The attic may be the last place home-owners think about when considering improvement projects. However, there can be  some big benefits from upgrading the insulation in your attic. Most people aren’t attic experts, so here’s some information on insulation upgrades for your home.

1. Determine How Much You Need – The first step when upgrading attic insulation is to figure out how much new material is needed. Many believe their home has enough as is, but insulation tends to compress over time and become less effective. Get accurate measurements of your space so you’re not buying too much or too little. If your attic is finished, con- sider adding an extra layer on top of what’s currently against the roof. For unfinished attics, add layers to what’s currently on the floor.

2. Understand R-Values – When researching attic insulation, you will come across the term “R-value,” which is the ability of a material to resist heat flow. The higher the R-value of  a specific insulation, the more effective it will be for trapping heat. The Department of Energy recommends different R-value insulations depending on the area or climate where you live. Visit energy.gov/energysaver/weatherize/insulation to determine the type of insulation you’ll need for your attic.

3. Big Savings Possible – Utility bills can be a drag on your personal finances, but attic improvements can generate savings for homeowners. The Environmental Protection Agency estimates you can save up to 15% on utility costs by adding new insulation and sealing air leaks in your attic. Also, most homes built before 1960 do not have proper insulation based on modern standards, so your older home may be losing a lot of energy. Modernizing your attic can result in a significant return on your investment.

Creating Efficient Storage Space

One of the biggest complaints from homeowners is that they don’t have enough storage space. While add- ing extra physical rooms may not be an option for most, there are ways to creatively utilize your space.

Decluttering—Before you start thinking about reorganizing your storage space, first consider whether you absolutely need to keep everything. Decluttering may be the easiest way to open up new areas for more important items. Tackle each of your cur- rent storage spaces individually so you’re not overwhelmed.

No stray items—To maximize the space you have, use boxes or containers to efficiently make use of the area. Uniform shapes and sizes will help you determine how these containers stack—think of your storage space like a game of Tetris.

Choose the right products— Make sure to think ahead before purchasing any storage containers, racks or shelves for your closets or crawl spaces. Measure your closet and keep these figures with you as you’re shopping online or in stores.

Storage zones—Use the space you have in smart ways by keeping all items you use regularly between your knees and shoulders. Use hard-to-reach areas for items that are for long-term storage. Think vertically instead of horizontally to make your storage spaces more efficient.

Integrating smart home technology into your existing property is a smart move. Upgrading certain features of your home can result in increased efficiencies and cost savings down the line.

Here are a few additions you can consider for your home:

Smart Lock: For those who don’t like carrying around bulky sets of keys, smart locks allow for easy and quick access to your front door or any other room in your home. Many smart locks also track data that indicates when doors are opened and closed, which could be useful for families with children or helping to adjust your daily schedule.

Smart Doorbell: One of the most popular smart home devices, a smart doorbell has a built-in camera for identifying guests or solicitors. Sync your doorbell camera with your phone and you can see who’s visiting even when you’re out and about.

Smart Lighting: Useful in a variety of ways, consider adding smart lighting to your home. You can make your home more energy efficient by turning lights on/off remotely, and you can even set timers for turning on your lights during certain hours of the day while you’re away at work or on vacation, helping to keep your property secure.

Smart Thermostat: Fine tune the temperature in your home with a smart thermostat. These devices can be set to automatically change the temperature throughout the day to make your home more comfortable and energy efficient. Many devices also have temperature- recognizing sensors that can adjust your heating or air conditioning without your having to lift a finger.

Smart Smoke Detector: A great safety tool, a smart smoke detector can help keep you and your family safe by sending alerts to your phone if it detects a fire. They also allow you to “hush” your alarm if it’s simply a burnt piece of toast—You’ll never have to stand below your smoke detector waving a towel to clear smoke again!

Buying or selling a home can seem like an overwhelming task. But the right REALTOR® can make the process easier—and more profitable.
Certified Residential Specialist (CRS), with years of experience and success, will help you make smart decisions in a fast-paced, complex and competitive marketplace.
To earn the CRS Designation, REALTORS® must demonstrate outstanding professional achievements—including high-volume sales—and pursue advanced training in areas such as finance, marketing and technology. They must also maintain membership in the National Association of REALTORS® and abide by its Code of Ethics. Work with a top-producing REALTOR®—contact a CRS today.

Access Teri’s one-stop O rlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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Very few things in a home can make such a difference to both form and function as new floors. Flooring reflects not only your style and personality, but also your lifestyle. The right floor can make it easier to keep your home cleaner, hide imperfections, and set the mood for a cozy living space. And although flooring has generally been an “anything goes” environment for a while in home design, there are certain trends that have been a lot more popular than others. Here’s a brief round-up that should make your flooring search a little easier.

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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When listing pros of owning a home in comparison to renting one, many think of things like lower monthly payments for the roof over their heads, the freedom to renovate or simply paint as they desire, or the opportunity to finally have a garden of their dreams. Tax benefits, however, are not something many consider; learn about some of the main tax-related advantages homeownership can bring:

• Tax deduction on mortgage interest:  when a homeowner’s mortgage is no greater than $750,000, the interest on that mortgage is tax-deductible.
  — In 2017, the IRS made changes to this deduction, reducing the mortgage limit. If your mortgage was taken out before December 2017 and is $1 million or less, this deduction applies to your situation as well.
  — Having a home equity line of credit (HELOC) that meets the above standards will receive the interest tax credit as well.
  — In case a homeowner has two mortgages that are each less than the $750,000 limit, but the total of those mortgages exceeds the limit, not all interest is deductible.  Learn more from the IRS Newsroom.
  — According to the Tax Cuts and Jobs Act, this benefit will stand through 2026! 

• When the home was purchased, were mortgage points used as part of the loan transaction? This may qualify for a tax credit. Use this handy worksheet from the IRS to determine eligibility. 
• Many have used their homes for office space this past year, but not everyone qualifies for a home office tax credit.  Those who are independent contractors or self-employed are the only taxpayers allowed this credit. 
• Your lender is required to include property taxes paid on the 1098 form they send at tax time.  Property taxes paid up to $10,000 are eligible for a tax deduction. 
• If you are paying private mortgage insurance (PMI), the law to receive a tax credit for this has been reinstated as well as being retroactive. House Logic has more information about the changes and benefits. 

• Living in a federally declared disaster area can also get tax boons for homeowners.  Find more information about the natural disaster relief from TurboTax. 

Do not miss out on these tax deductions!  Normally, hiring a professional tax preparer will get the most benefits for you if you give them all the necessary paperwork.  Keep in mind that using an online tax prep service will ask homeowner-related questions as you work through your return, and self-tax prep is generally less expensive, depending on the software company you choose.   

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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Photo credit: Desmond Wealth Management 

Remodeling can be serious business, especially if you’ve got several pet projects on your list and a limited budget with which to work. It can be tempting to go straight to the items that you find the most important, but if you’re considering reselling your home in the not too distant future, the return on your remodeling investment is really the thing to watch. Luckily, Remodeling Magazine has been tracking remodeling trends and returns for the US market since 2002 and has amassed a great deal of data on which projects you should focus your money on if you’re concerned about how well it will return.

Drip. Drip. Drip. It is pouring rain outside, and you hear that dreaded sound coming from somewhere inside your home. Grabbing the mop bucket to place under the leak will save you from a mess but drying the floor and putting the bucket close by for the next rainstorm is not where you need to stop. Leaving a leaking roof untouched can be detrimental to your health, home, and investment.   

• Sometimes you may not notice dripping water, but will see bubbling drywall or plaster, or simply a change in the color of the paint. 
• If you find a drip and have retrieved something to catch water, your next step should be to try and find where the leak is. Open the attic door, and with a flashlight, look around for the dripping water or wet areas. 
• Do not be tempted to place something to catch the water in the attic. The container can become too full and heavy, and come crashing through the ceiling. 

• While a downpour or thunderstorm is not the time to go outside, once it is safe to do so, go outside and look up the roof’s slope from the area where the leaking was.
  — If it is not obvious, you may have to wait to create your own “rainstorm” with a water hose or call a pro to locate the problem. 

• If the leak is on a flat area of the roof, secure a tarp over the leak to stop more water from coming in.  Sometimes the leaks are around a vent or chimney, and those can be tricky, so you may not be able to make a temporary fix until the roofer arrives.

• Whether you DIY the roof repair or call a roofing contractor, the attic will need to be dried out. 
  — Use a dehumidifier to absorb the moisture in the air coupled with a large fan to dry the area.
  — Inspect surrounding insulation and make certain it is completely dry before you put it back in place. If it has become compacted, it will need to be replaced with new insulation. 

• Leaving a leaky roof with a temporary patch, or worse, doing nothing at all can cause expensive and dangerous problems.
  — Mold and mildew can grow not only on the roof, but inside the attic, and possible down to the ceiling and walls.
  — Wood under the shingles and on the roof, joists can rot, causing an expensive replacement.
  — Drywall and plaster are not meant to be wet, and the moisture can cause them to become weak. No one wants collapsing ceilings or walls.
  — Water can get into the home’s wiring, causing copper wires to degrade, and in turn causing an electrical short or even a fire. 

As soon as a leak is discovered, repairing it yourself is fine if done correctly.  You may be pleasantly surprised at how easy it can be for a pro to stop a small leak, and the price of the repair will not be very high.  However, the cost of a professional making a repair to a leaking roof cannot compare with keeping your home’s largest and most important structure safe and sound as well as keeping your family safe and healthy. 

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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Photo credit: remedy roofing

Today, when news travels about a Homeowner’s Association (HOA), the news is not positive.  Owning a home in an HOA has many benefits, however!  Home hunters must remember that living in any managed property is a choice, so doing the “home” work is vital to being certain you are in the right home for you and your family. 

• When you purchase a home in an HOA, an organization that creates and enforces rules in a subdivision or condominium, by default you are a member of that HOA and must pay fees and follow their bylaws.  
• HOAs have rules and bylaws in place to protect property values, as well as to maintain a certain quality of life for the homeowners.  

• Do not think about living in an organized community as a place that keeps homeowners from expressing themselves in their landscaping or house’s exterior.  It is more about protecting your investment because of the home-maintenance regulations. You will appreciate this if you ever decide to sell the home. 
• While searching for houses online, read the listing information carefully, and if the property is in an HOA, you will find the association’s name as well as the neighborhood’s fees. HOA fees can be high, but in comparison with what amenities they offer, it could save you money in the end. 
• Performing an internet search for the specific name of a community should result in finding their website, complete with photos of homes and amenities.  Some HOAs offer a readable file with more specific information, such as the community bylaws, covenants, restrictions, and fees.  
• Not all HOAs are the same:  amenities vary from community beautification, playground, swimming pool, or tennis courts to a neighborhood walking path or gym. 
• Some associations provide security, trash pick-up, pest control, as well as street sweeping and snow removal.  

• Choosing to live in a condominium community may be more to your liking: the HOA usually handles all landscape maintenance, as well as exterior home maintenance.  You are responsible only for the interior of your home.  
• The organization’s board members live in the neighborhood, so they are aware of needs specific to the area and can better handle solutions to any problems. 

Do not pass on a home just because it is in a homeowner’s association community. Do careful research, talk to residents in the neighborhood, and ask your Realtor, as they are your first source for community information. There are many different aspects to different organizations and finding the right one for you and your family just takes a little research and thought. 

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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Photo credit: HOA Management

House hunters have many expectations when they are looking for a new home. Most sellers usually have made themselves at home, and love many aspects about it, but not all buyers would agree. Do not hurt your home’s sale with these: 

• Nothing shouts “Don’t buy me!” more than an unkempt yard!  If nothing else, keep the grass cut and weeds and shrubbery trimmed. Put a bit more effort into it, and put down fresh mulch in the flowerbeds, and add a pot of flowers to the top step. 
• No one wants to walk into a house with plastic storage containers stacked up in each room “hiding” the seller’s clutter. When you declutter, get rid of things, or put them in storage if you cannot part with them. Your rooms will appear larger without a lot of stuff in them. 
• Touring a house that has a grimy stove or mildewed bathtub caulking is a huge turn-off:  no one wants to move into a dirty home. If you cannot find the time to clean the house spotless, hire a professional to do it. 

• Natural light is important to most home buyers, so window treatments that block light need to come down, cleaned, and stored for moving. Add sheers, blinds you can open, or pull the shades up completely when you know the house is being shown. 
• Items such as rodent traps or insect baits, should not even be an option for you. If you know you have mice or insects in your home, have them exterminated before you put a sign in your yard.  
• Wall-to-wall carpeting is not as appealing to buyers today as it was in the past. If you can afford it, remove carpeting that is hiding hardwoods and spruce them up. No hardwood? Have the carpets professionally cleaned, and if you really need to sell, offer a new carpet credit to buyers. 
• When you know about a problem and don’t bother to make repairs–think dripping faucets or cracked windows–buyers will not be impressed with your house, and if they’re remotely interested, offers won’t be close to your asking price. 
• Any unpleasant odors will put off most people, and homebuyers will wrinkle their noses as soon as they walk in. Cleaning is important to remove dirt, but you need to clean for odors, too. Follow these tips from realtor.com® for removing any funky smells from your home. 

The impression your house makes on potential buyers largely depends on you. Salespeople of all kinds must make a pitch to draw the buyer in, then grab and keep their attention. The effort you put forth will show in the feedback and offers you will receive. In the case of selling your home, sweat the small stuff! 

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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Summer is here and that means grilling out, fun in the sun, cooling off in the pool, and mowing grass! If that last activity causes some angst, you are not alone! There are ways to keep your lawn looking great without filling so many of your precious hours at home with yard work! 

• Planting the right grass:  If you are planning on creating a lawn, whether by sodding, plugs, or seeds, find the type of grass that will grow best in your region for best results.   
• Water correctly:  Not sure how much water your sprinkler is delivering? Set out tin cans (tuna cans work well) and keep an eye on their water level.  You will soon figure out how long you need to leave the water on for your grass to get what it needs (about 1-2 inches per week). 
• Feed less often:  Applying fertilizer twice per season is best:  Spring and mid-Summer. Fertilizing too much will cause growth, which causes more mowing!  Spread fertilizer when the grass is dry, so the grains do not stick to damp blades and burn the plant. 

• Maintain the mower:  Keep your mower’s blades sharp, as a dull blade leaves a jagged edge, which causes yellowing, and the need for more water. 
• Know the magic number:  Different grasses require different cutting heights, and no more than one-third of that optimum number should be cut each time you mow. 
• Let it grow:  Want less weeding and watering to do in your manicured lawn? Longer blades not only help shade the soil and retain moisture, but they do not allow weeds to get sunlight, or at least keep their growth to a minimum. 
• No raking needed:  Using the mulching feature as you mow will allow the clippings to be cut well enough to leave on the lawn and become fertilizer as they decompose. 

Lawn maintenance does not have to take up all your free time each weekend.  Taking more time to relax your habits for yard work will allow more time for relaxing in general so you can enjoy the yard you have put time and energy in! 

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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