowners consider when trying to add color to their lawns, but planters can provide a more immediate way to give exterior grounds some color. Bold planters won’t lose their color in a matter of weeks like many flowers do, and homeowners can switch planters so the colors align with the season. For example, some pastel planters can evoke the spirit of spring, while orange planters can be filled with mums to give a landscape an autumnal feel.

Plant perennials around the property. Well-maintained perennials grow back each year, making them ideal for homeowners who don’t have the time or desire to map out new garden-

Upgrade walkways. Though it’s more expensive than adding planters and planting perennials, upgrading old and cracked walkways is a great way to give a property a whole new look. According to the renovation experts at HomeAdvisor, homeowners typically pay between $6 and $12 per square foot for new concrete walkway installation. Homeowners working on a budget can target spots where walkways have already cracked and fix those areas first before continuing the project piecemeal until all the old walkways have been replaced.

Plant to create privacy. Homeowners spent more time at home than ever before during the pandemic, and some might have grown tired of seeing what their neighbors are up to. Fencing might be the first solution homeowners consider when looking to make their landscapes more private. But new fencing installation can be expensive, costing homeowners between $1,667 and $4,075 on average, according to BobVila.com. A more costly and natural solution is to plant trees around the perimeter. Speak with a local landscaping professional, who can survey the property to see which trees might thrive and provide the privacy homeowners want.

Creating an inviting landscape doesn’t have to break the bank. Various small and relatively inexpensive projects can change the look and feel of a home’s exterior.

A new walkway is a small project that can still offer a significant upgrade over a home’s existing landscape.

Explaining easements, setbacks and CCRs

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Property setbacks as well as easements and conditions, covenants and restrictions (CCRs) must be considered before renovating an existing home or building a new one. Setbacks are mandated buffers between surveyed property lines and permanent structures. Easements are legal designations that enable individuals or entities to use portions of a person’s property for physical access or to build on it for one reason or another. Easements may be owned by utility companies for gas lines or government agencies when sidewalks are on a private property. Additional examples of easements include greenbelt conservation easements, beach easements or view easements, according to The Spruce,

a home and lifestyle resource. CCRs include rules established by many planned communities, subdivisions and planned unit developments. CCRs, easements and property setbacks can affect which type of renovations are allowed on particular plots and may affect the issuance of permits. It’s essential to learn about property easements, CCRs and setbacks in advance and discuss them with contractors when drawing up preliminary plans. Your property deed or plat map as well as the local building inspection offices can highlight any regulations that may be in effect on your property and if they may affect future projects.

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Different ways to repair a driveway

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Asphalt driveways do not last forever. Over time, weather and general usage can degrade the driveway surface, resulting in cracks, pitting and more. Ultraviolet rays, salt and automotive fluids also can affect the appearance and functionality of a driveway. An unsightly driveway can adversely affect curb appeal and resale potential.

Homeowners have to consider various factors when it comes to repairing driveways. They may have the option of getting the driveway resurfaced, resealed or repaved, and each project is unique.

Resurfacing

According to the home improvement price comparison site Kompare It, resurfacing is simpler and faster than installing a new asphalt driveway. With resurfacing, any cracks are filled in to create an even base. Then a new layer of asphalt is applied over the existing one. That new layer can range in thickness from 1.5 to 3 inches. A heavy rolling machine will then smooth and flatten the layers together. If the driveway has minor pitting or cracking, then resurfacing can be a cost-effective strategy, as it may be a $3,000 to $6,000 job as opposed to $5,000 to $10,000 with repaving.

Resealing

Resealing a driveway, also called sealcoating, is

another repair strategy. HGTV says resealing can be a do-it-yourself project. Resealing helps the driveway last longer.

The driveway needs to be clean and dry, with holes and cracks filled prior to sealcoating. Start at the far edge of the driveway and seal that area by “cuttingin” by hand for a neat edge. Afterward the rest of the driveway can be sealed using a squeegee or broom. This project can be completed within two or three days if no precipitation is forecast.

Repaving

A project best left to professionals, repaving typically involves the removal of an existing driveway and the installation of a new one. The sub-grade layer is essential in the process for a smooth look. Contractors also will assess soil and grading when doing work. The construction blog Main Infrastructure says the new asphalt driveway can vary in thickness between 2 and 6 inches, depending on budget and need. The contractor also can advise if full-depth asphalt application or an aggregate base is practical.

Assessing the condition of driveway can give homeowners a better idea about which type of repair project best suits their property.

Did you know?

Certain home improvement projects are more complex than others. Projects that involve working with gas lines are among the most complicated and risky undertakings, and even seasoned do-it-yourselfers are urged to leave such tasks to certified professionals. According to Angi, the average cost to move a gas line is between $15 and $25 per linear foot, and homeowners can expect to pay an additional $1 to $10 per linear foot for pipe materials. A natural gas plumber can install, extend and repair natural gas lines and ensure that the project is completed safely, on time and within homeowners’ budgets. Angi notes that the average cost to move a gas line is between $250 and $750 for the whole project. However, if a buried line must be excavated, that cost could run into the thousands of dollars.

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Signs a roof needs repair or replacement

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Many homeowners believe a roof is a once-in-a-lifetime investment. But roof damage can force homeowners to replace a roof regardless of how much time has lapsed since the roof was installed.

The average life span of a roof depends on when the roof was installed and the materials it is made from. According to Central Homes Roofing, three-tab shingles may last between 10 and 15 years, architectural shingles can endure for 15 to 20 years, and tile may last between 35 and 50 years. RPS Metal Roofing indicates a metal roof may last as long as 70 years. However, climate and color of the roof also will affect its longevity.

Homeowners would be wise to consider these factors when determining if a roof is in need of repairs or replacement.

• Roof age: The age of the roof is a major factor in determining if it will need to be replaced or if repairs can be made to isolated damage. Individuals who live in neighborhoods where neighbors are now replacing roofs will likely find it is time to consult a roofing company. Homeowners also can check to see if they have any receipts that indicate the roof’s installation date so they have an idea about its age.

• Grain in gutters: Roofing shingles are designed to overlap, and sealant keeps them steady. Friction, weather and atmospheric changes can impact sealant and cause degradation. Gutters with grainy material in them could indicate worn out sealant and shingles.

• Ridge damage: Ridges are spots where two separate areas meet and often are important to the structural integrity of the roof. If the roof ridge is showing signs of wear, it could be time to repair or replace it.

• Curled shingle edges: If shingle tabs are curled or cupped, the shingles may need to be replaced. But if curling is extensive, a whole new roof may need

Architectural shingles can endure for 15 to 20 years.

Tile may last between 35 and 50 years.

RPS Metal Roofing indicates a metal roof may last as long as 70 years

to be installed.

• Bald spots or lost portions of the roof: Missing granules and missing shingles are reasons to consult a pro for a roof evaluation.

• Leaks indoors: Homeowners who find dark streaks or moisture in the attic may discover that water is penetrating the roof underlay. Water often comes in around chimney flashing. Other water signs are blistering and bubbling in walls.

• Incoming light: Look up through the attic and see if any light is coming through the roof, which may indicate there are cracks or holes in the roof.

• Aesthetics: If a homeowner doesn’t like the look of the roof from a design standpoint, a replacement also may be warranted.

Roofs can last many years, but the presence of certain signs indicates replacement or repairs will be necessary.

Tips for negotiating with contractors

the same job — and be sure to let each contractor know that you are soliciting multiple bids. This alone may entice a specific contractor to give you his or her best offer up front. Avoid simply choosing the lowest bid. Look at quality of work, reputation and reviews. If you like a costly contractor more than another, see if that contractor is willing to match a lower bid to win the job.

Pick the right season

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Spring is the season for fixing up a home. Homeowners who aren’t interested in doing the work themselves turn to contractors to ensure the job is done not only to code, but on time and efficiently.

After receiving an initial estimate from a contractor, homeowners may wonder if there is any additional wiggle room in contractors’ costs.

Certain contractors are willing to negotiate while others are firm in their prices. However, learning the basics of negotiation can put homeowners in position to save money on dream renovations.

Do your homework

Getting the best price typically requires shopping around and not settling on the first bid. Experts recommend getting at least three estimates on

As with other industries, home renovation work heats up during certain seasons or times of year. General contractors may be more willing to negotiate for a lower price depending on when their busy season may be. Jobs may slow down in winter, for example.

Talk about supplies

Even after getting a good bid, you may be able to speak with your contractor about lowering costs even more by choosing less costly supplies. Find

out if contractors can source materials from a low-cost supplier. In addition, discuss if you can purchase your own supplies.

Ask to do a portion

Be honest with the contractor about your budget and figure out if there is any way for you to do some of the work to lower costs. The contractor can give you jobs that are within your abilities, which can shave dollars off the final price.

Know your rights and laws

Understand the laws governing contract language in your state or province. Contracts should also spell out the change order process so that expectations of changes and costs will be known in advance.

These are just some of the tactics homeowners can use when negotiating the price of home remodels or improvements.

How to cut costs on home renovations

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Do you still have an avocado green kitchen? Is your living room dank and dark? Perhaps there is only one bathroom for a family of six? Answering yes to any of these questions could serve as the catalyst for a home renovation project.

Home improvement projects come in all shapes and sizes — some with huge budgets and others that are more costconscious. Regardless of what homeowners hope to achieve with their renovations, a common goal across any price point is a desire to save as much money as possible. Home renovations can be expensive, but there are ways to cut costs.

• Assess the merit of the project.

Remodeling magazine annually publishes a “Cost vs. Value Report” that lists the average cost and return on investment homeowners can expect of various types of projects. If you’re planning to sell your home soon, it may be best to focus on repairs and renovations that will generate the most substantial ROI.

• Hire a contractor. Even avid do-ityourselfers can sometimes benefit from a contractor’s expertise, particularly for complex tasks. Don’t waste money by trying tough jobs yourself; rely on an experienced contractor who can get supplies for less money and will do the job right the first time. Compare bids from several different contractors and figure out the best value.

• Refurbish existing features. Rather than a complete gut and rebuild, figure out where you can revitalize existing fixtures and more. For example, refinishing existing cabinets can save you up to 50 percent compared with the cost of new cabinetry, according to Angi (formerly Angie’s

List), a cost comparison and business review resource.

•Choose midgrade materials. Certain materials may be all the rage but they come with a higher price tag. Angi reports that granite counters could be $60 to $100 per square foot. However, a composite or laminate that looks like granite and wears well may be $10 to 40 per square foot. Figure out where you can choose middle-of-the-road materials for maximum value.

• Avoid peak seasons. You’ll pay more to install a deck or a pool right before the outdoor entertaining season. There also may be a premium to get work done right before a major holiday. Therefore, consult the calendar to find an off time for a renovation and book it then to save.

• Do some prep work. You might be able to save by doing some of the demolition and preparatory work yourself. For example, you can tear up old carpeting before the installation of new

tile floors. Perhaps you can mend and patch up walls before a paint job.

• Buy a display item. Former showroom kitchens and baths often are sourced at a fraction of their recommended retail prices, according to Real Homes, a home remodel guide based in the United Kingdom. Retailers often update their displays and you may score existing showroom items at a discount.

Renovations can be expensive, but there are many different ways to cut costs.