Remodel Archives | Cardinal Financial https://www.cardinalfinancial.com/blog/tag/remodel/ Mortgage. The right way. Thu, 20 Jul 2023 22:16:29 +0000 en-US hourly 1 Top 10 Home Remodeling Mistakes to Avoid https://www.cardinalfinancial.com/blog/remodeling-mistakes-to-avoid/ Thu, 20 Jul 2023 21:39:44 +0000 https://www.cardinalfinancial.com/?p=34141 So you’re thinking about remodeling your home? Before you start busting through walls like the Kool-Aid Man, take note of these 10 home remodeling mistakes you need to avoid. When it comes […]

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So you’re thinking about remodeling your home? Before you start busting through walls like the Kool-Aid Man, take note of these 10 home remodeling mistakes you need to avoid.

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:

Budget Estimate Table
Project TypeSuggested Budget (% of Home Value)Suggested Budget($ per Square Foot)
Kitchen10-25%$75-250
Living Room10%$10-60
Bedroom3-15%$15-40
Bathroom5-10%$120-275

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. 

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. 

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11 Genius Decorating Tips for 2017 https://www.cardinalfinancial.com/blog/genius-decorating-tips-for-2017/ Wed, 04 Jan 2017 02:34:44 +0000 https://cardinalfinancial.com/?p=555 Start the new year by giving your home a new look. Why wait until spring to freshen up your home? Welcome the new year with new projects around the house that are […]

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Start the new year by giving your home a new look.

Why wait until spring to freshen up your home? Welcome the new year with new projects around the house that are easy and simple. Here’s our list of 11 decorating tips for 2017 that won’t leave you with an empty wallet.

1. Your front door sets the tone

Make a great first impression and paint your front door a bright, warm color. Toasty tones like reds, oranges, and yellows are gaining popularity on front doors as their hues can be associated with feelings of joy and hospitality. There are other decorating tips to step up your curb appeal too, like enhancing your address numbers and hanging potted plants.

2. Wall colors should be light and neutral

It’s OK to experiment with dark or bold colors once in a while, but the benefit of light and neutral colors is that they work best with everything. Easily switch out your accessories and still maintain coherence throughout your decor with beige or gray walls. This is especially important on the first floor where you really want to avoid jarring transitions. Pro tip: If you have two small rooms next to each other, paint them the same neutral color to make them appear larger.

3. Let in some sunshine

Winter can be so dark and cloudy. Update your window treatments to let in the maximum amount of natural light. Exchange heavy, outdated curtains for lightweight drapes made of cotton, linen, or silk blends. Window treatments made of these fabrics tend to hang nicely without weighing down the room. You could even layer curtains for added elegance and dimension, like sheer panels under full-length drapes. For rooms that get a lot of sun, select a light-colored fabric that won’t fade in the sunny months.

4. Raise the ceiling using visual tricks

While we’re on the topic, did you know there’s a trick to hanging curtains that makes your room appear taller? Hang your curtains higher than the windows to create the illusion of taller walls and more breathing room. Standard curtain panels usually measure 84–96 inches which allows you to hang them about three inches above the window casing before the length becomes awkwardly short. Any higher than that and you’ll most likely have to order custom drapes. For those who love patterned panels, try vertical lines to visually elongate the walls. Other tricks include painting your ceiling white or leaning a large mirror against a wall.

5. Your sofa should talk to your chairs

This is one of our favorite decorating tips and, it sounds strange, but this concept works. Imagine a hotel lobby where the furniture is arranged in groups that invite conversation. Your home seating area should have the same effect. As you rearrange your living room furniture, aim for a sense of intimacy and balance. People commonly assume that pushing all the furniture against the walls is the “right” way to decorate and make the room look bigger. In reality, this method hinders the intimacy created by closely placed seats. The ideal conversation area is a unit that is either U-shaped (a sofa and two chairs facing each other at opposite ends of a coffee table) or H-shaped (a sofa directly facing two chairs with a coffee table in the middle).

6. Anchor rugs under furniture feet

They say go big or go home and, when it comes to rugs, we agree! The rug should define the seating area, so look for a rug that’s large enough to fit all four legs of the sofa and chairs in your furniture group. That means you could be looking at a rug that’s up to nine by twelve feet! At a minimum, the front two legs of the sofa and chairs should sit on the rug. If your rug size is too small, the room tends to look disproportionate.

7. Mirror, mirror… In every room!

Mirrors are not just for checking your hair. One nifty thing about mirrors is that they bounce light around a room, making space feel brighter. By adding depth and dimension, mirrors can make a small room feel larger. But beware: There is a wrong way to place them. For best results, hang mirrors on walls perpendicular to the windows, not directly across from them. In doing so, you’ll avoid bouncing the natural light right back out the window.

8. Use best practices to hang artwork

Hanging artwork is a tricky business, but it’s best not to think too far into it. Take inventory of your wall art and get really familiar with the available real estate. In a way, let the artwork choose the wall. You might have a long and skinny frame whose shape fits perfectly in a small, narrow hallway—place it there. That same frame will probably appear out of place on a big accent wall. The size of the wall is a crucial factor in hanging artwork. Take advantage of one large wall that has no windows by hanging an oversized canvas or grouping smaller pieces for a tiled effect. For the latter style, it’s best to space items about two to four inches apart. Another general rule of thumb: When placing artwork, the center of the piece should hang at average eye level. Your guests should be able to interact with your home’s art seamlessly.

9. Layer your lighting

Out of all the decorating tips, this one is most easily overlooked by homeowners. Most rooms should have three kinds of lighting: ambient, accent, and task. Ambient lighting gives overall illumination to a room, often by way of ceiling fixtures. Accent lighting is more decorative and spotlight-esque, highlighting specific things, like artwork. Task lighting has the effect of a spotlight but is found in more active areas of the home, like over a kitchen island, a desk, or a bathroom mirror. While basic, down-facing lighting may be sufficient, get creative with uplighting (like a torchière) that illuminates the ceiling—another visual trick to make the room appear taller.

10. Freshen outdated fixtures

For those who love to upcycle furniture, this one’s for you. If your home’s fixtures have seen better days, don’t immediately think you need to replace them. If the fixture is still functional, work with what you’ve got and give it a simple facelift. Outdated kitchen cabinets could benefit from a few fresh coats of paint and new hardware. Old switch plates and outlet covers can be repainted or dressed in decorative paper. There are countless creative ideas around updating your home’s furniture and fixtures without breaking the bank or replacing them entirely.

11. Declutter like a pro!

Most homeowners will agree when we say this: The longer you live in a house, the less you notice the mess. It’s normal to get comfortable in your own clutter, which is why a fresh set of eyes can really help you see your home in a whole new light. Grab a friend and start with a storage closet where you might find some forgotten gold nuggets worth rotating into your home décor. Then move to your bookcases and shelves, removing all of the items and wiping the surfaces clean. Once you’ve also wiped clean your books and knick-knacks, set half of them aside. These will go back into storage and will be replaced by the treasures you found in the closet. Turn back to your bookcase or shelf and arrange the items in a new way: Stack some books horizontally, some vertically, and sprinkle in some decorative objects like vases and tabletop frames. This technique will create a truly dynamic arrangement your guests will admire. And we love decorating tips like this one because it’s absolutely free!

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