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Geri Reilly

2010 Kitchen Trends

Here are some great tips on modernizing  your kitchen, whether you're selling your home or not!  The trend today is an open floor plan with a cozy, connected kitchen. Kitchens and living rooms are combining to create a new look for kitchens these days. The most popular room in the house isn't just for cooking anymore! Today it's used as a gathering place for families, a central work space, an open area to pursue craft projects or a leisure area to entertain guests.

Living room and family room activities are merging into the kitchen, and it's changing how kitchens look. Particularly as homes are getting smaller, we're using the kitchen for much more than we have in the past. Home owners want a more versatile floor plan and need to get creative with their space.

The walls in kitchens started coming down in the 1980s and 1990s. First to go were walls separating the kitchen from the dining room and now home owners are saying goodbye to walls between the kitchen and the living room. Kitchens also are being designed in a less utilitarian way with larger windows, fewer cabinets, and softer lighting.

What if your house doesn't have these elements? There are simple things you can do to create that cozy, social feel:

Install a kitchen island. Kitchen islands not only have functional benefits but also provide space for entertaining, informal dining, and extra storage. If space is limited, consider a portable island, which can range from a butcher block to a breakfast table with bar stools. Just make sure that the style you choose is consistent with your existing decor in the kitchen and the size is appropriate. At least 3 feet is recommended between the island and walls so there's plenty of space to move around. If the kitchen island is large, add chairs to show it can serve as an extra gathering place.

Furnish with comfy chairs. Skip the typical wooden stools for an upholstered bar stool with a back. Switch out traditional chairs around the kitchen table for wing chairs, a love seat, or even an upholstered bench.

Soften the light. Use accent lights and sconces, usually associated with a hallway or den. Numerous small lamps also will create a softer effect. Hang a chandelier or light fixture over the kitchen island.

Get crafty and add a decorative backsplash. Not only are backsplashes super functional behind the sink and stove, they can also be very appealing to the eye and can exemplify personal style. Glass tiles are very popular now, but so are ceramic tiles and tin panels which are particularly easy to install.

Add storage. Extra storage is key especially in smaller kitchens. Consider a wall peg board or a hanging wrought-iron rack to hang pots and pans. Add a standalone cabinet, cupboard, buffet, or wall shelving. Stage cabinets with craft supplies to show that the space can serve many purposes.

Display quality pieces. Take the artwork you may have once reserved for the living room and display it in the kitchen. Accessorize shelves with collectibles or books. For smaller kitchens, mount a mirror on one wall which will give the illusion of more space and reflect light.

Make sure the basics are strong. If the bones of the kitchen aren't strong, fix those first. The condition of countertops, hardware, flooring, appliances, and cabinets aren't going to be covered up by creating a cozy atmosphere.

(Contributing writer: M.D Tracey)

Attention Veterans who are Ready to Buy a Home!

Choosing the VA Home Loan

Since 1944, the Department of Veterans Affairs has helped over 18 million men and women who have served our country achieve homeownership. The VA offers veterans one of the most progressive lending programs available complete with flexible loan terms and competitive rates. VA loans in the amount of $417,000 can be given to borrowers in most areas of the United States giving potential homeowners in Vermont - where the average home price is between $260,000 and $312,000 - 100% financing. VA loans up to $1,094,625 can even be loaned to eligible borrowers seeking real estate in more expensive markets.

Benefits of the VA Home Loan

Although high loan limits are incredibly beneficial to eligible borrowers seeking their dream home in Vermont, it is not the only perk the VA Home Loan offers. Because the VA insures 25% of each loan given to borrowers, VA-approved lenders are more likely to give borrowers benefits they would normally not find elsewhere with conventional loans. Other VA loan benefits include:

- No down payment

- Down payments in the form of gifts

- Lenient debt-to-income ratios

- Mortgage insurance not required

Who is Eligible for a VA Home Loan?

The VA home loan was specifically designed with veteran and active duty service members in mind. Nearly 80% of all veterans and active service members who qualified for a VA loan would not have been eligible for a conventional home loan. Although the VA home loan was created to help veterans and service members achieve homeownership, there are a few initial requirements that must be met to achieve eligibility.  These initial requirements include:

- Must have served 181 days on active duty or 3 months during war time

- Or must have served 6 years in the National Guard or Reserves

- Or be the spouse of a service member who was killed during active duty

If a potential borrower meets one of the above eligibility requirements, they must also receive a Certificate of Eligibility which an approved VA-lender may be able to help file for. Although there are no income or credit requirements associated with the VA home loan program, most VA-approved lenders will desire a credit score of at least 620 to secure financing.

If you think you might qualify for a VA loan, we recommend contacting  Nick Parent with The Mortgage Guys at Spruce Mortgage He can be reached at 802.863.5102 or Nick@Spruce Mortgage.com.

FREE Home Buying/Selling Workshop - April 20

FREE WORKSHOP! Getting Ready to Buy or Sell a Home? Learn how to work with Real Estate Agents & Lenders!We'll cover all the basics and answer all of your questions. The Burlington Free Press along with Coldwell Banker Hickok & Boardman Realty and PrimeLending will be offering a free workshop that will help you understand how to navigate the home buying and selling process successfully. A light meal will be served.

Date:
Tuesday, April 20, 2010
Time:
6:00pm - 8:00pm
Location:
Firehouse Gallery, 135 Church Street, Burlington, VT

To register for the workshop:burlingtonfreepress.com/reworkshopor 802.651.4866Sponsored by Geri Reilly of Hickok & Boardman Realty, Barb McHenry of Prime Lending, The Burlington Free Press & Leunig's Bistro & Cafe