Palouse LIVING Your resource for buying, selling and enjoying your home on the Palouse.
July 2019
Inside: Why you need a hammock or hanging chair Palouse Living is an advertising supplement of the Lewiston Tribune and Moscow-Pullman Daily News
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2 | July 6, 2019 | Moscow-Pullman Daily News & Lewiston Tribune
Home is not just a place, it’s a feeling. Everyone has goals, but not always a plan to reach them. We can help you find home financing options to meet your needs, whether you’re: • Purchasing your first home • Looking to buy a second home • Interested in buying an investment property And, with our PriorityBuyerŽ preapproval, you can shop for your home with confidence.
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Information is accurate as of date of printing and is subject to change without notice. Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. Š 2016 Wells Fargo Bank, N.A. All rights reserved. NMLSR ID 399801. AS4770580 Expires 12/2019
<PdaTT] 6dXS^ Home Mortgage Consultant ?d[[\P] F0 (( %" >U RT) $ ( ""# "(&! maureen.guido@wellsfargo.com www.wfhm.com/maureen-guido NMLSR ID 418677
PALOUSE LIVING
Moscow-Pullman Daily News & Lewiston Tribune | July 6, 2019 | 3
Why you need a hammock or hanging chair S
Courtesy of Metro Editorial
unny days and warm weather beckon us to the great outdoors. A day spent in the pool or lounging around the patio is a great way to embrace the relaxing spirit of summer. But those who want to go the extra relaxing miles should consider adding a hammock or swinging chair to their backyard oasis. Hammocks and swinging chairs make great investments. Outdoor enthusiasts can take them on camping trips, and they’re equally at home right in the backyard. People on the fence about these symbols of relaxation can consider these benefits of hammocks or swinging chairs.
NAP COMFORTABLY OUTDOORS Who needs an excuse to catch up on missing sleep? If the time presents itself, the sun and the fresh air can induce a deep sense of relaxation. Lying on a hammock or oating in a hanging chair provides that additional soothing rocking motion that can make a cat nap even more enticing. USE IT INDOORS OR OUTDOORS Create a retreat in any corner of your yard or home. A hanging chair can be hung in the corner of a bedroom to provide a spot to curl up with a good book or rock a baby to sleep. The same chair can be brought to a covered deck or patio so people can swing with
ENJOY PALOUSE LIVING
IN PRINT: Palouse Living is published monthly, with 7,000 copies distributed in the Moscow-Pullman Daily News and Lewiston Tribune, and at participating advertiser locations. ONLINE: Check out the latest digital edition online at DNews.com — just click on the Special Sections tab. To advertise your business or service, contact Sally Imel at simel@lmtribune. com or call your local marketing consultant today!
the breeze when the weather allows. SUPER STARGAZING RETREAT Hammocks and swinging chairs can make it easier and more comfortable to stargaze at night. With a double hammock or chair, bring a romantic partner along to snuggle and watch the cosmos. Or teach children about the constellations in the night sky. BE INCONSPICUOUS AMONG NATURE Lying on the ground disturbs the lawn and other
outdoor components. Being suspended several inches above the ground in a chair or a hammock can help a person blend in with the natural environment. Birds, small animals and insects may not even know you’re there, and that can make them easier to observe. Everyone can appreciate the opportunity to sit back and relax. Hammocks and swinging chairs can help a person feel lighter than air and recharge in the warm summer air.
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4 | July 6, 2019 | Moscow-Pullman Daily News & Lewiston Tribune
perfect gathering spot. As autumn arrives, days become shorter. However, patios, porches and more can get extended use with lighting. Safeguard security: A welllit home may be less likely to Courtesy of Metro Editorial be targeted by burglars than one swathed in darkness and omeowners are shadows. Lights can remain increasingly realizing on all evening or be motionthe benets of improving triggered. Setting lights on the exteriors of their home, which can be just as valuable timers also ensures that the home is illuminated whether as improving the interior spaces. As individuals design residents are home or not. picturesque garden beds Create drama: Landscape and cultivate lavish lawns lighting designers can or revamp exteriors with establish focal points architectural features, they around the landscape and probably want to spotlight highlight the best features these improvements. This is of a property. Uplighting in where exterior lighting can trees, silhouetting techniques be put to great use. to showcase plants and spotlights to show off Exterior illumination architectural features are all can cast a glow on various features, but there are many options for homeowners to consider. other reasons to increase lighting around the exterior Add value: The experts of a home. at Parker Homescape, a landscape design service, say Safety: Trips and falls can that exterior lighting can occur at night when trying add roughly 30 percent to the to traverse walkways and value of a home. They also landscapes in the dark, as indicate that 50 percent of all it can be difcult to see home buyers say that outdoor rocks, stairs and uneven lighting is important when pavement. Outdoor lighting buying a home. If current can illuminate pathways, entryways and other areas for residents are thinking about safer access for homeowners selling, now may be the time to invest in exterior lighting. and their guests. Improving a home’s exterior Extend outdoor may be as simple as adding entertaining: Ample lighting more lighting to improve can increase the amount of functionality and beauty. time one can use outdoor spaces and make them the
Why homeowners should add more exterior light to their properties H
Beauty S IN STONE. SET
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Moscow-Pullman Daily News & Lewiston Tribune | July 6, 2019 | 5 is comfortable, and that no energy was needlessly wasted to make it so, when they arrive home at night. Reconsider how you use lower summertime energy bills Upgrade your thermostat. without sacricing comfort on Homeowners who don’t already your appliances. Bankrate. com notes that washing hot days and nights. have a smart thermostat can machines and dishwashers install one to help lower their Upgrade your insulation. consume the same amount energy costs. The Alliance People who own their homes can of water and energy whether to Save Energy notes that conduct an inspection of their these appliances are full or not. such thermostats can help homes’ insulation to see if it can Wait to use washing machines homeowners optimize their be upgraded. Direct Energy, which and dishwashers until you homes’ energy usage. Smart provides energy to more than thermostats allow homeowners have full loads. This provides four million home and business more bang for your buck. In customers across North America, to control the climate in their addition, hand-dry dishes and homes remotely while also recommends sealing any drafts hang clothes on a backyard showing homeowners their around windows or doors with clothesline to save even more weather stripping or spray foam. energy consumption in real energy. time. Smart thermostats can Sealing drafts can ensure cool show homeowners just how Energy costs tend to rise air stays inside the home on hot long it takes to cool a home, when summer hits full swing. days, potentially preventing But a few simple measures can homeowners from having to run allowing homeowners to keep their air conditioners help homeowners cut costs their air conditioners on full blast off while no one is home without sacrificing comfort. to keep their homes cool. but still ensuring the home
How to cut energy costs this summer S
Courtesy of Metro Editorial
ummer is a season of rest and relaxation. Warm air and abundant sunshine often inspire a laid back feeling that lasts until the leaves begin to fall off the trees in early autumn. But summer also can be hard on homeowners, particularly in regard to their monthly energy bills. As summer heats up, energy bills may rise right along with the mercury in the backyard thermometer. Warmer temperatures outside compel many people to rely more and more on their air conditioners, leading to a spike in energy bills. Fortunately, there are ways to
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Kathy Weber (509) 336-1515
Patty Gemberling (208) 669-2006
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Home inspections 101
WHAT DO INSPECTORS EXAMINE?
The ASHI notes that inspectors will examine the condition of Courtesy of Metro Editorial various parts of the home. The home inspection process can heating system, central air he process of buying a home help buyers during an exciting conditioning unit, interior plumbing can be unlike any experience yet potentially nerve-wracking and electrical systems, roof (though time in their lives. prospective buyers have ever inspectors will not climb onto the had. After nding a home they roof), attic and insulation will be WHAT IS A HOME examined. Inspectors also will like and coming to an agreement INSPECTION? examine walls, ceilings, oors, on a sale price with the seller, The American Society of windows, doors, the foundation of buyers can expect to add many Home Inspectors denes a home the home, basement (or crawl space), items to their to-do list. One of inspection as an objective visual and structural components. the rst things to jot down on examination of the physical that list is scheduling a home CAN A HOME FAIL structure and systems of a inspection. INSPECTION? house. Inspectors will conduct Home inspections are a vital Homes cannot fail home visual examinations from the inspections, which are just part of the home buying process. roof to the foundation of the Such inspections can protect home. Additional structures on assessments of a homeÕs existing condition. Municipal inspections are buyers as theyÕre on the cusp of the property, such as sheds or separate inspections conducted by making what will likely be the detached outdoor living areas, most signicant investment of are not typically included in the government agencies to verify that a property is in compliance with their lives. Understanding the examination.
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local codes. Home inspectors will provide detailed reports describing the condition of a home and indicate if any repairs are in order.
DO I REALLY NEED A HOME INSPECTION? A home inspection is a vital component that can help buyers make the most informed decision possible. Forgoing an inspection can leave buyers vulnerable to potentially costly repairs and issues with a home that might have been detected with a proper home inspection. In addition, some lenders insist that buyers have home inspections conducted before they will allow them to borrow money. Home inspections can protect home buyers as they prepare to make the most signicant nancial investment of their lives. More information about inspections can be found at www.homeinspector.org.
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3 factors to consider when choosing a mortgage lender A
Courtesy of Metro Editorial
home is the most signicant purchase many people will ever make. Perhaps because of that, many buyers, particularly those purchasing a home for the rst time, are understandably nervous about the home-buying process. The decision regarding which home to buy warrants ample consideration, but so, too, does the buyers’ choice of lender. Mortgage lenders can be found all over the internet, and the sheer volume of lender options can make it hard for home buyers to nd the right t for them. Couple that with lending-related terminology that many rst-time buyers may be unfamiliar with, and it’s easy to see why prospective homeowners can feel overwhelmed about the process of borrowing money to buy their homes. When looking for a mortgage lender, prospective homeowners should never forget that the choice of lender is, in most cases, entirely theirs to make. When making that decision, a host of variables should be considered. The following are three such factors that, upon
ample consideration, may help buyers rest easy knowing they did their due diligence when looking for lenders. 1. REPUTATION/ RECOMMENDATION Just like other businesses, lenders have reputations, and oftentimes those reputations can be determined via some simple online research. Peruse online reviews to determine what past buyers felt about a given lender. If possible, ask friends, family or colleagues who they worked with to secure a mortgage. 2. FEES Fees vary from lender to lender. Fees should not be mistaken for interest rates, which change daily and are typically dictated by the nancial industry and prospective buyers’ credit history and nancial standing. When speaking with potential lenders, ask for a rundown of their fees, and the services those fees include, and closing cost estimates in writing, then compare and contrast fees and costs of various lenders before making a nal decision. Some lenders may charge considerably more in fees than others, so buyers should put
in the effort necessary to comparison shop. 3. PERSONAL INTERACTION Buyers, especially those who have never before purchased a home, will likely have lots of questions. This is where personal interaction with a prospective lender should be noted. Securing nancing for a home purchase can sometimes seem like an
impersonal process, but it doesn’t have to be, and many lenders are happy to answer buyers’ questions. Lenders who answer questions quickly and clearly can make buyers more comfortable about the home buying process. Buyers may want to avoid lenders who seem evasive or unwilling to answer questions in writing.
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Our REALTORSÂŽ can sell your house, find a new one, and find lenders to help you buy that dream home. Go with a full service real estate company. Go with Coldwell Banker Tomlinson. 217 S. Main St., Moscow ID (208) 882-0800 www.cbtmoscow.com
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