Home Venture February 2021

February 2021

HOME VENTURE A Minot Daily News Publication

H TH OM E M EO Pa O F ge NT 3 H

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HOME VENTURE

FEBRUARY 2021

Quiltartistscreatetextiles toadmireorcozyupwith

By KIM COOK Associated Press

tucky. Their minimalist quilt designs (some available at the retailer Brooklinen ) reference landscapes, architecture and photographs Other quilters are melding the motifs of vintage fabrics with modern design. The retailer Garnet Hill’s Johanna quilt, for instance, features mini-floral printed circles laid out in a grid and sown onto a solid background. The Agnes quilt has a graphic block-print pattern in either vibrant red or soft gray, on a creamy white background.

And at Kiva Motnyk’s Thompson Street Studio in New York City, there’s a patchwork quilt fashioned from over 200 pieces in an array of blues, creams and whites. It calls to mind vintage ceramic tiles as well as traditional quilt squares. Her Sol cotton/linen quilt is a geometric abstract rendered in soft hues of berry, lavender and pink.

In this winter of hunkering down at home, there’s a trend that’s just right for the times: quilts as decor and as art.

An artistic quilt might be displayed prominently on a wall, thrown over a couch, or just folded and hung from the rungs of a ladder. (Or you could cozy up with it.)

“Quilts bring warmth, depth and texture to any room,” says Suzy Williams, a quilter and graphic designer in Oak Park, Illinois. She offers tutorials and patterns for quilt making on her website, Suzy Quilts.

“Step back to the far edges of a room and see a quilt’s geometric design and color patterns as a whole composition. Or stand inches away and observe the luxurious combinations of fabric, stitching, batting density and glorious handmade variation,” she says.

Contemporary artists have added new twists to the age-old DISPLAYING QUILTS craft.

Brooklyn-based quilt maker Caroline Z. Hurley offers a large “Designers are modernizing and refreshing the aesthetic,” ash wood quilt hanger. Clamp the edge of the textile between says Laura Preston, founder and designer at Vacilando Quilting two wooden straps, and an aluminum cleat attaches it to the Co. in Austin, Texas. Since she introduced wall quilts in 2018, wall. she says, they have become the company’s best sellers.

Vacilando’s wall quilts “Hanging a quilt on the wall or incorporating quilted items come with a wooden dowel into your home is a tactile alternative to tradiand hanging tabs. tional decor that can provide texture, softYou might want to ness, and even sound dampening,’’ mount your quilt on Preston says. something; Williams’ site Other uses of quilts in decor: “We’ve suggests materials like made quilted pillows, pouches, table runfoamcore or composite ners and even coats, and hope to continue board. experimenting and pushing the boundaries The Louise Gray of what a quilt can be,” she says. studio in Minneapolis MIXING OLD AND NEW offers two sizes of quilt hangers, small and Los Angeles-based artist Sabrina large. Choose hickory Gschwandtner has created a quilt series stitchor walnut wood, ing together 16 mm and 35 mm film strips and with black, brass or backlighting them with a lightbox to illuminate silver hardware. the patterns. She began the project, “Hands at The studio’s “little Work,” in 2009 when a friend gave her some film quilts” measure 3being cleared out of the Fashion Institute of Techby-4 feet. Designs nology’s Anthology Film Archives. are minimalist, and the One example from the collection will be on color palette is a soothing mix of hues view at Bentonville, Arkansas’ Crystal Bridges Mulike nutmeg, peach, heather, mango and yarrow. seum of Modern Art in February. Gschwandtner Mini quilts, or quilt fragments, can also be framed in shadow has other works at Los Angeles’ Shoshana Wayne boxes or sturdy picture frames; you’ll find DIY videos online.

Gallery.

New York interior designer Glenn Gissler, who frequently The project “uses film from every movie in my collection,” she says, and includes footage “of hands at work on many forms includes contemporary wall art in his projects, advises quilt owners to take care with the textiles. of craft, like dyeing, knitting, crocheting and quilting.”

“They need to be out of direct sun. Keeping air around them Another quilt artist, Colleen Clines, went to India while attending the Rhode Island School of Design; working with tex- would be a good idea,” he advises. And give them a gentle but tiles with women there inspired her to found the non-profit thorough shake now and then to remove dust.

Kim Cook writes frequently about homes and design for The Anchal Project with her sister Maggie. They now employ over 150 artisans in India as well as in their native Louisville, Ken- Associated Press. She blogs at www.kimcookhome.com.

HOME VENTURE

FEBRUARY 2021

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A rewarding escape, peacefully situated on 40 acres. Offering an array RI VOHHN ¿QLVKHV DQG IXOO RI ZHOO WKRXJKW RXW GHWDLOV DQG XSJUDGHV WKLV KRPH LV ZKHUH \RXU FRXQWU\ OLYLQJ GUHDPV ZLOO FRPH WUXH 7KH VWXQQLQJ NLWFKHQ ZLOO EH WKH KHDUW RI \RXU KRPH )HDWXULQJ FXVWRP HSR[\ FRXQWHUWRSV ODUJH LVODQG DGGLWLRQDO OLJKWLQJ DQG IDQWDVWLF VWDLQOHVV VWHHO DSSOLDQFHV WKLV ZLOO EH \RXU IDYRULWH SODFH WR EH 8SVWDLUV \RX ZLOO ¿QG D JUHDW OLYLQJ VSDFH ZLWK FXVWRP EXLOW LQV WKDW DUH SHUIHFW IRU ZRUNLQJ IURP KRPH RU OHDUQLQJ IURP KRPH $OO RI WKH ZRRGZRUN LQ WKH KRPH LV FXVWRP DQG WKH EHDXWLIXO GHWDLOV ZHUH DOO GRQH E\ WKH KDQGV RI WKH KRPHRZQHUV $OVR ORFDWHG RQ WKH VHFRQG ÀRRU LV WKH PDVWHU VXLWH 7KH PDVWHU EHGURRP LQFOXGHV D FXVWRP EXLOW LQ GUHVVHU DQG D KXJH ZDOO WR ZDOO FORVHW RIIHULQJ VR PXFK VWRUDJH VSDFH 7KH PDVWHU EDWKURRP KDV EHHQ GHVLJQHG WR EH WKH SHUIHFW SODFH WR UHVHW \RXUVHOI 5HOD[LQJ OLJKWLQJ DQG D MHWWHG WXE FRXOG EH D JUHDW ZD\ WR SXW \RXU IHHW XS DQG XQZLQG 7KH DWWDFKHG JDUDJH KDV VRXUFHV IRU KHDW SOXJ LQ DQG VXEVWDQWLDO FRXQWHU VSDFH DQG FXSERDUGV 2XWVLGH \RX ZLOO ¿QG PXOWLSOH RXWEXLOGLQJV SURYLGLQJ DPSOH VWRUDJH VSDFH 7KH SURSHUW\ DOVR IHDWXUHV D EDUQ ZLWK VWDOOV LQFOXGLQJ ZDWHU KRRN XSV JUDLQ WDFN VWRUDJH DUHD DQG D OHDQ WR IRU DGGLWLRQDO VKHOWHU RU VWRUDJH 7KH SDVWXUH DUHD LV IHQFHG DQG FURVV IHQFHG WR DOORZ IRU SDVWXUH URWDWLRQ VHSDUDWLRQ $ ODUJH SDWLR DUHD LQFOXGLQJ UDLVHG JDUGHQ EHGV WLHUHG ÀRZHU EHGV SHUHQQLDO SODQWV DQG D ¿UH SLW WUXO\ PD[LPL]HV WKH RXWGRRU OLYLQJ DUHD 7KH H[WHULRU FRYHULQJV RI WKH KRPH DUH DOO VWHHO PDNLQJ WKH KRPH YLUWXDOO\ PDLQWHQDQFH IUHH DQG WKH ODQGVFDSLQJ KDV EHHQ GHVLJQHG WR NHHS ODZQ PDLQWHQDQFH DV VLPSOH DV SRVVLEOH 'RQ¶W PLVV RXW RQ WKH FKDQFH WR VHH WKLV SURSHUW\ LQ SHUVRQ

MLS#210077 Call or text Danielle Delzer for a showing today!

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www.MinotHomes.com

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PAGE 3

HOME VENTURE

PAGE 4 (Family Features) Creating a welcoming and relaxing space may be easier than you expect when you give natural materials a leading role in your design. Elements like natural stone, wood, fiber, metals and even plant life can allow you to express a sense of unique personal style that is broadly appealing.

Most inviting rooms share one quality: ample natural light, which creates a subtly vibrant and energetic ambiance. Other aspects of an enticing design may be less obvious to the casual observer. Special touches like custom craftsmanship lend a special aesthetic to furnishings and decor, and bring authenticity to your home.

Similarly, items that are made in America using an artisanal approach can elevate the character of a room when compared to things that are mass manufactured. For example, choose a single piece of artwork from a talented artist rather than multiple pieces of mass-produced art from a retailer.

You can incorporate natural and handcrafted materials into your spaces in countless ways, but these ideas can be achieved regardless of what your budget may be.

Natural Stone When many people think about designing with stone, features like countertops or flooring come to mind. Incorporating stone in more unexpected ways can make an even bigger impression. You might choose a coffee table or end tables that are made of stone or feature

FEBRUARY 2021

5 WAYS TO DESIGN WITH AUTHENTIC MATERIALS stone accents. Accessorizing with stone also or wool rugs and textile artwork may also introduces an earthy appeal; think agate book- work well with this motif. ends or decorative items like sculptures.

Plant Life Hardwood Flooring Vegetation is a central element to landThe floor is often the largest design ele- scape design, so when your goal is to create an ment of a room, so utilizing authentic materi- inviting indoor space with a connection to naals for your flooring makes a strong statement ture and the outdoors, it makes sense to inabout the overall tone and feel of the room. An corporate plants as part of your design. artisan-crafted hardwood flooring option like Options vary greatly, so it may take some work Carlisle Wide Plank Floors is crafted individ- to narrow your selections. If the rest of your ually - one board at a time - so the emphasis is space reflects a specific region, choose plants on the natural beauty of the wood. You can native to that area. You’ll also want to consider choose a completely custom look, from wood lighting and watering requirements as well as species and grade to texture and color, or the level of care you’re able to dedicate. make your selection from a collection of popMetals ular tried-and-true finishes.

Adding metallic components like iron, Natural Fiber Textiles copper, gold or silver to your space can bring Careful attention to detail is important for everything from an edgy style to graceful a cohesive design, so be sure to keep thinking beauty. While furnishings and accessories are natural when selecting textiles. Linen and common ways to incorporate metallic flair, rough cotton fabrics bring distinctive textures also think in terms of lighting and hard feathat maintain an organic vibe. Natural textiles tures like railing spindles and window treatcan also be quite durable, making them prac- ments. tical selections for often-used spaces. EleGet inspired with more ideas to create an ments to consider include window inviting, authentic space at wideplankfloortreatments, fabric components of any furnish- ing.com.

Source: Carlisle Wide Plank Floors ings and accents like pillows or throws. Jute

REALTORS

®

in the news Congratulations!

Lana Berman

Watne, REALTORS® Top Sales Professional of the Month of December 2020.

Congratulations!

Carrie Montoya Watne, REALTORS® Top Producer of the Month of December 2020.

I was born and raised in a small town in Nebraska and always cherished my upbringing in rural America. My husband and I are both retired from the Air Force and had the opportunity to live in many areas of the US and overseas, but we chose to remain in ND due to the warmth of the people, not the weather. I have been a full time sales professional in Minot for over 17 years and enjoyed every minute of it. Helping people realize their dreams of home ownership, commercial/investment goals and building lasting relationships are all rewarding endeavors. I would like to say Thank You to all my past, current and future clients for your confidence and friendship. You can contact me at 701-240-0709 or email at carriecornhusker@aol.com.

Hello! I was born and raised in Southern California, however the Magic City stole my heart in early 2014. I love this community, and I have never felt more at home than I do here. My husband and I have been married for almost 25 years, and our children live in North Dakota as well, spread out between Minot, Sawyer, and Rolla. We also have three grandchildren. Our roots seem to like the soil up here in the North, and they continue to run deep. I have a long history in the Real Estate Industry, including over 15 years in Property Management & Investment Property Consultation. But more importantly, I LOVE Real Estate!! I love that every single property is unique, each one having that special something for that one buyer. Seeing the potential of design and the craftmanship of a builder, the obvious pride an owner has taken in the care of their beloved family home, discovering the individual history of property ... There is a home for every person, and a person for every home ... and that’s where I come in. Customer Service is key, it is a focused priority in all that I do. I implement innovative marketing strategies utilizing various social media platforms, including live on-site videos & creative movie trailers to promote your property to the RIGHT buyers.

I also own a Home Staging & Design Business, this experience enables me to further assist my clients with the valued tools needed to prepare their home for a successful listing experience.

You deserve a Licensed Realtor that will go the extra mile for you, no matter how big or small the transaction. Whether you’re a first-time home buyer, ready to downsize, or maybe you’re ready to take the plunge into your first investment property and aren’t sure where to start ... or you need a commercial building that can accommodate your business growth, or maybe you’re ready to buy that hobby farm or lake house that you’ve always dreamed of! Whatever your situation might be, I’m ready to help, let me work a little Magic for YOU! You can contact me at 909-581-5428 or emailing Lana@gmail.com

HOME VENTURE

FEBRUARY 2021

PAGE 5

Stately Chesterson has creative amenities

By Associated Designs

Passing through that door brings you into a dramatic vaulted foyer, open to the dining room on This estate-sized, country home the right. Double doors on is at once rustic the left lead into a vaulted and elegant, with a den with a fireplace.

European flavor.

PLAN 30 -649 Just past the stairway, the Inside, you’ll find First Floor 4542 sq.ft. foyer opens out into a bright a wealth of creative and spacious vaulted living and luxurious Second Floor 1266 sq.ft. room. The French double amenities.

Living Area 5808 sq.ft. doors at the rear flank a wide A king post and Catwalk, Attics 1899 sq.ft. fireplace and provide access arched struts accent Garages 2224 sq.ft. to a covered the Chesterson’s Dimensions162'4"x105'2" patio with vaulted porch, a n o t h e r which frames and ESTATE SERIES fireplace. accents an arched, www.AssociatedDesigns.com A wide, medieval-looking arched opening double door. leads into a Deck Open to Game kitchen with Vaulted Room Bedroom a large, sunny Below

Unfinished North Attic 14' x 45'6"

Chesterson

17'6" x 15'

Open to Living Below

Loft

Balcony Dn Foyer Below

Dn

Unfinished Dn Catwalk

Dn

Unfinished Attic 15' x 24'6"

Unfinished South Attic 26' x 14'

Vaulted Bedrm 14' x 15'8"

Vaulted Covered Patio

Vaulted Owners’ Suite 15' x 18'10" Exer.

12' x 12'

Covered Patio Nook 17'6"x 13'8"

Vaulted Living 26' x 25'10"

Vaulted Game Room 20' x 28'2" Up Porte Cochere 22' x 18'

Kitchen

Up Vaulted Den 16' x 16'

Vaulted Foyer Vaulted Porch

Dining 14' x 17'4"

Util.

Garage 15' x 27'

eating nook. The two-sided gas fireplace can be enjoyed from the kitchen and nook, as well as the vaulted game room, reached by passing through arched passageways on either side of the fireplace.

The epicurean kitchen has long counters on three sides, plus a large central work island with a built-in sink, and roomy pantry. A good-size wine room is just off the dining room. Also nearby are a powder room, a large utility room, and a dog room.

Vaulted ceilings add volume to the luxurious owners’ suite, which fills most of the Chesterson’s left wing. A French door leads out onto a covered patio with a large hot tub. This area could be either private or open. The his-and-her bathrooms each have a walk-in closet but share the shower, which can be entered from Covered Storage either side.

15' x 12' Two vaulted bedrooms, a North Garage balcony and a 23' x 38' loft are upstairs.

(27' wide at middle bay) A porte cochere provides cover © 2021 Associated as it links to the Designs, Inc. attached garages Up which can shelter six cars.

Associated Designs is the South Garage 25'6" x 23' original source for the Chesterson 30-649. For more information or to view other designs, visit www.AssociatedDesigns.com or call 800-634-0123.

PAGE 6

HOME VENTURE

Getorganizedforan

ENVY-WORTHYGARAGE

(Family Features) A garage may not be the focal point of your home, but it likely plays a significant role in your family’s everyday life.

Keeping the garage tidy can help you get the most out of the space, no matter how you use it.

Get your garage spruced up and ready to deliver the storage and workspace you need with these tips from the organization experts at ClosetMaid.

START BY SORTING. Garages tend to accumulate a lot of stuff, some of it useful and much of it not. Begin your garage clean-out by sorting your belongings into groups. The items you no longer need can be divided further into sell, donate and trash piles. For the things you’re keeping, try to create groups of like items, which can make it easier to organize later.

EMPTY AS MUCH AS YOU CAN. Cleaning out the garage is one of those jobs that typically gets messier before it gets cleaner. Removing as much of the contents of your garage as possible can make it easier to reach all the nooks and crannies for a more complete cleaning.

GIVE IT A POWER SCRUB. Clean every surface to remove dust, dirt and debris. This means everything from sweeping floors and wiping down counters to brushing away cobwebs from the ceiling. If possible, use a hose to clean the floor thoroughly and remove buildup tracked in from your vehicle tires. Be thorough and use a critical eye. Don’t overlook details like light switches or the wall behind the trash can.

MAKE STORAGE EASY. With a clean slate,

5waystoaddfunandfunctiontoyourgarage (BPT) Now is the perfect time to create more living space in your home. Whether you need a place to take a break from daily stressors, get some work done or host friends and family, look no further than your own garage.

For many, the garage is simply a place to park the car, store tools and bikes, and hide old toys or off-season items that have no other place to go. But with a few easy upgrades, you can turn the garage into a productive, fun-filled place. Here are five tips to get you started.

1) Clean and organize

The first step is to look at the current state of your garage. To make the best of your space, you’ll need to start with a blank canvas. Do a deep clean, take stock of your tools and consider new ways to store and organize them. Building custom shelves to get your equipment up off the floor will not only give you a new project to take on, but it will help clear the way for a place where you can be productive and get jobs done. One key item to have in your upgraded garage shop is a Portable Electric Air Compressor, which can be used for power nailers, sanders, paint

spray guns and much more - plus, at less 4) Bring on the entertainment powerful settings, it can be used to To get the most out of your new garage, quickly blow away dust and debris. make sure it is all about entertainment.

2) Heat it up Think about how you’ll be using the space.

Creating a year-round garage to enjoy The garage is a great place to hang a TV for will mean you’ll have to take the extra step football Sundays and video games. to ensure the walls and ceilings are insu- Adding extra speakers can provide a comlated correctly. For extra warmth, use a plete experience, whether it’s watching the workshop heater like the Mr. Heater Big game or listening to music while you work Maxx Garage Heater from Northern Tool on your latest project. If you plan to host + Equipment. A heater this size can eas- regular game nights, fill the room with a ily warm up a two- or three-car garage, al- poker or ping-pong table that can be easily lowing you to work and play comfortably folded up when not in use. in your space no matter the outside tem5) Get comfortable perature.

One of the most important parts of your new garage space is seating. Whether 3) Let in the light Switching up the lighting is an easy you go with recliners, a sofa, stools or a and inexpensive way to update your combination of all three, look for furniture that fits your space. Find pieces that let garage. Most garages have just one or two you get comfortable, can stand being outlight bulbs hanging from the ceiling, but doors and are versatile. Leather is a classic you’ll want more than that for your new, material plus it’s easy to clean and mainuseful space. Try an industrial-style light tain. For another way to add comfort - and fixture or customizable, sleek track light- more entertainment possibilities - set up ing to make the room feel more inviting to a side bar with a refrigerator to keep cool friends for casual hang-outs. Plus, it’ll be drinks and snacks at hand. easier to see when you’re working on projWith these ideas as your playbook, ects. you’re ready to achieve garage greatness.

FEBRUARY 2021 it’s the perfect time to rethink your organization and put things in place with storage units designed to stand up to the wear and tear of the environment. One option is the ProGarage line from ClosetMaid. This customizable collection of professional-quality garage and workspace storage is made of 24-gauge steel cabinetry for maximum durability. You can choose from a variety of cabinet sizes with floor mount and wall mount options, as well as worktable or tabletop. Each piece features full-length extruded aluminum handles for easy opening and closing, adjustable legs to keep cabinets level on sloped floors, caster wheels for portability and a lock and key for security.

PUT THINGS BACK IN PLACE. If you take the time to separate items as you sort and purge in the beginning, this last step will be quick and painless. Now that the space is clean and you have storage space ready to fill, it’s time to begin moving everything back into place. Put similar items together. Keep the things you use most often in easy reach and stash others on higher shelves.

Before you close the doors and call it a day, be sure to show everyone, including the kids, where things belong. Your garage may get dirty again quickly, but with some help from the family, you can at least keep it picked up and usable longer. Find more helpful tips for keeping every part of your home organized like a pro at ClosetMaid.com.

Source: ClosetMaid

HOME VENTURE

FEBRUARY 2021

PAGE 7

Unique Coronado focuses on family pool

By Associated Designs

Open to Entry

Screened

Bedroom

Coronado

Gated Entry

Utility

Porch It’s just a few steps to 11'2" x 12'8" Below Owners’ Suite Living 14'2" x 9'8" 15'2" x 18' 15' x 15'6" the pool from almost anywhere in the Coronado.

Dining You can get there 14'2" x 11' Open to from the family room, Family Below Dn owners’ bath, and guest 2 Story Entry suite, as well as from the entry hall. Even the stairs from the Kitchen second level bedrooms lead directly down to triple sliding 2 Story doors that open onto the patio.

Nook Patio Bedroom Family 11'6" x 9'6" The balcony at the top of the 12' x 11'2" 10'6" x 13'4" Dn to Bsmt Up stairs also overlooks the family room and pool area. Upper bedPool rooms share a bathroom that has a pocket door between compartments, allowing privaPatio cy for two people at once. The PLAN 11- 029 arched window in the front Garage First Floor 1748 sq.ft. bedroom forms an alcove, ide22' x 23'2" Guest Second Floor 581 sq.ft. al for a desk or window seat.

Suite 10'8" x 10'8" The back bedroom has a Guest Suite 238 sq.ft. © 2021 Associated Designs, Inc. built-in desk. Items dropped Living Area 2567 sq.ft. down a chute in the large linen Screened Porch 145 sq.ft. closet at the top of the stairs Garage 544 sq.ft. land on the washing machine for outdoor dinand a spa tub alcove brightened by Dimensions 48' x 73' in the utility room below. ing. The living glass blocks.

2000 SERIES In the kitchen, a U-shaped room is huge, The stand-alone guest suite on counter nestles into its own and this quiet the opposite side of the Coronado’s www.AssociatedDesigns.com bay. A large window brightzone also serves pool also has direct pool access, ens the nook. Other features inas a buffer between the active famplus a wide window view. It could clude: an eating bar, walk-in panily living areas and the secluded also be a home office. try, built-in oven, microwave, owners’ suite.

Associated Designs is the origicooktop and dishwasher. A pocket The owners’ suite boasts a huge nal source for the Coronado 11door provides full separation bewalk-in closet and direct pool ac029. For more information or to tween the dining room and kitchen. cess, handy for showering after view other designs, visit Sliding glass doors in the dining swimming. Bathroom features inwww.AssociatedDesigns.com or room open onto a screened porch, clude an enclosed toilet, dual lavs call 800-634-0123.

HOME VENTURE

PAGE 8

FEBRUARY 2021

WHAT’S AN ESCROW ACCOUNT AND WHY DO YOU NEED IT? Searching for the home of your dreams is an extremely exciting time full of new experiences, and let’s face it, terms, phrases, and processes that may be unfamiliar to you.

While the process of financing that dream could seem overwhelming, fear not! Understanding the basics of a mortgage it is somewhat simple with the right mortgage lender on your side.

One aspect of a mortgage payment you may be unfamiliar with is an escrow account.

This account is managed by your mortgage servicer and functions like a savings account to automatically pay off estimated property taxes, mortgage insurance (if applicable) and home insurance premiums, including flood insurance if required in your area, for the year. This account does not cover water or sewer bills, one-off assessments and home owner association dues.

Getting Started

When it comes time to close on your loan, your lender will collect enough funds to establish an escrow account. Generally, this will cover the property tax amount owed between closing and when you make your first mortgage payment.

As you make your monthly mortgage payments, a portion of your payment calculated by your mortgage lender will go into your escrow account. When your insurance and property tax bills come due, your mortgage servicer takes care of the bill, paying it from your funds within the escrow account. Simple as that!

Having an escrow account is great for your budget, allowing a yearly expense to be spread over 12 months opposed to facing hefty premiums once a year that may or may not be budgeted for. Plus, this allows your mortgage servicer to take care of making payments, leaving you with only one monthly mortgage payment to make.

New Year, New Home! *HW 3UH 4XDOLƓHG IRU D 0RUWJDJH 7RGD\

Renata Buen, is an Executive Mortgage Officer with The HOME Team at Town & Country Credit Union. To contact Renata or get more information on home loans, visit www.townandcountry.org. Town & Country Credit Union is an Equal Housing Lender.

NMLS# 704437.

Escrow Analysis As mentioned above, your mortgage lender determines how much of your monthly payment needs to fund your escrow account. This number is based off the taxing authority in your area and insurance premiums or previous tax and insurance bills. With any insurance premiums or tax assessments, they can fluctuate year to year. To ensure your escrow account is funded correctly, the mortgage servicer will analyze your account every year and adjust the amount to ensure you’re maintaining an adequate balance.

While these estimates are generally accurate, there is a chance that the amount could be overestimated or underestimated, which is referred to as an escrow overage or shortage. If there is an overage, your mortgage servicer will issue you a refund. Refunds are issued to follow federal regulations which mandate the amount of money stored in your escrow account.

If there’s a shortage, the amount may be added to your monthly payment or you could be asked to pay them up front. Regardless, you’ll be notified of changes yearly as your servicer is required by law to send you an escrow statement annually that details how much you’ve paid and if there were any overages or shortages.

Is an Escrow Account Necessary?

Having an escrow account may or may not be required depending on a few factors including your home loan type and down payment amount. The loan programs that generally require an escrow account are USDA, VA and FHA loan programs. Conventional home loans don’t require an escrow account if you put more than 20% down, but anything under 20% usually will require an escrow account.

You may ask yourself, why wouldn’t you want an escrow account that leaves the budgeting and bill paying up to someone else? Some borrowers are strict budgeters and would prefer to pay their own bills and others would prefer to invest the funds in short terms investment options like CDs or money markets to earn interest.

If you have the option to decide whether or not you’d like an escrow account on your mortgage, think about your budgeting habits and your ability to make ontime payments. Also, check with your lender as the interest rate or fees may be higher if you do not escrow.

Your Mortgage

When it comes time to start your mortgage process, your mortgage lender will discuss whether or not your loans will require an escrow account, what’s covered and how much of your total monthly payment will fund the account each month.

If you have additional questions about escrow accounts or the mortgage process as a whole, set up an appointment with your local lender to learn more.

HOME VENTURE

FEBRUARY 2021

PAGE 9

MINOTHOMES.COM $150,000

$49,900

GREAT LOCATION! 2 Bedroom Townhouse, All One Level, Double Attached Garage with Shop Area #210017

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Carrie Montoya 701-240-0709

Janet Schelling 701-240-7537

Blake Krabseth 701-720-1786

$189,900

$410,000

Blake Krabseth 701-720-1786

GREAT STARTER HOME! 2 Bedrooms, 1 Bath, Walking Distance to Oak Park, Fabulous Front Porch, New Shingles on Garage Roof, Nice Yard, Back Deck #210043

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TOWNHOUSE. 2 Bedrooms, All On One Level, Convenient Location, Double Attached Garage With Shop Area #210005

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701-852-1156 • 408 N Broadway • Minot, ND 58703

Beth Ringen 701-429-0326 Leigh Ann Perdue 701-641-0150

BOTTINEAU ND. Grand Tudor Home, Wood Burning Fireplace, Original Woodwork, Beautiful Windows, Hardwood Floors, 3 Bedrooms, Single Garage #202237

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PENDING

TURN KEY HOME. Completely Remodeled, Great Neighborhood, 3 Bedrooms, 2 Baths, Open Concept, Oversized Single Car Garage, Large Backyard #202295

Lana Berman 909-581-5428

TECHNOLOGY DOESN’T BUY HOMES. . . PEOPLE DO WE’RE PEOPLE TOO - HIRE A PROFESSIONAL

REALTOR® Ali Ryan.....................................701-720-9004 Beth Ringen .............................701-429-0326 Blake Krabseth ........................701-720-1786 Carrie Montoya ........................701-240-0709 Danielle Delzer.........................701-500-3732 Geri Erven-Beede ....................701-509-1773

Gracia Eman.............................701-263-1295 Janea Martell ...........................320-333-5264 Janet Schelling ........................701-240-7537 Jeremy Skalicky.......................701-340-7954 Jim Bowman ............................808-462-2173 Judy Hoskin .............................701-721-3837

Kevin Connole..........................701-833-7003 Susanne Hoskin .......................701-833-0160 Lana Berman............................909-581-5428 Thad Tarasen ...........................701-240-6737 Leigh Ann Perdue ....................701-641-0150 Trude Skalicky..........................701-240-3487 Lenora Stevenson ...................701-263-7757 Matt Watne ...............................701-720-5700 Equal Housing Opportunity Ric Montoya .............................701-240-0749

HOME VENTURE

PAGE 10

FEBRUARY 2021

Dorset melds convenience, simple charm

By Associated Designs

ered porch. It’s an inviting setting for summertime relaxation, which could include lazing on an oldThe two-story Dorset blends fashioned porch swing.

1920s-era Craftsman-style charm Entering, you step into a small with contemporary convenience foyer. It opens into a naturally and energy efficiency. The home’s bright great room which fills the encompact design generates longtire left side of the home. This large term savings in the costs of heatspace comprises ing and maintenance. a living room, Its floor plan is charming dining room and yet simple. One open and spaPLAN 30 -454 kitchen.

Craftscious living area fills the main man-style winfloor, served by a combinaFirst Floor 915 sq.ft. dows fill much tion utility room/bathroom.

Second Floor 907 sq.ft.

Bedrooms, plus a bathroom Living Area 1822 sq.ft. and loft, are on the second Garage 465 sq.ft. level.

Dimensions 46'x 37' Handsome wooden posts 1500 SERIES atop tapered stone veneer Bedroom bases support a wide covwww.AssociatedDesigns.com

Dorset

15'2'' x 14'4''

of the front and rear walls, while two more windows line the side.

French double doors between them access a patio that links to the front porch and wraps around to the rear.

A large wood stove pumps out plenty of heat. If the owners chose a glassed-front model, it can also serve as a cheery focal point on dreary days and dark nights.

Working in the kitchen, you can converse with family and friends anywhere in the great room.

Loft

Dn

Bedroom 15' x 14'4''

Patio 21'6'' x 8'

Patio 42'8'' x 8'4''

Dining 11' x 11'

Kitchen 9'6'' x 11'

Up

Garage 15' x 29'

Living 22'6'' x 18' Foyer Covered Porch 46' x 7'

© 2021 Associated Designs, Inc.

Counters and cupboards line three sides, and a long conversation bar rims one edge.

Both of the Dorset’s bedrooms have roomy closets that span their rear walls, plus access to attic storage, front and back. They share a bathroom that has a double vanity.

Abundant natural light in the loft between them makes this an ideal study, sewing, or craft area.

Associated Designs is the original source for the Dorset 30-454.

For more information or to view other designs, visit www.Associated Designs.com or call 800-634-0123.

FEBRUARY 2021

HOME VENTURE

PAGE 11

Discover Nature-Inspired Paint Trends for a Calming Home W FAMILY FEATURES

hen it comes to home design, color can change everything. From understated, clean hues and calming neutrals to soft greens and mid-tone colors with artistic qualities, a whole new style is just brush strokes away.

With the right color palette, you can transform your space to highlight contemporary trends while creating your desired ambiance.

These curated Clark+Kensington color palettes, showcasing on-trend looks for 2021, are heavily inspired by nature and natural materials like raw cotton, linen, wood tones and soft, peaceful greens. The colors invite the best of the outdoors inside so you can design a personal refuge where youâ&#x20AC;&#x2122;re free to relax and unwind.

Each of these three collections, assembled by the experts at Ace Hardware, can help conjure a sense RI FDOP DQG RŕľľHU LQVSLUDWLRQ VR \RX FDQ WKRXJKWIXOO\ incorporate color into your home.

Mindful Living

If you want to bring new layers of wellness to your life, the calming neutrals and soft greens that make up this refreshing and cleansing palette may be just what youâ&#x20AC;&#x2122;re seeking. The muted tone of Fair Isle is a soft neutral that pairs well with a wide range of colors, such as the inviting Blue Spruce green that resembles a richly treed PRXQWDLQVLGH $GGLWLRQDOO\ 6ZLVV &RŕľľHH DQG 1DWXUDO :KLWH RŕľľHU QHXWUDO RSWLRQV WKDW OHQG D VXUSULVLQJ VHQVH of coziness while Smokey Taupe and Playas de Cancun provide alternatives to bring bolder, but still soothing, color to your space.

Understated Impact

,I PLQLPDOLVP DQG FOHDQ OLQHV UHĂ&#x20AC;HFW \RXU GHVLUH WR simplify your surroundings, youâ&#x20AC;&#x2122;ll likely be drawn to a â&#x20AC;&#x153;less is moreâ&#x20AC;? approach to design. This uncluttered sensibility allows you to focus on key elements of a room that are impactful yet edited. To achieve this look, build your palette around slate-like hues of gray and blue, such as Gothic Iron or a cooler take on slate with Magic Fountain. Options like Silent White and Abstract Gray lend neutral warmth while an earthy burgundy like Red Tulip or the deep, not-quite-black tones of Midnight Stroll are ideal for creating a focal point.

Creative Escape

This palette of mid-tone colors with artistic qualities may be best suited for someone who embraces traditional crafting techniques and delights in working with his or her hands. Striking slate blue Midnight Oil is reminiscent of waves crashing in the dark of night while Subtle Gray RŕľľHUV D VRIWHU WDNH RQ WKH VODWH OLNH WRQHV $V WKH QDPH suggests, Fiddlehead Fern brings lush vegetation to mind

ZKLOH $FW 1DWXUDOO\ DQG &DUDPHO $SSOH GHOLYHU SRSV RI color consistent with streaks of an orange-kissed sunset.

The most subtle of this collection, Beach Cottage, features a slightly peach-to-pinkish tint that gives unique character to a neutral selection.

Any color in these palettes can be selected and ordered from the comfort of your home online using in-store pickup, curbside pickup or delivery from your local store.

Start with color samples to test your colors on your walls LQ GLŕľľHUHQW ORFDWLRQV DQG XQGHU GLŕľľHUHQW OLJKWLQJ WKHQ order your gallons and painting supplies when youâ&#x20AC;&#x2122;re ready to complete your project. Find more inspiration and all the supplies you need to transform your space with paint at acehardware.com.

HOME VENTURE

PAGE 12

FEBRUARY 2021

Charming, compact Holly offers comfort

By Associated Designs Compact and charming, the Holly is a small home packed with popular amenities. It's designed to fit comfortably on a narrow lot.

Nine-foot ceilings increase the sense of openness in the family living areas and owners’ suite.

Owners’ Suite 14'10" x 14'6"

Great Room 17'6" x 16'8"

Bedroom 11'4" x 10'

Kitchen 9'6" x 11'

Nook 10' x 10'

Holly

Utility

Bedroom 11'4" x 10'

space is ample, and there's room for as many as six stools along the raised eating bar. The kitchen has plenty of cupboards, plus a roomy pantry.

A gas fireplace flanked by slender windows serves as a focal point in the great room. This space could also be filled by a wood-burning fireplace, or a woodstove inset.

Double doors open into the formal dining room. Art and memento display shelves nestle into the triangular niche between the panPatio try and dining room doors. Win10' x 16' dows fill most of the dining room's front wall, and the room is mere steps from the kitchen. Convenient and attractive as this room is for festive meals, some families may prefer to outfit the space as a den or home office.

Laundry facilities are close to both kitchen and bedrooms, tucked in a pass-through that connects the house to the garage.

PLAN 30 -115 Counters and storage cabiLiving Area 1632 sq.ft. nets line the wall opposite Garage 473 sq.ft. the washer and dryer.

Dimensions 42' x 62' The Holly's owners’ 1000 SERIES suite is cozy and comfortwww.AssociatedDesigns.com able. It has a walk-in closet and a two-section bathroom with double vanity.

Associated Designs is the original source for the Holly 30-115. For more information or to view other designs, visit www.Associated Designs.com or call 800-634-0123.

Gathering spaces are on the right, sleeping quarters on the left.

The kitchen is bright and spacious, expanded by a bayed eating nook and totally open to the great room.

Light spills in from three different angles in the bay, and through sliding glass doors that open onto a small patio. Counter

Garage 21' x 21'

© 2021 Associated Designs, Inc.

Entry

Den / Dining 11' x 13'

Covered Porch

FEBRUARY 2021

HOME VENTURE

PAGE 13

4homeimprovementideas (Family Features) Whether you’re thinking about a bathroom update, kitchen overhaul or any other type of home improvement project, these tips from the experts at the National Association of the Remodeling Industry and eLivingtoday.com can help you get started.

Create a Plan

Improving your home can be one of the most exciting projects to undertake. Start by setting realistic expectations, determining your goals and needs, finding inspiration and, perhaps most importantly, setting a budget.

Renovate the Bathroom

You can improve your home’s usability and increase its value with bathroom updates or a full renovation. Before you get started, think about these factors: the amount of space and storage you need, features that are important to you, sustainability concerns and accessibility considerations.

Update the Kitchen

The kitchen serves as command-central for most homes, and you can get the most enjoyment out of yours by making purposeful changes, reconsidering the physical space, re-evaluating your shopping style and choosing appliances with care.

Start a Remodel

If it’s time for a serious undertaking, a full-blown remodel may be necessary (or simply desired). Remodeling typically calls for hiring a professional contractor, a process you can go about by gathering local recommendations, asking for licensing and insurance, checking references and comparing bids.

Find more home improvement ideas and solutions at remodelingdoneright.com and eLivingtoday.com.

Meet Your Realtor Call Lucas Knight for Your Real Estate Needs!

Lucas Knight 701-721-9163 lucas@signalrealtors.com

minothomesearch.com 1541 S. Broadway, Minot

1.800.735.4065

HOME VENTURE

PAGE 14

FEBRUARY 2021

FINANCIAL DIRECTORY Banks • Credit Unions • Savings & Loan Associates • Mortgage Lenders

1017 South Bdwy & 924 31st Ave. SW, Minot

Locations in Minot, ND 900 South Broadway

852-3711 2200 15th St. SW

857-8400 or 857-4444

857-7220 2105 16th St. NW

852-8200

Broadway

North Hill

1600 S Broadway

2150 21st Ave NW

(701) 837-1600

Arrowhead

(701) 837-2050

150 16th Street SW (701) 839-2170

FIBT.com FIBT_Mrtgg_01-21

FEBRUARY 2021

HOME VENTURE

Howtobuyahousewithoutdrainingyoursavings (NewsUSA) - Erin, who works at Duke University in Durham, North Carolina, had been toying with the idea of buying her first home. She was 32 years old, and was very aware that the Durham housing market was heating up.

“I figured if I was going to buy a house, I’d better do it sooner rather than later because prices just kept going up,” explains Erin.

However, with only $7,000 in savings at the time, she felt she didn’t have enough money for a down payment. But the timing became a dilemma for her. Should she wait to save more money for a house that would probably cost more in a year? Or, use all her savings to buy a house now - at the risk of leaving herself with no funds for a rainy day or future expenses?

The answer came when Erin visited the new home of a friend who had used a down payment assistance program to purchase her house. Her friend explained how down payment assistance programs give first-time homebuyers money to pay for a portion or all of their down payment, with some programs even helping with closing costs.

Free money for eligible borrowers

While there are more than 2,500 down payment assistance programs available throughout the country, Erin decided to apply for the same state-offered program her friend had used.

The program, called North Carolina 1st Home Advantage Down Payment, makes homeownership more affordable for state residents. It offers down payment assistance of up to 5

percent for FHA, VA and USDA loans, and up to 3 percent for a conventional loan. And because Erin had a decent credit score and met the program’s income limit, she qualified.

Erin received down payment help in the form of a zero-percent, deferred second mortgage. As long as she doesn’t sell or refinance the house for 15 years, her down payment assistance will be forgiven, meaning she won’t have to pay it back.

Let the house hunting begin!

Once Erin knew she was eligible for help with her down payment, she earnestly began her home search. She found a historical 3-bedroom, 1-bath home that was built in 1925. The price of the home was $152,000. She used conventional financing with private mortgage insurance because she was putting less than 20 percent down. With her 3-percent down payment assistance ($4,560), Erin successfully purchased her home in 2016.

“And, I didn’t have to use all my savings!” says Erin. Plus, she’s built up equity over the last two years due to home values going up.

Aside from the financial perks of owning her own home, Erin enjoys other benefits.

“I’ve got so much more space for the money than when I was renting,” says Erin. “And I like being a permanent part of the neighborhood and getting to know my neighbors.”

For more homebuyer resources, visit readynest.com.

To find down payment assistance programs in your area, visit downpaymentresource.com/

PAGE 15

HOME VENTURE

PAGE 16

FEBRUARY 2021

MINOTHOMES.COM $228,000

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$319,900

$225,000

MOVE-IN READY! 3 Bedroom, 2 Bath, New Carpet, Freshly Painted, G^p :liaZem Labg`e^l% 2 q0 Porch Connects the Front Door Blake to the Attached 2-Car Garage, Krabseth 701-720-1786 Fenced Backyard #210004

CROSBY, ND 3 Bedrooms, *'0. ;Zmal LiZ\bhnl Dbm\a^g Stone Fireplace Beamed Ceilings French Doors Leading to Deck Single Car Garage #182522

COUNTRY LIVING! 3 Bedroom, 2 Bath Home, Wood Burning Stove, Large Deck, 3 Car Attached Garage, Fenced Yard #202007

TIOGA ND. Move-In Ready, 3 Bedrooms, 3 Baths, Many Recent Updates, Living Room Bay Window, Enclosed Deck, Beautiful Backyard #202180

$249,900

$159,900

701-852-1156 • 408 N Broadway • Minot, ND 58703

TIOGA ND. Tranquil Country Life on 21 Acres, Only 3 Miles from Tioga, Manufactured Home, 4 Bedrooms, 3 Baths, 3 Car Garage #201441

VERY SPACIOUS! 3,400 Sq Ft, 4 Bedrooms, 3 Baths, Attached 2 Stall Garage, Living Room Fireplace, Remodeled

#202250

$79,900

Leigh Ann Perdue 701-641-0150

$170,000

Jim Bowman 808-462-2173

$279,900

Gracia Eman 701-263-1295

$236,000

Carrie Montoya 701-240-0709

MOVE-IN READY! Located in the Heart of Minot 2 Bedrooms, 1 Bath Curb Appeal 11 Ft Ceilings Oak Cabinetry Nice Size Backyard – Room to Add a Garage! #202009

GREAT LOCATION. Nice Size Lot, 2 Bedrooms, 2 Stall Garage, Alley Access, Wiring & Plumbing Redone #201910

TIOGA ND. 2 Bedrooms, 2 Baths, 2 Car Garage, Ni]Zm^] Dbm\a^g% Ebobg` Room Fireplace, Many Updates, Maintenance Free Deck #202225

STANLEY ND. - ;^]khhf% +'. ;Zma Townhouse, Double Garage, Being Sold AS-IS, Spacious #201953

POWERS LAKE ND. Quiet Neighborhood, 2 Bedrooms, Very Nice Condition, Newer Vinyl Siding, Windows, Steel Roof, Move-in Ready, Single Garage #200800

Judy Hoskin 701-721-3837

Ali Ryan.....................................701-720-9004 Beth Ringen .............................701-429-0326 Blake Krabseth ........................701-720-1786 Carrie Montoya ........................701-240-0709 Danielle Delzer.........................701-500-3732 Geri Erven-Beede ....................701-509-1773

Leigh Ann Perdue 701-641-0150

Gracia Eman.............................701-263-1295 Janea Martell ...........................320-333-5264 Janet Schelling ........................701-240-7537 Jeremy Skalicky.......................701-340-7954 Jim Bowman ............................808-462-2173 Judy Hoskin .............................701-721-3837

Judy Hoskin 701-721-3837

Leigh Ann Perdue 701-641-0150

PENDING

$105,000

GREAT NEIGHBORHOOD! - ;^]khhfl% +'. ;Zmal% Hi^g Concept, Covered Front Porch, Large Backyard Deck, Great Lighting, Partially Fenced Yard #202099

PENDING

Carrie Montoya 701-240-0709

$345,000

PENDING

Leigh Ann Perdue 701-641-0150

Thad Tarasen 701-240-6737

Leigh Ann Perdue 701-641-0150

Kevin Connole..........................701-833-7003 Susanne Hoskin .......................701-833-0160 Lana Berman............................909-581-5428 Thad Tarasen ...........................701-240-6737 Leigh Ann Perdue ....................701-641-0150 Trude Skalicky..........................701-240-3487 Lenora Stevenson ...................701-263-7757 Matt Watne ...............................701-720-5700 Equal Housing Opportunity Ric Montoya .............................701-240-0749