When it’s a beautiful day and the warm sun is shining down, you’re more likely to be in a good mood. Studies show that lighting directly correlates with our moods. We would want to be The color and temperature of lights are a factor in creating your ideal setting. Lighting is a key part of creating films and television shows because lighting often sets the mood for a scene. The same principles can be applied in every room of your home.

You wouldn’t think of florescent lights setting the mood for romance, just as you wouldn’t think of a dark room as inviting. There’s some key factors in making sure that every area of your home is properly lit for the spaces to be both inviting and practical. Planning how you will light your home can be very helpful before starting any type of improvement projects or redecorating. Here’s some of our best tips for making the best of your lighting:

Be Sure Outdoor Areas Are Properly Lit

As the weather warms up and people spend more time outdoors, we want to make the most use of our outdoor spaces. While the days are getting longer, it means we’re less likely to want to leave these outdoor spaces when the sun sets. The best way to make more use of an outdoor space is to ensure that it’s properly lit. After all, you don’t want your guests to be walking around with cellphone flashlights!

There are so many options when it comes to outdoor lighting. Installing post or pipe lights on the outside of your home is a great first step to lighting your property. Having the right lighting puts beautiful landscapes on the outside of your home on display for all to see 24 hours a day, 7 days a week. Motion detected lights are another great option. These lights can act as part of a security system for your home and deter potential trespassers. Lights placed by doorways are also a security and safety feature. These lights prevent visitors who are entering and exiting your home from tripping or even falling on your property.

Indoor Lighting Tips

When it comes to lighting the indoor spaces of your home, try to focus on objects. In the living room, for example, you may want to light the corners of the room with a focus on a piece of artwork. It’s a good idea to find 3-way bulbs and dimmers to use in the living room since your lighting needs may vary. In the dining room, make sure the table is the focal point of the room and the brightest spot. The kitchen should be focused on overhead lighting that will illuminate the entire space. In your bedroom, lighting should be strategically placed where reading lamps would be needed, yet no lights should be overpowering.

As you can see, every area of your home has different lighting needs, but when done properly, the lights can work together for a mood-lit home.

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Buying a home represents a dream come true for many individuals. However, to transform this dream into a reality, you’ll likely need to qualify for a mortgage.

Finding the right mortgage may seem difficult, particularly for a first-time homebuyer. Fortunately, we’re here to help you make sense of all of the mortgage options at your disposal so you can select the right option based on your budget and lifestyle.

Here’s a closer look at three of the most common mortgage options for homebuyers.

1. Fixed-Rate

With a fixed-rate mortgage, there are no cost fluctuations. This means that you’ll pay the same amount each month for the duration of your mortgage, regardless of economic conditions.

For example, if you sign up for a 15- or 30-year fixed-rate mortgage, you’ll wind up paying the same amount each month until your mortgage is paid in full. In some instances, you may even be able to pay off your mortgage early without penalties.

A fixed-rate mortgage often serves as a great option for those who don’t want to worry about mortgage bills that may fluctuate over the years. Instead, this type of mortgage guarantees that you’ll be able to pay a consistent monthly amount for the life of your loan.

2. Adjustable-Rate

An adjustable-rate mortgage represents the exact opposite of its fixed-rate counterpart. The costs associated with this type of mortgage will change over time, which means you may wind up paying a fixed interest rate for the first few years of your loan and watch this rate go up a few years later.

For instance, a 5/1 adjustable-rate mortgage means that your interest rate is locked in for the first five years of your loan. After this period, the interest rate will adjust annually. Therefore, a rising interest rate may force you to allocate additional funds to cover your mortgage costs in the future.

An adjustable-rate mortgage may prove to be a viable option if you plan to live in a home for only a short amount of time. Or, if you’re a college student or young professional, an adjustable-rate mortgage may help you pay less for a home now, secure your dream job and become financially stable by the time your initial interest rate period ends.

3. VA Loans

The U.S. Department of Veterans Affairs (VA) provides loans to military service members and their families. These loans are backed by the government and enable individuals to receive complete financing for a house. Thus, with a VA loan, an individual is not required to make a down payment on a house.

If you ever have concerns or questions about mortgage loans, banks and credit unions are available to help. Also, your real estate agent may be able to offer mortgage insights and tips to ensure you can secure a mortgage quickly and effortlessly.

Learn about all of the mortgage options that are available, and by doing so, you can move one step closer to buying a home that matches your budget and lifestyle.

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