And if you want to skip the contractor? There’s a financing option for that, too. Let’s talk EasyPath™ Renovation.

What is EasyPath™ Renovation?

EasyPath is a program that allows you to roll your mortgage and renovation costs together, without having to hire a contractor or make big purchases on your credit card. Designed for home updates completed through major retailers like The Home Depot, Lowe’s, and Menards, EasyPath can be used with conventional renovation mortgages like CHOICERenovation^® and CHOICEReno eXPress^®.

6 perks of taking the EasyPath:

• Loan amount can be based on the projected value of your home after renovations
• Leverage the same interest rate as your home loan instead of your credit card
• Down payments as low as 3% to 5% for purchase transactions
• Purchase and refinance transactions are eligible
• Cardinal makes 100% payment to the retail store to purchase and install the project
• Fixed and adjustable rates available

When is EasyPath the right choice?

Whether or not EasyPath is right for you comes down to your timeline and the scale of your projects. If you’re looking for a faster financing process, EasyPath typically takes less time than working with a contractor. While you save time by eliminating the contractor search and independent quoting process, it also means that larger projects aren’t ideal for EasyPath. The bigger and more complicated the renovation project, the more likely you are to need a specialized contractor to handle it.

The EasyPath process, explained.

With traditional home renovation loans, you have to find a contractor and have your lender verify that they’re qualified for your planned renovations before you do anything else. With EasyPath, you get to skip that part. Here’s how it works:

Step 1: You visit an eligible big box chain store and complete a bid.

Step 2: Next, Cardinal’s Renovation Support Team reviews the bid, consults with the store, and orders an appraisal.

Step 3: Finally, the appraisal is completed based on the projected value of your home after the renovations are finished.

Bonus home renovation loan tips.

If you hadn’t noticed by now, you’ve got a lot of options when it comes to home improvement financing. Whether EasyPath is the right one for you or not, here are some tips to keep in mind before you apply for a home renovation loan.

• Budget for the unexpected
• Get multiple bids to find the best price
• Don’t try to do it all yourself
• Tackle one project at a time

When you’re ready to start your home renovations, we’re here to help finance them.

Want the perks of a home renovation loan without the process of hiring a contractor? EasyPath™ Renovation might be your solution.

The post Home Renovation Loans: 6 Reasons to Take the EasyPath™ appeared first on Cardinal Financial.

Decluttering Your Garage: The Ultimate Guide

• Start by taking everything out
• Don’t delay repairs
• Clean from the top down
• Designate the space for a specific use
• Maximize vertical space
• Consider resale value

Start by taking everything out

You can’t properly clean the nooks and crannies of your garage without removing all the clutter. This is also a chance for you to take inventory of everything in your garage, and get rid of what you no longer need. If you feel a sentimental attachment to items that you know you won’t use, consider thoughtful ways of rehoming them as opposed to simply throwing them away or leaving them to take up space in your garage.

Most items in working condition will gladly be accepted by local donation centers. But, you can also start closer to home. While you’ve got everything out, ask your friends, family, and neighbors if they’d like to stop by and claim anything you’re looking to rehome. Alternatively, a classic yard sale can provide the same function while also bringing in some spare cash. Win-win.

Don’t delay repairs

As you’re decluttering your garage, you may find areas that need repair. Whether it’s spackling a hole in the wall or fixing that glitch in the garage door, don’t wait to fix problems big or small. Make repairs while the damaged areas are easily accessible and not blocked by clutter.

Clean from the top down

This one is simple physics. Any dust and grime you displace while cleaning will inevitably make its way down, so save yourself the trouble of recleaning lower areas by starting from the top. Floors should be the last thing you clean.

Designate the space for a specific use

One of the biggest reasons our garages get so cluttered is that they often default to a catch-all for anything we’re not sure where to put. And while traditionally the answer to “What should I use my garage for?” might be obvious—cars, right?—in reality, most households will need the extra space for other purposes.

To help declutter your garage, you’ll need to narrow down those purposes. Is it primarily storage? Then consider investing in a full organization system to maximize the space. Is it your home gym? Prioritize placing equipment where you need it, and find somewhere else for your odds and ends to live. Whatever you want your primary use for the garage to be, declutter and reorganize with that at the top of your mind. Having a clear goal will make the decisions of what to keep and where to put what’s left infinitely easier.

Maximize vertical space

Especially if your garage is serving multiple functions, you’ll need all the space you can get. The walls are your friends here. Maximize vertical storage space with shelves and hooks to keep as much of the floor clear as possible for larger items that can’t be stored vertically.

Consider resale value

Understandably, no one is eager to drop a significant chunk of change on decluttering a garage. And if a thorough cleaning is all that’s in your budget this time around, that’s absolutely fine! However, any home upgrades you make to your garage—such as installing a new storage system, replacing flooring, or even a fresh coat of paint—can increase your home’s value. 

That means not only could you make money back when you sell your home, but you could also find yourself with more home equity. That home equity can be leveraged for new rates, better terms, or even cash out when you refinance your mortgage. 

Pro Tip: Your home loan can also finance your home upgrades. Check out our renovation loans to learn more.

Decluttering Garage: Bonus Tips

No garage decluttering guide would be complete without some bonus tips. Try these extra strategies to make the most out of your garage spring cleaning efforts:

• Some items, like papers and electronics, need a more temperature-controlled environment than a garage typically offers. Understanding what NOT to store in your garage can go a long way toward preventing clutter (and damage to your belongings).
• Add a floating shelf to the ceiling. In addition to vertical space on your walls, if you have enough room overhead, you can consider installing a durable metal shelf suspended from the ceiling (picture it like an upside-down table). Just make sure you adhere to weight limits and install it with care to prevent any accidents.
• Whether you’re using bins, bags, drawers, or something else to keep things organized, make sure you label everything according to its contents. Not only will it make items easier to find, it will also encourage you to stay organized in the long term.

Any home upgrades you make to your garage—such as installing a new storage system, replacing flooring, or even a fresh coat of paint—can increase your home’s value.

The post Decluttering Your Garage: Spring Cleaning Tips and Tricks appeared first on Cardinal Financial.

10 Holiday Hosting Tips for a Stress-Free Season

• Prep as much food as possible
• Declutter
• Stock up on snacks
• Invest in a coat and shoe rack
• Delegate hosting duties
• Create a help-yourself beverage station
• Strategize sleeping arrangements
• Designate a guest bathroom
• Display the Wi-Fi password
• Focus on functionality

1. Prep as much food as possible

The holidays are full of delicious traditional dishes. Unless you’ve got a Michelin-grade kitchen, you’ll likely not have the space to prepare them all at once. Luckily, there are plenty of prep steps you can take care of in advance to save holiday hosting time and stress.

Holiday Food Prep Ideas

• Cookie dough can keep for up to 5 days in the refrigerator, and even longer in the freezer.
• Get your vegetable chopping out of the way the night before (save aromatics like garlic and onion for the day of, though).
• Store-bought really is fine. If you can find a great-tasting store-bought substitute for a homemade dish (or even just part of it, like pie crust) we say go for it. Just be mindful of ingredients in case you have guests with food sensitivities.
• Assemble salads ahead of time, but hold off on the dressing until ready to serve.
• Soup is easy to dress up as an appetizer or first course for any occasion, and it can easily be made ahead of time and reheated for your holiday meal.

Pro Tip: Stun with these festive side dishes that are ideal for making ahead.

2. Declutter

This one might seem a little counterintuitive with all your festive decor. But, decluttering non-seasonal items in anticipation of guests can help your space feel less crowded. And from a practical standpoint, with guests squeezing past each other and kids running around, you’ll want to keep breakables out of the way.

3. Stock up on snacks

One of the easiest strategies to take stress out of your holiday hosting is to have plenty of snacks on hand. That way, even if meal prep takes longer than you planned or guests arrive earlier than expected, there’s no rush to finish cooking. Guests can graze on cheeseboards, dips, and more while you focus on the main course or simply enjoy the holiday.

4. Invest in a coat and shoe rack

Even if you have a coat closet, winter layers take up a lot of space. To avoid a pile of coats on your bed or shoes kicked off by the door, invest in a standalone coat and/or shoe rack that fits in your entryway. It’s one of the less glamorous holiday entertaining ideas, but it’ll save everyone the confusing coat shuffle at the end of the night.

5. Delegate hosting duties

The holidays are a family affair, and hosting them should be, too. While we understand the urge to do everything yourself to ensure it’s exactly as you envisioned, don’t be afraid to delegate some hosting duties this holiday season. Assign dishes for guests to bring, put your partner on clean-up duty, or have your kids direct guest gift placement under the tree. There are lots of small ways to lighten the load.

6. Create a help-yourself beverage station

Save the fancy cocktails for smaller parties, and leave beverages in your guests’ hands so you can focus on actually enjoying the holiday. Pre-made punch, hot coffee in an insulated carafe, and canned non-alcoholic beverage options placed out for guests will give you one less thing to worry about while hosting.

7. Strategize sleeping arrangements

One of the (literal) biggest perks of homeownership is that you might have more room for guests than you would in an apartment. But, if you’re hosting multiple people overnight, you’ll likely still need to get creative with the sleeping arrangements. A group setup in the living room with sleeping bags can be a great solve for kids, and for those who need a little more support, air mattresses are a tried and true space saver. And when you run out of space, it’s not impolite to ask guests to opt for a hotel rather than your home.

8. Designate a guest bathroom

Save yourself some frantic cleaning of your entire house and designate specific areas for guests—especially a bathroom. Stock it well with plenty of toilet paper, clean towels, and toiletry essentials. It’s also helpful to keep an easily accessible laundry hamper in the guest bathroom to spare your guests any uncertainty as to what to do with used towels and washcloths.

9. Display the Wi-Fi password

Whether you’re hosting for the day or planning on overnight guests, the one thing you can count on is someone asking for the Wi-Fi password. Save yourself the hassle of answering the same question multiple times and display your Wi-Fi password where it’s easily visible to guests, such as on the fridge or in the entryway.

10. Focus on functionality

Holiday aesthetics are a lovely touch to your festivities, but don’t burn out trying to execute all those ambitious Pinterest holiday entertaining ideas. Ultimately, all that you and your guests need to nail holiday hosting is food on the table, a place to put your stuff, and each other’s company. Anything else you manage to get done is just the ribbon on the wrapping paper. Happy holidays!

Ultimately, all that you and your guests need to nail holiday hosting is food on the table, a place to put your stuff, and each other’s company.

The post Holiday Hosting Tips to Keep Things Festive and Stress-Free appeared first on Cardinal Financial.

Top 10 Fall Decorating Ideas 2024

• Jewel tones
• Copper metallics
• Warm neutrals
• Textured touches
• Dried floral arrangements
• Fairy lights
• Front porch displays
• Personalized pumpkins
• Foraged accents
• Rustic elements

Jewel Tones

When we think of fall decor, shades of red, yellow, and orange tend to dominate. You don’t have to limit your palette if you don’t want to, though. Jewel tones of any color—particularly purples and blues—can balance those warmer shades and add a touch of elegance to your fall vibe.

Copper Metallics

Silver and gold are classic holiday metallics, but don’t overlook copper when it comes to your fall decor inspo. Vases, candle holders, and even copper garlands are great ways to add some shine to your 2024 fall decor. Your table settings are another easy way to incorporate this 2024 fall decorating idea. Start with copper napkin rings and serving dishes, and see where it takes you.

Warm Neutrals

You can never go wrong with neutrals. This fall, try infusing some extra warmth into your space with tans, off-whites, and chocolatey browns to balance out your more colorful accents. Neutral throw blankets, pillows, and table runners are easy ways to create a calming, inviting atmosphere in your home.

Pro Tip: If you’re putting your home on the market during the holidays, keeping your seasonal decor neutral is key. Potential buyers should be able to easily see themselves in the space.

Textured Touches

Texture isn’t just about a physical feeling—it also adds visual dimension to your decor. We often associate furs, velvet, and satin with the winter holidays. So, which textures will help your home reflect the harvest season? When in doubt, take a rustic approach. Woven textiles, natural wood, and leather are a great place to start. And of course, don’t forget the cozy flannels.

Dried Floral Arrangements

If there’s one downside to fall, it’s that most fresh flowers are not in season. But that doesn’t mean your home has to be devoid of blooms. Dried floral arrangements not only add a rustic, seasonal touch to your decor, but they also have one important advantage over fresh flowers: There’s no maintenance required.

Fairy Lights

There was a time when we associated fairy/string lights with freshman dorm room decor, but in 2024, they’re making a major comeback in our (sort of) grownup homes. Whether you’re stringing them in a canopy over your porch, using them to fill mason jars, or adding a glowing touch to your Thanksgiving centerpiece, neutral string lights have endless applications. Plus, you can reuse them for your winter holiday decor.

Front Porch Displays

Whether you’re hosting for the fall holidays or just want to warm up your neighborhood, your front porch is a great place to flex your fall decorating ideas. Decorative hay bales, seasonal produce, and a festive fall wreath on your front door can create a cozy, welcoming feel to your home from the outside in. You can even give your front door a fresh paint job in a seasonal color of your choice.

Personalized Pumpkins

Halloween might have the rights to classic pumpkin carving, but this iconic autumn vegetable (or fruit, if you want to get technical) has plenty of post-October potential. The possibilities are endless, but here are a few ideas to get your gourd going:

• Apply decals of your house number to a large pumpkin and display it on your porch
• Fill vases and bowls with miniature pumpkins or place them along your table runner
• Get the kids involved with handprint turkeys, using a pumpkin as a canvas
• Use your favorite fall leaves to create stamps that can be applied to pumpkins
• Stack your pumpkins for a festive fall topiary display

Foraged Accents

It’s easy to get wrapped up in all the purchases the holiday season entails, but you can actually find plenty of fall accents outside for no cost at all. This is also a great outdoor activity to enjoy with your children. On your next walk or hike, keep a lookout for colorful leaves, pinecones, acorns, non-toxic berries, and even fallen branches that can be incorporated into your home decor. 

Rustic Elements

Rustic elements can make any space feel warm and cozy, which is exactly what you want for your fall decorating in 2024. Even if farmhouse chic isn’t your style, there are plenty of subtle ways to incorporate rustic elements into your home. Try burlap bows around your vases or candles, simple wood branches in your botanical arrangements, and classic patterns like plaid and gingham throughout your space.

Bonus Fall Decorating Ideas for 2024

One of the biggest perks of owning your own home is that you can decorate it however you want. So, don’t feel limited by traditional seasonal decor themes. If you’re looking for some alternative fall decorating ideas for 2024, here are a few concepts to get you started. Have fun!

• Barbiecore Fall: Go all out with pinks, purples, and sparkles. Paint your pumpkins in bright colors, or glam them up with rhinestone adhesives. You can even turn your pumpkin into a fall disco ball with mirror tiles, or mix in mini disco balls with your mini pumpkin vase fillers.
• Gothic Fall: If you wish Halloween lasted longer, this one’s for you. A classic black-and-white theme can be incorporated in endless ways, from black-and-white plaid throws to black serveware placed on a white table runner. And of course, you’ll need lots of candles.
• Beach House Fall: Missing warmer weather? Try incorporating beachy elements in your autumn decor. From conch shells as cornucopias to sea glass in your pumpkin-filled vases, fall doesn’t have to feel far from the beach.

One of the biggest perks of owning your own home is that you can decorate it however you want. So, don’t feel limited by traditional seasonal decor themes.

The post Our Favorite Fall Decorating Ideas for 2024 and Beyond appeared first on Cardinal Financial.

Home Disaster Recovery for Hurricanes Helene and Milton

On September 26 and October 9, 2024, Hurricanes Helene and Milton made landfall in the southeastern United States. Before we dive into our general disaster recovery information, you can find timely resources for ongoing hurricane recovery efforts below.

For those in need of assistance:

• Florida FEMA assistance
• North Carolina FEMA assistance
• South Carolina FEMA assistance
• Georgia FEMA assistance
• Tennessee FEMA assistance
• Virginia FEMA assistance
• Hillsborough County FL available resources
• Disaster unemployment benefits

For those looking to provide assistance:

• Donate supplies, blood, and more through ongoing drives
• Become an American Red Cross Disaster Volunteer
• Explore Asheville, NC volunteer opportunities
• Start training to become a certified Disaster Rebuild Team member through Habitat for Humanity

If you’ve been impacted by the latest hurricanes, we hope you’re staying safe and finding the aid you need to get back on your feet.

Homeowners Insurance

Your homeowner’s insurance is one of the most important tools you have when it comes to home disaster recovery. Contact your insurance provider as soon as possible to report the damage. Before making the call, take some time to review your insurance policy to understand what’s covered and any deductible you may need to pay.

When you’re ready to file a claim, give your insurance company all the necessary documentation, including photos and videos. Be as detailed as possible when explaining the damage. If your home is uninhabitable, your insurance may cover temporary housing. Ask about this when you contact your provider.

FEMA (Federal Emergency Management Agency)

If the disaster is declared a federal emergency, you may be eligible for FEMA aid. This can include grants for temporary housing, home repairs, and other expenses. On FEMA’s website, you can apply for assistance, find Red Cross shelters and FEMA Disaster Recovery Centers (DRCs) near you, and check to see if the disaster that impacted you has been declared a federal emergency. Keep in mind that you can only apply for FEMA assistance if your home was damaged during an officially declared federal emergency, and given the time it takes to apply, they are unable to provide immediate emergency services.

Local Non-Profits

If you don’t qualify for FEMA assistance or you need immediate aid while you wait for your FEMA application to process, your local non-profit organizations are a valuable resource. The exact services available to you will depend on your location, but most residential areas will have organizations of all kinds that are acutely aware of the area’s needs. If you’re not sure where to begin, you can search for non-profits in your area via GuideStar.

Local non-profits are all about helping the community, so even if the service they provide is not directly applicable to disaster relief, there’s a good chance that in the wake of a disaster, they’ll be organizing efforts to assist in whatever way they can. From cleaning supplies to temporary shelter, you may be able to find many of the things you need throughout the recovery process right in your community.

Speaking of community, much of the aid after a disaster comes not from any particular organization, but from your neighbors and your personal network. Don’t be afraid to ask people you know for help, and how you can help them in return. It takes a village.

Natural Disaster Cleanup Resources

Once you’ve contacted your insurance and received the go-ahead, you can begin cleaning up. Before you start, make sure you wear protective clothing like gloves and masks. In addition to safety gear, the following is a list of common supplies you’ll need to tackle clean-up. Many of these can be sourced through local non-profits or by starting a supply drive on social media. Amazon wish lists are also a great way to let people know exactly what you need and have it sent directly to you.

Home Disaster Recovery Cleanup Supplies

• Heavy-duty storage totes and buckets
• Wet vacuum 
• Tarps
• Generators and fuel
• Wire brushes
• Shovels
• Brooms and mops
• Crowbars
• Bleach
• Vinegar
• Flashlights and batteries

Rebuilding Resources

When it’s time to start rebuilding or repairing, it’s important to consider ways to make your home more resilient to future disasters. Talk to your contractor about using disaster-resistant materials like impact-resistant windows, reinforced roofing, or fire-resistant siding, depending on the type of disasters common in your area. If you’ve experienced flooding, consider raising electrical outlets, using water-resistant materials for walls and flooring, and installing sump pumps. Organizations like All Hands and Hearts specialize in rebuilding efforts post-disaster, and may be able to help you with repairs.

You may also qualify for an FHA 203(h) loan. This disaster relief home loan helps victims of major disasters recover by making it easier for them to obtain a mortgage or re-establish themselves as homeowners.

Natural Disaster Prep for the Future

After the dust has settled on your home disaster recovery, it’s important to start planning for the future. Disasters can happen at any time, so taking proactive steps now can save you time, money, and stress later. If you haven’t already, this is the perfect time to review your homeowner’s insurance policy. Make sure it covers the types of natural disasters that are common in your area, from floods to fires to earthquakes.

An updated home inventory is also essential for faster and more accurate insurance claims. Go room by room and document everything you own that could be covered by insurance. This can be done through photos or videos, but be sure to save the inventory somewhere that can be recovered if your personal devices or physical files are damaged, like cloud storage.

No matter where you live, having an emergency kit on hand can make all the difference during a disaster. Stock it with essentials like:

• Water (one gallon per person per day for at least three days)
• Non-perishable food
• First aid kit
• Flashlight and extra batteries
• Medications
• Important documents (stored in waterproof containers)

Home Disaster Recovery: Key Takeaways

Recovering from a natural disaster is never easy, but with the right steps and support, you can get back on your feet and rebuild stronger. As a homeowner, taking precautionary steps now can make future disasters less devastating. Take time to prepare your home, review your insurance, and create an emergency plan for your family. And when the worst happens, don’t hesitate to ask for help from all the people, organizations, and community networks at your disposal. Stay safe!

As a homeowner, taking precautionary steps now can make home disaster recovery easier in the future.

The post Your Home Disaster Recovery and Prep Guide appeared first on Cardinal Financial.

5 Easy Summer Home Improvement Ideas

• Pressure-wash exteriors
• Install screens around your back porch
• Build a tree bench
• Refinish your deck
• Build a shed

1. Pressure-wash exteriors

Over time, dirt, grime, and mildew can build up on your home’s exterior, making it look dull and dingy. Pressure washing is an easy and effective way to bring back its original shine. Here’s how to get started:

• Rent or buy a pressure washer: If you don’t own a pressure washer, you can rent one from most hardware stores. Make sure to choose the right pressure setting to avoid damaging your siding.
• Choose the right detergent: Depending on your siding material (vinyl, wood, brick, etc.), use a suitable detergent. Many pressure washers come with recommendations.
• Stay safe: Wear protective gear, including goggles and gloves. Also, be mindful of the pressure washer’s force to avoid accidents. Tempted to cool down with a quick spray? Think again.
• Master the method: Start from the top and work your way down in a smooth, sweeping motion. This prevents streaks and ensures a thorough clean.

After a good wash, your home will look almost brand new, boosting its curb appeal significantly. Plus, your exteriors will dry faster thanks to the summer sun.

2. Install screens around your back porch

Porch screens are a good investment to enjoy your back porch all year round. Not only do they provide some temperature regulation, but screened porches also reduce the amount of bugs and other pests that can invade your outdoor space. Plus, if you have indoor pets, screened porches are a great way to safely give them a taste of the outdoors. As for the screen installation, it’s simpler than you might think. This guide has everything you need to know to handle this easy outdoor DIY project.

3. Build a bench

There’s nothing like relaxing in your own yard, watching the summer sunset with a cold drink in your hands. A bench strategically placed in the shade can take your relaxation to a new level. Building a bench is fairly easy, but of course, there are plenty of ready-made options out there if you’d rather not go the DIY route. You can make your bench as simple or as complicated as you want, but some basic materials you’ll need include wood (pine is a popular choice for outdoor furniture), screws, a drill, a circular saw, and a measuring tape.

Need some bench inspo? These popular styles offer options for every DIY skill level:

• Super simple wood bench
• Bench with storage
• Arbor bench

4. Refinish your deck

A well-maintained deck is perfect for summer BBQs, gatherings, or unwinding in solitude with a good beach read. If your deck is looking a bit worse for wear, refinishing it can make a world of difference. Here’s how:

• Clean thoroughly: Remove any debris and give your deck a good scrub with a deck cleaner.
• Sand the surface: Use a power sander to smooth out any rough spots and remove old finish. This will also help the new stain adhere better.
• Apply stain: Choose a stain that suits your deck’s wood type. Apply it evenly with a brush or roller, following the grain of the wood.
• Seal the deal: Once the stain is dry, apply a sealant to protect your deck from moisture and UV rays.

Pro Tip: Don’t have a deck? Here’s how to build one: How to Build a Deck.

5. Build a shed

Building a shed is a great storage solution and summer home improvement project to consider, and potential buyers down the line are sure to appreciate the addition. Here’s a simplified outline to get you started:

• Plan and permit: Check local regulations for permits. Design your shed based on your needs and space.
• Choose your foundation: Choose between a concrete slab or a gravel base. Make sure it’s level and sturdy.
• Frame the shed: Construct the walls and roof using treated lumber. Assemble them on the ground and then raise them into place.
• Install siding and roof: Use weather-resistant materials for the siding and roofing. Ensure everything is properly sealed.
• Add doors and windows: Install your doors and windows, making sure they are weatherproofed.

Pro Tip: If you’re looking for a simple shed with minimal customizations, you can also purchase pre-built sheds at most hardware stores.

Financing your summer home improvement ideas

Did you know that your mortgage can actually help you finance your summer home improvement ideas? In addition to renovation loans like FHA 203(k), Cardinal Financial offers EasyPath Renovation. This program is designed for small-scale renovations like the projects discussed above. In a nutshell, you can combine it with a renovation loan and complete your projects through a major retailer like The Home Depot, Lowe’s, and Menards. You can find the full breakdown on EasyPath here. Happy renovating!

Home improvements aren’t just a fun way to spend the extra hours of summer daylight—they can also boost your home’s value and increase curb appeal.

The post 5 Summer Home Improvement Ideas to Try This Season appeared first on Cardinal Financial.

1. Give it a good clean

The outdoor surfaces of our homes often don’t get the same amount of love as the interior when it comes to cleaning. After all, it’s inevitably just going to get dirty again. All that dust and dirt builds up though, so consider investing in a heavy-duty cleaning before listing your home. Pressure washing your driveway, siding, and porch can make a noticeable difference in your home’s appearance. Plus, it gives you a better idea of what else might need to be replaced or repaired to boost your curb appeal in other ways.

2. Repaint

You knew this one was coming. If the exterior paint on your home is looking a little worse for wear, we recommend a fresh coat of paint before you list your home. And if you don’t have the time or budget to repaint the whole exterior, consider making a statement by painting just your front door in an accent color.

3. Hang window boxes

Window boxes are long, narrow planters designed to showcase flowers or plants right below your window. You can find one that fits your style at most home and garden stores. Or, if you’re feeling crafty, gather up the supplies and build them yourself! Window boxes can add color, dimension, and charm to your home’s exterior and really dress up your outdoor space.

4. Don’t skip the landscaping

First things first, mow that lawn and prune your trees. And if the front of your house looks a little bare and boring, liven it up by planting flowers. We recommend perennials, not annuals, because perennials grow again in the spring without needing to be replanted. Annuals, on the other hand, must be replanted every year. Other factors to consider are the plant’s sunlight, shade, soil type, and water needs. It’s important to find out what kinds of plants would survive in your front yard and porch before you plant.

5. Hang potted plants and greenery

Speaking of plants, do you have a covered front porch? You could maximize that open space and hang planters from your porch ceiling. It’s a great way to improve your curb appeal and it adds dimension, drawing eyes upward. Get creative and hang planters of different colors, sizes, and shapes that reflect your home’s personality. Take the look a step further by planting draping greenery like ivy or pothos plants.

6. Give your mailbox a makeover

Paint your mailbox to match your front door. Plant flowers at the base of the mailbox post. Sand and varnish, repaint, or replace the post—the list goes on. There are countless ways to bring your mailbox to life and any one of these creative touches can make it stand out from the rest of the block. Just don’t go overboard personalizing it to the point that potential buyers couldn’t see it as their own.

7. Replace gutters and downspouts

Replacing gutters and downspouts might not be the most glamorous of updates, but it impacts your home’s curb appeal more than you might think. Even if your gutters don’t need to be fully replaced, cleaning and securing any areas that are not attached to the home properly will give your potential buyers one less thing to worry about in terms of the home’s functionality.

8. Replace hardware

From light fixtures to doorknobs to your address numbers, refreshing the finishes on your outdoor hardware can give your home an instant lift. This is also an easy DIY update that takes minimal time if you’re wondering how to boost curb appeal on short notice.

Any other tips on how to boost curb appeal?

Maybe the biggest rule of prepping your home for sale is to keep your decor choices—inside and out—neutral. Buyers should be able to envision the space with their own belongings and tastes, and that’s hard to do if your personal style is on display. When it comes to curb appeal, here are a few things to avoid:

• Lawn decorations
• Visible garbage/recycling cans
• Window decals

Sorry to your lawn gnomes, but it’s not their time to shine. For more tips on nailing your home sale or boosting curb appeal, reach out to our team anytime.

Whether you’re selling your home or you just want to put your best foot forward for your HOA, curb appeal can make a big difference in how your home is perceived.

The post How to Boost Curb Appeal in 8 Easy Steps appeared first on Cardinal Financial.

Top 10 2024 Interior Design Trends

• Statement lighting
• Quiet luxury
• Arches
• Yellow accents
• Biophilic design
• Velvet
• Monochrome rooms
• One-of-a-kind pieces
• Country western influences
• Colorful tiling

1. Statement lighting

If you’re on social media, you’ve probably heard of the Big Light Debate. If not, it’s essentially the dispute over what creates a better vibe in a room: One big light (typically an overhead light fixture) or a series of little lights (like lamps, string lights, and candles). In 2024, the little lights are winning by a landslide. 

Pro Tip: When it comes to selecting your little lights, vintage lamps are a great way to cultivate a unique look while embracing sustainability in interior design.

2. Quiet luxury

No, you don’t have to earn a high-end salary to participate in this trend. In fact, it’s a bit of a misnomer to call it a trend at all. Quiet luxury is all about selecting a few timeless pieces for your home that you can build the rest of your decor around. So, to cultivate this aesthetic, you don’t need to change many elements of your style. Take stock of what you already have and consider items you’ve been meaning to replace. Nothing against that fast furniture bookcase, but if it’s nearing the end of its lifecycle, maybe it’s time to replace it with a higher-quality piece that you can enjoy for years to come.

3. Arches

Angular lines are out, and curved silhouettes are in. Luckily, arches can be introduced into your home without changing the architecture itself. Arched mirrors, headboards, and even painting an arched backdrop behind a focal piece of furniture are all fairly simple ways to try this 2024 interior design trend.

4. Yellow accents

Pantone’s 2024 Color of the Year might be Peach Fuzz, but yellow tones are having a moment, too. Especially in kitchens and bathrooms, a pop of the right shade of yellow can infuse your home with warmth, light, and energy. Accent walls, upholstery, and cabinetry are some popular ways to incorporate this sunny hue throughout your space.

Pro Tip: Yellow is a notoriously hit-or-miss color for interior design. Check out some tried and true shades to help guide your decision.

5. Biophilic design

We started seeing biophilic design gain popularity in 2020, and it’s still going strong in 2024. You don’t need a green thumb to bring elements of nature into your interior design, though. Plant-patterned wallpaper, curtains that allow in more natural light, and even simply incorporating nature-inspired hues of green can all help you achieve that post-hike happiness in your home.

6. Velvet

Texture has been having a moment for a while now, and this year’s star texture is velvet. Curtains, bedding, and throw pillows are some simple ways to introduce this trend in your space.

7. Monochrome rooms

This 2024 interior design trend is a marriage of minimalism and maximalism. You simply pick one, non-neutral color, and decorate an entire room (or corner, if you’re low on square footage) with solely that shade—from the walls to the furniture to the art. Pick any color you like!

8. One-of-a-kind pieces

The best part about this 2024 interior design trend is that you likely already have items around that can be used to incorporate it. That masterpiece your kid made that’s hanging on the fridge? Time to frame it and upgrade it to wall art status. Whether it’s vintage pieces, handmade items, or work from local artisans, one-of-a-kind decor is replacing cookie-cutter style this year.

9. Country western influences

It’s no surprise to learn that if Beyoncé’s doing it, we’re all doing it. Country western influences are trending in 2024. No need to go full cowboy mode if that’s not your style, though. Cowhide rugs, leather accents, and wooden furniture are some subtle ways to create that rustic feel.

10. Colorful tiling

Whether it’s on your floors, walls, or countertops, colorful tile is trending as a way to create a vintage aesthetic in any space. Shades of green, pink, and purple are popular choices, especially in your bathroom or kitchen.

2024 Interior Design Trends: What’s Out

What interior design trends should you avoid? Ultimately, whichever ones you don’t like. But if you’re looking to stage your home and want to boost your appeal for a younger buyer, you may want to avoid these dated decor trends.

• Ruffles
• Minimalism
• Coastal aesthetics
• Fast furniture

From throw pillows to accent walls, there are plenty of simple ways to incorporate design trends into your home this spring.

The post 2024 Interior Design Trends: 10 Ways to Upgrade Your Home appeared first on Cardinal Financial.

3 Key DIY Home Renovation Tips

• Decide which projects you’ll DIY, and which you’ll leave to the pros
• Budget for more than you think you’ll need
• Work on one project at a time

Decide which projects you’ll DIY

As a general rule, you’ll want to avoid DIYing projects that require permits (this will vary depending on where you live, so do your research before you start). Similarly, projects involving your electricity, plumbing, and HVAC system are better left to professionals. So, what projects can you DIY?

Demolition

As long as you take proper safety precautions, demolition is a home renovation project you can tackle yourself. Just don’t knock down that load-bearing wall, please. And if your home was built prior to 1979, make sure you test for lead paint and asbestos first.

Paint

A fresh coat of paint is a mainstay of DIY home updates. Choose your colors, cover your furniture and floors, and have fun. And if you don’t feel like taking on your whole home, simply painting your front door with a statement color can boost your curb appeal.

Fixtures and finishes

Swapping out light fixtures, switch plate covers, and cabinet hardware is a simple update that can make a big difference. All you really need to handle this one is the right screwdriver. Since fixtures and finishes are easy to swap out, this is also a good way to incorporate current home decor trends. If you don’t like the look or trends change, updating them again is a simple process.

Drywall (sometimes)

This one really comes down to how much confidence you have in your drywall abilities. Patching up a few holes is a skill every homeowner should have, but large-scale drywall projects are typically not worth the headache of doing yourself. So, if your whole home needs new drywall, call a pro. If it’s a small area, go ahead and DIY (if you want to, of course).

Budget for more than you think you’ll need

An evergreen home renovation tip? Expect the unexpected. That includes your budget, too. While you can save a lot of money by DIYing, you’ll still need to account for the costs of materials and tools in your budget—with wiggle room for any do-overs you may need. Luckily, your mortgage could actually help you finance those home projects. With a cash-out refinance, you can leverage your home equity for cash and use those funds to cover your renovation expenses.*

*Using your home equity to pay off debts or make other purchases does not eliminate the debt or the cost of the purchases, but rather increases the loan amount of your mortgage to be paid according to your new mortgage terms.

Work on one project at a time

Ready to practice mindfulness? One of the best DIY home renovation tips we can offer is to be patient. Tackle one project at a time so that if life happens and you need to pause, your whole home won’t be in disarray. Starting with just one project is also a good way to gauge if DIY is the right choice for you. Sometimes, the work just isn’t worth it and you may decide that professional renovations are a better fit going forward. No judgment here.

If you do opt out of DIY renovations, you may be able to use a renovation loan to roll your mortgage and project costs into one. This can help streamline the process, ensure your contractor is reliable, and lower your up-front renovation expenses.

Bonus DIY home renovation tips

Don’t hit the ground running with your home improvement ideas just yet. Before you go, here are a few bonus DIY home renovation tips to keep in mind.

• Stay flexible. Timelines, budgets, and visions may have to change as you go, so don’t stress if everything doesn’t go exactly to your original plan.
• Collect plenty of inspiration. Having a visual aid to guide your work usually results in a better finished product than freestyling it.
• Ask for help. DIY doesn’t have to mean actually doing everything yourself. Ask for your friends’ opinions on design options, host a house painting party, and make the most of your community resources.

Our top DIY home renovation tip? Understand which projects should actually be DIYed, and which are better left to professionals.

The post DIY Renovation Tips: What Should You Actually DIY? appeared first on Cardinal Financial.

Your 8-Step Fall Home Maintenance Checklist

• Tidy your yard
• Declutter your gutters
• Trim your trees
• Prime your lawn
• Store your equipment properly
• Prep your pipes
• Check your HVAC system
• Complete outstanding repairs

1. Tidy your yard

First up on your fall home maintenance checklist: Take a look at your yard and tidy as needed. Rake and bag the leaves, remove dead bushes, branches, and shrubs, and pull up any dead plants and weeds. If you have a composter, now is a good time to feed it with your lawn’s refuse and generate some nutrients for springtime gardening.

A note on raking: When it comes to raking leaves, less is more. You’ll want to leave a thin layer of leaves to provide nutrients for your lawn and offer winter hibernation habitats for frogs and other small creatures. Avoid more than 50% leaf coverage of your yard, though. With too many leaves, your grass will be smothered and soggy when spring rolls around.

2. Declutter your gutters

Decluttering: It’s not just for closets. Although it might be an unpopular task, cleaning your gutters is actually one of the best ways to take care of your home. After clearing leaves and debris from the gutters, don’t forget to check the downspouts and make sure a clear path exists for the snow to melt and drain away from the house.

3. Trim your trees

Our next fall home maintenance tip is to scan your trees for dead or low-hanging branches. Trim back any that are resting on the roof or brushing up against the windows and siding. If it snows in your area, it could weigh down these branches to the point where they snap and cause collateral damage to your home.

4. Prime your lawn

Next, take winter preparation a step further by aerating, fertilizing, and seeding your lawn. This way, you’ll be ahead of the game when the spring rains come. While you’re at it, eyeball the foundation of your home for any spots where the soil may be sinking. Filling those ruts now will help melting snow and ice flow away from the house and prevent potential water damage to your basement and foundation.

5. Store your equipment properly

Don’t wait until you need it to make sure your home maintenance equipment is stored and working properly. For lawnmowers and other gasoline-powered equipment, drain the fuel and store it in a safe container (fuel that sits in the tank for too long may cause corrosion). Assess your winter supplies and make sure you’re stocked up on basics like antifreeze, shovels, salt, and car window scrapers as needed.

6. Prep your pipes

Ah, the dreaded frozen pipes. To avoid this common cold weather issue, shut off your home’s exterior water lines before fall ends. If you have any outdoor hoses, drain and wrap them up and store them in your garage or another dry, indoor space. This is also a good time to drain your home’s hot water heater and clean out any sediment buildup. This task will increase the life of your hot water heater and make its water cleaner and safer to use.

7. Check your HVAC system

It’s easy to go long periods of time without examining your home’s HVAC system, but don’t skip this step in your fall home maintenance checklist. Winter is the busy season for HVAC professionals, so it’s a good idea to contact them now for preventative measures. This is also a great time to clean or change your air filter to improve your home’s air quality as well as your HVAC’s efficiency. If you have a working fireplace, have your chimney cleaned or your gas line inspected so you can relax and enjoy its warmth in the months to come.

8. Complete outstanding repairs

The last step on your fall home maintenance checklist is a bit of a catch-all. If you have any home repairs or projects underway, make sure these are complete before fall is over. Inspect your roof, windows, and doorways for gaps that could allow cold drafts to permeate. These can be repaired with simple caulk or could require more involvement, like window replacement. All these minor upgrades will help prevent hot air from escaping from your home and lower your winter utility bills.

Any other fall home maintenance tips?

We’ve provided some general home maintenance tips in this checklist, but your specific needs will vary based on your location and the unique features of your home. Older builds in colder areas, for example, tend to be more at risk for frozen pipes. If you live in a remote area where snow plows don’t service your neighborhood, stocking up on winter supplies may be your priority. Regardless of where you are, the most important things you can do as a homeowner are to have a plan, be prepared, and don’t forget to enjoy all the cozy activities the season brings. Pumpkin spice, anyone?

Spending a little extra time on home maintenance in the fall could help you save money on utilities and repairs in the winter.

The post Your 8-Step Fall Home Maintenance Checklist appeared first on Cardinal Financial.

Pro Tip: Creating a study space doesn’t have to mean remodeling. But if you want it to, your home loan could actually help cover those costs.

6 Kid-Friendly Study Room Ideas

• Optimize lighting
• Incorporate nature
• Minimize distractions
• Provide comfortable seating options
• Let your kid choose decorations
• Get creative with storage

Optimize lighting

The right lighting doesn’t just look nice—it can actually impact cognitive performance. Warm, natural light has been shown to increase productivity, improve moods, and increase creativity. And for those with sensory issues, harsher lighting can often be overstimulating. So, when setting up your kid’s home study space, aim for a room with windows and adjustable lighting (like lamps vs. overhead fixtures). Just don’t make it too dark, unless you’re looking to turn study time into nap time.

Warm, natural light has been shown to increase productivity, improve moods, and increase creativity.

Incorporate nature

From houseplants to leaf-patterned wallpaper, incorporating elements of nature in any space is a great way to make it more inspiring. Plus, caring for plants offers your kids opportunities to learn responsibility and gain some hands-on science experience. Win-win.

Pro Tip: Looking for beginner-friendly plants? Philodendrons, pothos, and succulents are all good options.

Minimize distractions

In a perfect world, you may be inclined to make your kid’s study room a device-free zone. But realistically, most homework is going to require the use of at least one device. So, minimizing distractions really comes down to the unique needs of your kid. After all, some might find a complete lack of stimulation to be more distracting than anything else.

• Opt for a white noise machine instead of music
• Choose a quiet part of the home to set up shop
• Create an easy-to-maintain organization system
• Make sure the study space has everything your kid needs before they get started

Provide comfortable seating options

A desk and chair are a given when it comes to study room ideas. But, it can also be helpful to give your kid seating options to break up the monotony of studying. That could be a beanbag chair in the corner for reading, a balance ball, or floor cushions for those projects that require more surface area than a desk can offer.

Pro Tip: Explore some of the best desk chair options for kids here before buying.

Let your kid choose decorations

Your kid’s home study space should be an environment they enjoy spending time in. So, as tempting as those Pinterest boards of cleverly themed study rooms may be, opt for decor your kid wants rather than any specific aesthetic. Keep in mind that whatever decor you go with should be budget-friendly and easily replaced to accommodate your kid’s changing interests.

Your kid’s home study space should be an environment they enjoy spending time in.

Get creative with storage

You don’t have to rearrange your whole home to create a great study room. It’s all about making the most of the space you already have. If your study area needs to have multiple functions, consider these space-saving study room ideas.

• Foldable desk
• Desk with built-in storage
• Loft bed with a desk underneath
• Wall mounted storage

Any other study room ideas?

You want to give your kid every advantage in their academics. Luckily, that doesn’t mean you have to stress over the details of their study space. Every student has different needs, and what’s important is to be there for them. Just like any other home project, a more aesthetic finished product isn’t necessarily worth blowing your budget. Whatever ideas you have for your kid’s home study space, make sure they’re involved with the process, too. It’s a fun bonding experience, even if it’s for a room where not-so-fun homework takes place.

Whatever ideas you have for your kid’s home study space, make sure they’re involved with the process, too.

The post Study Room Ideas for The Ultimate Kids’ Home Study Space appeared first on Cardinal Financial.

When it comes to home remodeling, the line between what you can do and what you shouldn’t do becomes a little blurry. If you’re thinking about maximizing your home’s square footage or tweaking a few things to optimize usage, you’re going to want to pay attention to the following home renovation tips. They’ll help you stay (mostly) sane during some of the more hectic periods of your upcoming project. 

1. Rushing into remodeling

First things first: Take it easy. Unless you’re a house flipper who just closed on an “as-is” home, and you need to start renovations ASAP, take some time to truly live in your home and get a better understanding of the flow. What you want and what the home needs may not line up exactly, and the last thing you want to do is start a remodeling project before realizing that maybe the original floor plans worked better before you blew out that wall. 

Beyond that, planning is key to project success. Unless you’re flush with cash, you’re probably not going to hire a contractor and start demolition in a short time span. Measurements need to be made, contractors need to be interviewed, plans need to be created, and things like paint, tile, and fixtures need to be picked out. Even a single room can take weeks or months of preparation.

2. Skipping research

Speaking of preparation, research is vital to your home improvement project. On one hand, that means measuring twice (or thrice), sketching out ideas, and perusing color palettes. There’s fun research—like looking at different fixture styles, and not-so-fun research—like crawling under cabinets to see if your pipes are PVC or cast iron. All of this will inform your remodeling project.

On the other hand, it means meeting with more than one contractor, gathering multiple bids, and setting your priorities straight. Here are some tips in that regard:

• Look for local builders who have been in business for several years, have in-house designers, and have plenty of reviews.
• Before scheduling contractor consultations, take some time to read their reviews (including the bad ones, because bad reviews don’t always mean bad contractors).
• Take note of everything, including how the contractor speaks to you during your consultation, whether or not they pay attention to your plans and ideas, and whether or not they show up on time.

3. Not documenting things

Have you ever refreshed TikTok accidentally, or heard a catchy song without remembering to write down the lyrics so you can look it up later? It’s a gut punch of a feeling, right? Knowing that something you liked is now lost to the void, and all you can do is hope that it turns up again someday.

Imagine that feeling with an expensive remodeling project. Don’t be afraid to keep a spreadsheet of products, prices, and contacts. If you come across tile you love, screenshot it. If a contractor scratches your floors, snap a photo.

Documentation can keep you organized, and organization can save your behind and your budget.

4. Choosing the lowest quote

A common rule of thumb is to collect three quotes from different contractors for any kind of project. New windows? Three quotes. New concrete slab? Three quotes. New floors? Three quotes. 

A common rule of thumb is to collect three quotes from different contractors for any kind of project.

Three should be your minimum, and you’ll likely have a high bid, a low bid, and a bid that falls somewhere in the middle. Don’t just choose the cheapest contractor—compare those quotes and consider what they may or may not include. Does the high bid include better quality fixtures? Does the low bid leave out something important? Does one contractor offer a multi-project discount?

While choosing the lowest bid might save you a few thousand dollars now, it could end up costing even more money down the line. Know this: According to the National Association of Home Builders, “more than 30% of all jobs home remodelers perform come from failed DIY projects”

5. Forgetting to budget

Remodeling is expensive. Even simple DIY projects can add up to hundreds of dollars, and more complex work can quickly balloon out of your control.

One of the best things you can do is to know your budget inside and out, and work with a contractor who will work with your budget. That isn’t to say you can’t interview contractors to get “ballpark” estimates, but they’ll be able to give you a better estimate if you come prepared with a number beforehand. 

Different resources (and opinions) exist on the matter, but consider this table before committing to the following project types:

Note: This table uses rough estimates from various resources, including HomeGuide and OpenDoor. We are not affiliated with these resources, and homeowners should perform due diligence on their project estimates before agreeing to anything. 

6. Working without permits

Depending on the scope of your project, and depending on your city’s requirements, permits may be required for your remodel. Those permits may be pricey, and they may even be a hassle to obtain, but they are a must if you want things documented (remember that part?) and done right. 

Electrical work, plumbing, and wall removals will often require permits, largely because any of those three things could have disastrous consequences if done incorrectly. Permits are supposed to help ensure the safety and compliance of your projects, in accordance with local zoning ordinances. 

Consequences of working without a permit include, but aren’t limited to:

• Future buyers backing out of a sale
  • Permits are recorded and tied to your home’s deed. If the projects you complete aren’t recorded, buyers may be wary of what lurks behind the walls of your unpermitted projects.
• Having to tear out and restart the work
  • Building authorities may force you or your contractor to start from square one if they discover unpermitted electrical and plumbing work, which could set your budget back by thousands of dollars.
• Homeowner’s insurance not covering damages
  • Picture this: You want an open floor plan, so you hire someone to remove a wall between your kitchen and your living room. Lo and behold, the ceiling caves in because the wall was load-bearing. Because the work was completed without a permit, your homeowner’s insurance may not cover the substantial damages—leaving you with a hefty mess and an even heftier repair bill. 

7. Chasing trends and clashing styles

Just because it’s pretty, doesn’t mean it belongs in your home. Homes come in many architectural styles—including Victorian, Colonial, Mid-Century Modern, Contemporary, and more. Different styles come with their own defining characteristics, and today’s trends may not always fit your home’s established style. 

For example, a modern door may not match a Colonial home. Likewise, Art Deco design may not jive with a Tudor home. And all-black everything could diminish the charm of your newly purchased Cape Cod cottage. 

Instead of chasing trends, consider design elements that enhance the existing beauty of your home. After all, trends change frequently—the last thing you want is to lose resale value because 2023 was the year of plaster. 

Instead of chasing trends, consider design elements that enhance the existing beauty of your home.

8. Changing plans (too often)

Hey, we get it—sometimes that tile you really loved doesn’t quite fit the space the way you imagined. Short of minor changes to superficial things like paint and tile, it’s best to stick to the plans your designer and contractor drew up. After all, it’s what you’re paying them for, and major deviations to those plans—meaning structural changes and heavy design alterations—could increase your costs and frustrate your contractor. 

A good contractor will walk through the plans with you multiple times before work starts, giving you ample time to adjust before materials are ordered. They may even bring you in for a look before installing something, just to get a gut check. These are your opportunities to make changes, not after tile has already been grouted into place. 

9. Sidestepping safety

Permits, which we talked about earlier, are one element of creating a safe work environment. Here are some other ways you can protect yourself and others when remodeling your home:

• Wearing PPE (gloves, safety glasses, masks/respirators, hardhats, etc.)
• Using fans to help evacuate chemical fumes
• Hanging or laying down plastic sheeting to capture dust and debris
• Disabling electricity at the breaker before beginning demolition
• Testing for asbestos and lead paint (important for older homes)
• Keep your hands clear of sharp objects

Following these home reno tips can help everyone working in your home safe. If the contractor you hired isn’t following these safety precautions, bring it up. There’s no such thing as “too safe” when it comes to protecting yourself, your family, and your investment. 

10. Ignoring your gut

If you ever feel like the numbers aren’t adding up, don’t like the way something is being handled, or think something isn’t quite right, don’t be afraid to listen to your gut and voice your concerns. A good contractor will either listen to your concerns, or explain why alterations had to be made. Ultimately your home’s renovation is just that: your home’s renovation, not anyone else’s. Your gut instincts may protect your investment. 

The post Top 10 Home Remodeling Mistakes to Avoid appeared first on Cardinal Financial.