Premium Properties - February 2017 by Mena Newspapers, Inc.

EEOne FTRake

February 2017

Premium Properties

6 Lousy Habits to Ditch Now If You Hope to Buy a Home in 2017 to buy that 60-inch, 3-D smart TV on your credit card, and vow to only use your plastic for purchases you intend to pay in full at the next billing cycle,” Supplee advises. Lousy habit No. 2: Making credit card payments late, or not at all Running up debt on your cards is a terrible idea, but so are late or missing payments. “There are a lot of consumers who think it’s no big deal to miss a credit card payment, and I cannot stress enough how incorrect this is,” saysSacha Ferrandi, founder of Source Capital Funding, in San Diego. “Every missed credit card payment impacts your score.” When it comes time to obtain a mortgage, a lower credit score translates into a more expensive loan and, in some cases, could cause your mortgage application to be denied altogether. Lousy habit No. 3: Opening credit cards left and right Everywhere you look, there are cool perks and freebies offered if you open a credit card. What’s the harm in taking them up? Opening multiple cards—even if you don’t use them much—can signal a large spending appetite and ding your credit score. So try to open just a few cards you’ll use regularly and steer clear of any one-time offers at specific stores you don’t frequent often. Even if you don’t use the cards, the fact that you opened them will be recorded and count against you.

Lousy habit No. 4: Neglecting student loan payments It’s important to keep up with your loan payments, even on student loans, whose terms are otherwise more forgiving than other types of loans. New York agent Ali Jafri with Compass once worked with a couple who went into contract after beating out several other bidders for the apartment of their dreams. But the husband’s spotty record of student loan payments killed any hope of a decent interest rate, putting the property just outside the realm of affordability. Although they tried to renegotiate the price, the sellers wouldn’t budge, and the would-be buyers lost the apartment. Take this cautionary tale to heart, and make all your payments on time. Lousy habit No. 5: Keeping a near-zero bank balance Let’s face it, stuff happens—your car needs new brake pads, your beloved cat needs chemo—and these things cost money. Lots of money! So having a financial cushion for these moments will help you avoid running up your credit

card debt in the event of an emergency. Plus, think about it: When you’re a renter, your housing costs are largely stable. They’re typically only your rent payment and utilities, because your landlord takes care of all property maintenance, updates, and repairs. But “homeowners need a much, much larger fund—as in, a fund in the four digits,” says Supplee. But if disaster doesn’t strike, all that money can go toward a down payment on a home. Lousy habit No. 6: Job-hopping Been offered a new job or thinking of quitting the 9-to-5 grind to free-

lance? Think twice before you jump ship if you are planning to buy a home soon, advises Alexandra Axsen, managing broker of Lake Okanagan Realty in Kelowna, British Columbia. “If you switch jobs, you will go through a probation period and will likely not be able to obtain a mortgage,” she

says, adding that the one exception is a promotion or intercompany transfer. Steady employment translates to stability, which puts a lender’s mind at ease. Cathie Ericson is a journalist who writes about real estate, finance, and health. She lives in Portland, OR. Follow @ CathieEricson

24 Hr Emergency Service Industrial • Commercial Residential • Backhoe FIVE “J” ELECTRIC, INC. Generac Generator CONTRACTORS Dealer ELECTRICAL

479-394-3419

Serving Arkansas & Oklahoma New Owners Robby & Sonja Birtcher fivejelectric@sbcglobal.net

The Loft At the Old Bank Historic Downtown Loft Vacation Rental Enjoy all the comforts of home, in the heart of downtown Mena.

4406v

By Cathie Ericson It’s time for our endof-year new resolutions series to set its sights on home buyers. This installment: bad habits to break if you’re eager to snag the house of your dreams! Usually we decide to stop our bad habits when the day of reckoning arrives. We stop speeding after we get a ticket, jettison our midnight ice cream binges when the jeans don’t zip, ditch our crippling mime obsession when family members threaten to walk out the door. And yeah, the same impulses hold true for home buying as well. Unfortunately, many prospective home buyers don’t realize they should have put the brakes on certain self-defeating behaviors long ago. To help clue you in, here are six habits that home buyers should ditch pronto. Lousy habit No. 1: Leaning hard on credit cards It’s no secret that a “buy now, pay later” attitude can lead to getting in over your head financially. “Credit cards can be addictive, and overuse can lead to poor decisions that adversely affect your ability to buy a home,” says Realtor® Denise Supplee with Long & Foster Real Estate in Doylestown, PA. Typically, consumers should use no more than 30% of their available credit; consistently exceeding that amount can ding your credit score, making it harder to qualify for a mortgage. “Forgo the temptation

812 Mena St. • Mena, AR 479-385-5067 or 409- 789-2669

GENERAC

MADE TO LAST GUARDIAN® SERIES

7 KW - 150 KW Residential Standby Generators INCLUDES:

Natural Gas, Diesel or LP Gas Operation

5 Year Limited Warranty

Premium Properties

February 2017

How to Buy a Home With No Money Down (You Really Can!) vice president of mortgage lending at Navy Federal Credit Union. Given these perks, a VA loan is often your best mortgage option—if you qualify. “Requirements are fairly stringent,” says Miller. VA lenders are typically looking for a credit score of 620, and every VA purchase loan requires aspecial appraisal, which includes the valuation of the property and a close check of the home’s condition. Consequently, some homes are not eligible, although plenty are—it just means you may have to choose wisely. Navy Federal loan Speaking of credit unions and the military, the Navy Federal Credit Union offers 100% financing (read: no money down) to qualified members. Eligibility is restricted to members of the Department of Defense and Coast Guard active-duty, civilian, and contractor personnel and their families. As you might have noticed, a Navy Federal mortgage is almost identical to a VA loan; the main difference is that Navy loans have slightly higher interest rates. Down payment assis-

tance Depending on your credit score and income, you could qualify for one of over 2,200 down-payment assistance programs nationwide, which help out home buyers with l o w - i n t e rest loans, grants, and tax credits. AsJonathan Smoke, chief economist of realtor.com®, explained, “Consumers do not know about these programs, and those that do assume it’s more difficult to get than it is.” Granted, you may still need some money for a down payment, but much less than you’d think: Home buyers who use down-payment assistance programs save an average of $5,965 upfront at the down payment stage, and $11,801 in monthly house payments over the life of the loan. To find down-payment assistance programs, you can search by checking

your state on the Department of Housing and Urban Development website or using Bank of America’s recently launched database of local programs. Bottom line: No one should write off their dreams of homeownership purely because they can’t fathom coming up with a down payment.

Hooper Home Inspections (479)243-5581 Buddy Hooper HI-1830

1308 MAGNOLIA AVE hello@hooperhomeinspections.com MENA, AR 71953 hooperhomeinspections.com

3985v

able for most towns, so 97% of the U.S. is covered. So don’t write it off until you check whether the area you’re eyeing (or something nearby) qualifies at USDA.gov. USDA loans also go to those who qualify as having low or moderate income. But there’s a whole lot of wiggle room in the words “moderate income,” too. In areas near San Francisco (yes, USDA loans are offered there), an individual making $141,000 is considered “moderate income.” Credit unions Credit unions—nonprofit banking cooperatives—often offer mortgages to members requiring a low or no down payment. To qualify, you’ll typically need to have a good credit score and earn less than 80% of the area’s median income, but those requirements can really run the gamut. Case in point: Recently, the San Francisco Federal Credit Union offered 100% financing on homes worth up to $2 million to borrowers whose incomes could be as high as $219,000 per year. VA loan The U.S. Department of Veterans Affairs’ loan program, which began with the creation of the GI Bill of 1944, gives active or retired military— or a veteran’s surviving spouse—the opportunity to purchase a home with no money down. VA loans also offer attractive interest rates, because they’re not based on a borrower’s credit score, says Katie Miller,

2000L

By Daniel Bortz Drumming up money for a down payment on a home can feel like a lost cause: After you’ve shelled out money for rent, gas, groceries, and other expenses, you might have little or nothing left over. Which may have you fantasizing: Is there some secret out there, somewhere, that could show you how to buy a home with no money down? Believe it or not, it’s not just a pipe dream. First, some background: Home buyers who apply for a mortgage are typically advised to put down at least 20% of the price of the home. With the national median home price hovering around $240,900, that ends up being $48,180. Ouch! Yet an overwhelming 69% of Americans have less than $1,000 in savings, according to a recent survey by GOBankingRates.com. To these people, buying a home may seem woefully out of reach. But the good news is that there are absolutely legitimate ways to put down much less, or even nothing at all. Here are some options to consider. USDA loans In an effort to fill underpopulated areas of the U.S., the U.S. Department of Agriculture’s Rural Development office provides mortgages with down payments as low as 0%. The catch? These loans are offered only in towns with populations of 10,000 or less. Still, 10,000 is quite siz-

There’s always hope, so don’t write your options off until you check into them. Who knows? You might end up pleasantly surprised. Daniel Bortz is a Realtor in Maryland, Virginia, and Washington, DC, who has written for Money magazine, Entrepreneur magazine, CNNMoney, and more.

Locally owned and managed since 1934 with innovative financial products to meet your needs. We welcome the opportunity to serve you. Stop by any of our 3 convenient locations: MENA • HATFIELD • WICKES

479-394-2211

www.unionbankofmena.com

February 2017

Premium Properties

These 8 Emerging Design Trends

By Jamie Wiebe With the start of 2017, we’ve said farewell to some tired interior decor trends that have worn out their welcome.

Once considered innovative and edgy, those bad boys are now giving us the blahs. But, when one trend goes out, another must

come in. It’s the design circle of life! So what’s replacing the old fads with fun, new ideas? Your friends will fawn over these eight

trends—from “jungalows” to jewel tones— that promise to hit it big in 2017. Want to be a showoff (the good kind)? Be the first to integrate

1. Geometric patterns Say goodbye to soft, gentle curves—funky geometric patterns will rule the roost in 2017. Embrace your memories of high school math with geometric throw pillows, wallpaper, and quirky planters. “Large, mod geometric designs made an appearance in 2016 and will be a front-runner in 2017,” says Jeffrey Weldler, an interior decorating expert with Vant Panels. Scared this fun new style will feel out of place in your oldschool home? Don’t be. “Don’t feel like your home needs to have all modern design in order to add geometric patterns,” Weldler says. “Geometrics even have a place in an industrial farmhouse–style home.”

3. Cork It’s 2017. Isn’t it time to fully embrace our eco-friendly side? Cork walls are “not only trendy, but also functional,” says Than Merrill, a real estate investor with FortuneBuilders. Swap out your old chalkboard wall for cork, and pick up some fun pushpins (try fabric, flowers, or even teeny rabbits). Keep track of to-do lists, notes, reminders, and your favorite recipes on your cork board (aka the original Pinterest). Not sure where

to put a cork in it? Merrill recommends “livening up dead space” in a home office or kitchen.

them into your home. (For a chance to win $20,000 to spend on the home of your dreams, enter the realtor.com® Entryway to $20K sweep-

stakes atrealtor.com/entryway20k. No purchase necessary; see official rules.)

2. Jewel tones Last year welcomed the bold return of art deco–inspired designs, and with them come luxurious jewel tones. Indulge your regal side with rich emerald chairs, bold sapphire walls, and amethyst accents. “These colors offer depth and a richness that will make a space feel cozy, yet luxurious,” says designer Liz Toombs. Pair the designs with neutral, minimal wall colors for a toned-down take on the trend, or go wild and slather your entire living space in vivid color.

4. Tropical influences It’s the year of the “jungalow.” Your new, jewel-toned walls will look fabulous alongside lush tropical plants: spider plants, Dracaena, and gorgeous ferns. Cursed with the blackest of thumbs? You can still embrace the tropical trend, which “mixes printed and embellished textiles ranging from novelty fruits to animal print to palm fronds,” says textile designer Caroline Cecil. Add accents in bright yellows, deep greens, and earthy oranges and reds to bring this creative look home.

Premium Properties

February 2017

Will Be All the Rage in 2017 5. Rich blues Pantone’s Color of the Year might be an interesting yellow-green, but itsspring trend forecast is “all about the blues,” says Weldler. Dressing your home in shades of sky—from sapphire (another one of those glorious jewel tones) to teals and soft baby blues—has never been so fashionable. Whether you want to express confidence and strength or calm down after a long day at work, there’s a blue tone perfect for your space. And when those tones are mixed together, it’s the ultimate in relaxation.

6. Wood accents We’re moving away from metal and back to an earthier feel. Wood accents will be everywhere in 2017, says Erika Dalager of home design startup roOomy. No, we’re not talking about wood paneling (although that’s sneaking its way back, too). Look for modern wood clocks, sculptures, trays, andfurniture that pair perfectly with today’s streamlined aesthetic. And yes, a lot of that wood will be reclaimed—so we can keep our wonderful forests.

8. Bold front doors Say adios to plain old black. Get rid of that sad, boring straight-fromthe-store wood. If you’re eager to try something bold in 2017, try painting your front door. “Next year, homeowners should focus on transforming their front door into one that pops,” Merrill says. Try one of those bold blues, or maybe a bright red. Or figure out what you want your door to say about you, and pick a color accordingly. “An entryway is the perfect place for a homeowner to express him or herself and show off his or her unique personal style,” Merrill says. “If the interior of your home screams ‘cozy beach cottage,’ find a front door that matches the atmosphere.” And if you hate it? Don’t worry: You can always paint again. Jamie Wiebe writes about home design and real estate for realtor.com. She has previously written for House Beautiful, Elle Decor, Real Simple, Veranda, and more. Follow @jamiewiebe

Assisted Living - A Place to Call Home

Immediate Openings Available At our assisted living community, residents enjoy meals, a beautiful, convenient apartment, maintenance-free living, and countless ways to fill their calendar every day. Come in for a tour to experience the great life at The Oaks at Mena. To set up a tour give us a call or come by for a visit. 1341 Mena Street • Mena, AR 71953

4531V

7. Black stainless steel Remodeling your kitchen in 2017? Now’s your chance to get ahead of a trend. Stainless-steel appliances have ruled the kitchen for years now. And why not? They’re sleek, easy to clean, and pretty. But it’s time for a change. “Black stainless steel is sleek, modern, and sophisticated,” says Weldler. And even better: It’s not in all of your friends’ kitchens. “Brushed stainless steel had its time, and now people are looking for a subtle change.”

The Oaks at Mena is committed to providing personalized care that exceeds the expectations of our residents. Quality care is provided by our staff of respectful and compassionate team members.

479-243-0033

February 2017

Premium Properties

NAR finds real and imaginary barriers holding back prospective homebuyers However, despite these positive feelings, optimism about it being a good time to buy diminished among non-owners. The percent share who believed it was a good time to buy declined from 63 percent in the first quarter to 55 percent in the fourth quarter. The share of homeowners who thought it was a good time to buy also dipped as the year went on but hovered at a much higher rate of around 80 percent each quarter. Lawrence Yun, NAR chief economist, says the desire to own a home and the ability to do so are not on the same wavelengths for many households. “Nearly all non-homeowners said they want to own a home in the future (87 percent), but it’s evident that higher rents and home prices — up 41 percent in the past five years — along with limited entry-level supply and repaying student debt have combined to make buying a challenging goal,” he said. “It’s also little surprise that non-owners in the West — where price

MENA TITLE COMPANY, INC.

“ON THE COURTHOUSE SQUARE” SERVING POLK COUNTY SINCE 1899 LET US HANDLE YOUR NEXT CLOSING, TITLE INSURANCE, OR CONTRACT ADMINISTRARTION. 301 DeQueen St. (478)394-5264, ext. 307 Mena, Arkansas 71953 Fax: 394-5258 Email: jeremy@menatitlecompanyinc.com 3982v

2211A

Jeremy D. Thornton, President

appreciation has been the strongest — were the least optimistic about buying.” Affordability and student debt presenting an uphill climb Being unable to afford to buy a home was the number one reason non-owners cited as to why they don’t own. For the entire year, over half of non-owners indicated they could not afford to buy, while roughly onefifth of respondents said they needed the flexibility of renting. It’s also apparent from NAR’s analysis that carrying student debt is causing many non-owners to delay purchasing a home. Of the 39 percent of non-owners in the second quarter survey who said they have student debt, a majority indicated they are not very or not at all comfortable taking on a mortgage (59 percent). Yun says these findings align with a separate NAR study from last year that revealed that nearly three-quarters of non-homeowners who are employed and repaying their student loans on

time believe their debt is stymieing their ability to purchase a home, with slightly over half of borrowers expecting to be delayed by five or more years. “In addition to having to postpone important milestones such as getting married and starting a family, many young adults are financially falling behind previous generations in part because of having to prioritize repaying their sizeable student loans over buying a home and saving for retirement,” said Yun. Unrealistic expectations about down payments muddle views about getting a mortgage Apparent confusion about down payment requirements may also be behind non-owners’ lagging confidence about buying. NAR’s Profile of Home Buyers and Sellers has shown that the median down payment for first-time buyers has been 6 percent for three straight years and 14 percent for repeat buyers in three of the past four years. However, when

DUGAN RESIDENTIAL & COMMERCIAL LAWN CARE LANDSCAPING PROPERTY MANAGEMENT

479-394-2699

asked about the amount of a down payment needed to purchase a home, a remarkable 87 percent of non-owners indicated that a down payment of 10 percent or more is necessary. “Current non-owners’ ultimate goal of owning a home may not be as farfetched as they believe,” said NAR President William E. Brown, a Realtor® from Alamo, California. “There are mortgage options available for creditworthy borrowers with manageable levels of debt and smaller down payments. Those interested in buying their first home in 2017 should review their finances, sit down with a lender to see if they qualify for a mortgage and find a Realtor® to help them get started

on their home search.” About NAR’s HOME survey In each quarter of 2016, a sample of U.S. households was surveyed via random-digit dial, including half via cell phones and the other half via landlines. The survey was conducted by an established survey research firm, TechnoMetrica Market Intelligence. A total of 11,035 household responses are represented. The National Association of Realtors®, “The Voice for Real Estate,” is America’s largest trade association, representing more than 1.2 million members involved in all aspects of the residential and commercial real estate industries.

2022L

WASHINGTON (February 1, 2017) — Existing-home sales increased 3.8 percent to a 10-year high in 20161, but affordability pressures, student debt and possible confusion about down payment requirements prevented many aspiring homeowners from reaching the market, according to recent consumer insight from the National Association of Realtors®. NAR’s Aspiring Home Buyer Profile analyzed 2016 quarterly survey data from its Housing Opportunities and Market Experience (HOME) survey2 to capture movements in the housing expectations and sentiment of homeowners and non-homeowners — both renters and those living with a family member. According to the findings, respondents last year maintained a favorable view about homeownership, with over 90 percent of homeowners and roughly eight out of 10 non-homeowners each quarter indicating that owning a home is part of their American Dream.

Montgomery County’s Most Active Real Estate Company Offering Homes, Farms, Acreage, Lots, River and Lake Properties

Using the Most Current Marketing Tools to Sell

Take “ACTION” on your real estate needs! 125 Hwy 270 East P.O. Box 540 Mount Ida, AR 71957

1-870-867-2000 www.actionrealtyar.com

Premium Properties

Vicki Agee Sales Associate 234-3626

Janet Corcoran Associate Broker 394-8541

February 2017

Norma Trammell Executive Broker 216-4313

Eudell Head Sales Associate 216-3544

Tiffany Lane, CRB Principal Broker/ Owner 4539V

1118 Highway 71 S. â&#x20AC;˘ Mena, AR 71953 (479)394-6500

Amanda Warrington Sales Associate 234-8114

www.century21perry.com â&#x20AC;˘ www.century21.com

8833 IMMACULATE HOME - large open spaces, executive appointments, large master suite w/new flooring, appliances, stainless steel refrigerator, pergola on the deck and the patio set. Vents under the house barometrically controlled! Storm shelter, outbuilding, carport and new paint in the 2-car garage. MLS#15030551 $186,500.

8924 TOP OF THE LINE PROPERTY in town with large, clear fish pond on 6 ac. Level lot, private pond. 3 br, 2 ba brick ranch with wood fireplace. Large shop/garage, good garden spot, 3stall motor home shed. MLS#16031581 $230,000.

8862 COX LAKE AREA Nice home in established neighborhood, 3 br, 2 ba, 1376 sf, original hardwood floors in living room, new windows. MLS#16004440 $68,000.

8905 CUTE AS A BUTTON! Located on a pristine corner lot in Mena. Washer, dryer and refrigerator stay. Ready to move into, extra landscaping, fenced, one car garage, and outbuilding. MLS#16024176. $62,500.

8869 OKLAHOMA - JUST OVER THE BORDER! - Many options available on this very well kept 2 br, 2 bath mobile home west of Hatfield. 2.8 park like acres with 3 sides timber company land. Use it as a primary residence, a weekend retreat or rental investment. MLS#16008364 $38,000.

8925 61 ACRES & HOME! Beautiful 61 ac farm featuring unique custom built, 1940 sq ft house, pastures fenced and cross fenced. Two ponds, two barns (with horse stalls and views). MLS#16031881 $265,000.

8888 VACATION RESORT!! All inventory stays, 2 storm shelters, 6 different rental properties, can accommodate up to 46 occupants throughout. 18+ ac, stocked pond. Livestock, furnishings and all appliances remain. Call for details! MLS#16016581 $600,000.

8926 GREAT DEAL! Such a cute home! 3 bedroom, 2 bath home in Mena! Great price! MLS#16032302 $69,900.

8891 GORG E O U S LANDSCAPING - Beautiful home on almost 2 ac in Mena City Limits. Corner lot with trees and small creek! Handicapped accessible. Kitchen has granite counters and a bay window. MLS#16018050 $119,900.

8918 BREEDER OPERATION - One 40 x 630 breeder house, a 3 br, 2 bath, 28x68 well-maintained mobile home, a solid 14x72, 3 bedroom, 1 1/2 bath mobile home on 50 acres with National Forest Boundaries, featuring a large stocked pond! MLS#16028419 $484,000.

8938 CONTEMPORARY BEAUTY Mountain views just outside the city limits! Custom tiled master bath w/jacuzzi tub w/inline heater, double sinks, tiled flooring details. Kit w/ custom cabinets, pull out trash cans, 30" ceramic glass cooktop, 30" self cleaning oven, stainless steel refrigerator stays. Zoned H/A, 2 heat pumps, Riannai tankless water heater. Pool house w/equip, 12x24 shop, 26x32 garage finished & insulated, 8x40 rear porch w/ceiling fans, 16x36 inground pool w/multi colored LED lights, seating area w/massage jets, auto vac. $269,900. 8939 FORECLOSURE SPECIAL - Lots of room for a small price, ready to move right in. Great kitchen with lots of cabinets. Property for sale on HUD www.homestore.com. HUD homes are sold AS IS. www.chronossolutions.com Case #031-376083 $35,000. 8940 IMAGINATION and a little work will reward you with a real dream house. 3 br, 2 bath home on a corner lot. Priced to sell quickly. Call today to see this gem!! $34,900. 8942 HOUSE AND GUEST HOUSE - 3.3 ac,view of the mountain range from the front porch. Beautiful log home, outbuildings, 3 bedroom, 1 bath, detached garage and shop. Separate little cottage, 1 br, 1 ba, separate utilities. Trees and pond on property. Country close to town! $79,900. 8943 LARGE LOT! This 1080 sq ft home is ready for your purchase and completion of renovation. Vinyl sided 1 1/2 story home on 1.42 acres, near Highway 71 South. Utilities at property, make it your fixer-upper today. $30,000.

Let One Of Our Professionals Show You The Beauty Of The Ouachitas!

February 2017

Premium Properties

How building permits protect homeowners

You are thinking of making a major renovation to your home. Perhaps it’s time to create that master bedroom suite you long have admired or install that wraparound porch? What is the first thing that should be done before getting down to business? The correct way to begin a home remodeling project is to obtain the necessary permits for the job. Many municipalities request individuals obtain permits for a range of work on homes or other structures, such as office buildings. Permits are generally required for all

new construction as well as specific modifications that will affect structural, plumbing, mechanical, and electrical systems. It’s important to check with the local building office prior to beginning work to see which permits you will need before the project can begin. Permits are necessary whether a homeowner is doing the work or hiring an outside contractor. Due to the cost and time involved with securing permits, some homeowners skip this step so they can begin a project promptly. However, this can end up being a cost-

ly mistake. Permits might seem like a nuisance, but they actually protect homeowners in various ways. Permits provide a blueprint by which contractors and do-it-yourselfers must complete renovations. Shortcuts often translate into subpar work that may lead to malfunction and injury in the long run. Safeguarding against poor workmanship means homeowners can feel confident in the work being done. As inspectors go through their checklists, they may notice things that were done incorrectly and will offer advice about how to mend the problem before it becomes a larger headache. If left unchecked, an electrical error could lead to a fire or another dangerous situation. Repairs that are not structurally sound may pose problems or deteriorate more quickly than structures that are constructed correctly. Furthermore, catching improper technique early on eliminates having to tear down and

redo work, which can be a costly and time-consuming endeavor. Sometimes work goes as planned even for homeowners who did not obtain the necessary permits. However,

years later, when other work needs to be done, inspectors may discover homeowners never secured proper permits and inspections years earlier, leading to fines. Permits are an import-

ant part of the home improvement process. Homeowners should not skirt the responsibility because the permit and inspection process is in place to provide protection to occupants.

How to fix that sticking door Nearly everyone has experienced a sticking door that just will not close properly. This problem may become more noticeable when temperatures rise and humidity contributes to the swelling of wood doors and frames. According to The Family Handyman, a home improvement resource, the standard remedy for alleviating a sticking door is to remove the door and pare down the edges that are rubbing so that the door will once again

swing freely. While this can solve the problem, it can be a hassle, as it requires refinishing the pared-down edge and rehanging the door. Try these shortcuts first before creating more work than might be necessary. • Identify the problem area and rub it with a dry bar of soap. This should reduce friction and allow the door to close more easily. • Remove humidity with a dehumidifier or by running an air conditioning unit.

• Check for loose hinges or sagging around the hinge. Tighten the fasteners to sure up the door and create better alignment. • Spray the hinges with lubricant if you suspect sticking is originating because of squeaky hinges. • Look for obstructions at the bottom of the door. Is the door dragging on carpeting or being caught on something on the floor? It may be a matter of simply clearing away the obstruction.

RICH MOUNTAIN ELECTRIC COOPERATIVE, INC. We look forward to serving your needs!

PRICE MOBILE HOMES

WE’RE HERE FOR YOU!

Proudly Serving Arkansas and Oklahoma for Over 46 years!

• Clayton • Sunshine Homes • Southern Energy Homes of Texas • Lexington Homes

4408V

THE PRICE IS RIGHT!

2200 Hwy 71 N. Mena, AR

479-394-4111

3983v

Your Local Energy Partner 515 Janssen • Mena, AR 71953 • (479) 394-4140

Premium Properties

February 2017

Color a new home décor with a fresh coat of paint Today’s paint products offer homeowners the flexibility to easily change the look and “feel” of a room — or a houseful of rooms, including walls, cabinets, furniture, accessories and trim items — by changing the color of a painted surface or adding paint to achieve a decorative effect. Woodcraft has all the paints and related accessories and supplies to “recolor” your home. Woodcraft introduced Black Dog Salvage Furniture Paint to its line of fine finishes in spring of 2016, giving customers a product developed specifically for use with furniture that is custom-built in the Black Dog Salvage shop, as well as accessories that might once have been part of an historic structure. Using Black Dog, a pure black, and Clean Canvas, a pure white, homeowners can create an unlimited number of shades that can be mixed using 13 additional colors with whimsical names like Caution: Dogs at Work (orange). The water-based ultra matte chalky finish interior paint is easy to use, self-leveling and low-VOC, and it covers in one coat. It can be used on finished and unfinished surfaces like furniture, woodwork, metal, glass and more and does not require priming. The companion Black Dog Salvage Guard Dog Topcoat Paint Protector is tough enough for floors and can be used for all types of indoor projects, such as cabinets, countertops, furniture, and decorative

items. Additional paint options General Finishes Milk Paint is a high-tech, water-based acrylic paint for interior and exterior use that is available in more than two dozen colors, ranging from Dark Chocolate to Tuscan Red. It is easy to apply, durable and simple to repair and can be mixed to create new colors or combined with General Finishes water-based glazes and stains to create custom paints and decorative effects such as distressing, antiquing and color washing. Rust-Oleum® Chalked Paint is a water-based, ultra-matte finish for interior applications that can be used alone as a simple covering paint or to achieve decorative effects such as distressing or dry brushing to give any project a one-of-akind look with a vintage feel. It applies easily with brush or roller; spraying is not recommended. If using an interior paint for exterior projects such as doors, shutters, or porches, an exterior topcoat will need to be added for protection from the elements. General Finishes Exterior 450 is fortified with UV absorbers to minimize fading and built-in mildewcides to help retard the growth of mold and fungus. Plus, Exterior 450 is fast, as it’s ready to sand in just one hour in ideal conditions. CrystaLac Exterior Finish is a water-based, flex-

ible, UV-stabilized, waterproof, clear topcoat for exterior furniture, doors and crafts. For best results, apply when temperature is between 60°F and 80°F. This paint dries to the touch in about 15 minutes, but wait two to four hours to recoat. Handy helpers for painting • Wagner Home Décor Paint Sprayer. This is a great first-step product for those new to HVLP spraying. It is easy to use and sprays milk paint, stains, sealers and lacquers. Check your paint manufacturer’s directions for use in sprayers. • The versatile Vika TwofoldTM is configured for use as a 21.7”-high

scaffold or a workbench that is 47.6” long X 18.7” deep X 31.8” high with a tool tray, drilling hole, protractor and ruler inscribed into the MDF work surface. • QuikBENCH™ Portable Workbench is a lightweight, easy-to-set-up portable workbench with a 30” x 24” work surface that is 32” high and capable of holding up to 300 lbs. Convert two QuikBENCHES™ to sawhorses, and together they can hold up to 2,000 lbs. • Painter’s Pyramids, New and Improved 10pack allows homeowners to paint, flip and paint without having to wait for the first side to dry. Pyramids now include tabs and slots on the bases

so they can be screwed down to make permanent finishing platforms or joined together to create more stable temporary applications. • Redtree Finishing Brushes feature beaver tail-style hardwood handles and hand-trimmed chisel edge bristles. • Unlike Microfiber Tack Clothes, regular

tack clothes do not work for finishing with water-based products. But a 12-pack of washable and reusable Microfiber Tack Cloths will work. To learn more about these and other products, visit your local Woodcraft store, call (800) 535-4482 or visit www.woodcraft. com.

Roberta Northcutt Branch Manager NMLS 137301

Home Financing Made Easy! 3544v

Conventional, FHA, VA & RD. (479) 394-2500

512 7th St • Mena, AR 71953

roberta@firstarkansasfinancial.com

February 2017

Premium Properties

How to make existing windows more energy efficient

Drafty windows make homes less comfortable by allowing cold air in during the winter and warm air in when temperatures rise. But comfort is not the only concern associated with leaky windows, as such fixtures also can have a negative impact on the environment. Leaky windows require heating and cooling systems to work harder to keep home interiors comfortable during times of the year when temperatures can be extreme. In the dead of winter, a leaky window will force a home’s inhabitants to turn up the thermostat, which only increases energy consumption and energy bills. The same scenario plays out in summer, when leaky windows allow hot air in, leading homeowners to lower the temperature of air conditioning units so everyone inside is cool and comfortable. Thankfully, making windows more energy efficient does not necessarily require homeowners to replace existing windows. Before going that potentially expensive route, homeowners can consider the following strategies to improve the energy efficiency of their windows. • Hang curtains. Curtains can help homeowners cut down on heating and cooling costs. According to the U.S. Department of Energy, properly hung draperies can reduce heat loss by as much as 25 percent. In the summer, curtains can block the hot rays from

the sun from entering a home, reducing the need to turn up air conditioning units. While curtains won’t fix leaks or block hot or cold air from entering a home, they can serve as a buffer between a home’s inhabitants and the air seeping in through leaks. • Caulk or add weatherstripping. Small cracks and gaps around windows, which are most often found around windows in older buildings, might not seem like a big deal, but such breaches can lead to considerable energy loss. The DOE recommends using caulk to seal cracks that are less than 1⁄4-inch wide on the parts of the window that do not move (i.e., frames and where the trim meets the wall). Caulk might be less effective at fixing leaks larger than 1⁄4 inch in width. Employ weatherstripping to address leaks on movable parts of the window. Properly applied weatherstripping should adequately seal windows when they are closed without making it difficult to open or close them later on. Weatherstripping is available in various materials, and homeowners can visit www.energy.gov/energysaver/ weatherstripping to find the material that’s most suitable for their situation. • Install windows films. Plastic window films are another option for homeowners looking to improve the energy efficiency of their windows. Heat shrink film can be cut to fit each individual

leaky window in a home and then attached to windows using double-sided tape. A hair dryer can then be used to shrink the film and remove any wrinkles. Low-emissivity,

or Low-E, coatings are a more expensive alternative to heat shrink film, and they can be equally effective at improving energy efficiency. Installation of Low-E coatings

can be more difficult, as they do not provide as much leeway for mistakes during application as heat shrink film. Leaky windows are bad for homeowners’ ener-

gy bills and the environment. But homeowners have options other than full window replacements to fix leaks and improve efficiency.

Tools of the home renovator’s trade Home renovation projects can be both exciting and tricky. Do-ityourselfers are inspired by designs showcased in magazines, websites and their own communities. When DIY enthusiasts see a design they like, it’s understandable that they may want to emulate these looks at home. Remodeling is one of the larger DIY undertakings, and it goes beyond simple carpentry. Considering demolition, reconstruction, electrical, plumbing, and masonry work may be part of the DIY package, homeowners who are thinking about renovations must first stock up on the tools and other supplies of the trade. Having the right tools can mean the difference between a job well done and a job that needs to be redone. • Crowbar or prybar: Before you can put in new construction, you might have to get your hands dirty with some demolition. Crowbars or prybars can be used to pry up wood slats,

remove nails or remove old decking. • Tool pouch: A tool and fastener pouch gives DIYers a place other than their pockets to store fasteners and hand tools. Pouches can be attached to tool belts for added storage capacity. • Stud finder: Invest in a more fool-proof method of locating studs behind drywall then knocking on the wall. Stud finders can provide a picture of studs, pipes and other hidden items inside an entire length of wall. This is essential to driving nails where they belong and can also prevent sending fasteners into wires or nearby plumbing. • Level: A level is an

essential tool for everyone from casual decorators to more involved renovators. Whether hanging pictures or ensuring molding is parallel, levels are must-have tools for DIYers. • Safety glasses: Invest in a pair of safety glasses so no one working on a project deals with obstructed vision. Safety glasses also provide ample eye protection. • Extension cords: If power tools are part of the renovation picture, extension cords can safely extend power where it is needed. Be sure to invest in a gauge that is large enough to handle the amperage of your most powerful tool.

• Measuring tape: The “measure twice, cut once” mantra is key to home improvements. To measure accurately each and every time, no tool chest is complete without a sturdy measuring tape. • Ladder varieties: Home improvements aren’t always at ground level. Purchase ladders of various heights so you can safely reach various areas of the home and avoid injury. Step stools, a step ladder and an extension ladder all have their purposes on the job. • Digital inspection scope: A scope lets you see inside walls, floors and ceilings to find the exact location of pipes, wires and joists. It also can be used to seek out the source of clogged drains or anywhere you desire sight into hard-to-maneuver areas. In addition to these tools, brooms, shopvacs, hammers, screwdrivers, wrenches and pliers can complete a DIYer’s basic toolbox.

Premium Properties

February 2017

4538V

Select Realty Bobbie Himel Owner / Principal Broker (479) 437-9348

It’s the sign of success! 2611 Hwy 71 S • Mena, AR 71953

Office: (479) 394-7676 • Fax: (479) 394-7677 • Toll Free: (877) 394-7676

Helping your dreams become a reality

Le-Ann Holmes Realtor/Owner (479) 234-7310

Jan Atchley

OSE, MA, ABR, CRS, GRI, CRB Executive Broker (479) 243-6475

Sandra Thomas Realtor (479) 234-3952

Misty Miller Administrator (479) 394-7676

Visit us online at www.menaselectrealty.com

Happy Valentine’s Day

# 1734 REDUCED! • 7 Bedrooms, 4 Baths! • 2200 sq ft & 29 Acres! • 2 RV park on 1 acre! • 12 sites w/ septic, city water & elect! • Rear House- 15 Bedroom, 10 full bath, 3 ½ Bath! • 2 large ponds! MLS # 16003045 $1,275,000

# 1839 REDUCED! • 3 Bedrooms, 3 baths! • 1692 sq ft. ! • Over sized family room or • In law quarters! • Brick accent wall and picture window! • Back yard has chain link fence! MLS# 16014944 $78,000

# 1846 THINKING ABOUT RETIREMENT? • 2 Bedrooms, 2 Bath! • 1264 sq ft. & 1 acre! • Open floor plan! • Fabulous full front porch! • Mountian views! MLS# 16020593 $65,000

#2008 INVESTMENT! • 3 Bedrooms , 3 Baths! • Three single houses! • Two have metals roofs! • Good & New carpet MLS# 16028862 $59,000

#2021 REDUCTION! • 4 Bedrooms, 3 Baths, ½ bath! • 2210 sq ft. & 0.45 acre! • Fresh paint, new windows & new flooring! • Large master suite! • Bay widow in kitchen! • 2 storage areas! MLS # 16035960 $139,000

# 2012 HOME WARRANY! • 3 Bedrooms, 3 Baths! • 2110 sq ft. & 27 Acres! • Includes termite policy! • 1 ½ LOG SIDED HOME! • 20X 40 metal building! • 40x51 shop, storage! • Storm cellar and pond! MLS# 16030640 $99,900

# 2022 FAMILY HOME! • 3 Bedrooms, 2 Baths! • 1584 sq ft. • New paint and carpet! • Separate dining/ kitchen! • New deck & lovely yard! MLS# 16036418 $69,900

# 2014 REDUCTION! • 3 Bedrooms, 2 Baths! • 2648 sq ft. & 20 acres! • Fenced acres with 2 ponds! • 17x34 in ground pool! • Horse Barn 2 huge shops! MLS # 16032889 $274,900

#2025 ROCK/CEDAR HOME! • 3 Bedrooms, 2 Baths, ½ bath! • 1951 sq ft. & 0.50 acre! • Fireplace with insert! • Loft over looks living room! • Guest house 2 bedrooms! MLS # 17001440 $89,000

February 2017

Expect the unexpected when renovating a home According to projections released in 2015 by Harvard University’s Joint Center for Housing Studies, a growing number of people in the United States planned to renovate their homes in 2016. The report estimated that spending on remodeling and repairs in 2016 would climb 8.6 percent to $310 billion, a figure that is close to the peak reached in 2006. While it is still too soon to tabulate all of the figures from 2016, a quick glance at the data indicates renovations have increased across the country. And one only need travel through communities to see a greater number of contractors and homeowners working on homes. Tackling any renovation project is an exercise in patience. Renovations can impede on daily ac-

tivities and cause a certain level of upheaval in homeowners’ lives. Homeowners planning renovations also may find that they must have some wiggle room when it comes to both their budgets and their expectations. Remodeling, particularly with regard to older homes, may unveil unforeseen issues that only arise in the face of the renovation. So what can homeowners expect during a renovation? The following are a few issues that might arise during home improvement projects. • Dirt and noise: Homeowners can count on dust, debris and noise throughout the renovation process. Dust appears when walls come down or go up, and construction teams typically erect temporary walls or tarps to contain the

debris. Air filtering systems also can limit dust particles. Noise is unavoidable. If it becomes troublesome, arrange to be outside of the home when the bulk of the construction is taking place. • Delays or schedule changes: Even the best contractors cannot control every aspect of the job. They rely on subcontractors and vendors to do portions of the work. Materials may not always arrive on time, or they may fall short of homeowners’ expectations. This can push back the project schedule. Homeowners should hope for everything to be done on time, but it can be less stressful if homeowners anticipate delays and be a pleasant surprise if there are no delays. • Hidden issues: Contractors may uncover all sorts of issues that need

to be addressed before a project can progress. Examples include the presence of asbestos (common in older homes), plumbing problems, incorrectly wired electrical systems, and leaks or moisture issues. These problems also can impact the cost of the project, so set aside some money in the budget for unforeseen expenses. Chances are you are going to need some extra money to handle a few surprises during the project. It’s important to expect the unexpected when embarking on home renovations. Budgeting for hidden costs, expecting delays and coping with the upheaval to daily schedules are par for the remodeling course. However, the end result is often well worth the time and effort.

Why Switching to LED Bulbs Makes a Difference It may seem like a small detail, but the way you light your home can have a big impact on the environment and your energy bills. Indeed, widespread use of light-emitting diode (LED) lighting has the greatest potential impact on energy savings in the United States, according to government findings. Using at least 75 percent less energy and lasting 25 times longer than incandescent lighting, residential LEDs, especially ENERGY STAR-rated products, can help you significantly reduce the cost of lighting your home. And this is truer than ever, as the price of

this technology has declined and the uses for it have expanded. Even LED decorative holiday lighting can be purchased these days, giving consumers more opportunities to light their homes and lives efficiently. Community efforts are helping to make sweeping change and brighten lives. For example, the Environmental Protection Agency’s “Change the World Tour,” is a national program designed to motivate consumers to purchase ENERGY STAR-certified LED bulbs that bring energy-efficient lighting to communities in need.

Leading the charge are forward-thinking companies, such as ProVia, a manufacturer of home renovation products, including energy-efficient entry doors, replacement windows, vinyl siding and manufactured stone. They have partnered with Thompson Creek Window and Fairfax County Public Schools to teach students the importance of changing to ENERGY STAR-certified LED light bulbs. ProVia is also donating LED light bulbs to Habitat for Humanity and encouraging their employees to get on board personally by making a commitment to purchase

ENERGY STAR-certified LED light bulbs. With these kinds of efforts taking place nationwide, LED adoption in local communities is expected to continue to rise. To learn more about the campaign, visit provia.com/change. Swapping out traditional bulbs for energy-efficient alternatives is a simple home project that requires no special skills or tools, just a commitment to lowering one’s carbon footprint. Take an afternoon to make this simple swap that promises to have a long-lasting and major impact.

Premium Properties

SEARCH FOR YOUR

DREAM

HOME!

• INFORMATIVE ARTICLES • LOCAL LISTINGS AVAILABLE ONLINE AT WWW.MENASTAR.COM FREE ISSUE

EVERY MONTH!

LOOK FOR THE BRIGHT GREEN STANDS!