WHAT DOES AN APPRAISER DO?

a woman standing on the street while holding a house plan
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What does an appraiser do and do I need one?


What is an appraiser?
Appraisers are licensed or certified professionals who provide a qualified opinion of value. All states require appraisers to be licensed or certified to provide appraisals to federally regulated lenders. Meaning, you’re working with a highly trained individual who understands current real estate market conditions in your area.
Appraisers are considered third-party participants in the transaction. Their work assures mortgage lenders that the amount they are lending does not exceed the home’s true value. Yet, it also assures that you (as the home buyer or homeowner) are receiving a fair, unbiased price for your property.


What does a home appraiser look for?
The appraiser researches recently sold properties in your area with features similar to your prospective home, called “comparables.” Comps are sales records of recently sold homes. Appraisers and real estate agents use at least three, usually through the Multiple Listings Service (MLS), to get the most accurate estimate possible of a home’s value. The three comps must be sales that have closed within six months of your appraisal date to be considered accurate.
Expect your assigned appraiser to use the designated forms written and approved by the FHA, Fannie Mae, etc. These forms ask specific questions about neighborhood demographics, housing trends, utilities, home measurements, site characteristics, property condition, general improvements, and at least one approach to value.
More specifically, you can expect the following factors to be reviewed:
● The condition of the home (are there any cracks, damages, leaks, etc.)
● The size of the home and the property lot
● The quality of landscaping
● The quality of roofing and foundation
● The number of bedrooms and bathrooms
● The quality of lighting and plumbing
● The number of fireplaces
● The condition of a swimming pool or sprinkler system
● The quality of the basement (whether it’s finished or unfinished)
● The finishing details in the home (such as granite countertops, hardwood floors, and appliances)
A home appraisal is not the same as a home inspection. Learn about the differences and the importance of home inspections.


How long does an appraisal take?
Home buyers or borrowers looking to refinance: you can expect an appraiser to be at your home from 20 minutes to two hours, depending on the size of the property. They’ll use that time to take photos of all living areas which will document the condition of the home.
Once the physical appraisal is complete, the appraiser creates a written report of findings for the mortgage lender. This generally takes three to five days. The appraiser must confirm all data, so this takes some time.
How to prepare:

Maximize your home value ahead of time, so your home appraises as high as it can. This may include significant work such as home renovations, or simple tasks like the ones listed in the checklists below:
Appraisal checklist for buying a home

  1. Review neighborhood home values and recent sales.
  2. Assess your desired home’s condition so you can plan ahead for necessary repairs.
  3. Include an appraisal contingency so your offer can be withdrawn if the appraisal comes up short.
  4. Ensure your landscaping is on point as “curb appeal” is considered during an appraisal.
  5. Repairing damaged drywall or painting rooms can factor into your home valuation.
  6. Make sure every light switch, wall outlet, fan or vent is in working condition.
  7. Document recent home improvements with estimated prices and dates.
  8. Provide copies of previous appraisals.
  9. Make sure all rooms of the house are accessible.
  10. Be flexible and coordinate the appointment around the appraiser’s schedule.
  11. Let the appraiser do the inspection without distraction.
    Be aware of the $500 rule
    Appraisers tend to value property in $500 increments – like $300,000, $300,500, $301,000, etc. Because appraisals with $500 increments are common, it’s in your best interest to make small repairs if you are selling your home or refinancing. Even the smallest of changes can contribute to the overall condition of your property.

House Cleaning Tips Before You Sell

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HOUSE CLEANING TIPS WHEN SELLING YOUR HOME

Your deep cleaning checklist will help you learn how to clean your house to sell. It will help you to ensure that you don’t forget anything and, importantly, that you pay attention to those items that can be overlooked. If you’re ready to clean your home, you’ll want to start with the big things before you get to the little things.

THE BIG THINGS
A big part of learning how to clean your house to sell is knowing what the most important parts of your home to clean might be. These are the places and things in your home that are easiest for prospective buyers to spot. If they’re dirty, you can lose a sale. As such, you’ll want to pay special attention to cleaning the following areas.


FRIDGE, DISHWASHER AND OVEN
These are bigger than you think. While you might be used to how your appliances look and smell, new buyers are going to view them with fresh eyes. You’ll want to make sure they are all cleaned inside and out. There are special products for cleaning out ovens and dishwashers, so invest in those. Make sure that your fridge is emptied and that you’ve cleaned out every shelf and drawer. Put in some extra effort to make sure that each of these major appliances shines.


BATHTUBS, SINKS AND TOILETS
You already know that these are high-traffic areas, so make sure to take care of them appropriately. You’ll need to spend some serious time scrubbing here, removing every stain and bit of stray dirt. Make sure to pay extra attention to both the sinks and bathtubs, as they’re very easy for even casual observers to look into. These are areas in which a little extra effort can go a long way. Empty the garbage cans, no one wants to see trash when viewing a home.


GLASS AND MIRRORS
The goal here is to eliminate all of the streaks and smudges that you can find. Use a good glass cleaner and make sure to leave any glass surfaces as clear as possible. Good mirrors help to make rooms look larger, so you’ll want to make sure that they are clean and that they reflect the light well. Glass also needs to be dusted, as the dust particles can make your entire house look a little bit dingier than it should.


WALLS AND COUNTERS
Your walls and counters have a few different issues that need to be addressed. First and foremost are the basic marks that have accumulated over the years – a good scrubbing should get rid of most, but don’t be afraid to invest in a special cleaner if you can’t get them out.


FLOORS AND BASEBOARDS
Your floors are the easiest area to see in your home. If they’re not properly cleaned, the rest of your home will look incredibly dirty. Take the time to clean any carpets and use cleaners that you might have on your hardwood floors. You may also need to invest in methods to clean up scratches in some areas. Your baseboards should also be vacuumed and then cleaned by hand in order to get the best results. If they are scuffed up, some fresh paint is a must.


THE LITTLE THINGS
In addition to the big items, figuring out how to clean your house to sell requires being able to identify the most important little things in your house. These items might not seem like they’d cause problems, but they’re things at which most serious buyers will look before they put in an offer on a home.


LIGHT FIXTURES
All of your light fixtures need to be cleaned before you sell. This is a multi-part task, so be prepared to put in a little work. Start by cleaning the lightbulbs with the lights off of course! Next, you’ll want to clean out the inside and outside of the fixtures with a microfiber cloth. Finally, finish by removing any stains and using glass cleaner if necessary. Once you’re done you should have not only cleaner fixtures but also much brighter lights.


SWITCHPLATES
Your switch plates tend to accumulate a lot of wear and tear over time. Not only are you constantly switching lights on and off, but you’re also constantly touching the plates without noticing what’s on your hands. It’s very important to examine each individual plate in order to determine exactly how much work you’ll need to do. Disinfectant wipes will help with most, but you may need to replace those that are scratched up. Don’t be afraid to remove the plates in order to make sure that they are clean, as there can often be a fair bit of build-up around the edges of the plates.


VENTS AND FAN BLADES
When was the last time you really looked at your vents and fan blades? You might have done a bit of dusting from time to time, but these are areas of the home that tend to get neglected. You’re going to want to remove your vent covers and clean them both inside and out, getting rid of any accumulated dust. Some replacement upgraded vent covers can also make a room look a lot nicer. If possible, you should also remove each individual fan blade and wipe it down. Make sure that you clean the parts that are generally covered by any lighting fixtures as well so that you can really make the fan shine.


HARDWARE
Much like your switch plates, your home’s hardware gets a lot of wear and tear that you probably haven’t noticed over the years. At a basic level, you’re looking to get rid of fingerprints and the kind of random dirt that accumulates over the years. If your hardware is metal, though, you’re going to want to use metal cleaner in order to restore it to its original look. You’re not just dealing with wear and tear here, but very real environmental damage. You’ll need to use a little elbow grease to get the best results and make the hardware look pristine.


WINDOWSILLS
Your windowsills are another area that tends to attract quite a bit of dirt and grime. Unfortunately, most people tend to clean these areas with a light dusting, trusting that most visitors won’t give them a second glance. It’s recommended that you don’t just dust these areas, but that wipe them down and remove any stains. If possible, you may also want to give them a quick coat of paint in order to make them look like new.

Christmas Light Displays in Chattanooga

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ROCK CITY Enchanted Garden of Lights is a holiday favorite of ours. I tell everyone to go to Rock City because of the fantastic views any time of the year but this month it’s transformed! Explore the Enchanted Rock City Gardens | Celebrating 90 Years (seerockcity.com)

From November 18, 2022, through January 1, 2023, the Land of Gnomes becomes magical for all ages. Register ahead unless you have a season pass. Enjoy the icy lights in the Arctic Kingdom, although I prefer to do this on a warmer night. You can go on a cold night to make it feel legit but having grown up in a colder climate, I love that Tennessee has fun holiday traditions without really having to freeze! On a very chilly night you can stay inside your car and drive through…

NOOGA LIGHTS AT CHESTER FROST PARK from November 14 -December 31, 2022. Nooga Lights | Chattanooga’s Drive-Thru Holiday Lighting Spectacular Prepay for tickets online. At $30 per car you may want to fill the car up because it is a quick tour through the park. There were some wows from the 6 years old but honestly the best car display was free…

HOLIDAY WHOVILLE AT THE CANYONS This upscale neighborhood in Hixson really had our grandson’s attention! Many of the houses were decked out in Grinch themed decor and there was even a live Grinch in one of the yards. I kept wondering where they bought all the …stuff. But I didn’t ask out loud, Christmas magic and all that and the Grinch was kind enough to acknowledge us! There is a police presence and many cars driving through.

ASIAN LANTERN FESTIVAL AT CHATTANOOGA ZOO Chattanooga Zoo (chattzoo.org) This new attraction has 38 huge lanterns depicting animals plus interactive and moving displays. I am always up to see the coyotes and cougars especially at night when they are active. Like most urban zoos, Chattanooga is a small zoo and the stroll to see all the lanterns is nice for all ages.

ANIMATED CHRISTMAS WINDOW DISPLAY EPB at 10 W MLK BLVD Every year EPB entertains the public with displays on the Broad and Market side windows. After dinner downtown this is a great destination for a walk in the big little city!

LANDSCAPING TIPS

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LANDSCAPING TIPS AND TRICKS


Potential home buyers form their first impression of a home from its curb appeal. Yet often a home’s outdoor landscaping is overlooked, or underdone, in the preparation for the sales process. An attractive and well-maintained landscape can add as much as 10 percent to the value of your home.
Ideally the time to get started cleaning up your yard is about a month before you plan on showing your house. That should give you enough time to get everything looking just right and not leave the impression that you simply waited until the last minute to put things in order. Follow these tips for sprucing up your yard to help your home sell quickly.


SPUCE UP OUTDOOR CONTAINERS
Container plants, especially large tropicals, add considerable interest to patios and doorways where would-be buyers enter and exit the house. Such displays also demonstrate the endless possibilities for designing with container plants.


TOUCH UP THE MULCH
Nothing spruces up a place like a new application of mulch, so apply a fresh layer in all your garden beds. The color enhances the contrast of the surrounding plants and makes everything pop. What’s more, mulch is relatively cheap and easy to apply.


PLANT SOME INSTANT COLOR
Seasonal color makes the landscape pop as well, and flats of annuals are also relatively inexpensive. Go for a splash of several colors or a more monochromatic scheme, whatever fits in with the look of your home.


SHAPE UNSIGHTLY OR OVERGROWN BUSHES AND SHRUBS
Regardless of the season, it’s a good idea to tackle any overlooked pruning chores because nothing says neglect like a bunch of dead branches. The idea is to show how well not only your house, but your garden has been maintained. It’s okay to prune deciduous trees and shrubs any time of the year.


TEND TO PERENNIAL BEDS
Tidy up herbaceous plants, such as annuals and perennials, that don’t look as good as they should. If a plant is in such bad shape that it needs to be removed, either replace it or stick a decorative pot in its place.
Now is also a good time to dig up any plants that you want to take with you to your new home. If you intend to remove any landscape plants and haven’t already done so, you have an obligation to inform the buyer exactly which plants you plan on digging up. That’s only fair, and in many states there are restrictions on removing plants from the landscape.


CLEAN UP WATER FEATURES AND IRRIGATION ISSUES
Get rid of any visible algae, remove leaves and clean filters so that the water is crystal clear. After all, a water feature that doesn’t look good or function properly can be an instant turnoff.
If there are any problems with an irrigation system, fix them. Irrigation system repairs can be expensive, and you don’t want to lay the cost of those repairs on the buyer. Provide information about your irrigation schedule, especially if you have an automatic system. Include instructions as to how the system operates and recommend the same watering schedule that’s worked for you.


REPAIR FAUCET LEAKS
A leaking faucet suggests that there may be other problems elsewhere in the plumbing, and that can be an instant turn-off to buyers.
If you receive sufficient notice that your home is about to be shown, water a half-hour or so before the appointed time. The water reduces the glare of paved surfaces and sends the message that your plants are well-maintained. You might even consider running your irrigation system just to show that it’s working properly.


CONSIDER LABELING AS MANY PLANTS AS POSSIBLE
That way the buyer will at least know the name of each plant and can then research their growing needs. Also consider creating a complete plant inventory in scrapbook form and leaving it out on a table for prospective buyers to browse through as they tour your home. This relatively simple step can have a powerful effect on buyers, whether they’re gardeners or not.


POWER WASH DIRTY SURFACES
Consider buying or renting a power washer to clean paved surfaces. With very little time or effort, you can make grungy, grimy surfaces look brand-spanking new. Power washers also do a great job of cleaning fences, as well as brick and vinyl siding.

HOW TO BUY A HOUSE ABC’S

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How to buy a home step-by-step

Understanding how to find and finance the perfect home for you

Buying a house requires a lot of time and effort, but these 10 steps can help make the home buying process manageable and help you make the best decisions possible.

Step 1: Start Your Research Early

As soon as you can, start looking at online listings. Make a note of particular homes you are interested in and see how long they stay on the market. Also, note any changes in asking prices. This will give you a sense of the housing trends in specific areas.

Step 2: Determine How Much House You Can Afford

Lenders generally recommend that people look for homes that cost no more than three to five times their annual household income if the home buyers plan to make a 20% down payment and have a moderate amount of other debt.

But you should make this determination based on your own financial situation. Use an affordability calculator to see how much house you can afford.

Step 3: Get Prequalified and Preapproved for credit for Your Mortgage

Before you start looking for a home, you will need to know how much you can actually spend. The best way to do that is to get prequalified for a mortgage. To get prequalified, you just need to provide some financial information to your mortgage banker, such as your income and the amount of savings and investments you have. Your lender will review this information and tell you how much we can lend you. This will tell you the price range of the homes you should be looking at. Later, you can get preapproved for credit, which involves providing your financial documents (W-2 statements, paycheck stubs, bank account statements, etc.) so your lender can verify your financial status and credit.

Step 4: Find the Right Real Estate Agent

Real estate agents are important partners when you’re buying or selling a home. Real estate agents can provide you with helpful information on homes and neighborhoods that isn’t easily accessible to the public. Their knowledge of the home buying process, negotiating skills, and familiarity with the area you want to live in can be extremely valuable. And best of all, it doesn’t cost you anything to use an agent – they’re compensated from the commission paid by the seller of the house. 

Step 5: Shop for Your Home and Make an Offer

Start touring homes in your price range. It might be helpful to take notes on all the homes you visit. You will see a lot of houses! It can be hard to remember everything about them, so you might want to take pictures or video to help you remember each home.

It’s also important to evaluate the neighborhood and make a note of things such as:

  • Are the other homes on the block well maintained?
  • How much traffic does the street get?
  • Is there enough street parking for your family and visitors?
  • Is it conveniently located near places of interest to you: schools, shopping centers, restaurants, parks, and public transportation?

Take as much time as you need to find the right home. Then work with your real estate agent to negotiate a fair offer based on the value of comparable homes in the same neighborhood. Once you and the seller have reached agreement on a price, the house will go into escrow, which is the period of time it takes to complete all of the remaining steps in the home buying process. 

Step 6: Get a Home Inspection

Typically, purchase offers are contingent on a home inspection of the property to check for signs of structural damage or things that may need fixing. Your real estate agent usually will help you arrange to have this inspection conducted within a few days of your offer being accepted by the seller. This contingency protects you by giving you a chance to renegotiate your offer or withdraw it without penalty if the inspection reveals significant material damage.

Both you and the seller will receive a report on the home inspector’s findings. You can then decide if you want to ask the seller to fix anything on the property before closing the sale. Before the sale closes, you will have a walk-through of the house, which gives you the chance to confirm that any agreed-upon repairs have been made.

Step 7: Work with a Mortgage Banker to Select Your Loan

Lenders have a wide range of competitively priced loan programs and a reputation for exceptional customer service. You will have many questions when you are purchasing a home, and having an experienced, responsive mortgage bankers to assist you can make the process much easier.

Every home buyer has their own priorities when choosing a mortgage. Some are interested in keeping their monthly payments as low as possible. Others are interested in making sure that their monthly payments never increase. And still others pick a loan based on the knowledge they will be moving again in just a few years.

Step 8: Have the Home Appraised

Lenders will arrange for an appraiser to provide an independent estimate of the value of the house you are buying. The appraiser is a member of a third-party company and is not directly associated with the lender. The appraisal will let all the parties involved know that you are paying a fair price for the home.

Step 9: Coordinate the Paperwork

As you can imagine, there is a lot of paperwork involved in buying a house. Your lender will arrange for a title company to handle all the paperwork and make sure that the seller is the rightful owner of the house you are buying.

Step 10: Close the Sale

At closing, you will sign all the paperwork required to complete the purchase, including your loan documents. It typically takes a couple of days for your loan to be funded after the paperwork is returned to the lender. Once the check is delivered to the seller, you are ready to move into your new home.

DO I NEED AN AGENT FOR NEW CONSTRUCTION?

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I’m Buying New Construction, Should I Use a Realtor?


REPRESENTATION – The real estate representative in the builder’s sales office represents the builder’s best interest not yours. An independent real estate agent represents your interests and advocates on your behalf. Additionally, a real estate agent will help you get the most value for the least amount of money and make the real estate transaction easy and frustration free.


WHAT YOU SEE IS NOT WHAT YOU GET- You tour the model, and it looks great. The problem is the model isn’t the base price of $400,000 being advertised, it’s $500,000 because of all the upgrades. Top tier granite countertops, crown molding, upgraded appliances, built-in bookshelves and trey ceilings are usually upgrades and they add up. A realtor representing your interests will help make sure you’re aware of what’s included in the base price and what’s extra.


AGENT FEES – Buyers do not pay the real estate agent fees, the seller or builder does. Builders view commissions to real estate agents as part of their cost of doing business. In fact, they rely on outside agents to bring clients to them. Builders will not credit buyers the commission they would otherwise pay to a Realtor. If they were to do so, realtors would no longer bring clients through the builder’s doors and ultimately it would impact their future sales. Therefore, there is no downside and no cost on your end to have an outside agent represent you.


NEGOTIATIONS – An agent will look at the transaction from a dollars and sense perspective without being swayed by emotions. A good Realtor will also know what is and what is not negotiable and as you can imagine it varies by builder. For example, did you know many builders will cover some closing costs? Include a warranty? Include free upgrades? Builders are far more likely to negotiate on fees or upgrades than they are on price. An experienced agent will help guide you through negotiations and ensure you are getting the most for your money.


GET EVERYTHING IN WRITING – Any concessions or guarantees provided by the builder should be confirmed in writing. Do not sign any paperwork or contracts without ensuring everything you’ve agreed upon including upgrades, fees, timelines, etc. are incorporated into the contract. If you skip this step, the builder does not have to deliver what they agreed upon and you will have no recourse. An agent will ensure all the terms agreed upon are included in the contract.
Inspections – You SHOUD DEFINITELY consider a home inspection when buying new construction. A builder doesn’t necessarily want to inspect itself and if they did would you trust they have your best interest in mind? Often, homeowners think a new home warranty will cover any issues that arise. In certain instances, it does not. A good real estate agent will have relationships with multiple independent inspectors who will look out for your best interest and may even help the homeowners set the appointment with the inspector and review the inspector’s report to identify potential areas of negotiation, corrections, repairs, or replacements with the builder.


FINANCING – When you are buying new construction, the builder usually offers financing. But is it the best financing available? Even a small increase in the interest rate could have a significant impact on your monthly payment or the total amount you pay for the home. An experienced real estate agent will be able to connect you with reputable lenders so you can compare rates. Also, the current taxes are on the land so be sure to estimate the future taxes of the completed home using your local tax rates.


CONTRACT – How familiar are you with a real estate contract? Do you know what to look for to make sure you are receiving all the benefits you’re hoping to receive? Are you aware of any hidden fees or community fees? A real estate agent is an expert in the industry who is there to provide guidance throughout a real estate transaction. They review real estate contracts regularly and know what to look for to ensure everything is correct. Some builders will have their own contracts so be sure to examine them carefully before signing.


QUALITY OF CONSTRUCTION – How familiar are you with the builder? What’s their reputation? What is the quality of their construction? There are hundreds of builders. An experienced agent will be familiar with all the major builders and their quality of work. They’ll also be able to provide recommendations and references for custom home builders to ensure you are connecting with a reputable builder.

Seasonal Sales… 6 Reasons to Sell During the Holidays

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Why The Holidays Are a Great Time to Sell Your Home

When it comes to real estate, the ideal time to sell your home often falls in the spring months. After all, many people hunker down during the winter months or are too busy with the holidays to think about purchasing a new home. And don’t forget, people like to start shopping in the spring to make sure they are settled in their homes before the start of a new school year.

But what if you can’t wait until the weather warms up to get your house on the market? Should you consider putting your house up for sale around the holidays?

It may not seem like the most ideal time, but the holiday season does have its benefits—provided you position your home in just the right way. You might not get in the middle of a bidding war, but you are going to deal with serious buyers who are ready to close a deal.

6 Reasons Why the Holidays Are a Good Time to Sell

1- Less Housing Inventory During Winter
Conventional wisdom says people should wait until the spring to get the most from a home sale. After all, inventory normally picks up in the spring as the weather gets warmer. This often leads to price wars breaking out in coveted neighborhoods. A home in a great area with a lot of potential buyers can sit on the market for just a few weeks or, in some cases, even days.

2-Winter Buyers Are More Serious
Most open houses take place during the spring and early summer. It isn’t unusual to see people saunter into a property without a clear plan to buy. People often check out homes just for the sake of looking. After all, hitting open houses is a favorite pastime for many Americans.

3-That Warm and Cozy Feeling
The holidays are often a time when people gather around fireplaces, drink hot chocolate, and bake cakes and cookies. Homeowners who put their houses up for sale during the winter months can stage their house to give off the comfy and homey vibe that appeals to many buyers.
Some people may argue that showing a house in the winter is hard to do because the ground is mucky, the house is drafty, and the curb appeal is lacking. But turning the heat up, having a yummy treat in the oven, and keeping the sidewalk and driveway clear of debris can boost a home’s appeal.

4-Festive Neighborhoods Are Inviting
One of the staples of the holiday months is that many people adorn their homes with festive lights and decorations. That is also true of local communities where lit-up snowflakes and wreaths can be found on lampposts up and down the main streets.
People purchasing a home during that time may see the neighborhood in a different light—more festive and cheerful—and may be more willing to consider an area that they may have been on the fence about.

5-Year-End Job Transfers
Another good reason is timing. The end of the year is typically the time when people get notified, they will be moving because of a job transfer, or perhaps an offer comes through from another company that’s just too good to pass up.
Those people are going to need a home sooner rather than later and, as a result, they’ll be hunting for a new home during the holidays. These buyers can’t wait for spring, which is one reason why listing during the holidays can get the home sold—and sold quickly.


6-End-of-Year Tax Breaks
Reducing the property tax bill may not be the main reason buyers purchase a new home, but it could be why serious buyers make a move during the holidays. That’s because buyers can deduct the mortgage interest, property taxes, and interest costs of the loan if a sale closes on or before December 31. New tax laws limit the deduction, of course, but the tax benefits could still prompt a buyer to move during the holidays instead of waiting until spring.

Fall Maintenance Checklist

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As the seasons begin to change, here is a reminder of what needs to be done. Fall isn’t here yet but getting everything scheduled should be done now. First here are some items that could be done monthly. If you haven’t done them in a while add them to the list or have your service provider do these:

Monthly

  • Clean the furnace filter to remove dust build-ups, make it easier to regulate your home’s temperature, and ultimately decrease energy bills.
  • Check filters on water filters.
  • Clean faucet aerators and showerheads to remove mineral deposits.
  • Inspect tub and sink drains for debris; unclog if necessary.
  • Test smoke alarms, carbon monoxide detectors, fire extinguishers, and all ground-fault circuit interrupters.
  • Inspect electrical cords for wear.
  • Vacuum heat registers and heat vents. Refrigerator vent too if you have pets!
  • Check that indoor and outdoor air vents are not blocked.
  • Flush out hot water from the water heater to remove accumulated sediment.
  • Clean the garbage disposal by grinding ice cubes, then flushing with hot water and baking soda.

Fall checklist:

  • Rake leaves and aerate the lawn.
  • Have forced-air heating system inspected by a professional. Schedule an inspection in late summer or early fall before the heating season begins.
  • Check fireplace for damage or hazards, and clean fireplace flues.
  • Seal cracks and gaps in windows and doors with caulk or weather stripping; replace if necessary.
  • Touch up exterior siding and trim with paint.
  • Inspect roofing for missing, loose, or damaged shingles and leaks.
  • Power-wash windows and siding.
  • Remove leaves and debris from gutters and downspouts.
  • Mend cracks and gaps in the driveway and walkway.
  • Drain and winterize exterior plumbing.
  • Have your fireplace professionally inspected.
  • Tune up major home appliances before the holidays.
  • Repair or replace siding.
  • Replace the batteries in smoke and carbon monoxide detectors. Install a smoke detector on every floor of your home, including the basement.
  • Clean the carpets.
  • Clean window and door screens.
  • Vacuum lint from the dryer vent.
  • Inspect exterior door hardware; fix squeaky handles and loose locks.
  • Check for frayed cords and wires.
  • Drain and store hoses and drain in-ground sprinkler systems.
  • Wrap insulation around outdoor faucets and pipes in unheated garages.
  • Check water heater for leaks.

Since I am in the middle of having our hot water heater replaced after finding the drip pan about to overflow, this list is one to really try to get to the issues before they become problems.

Hottest Garden Trend? Gnomes!

I love Fairy Tales, Folklore and Yes, I believe in Tinkerbell! But the act of purchasing a ceramic garden creature isn’t something I ever thought I would do. I did get a few little mushroom critters for my grandson when he was 3, but I’m not turning into an eccentric, old woman quite yet. I recently revamped my shaded back porch in beautiful shades of purple, mint and aqua. It sounds awful but with all the foliage, it’s really peaceful. Then I went to the At Home Store Home Decor & Furniture Store Chattanooga TN | At Home for a few items to pull it together.

Walking up and down the aisles, I wondered how I had ever survived home ownership without all of this “STUFF”…and there he was staring at me. A Gnome, in colors that screamed that he wanted a home, on my porch. I put him in my cart and walked around the store until I regained my sanity and put him back. There were only 3 left and he haunted me all week, so I drove back over there and I bought a Garden Gnome. And we gave him a name, I know TMI but there is a 5 year old involved.

When my oldest kids were little, one of their favorite shows was David the Gnome which had Tom Bosley’s voice, who was also the father on Happy Days. The show taught about nature and I loved it too. Most European cultures have some Gnome mythology. Gnomes are believed to guard plant life and treasures making them a perfect garden ornament.

A few weeks later the list above was in my inbox from The National Association of Realtors who credit this chart to Atlas Ceramics, the creators of the Garden Trends Index. I was so relieved to see this that I then bought the frog in lotus pose that I was also in love with. So, if you are suddenly taken to buying statuary it’s likely because the retailers are suggesting it, with firepits, patios and pergolas probably the best return on investment. But a gnome might make you smile.

Create The Life You Love…

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