dining chairs home depot image
blossom
I am considering cork flooring in my dining room. Is it durable enough to withstand the pressure of the table legs and the sliding of the chairs? If you love yours, what brand is it?
Answer
Cork flooring is fantastic! It is durable, will withstand your table and chair legs and is also waterproof. Unfotunately, I haven't installed any in my home yet but I have quite a number of clients who have and they love it! We usually get it at Home Depot, as that's the least expensive place. Oh... and did I mention that it's cool in the summer and warm in the winter? And has good sound-proofing qualities? You can't go wrong with it!
Cork flooring is fantastic! It is durable, will withstand your table and chair legs and is also waterproof. Unfotunately, I haven't installed any in my home yet but I have quite a number of clients who have and they love it! We usually get it at Home Depot, as that's the least expensive place. Oh... and did I mention that it's cool in the summer and warm in the winter? And has good sound-proofing qualities? You can't go wrong with it!
When we Take out a Home Loan, can we use the money to help pay for furniture/appliances along with the home?
fghjk
Thanks, what if we want to build a home and mention that we would like furniture and such? is there any way to get that included in the loan?
Answer
that question is impossible to answer (nobody can answer it, you didnt give even close to enough information). If you are buying a home and you need to add a stove because it has to have one. Then yes. You escrow it out and put it in the sales contract.
If you are saying we are buying a house and we want to buy a TV and a huge couch, then not a shot in hell.
Now if you buy a house and the seller says the couch and TV are included in the property. The appraiser appraises it without the couch and TV (since that is real property). And gives an appraisal without it.
Basically if its not nailed to the wall or bolted to the floor you wont get money from the lender to purchase it later. It can be included in the RESPC but has to be exculded on the appraisal. And you wont get cash out for it, the seller would have to purchase it and put it in the RESPC for you, but it wont affect value of the home. That part will be ignored.
Now if its a refinance, that is just a cash out and nobody cares what you do with your money. Throw it on 1 black jack hand, we dont care.
****** UPDATE ******
I see what you are asking, and im not trying to be hard. Let me put it this way. Can you take it with you if you move out? Its a yes or no answer. For example, can I take the toilet? no you cant, its bolted down. Can you take the 50inch plasma TV? hell yes (so you cant).
So ask the question, if you had 24 hours to move out of your house what would you take? Couches, chairs, dining room set, tvs, dvds, computers, desks, beds ect. What do you leave behind? Toilets, walls, doors, lights, carpet. What you leave behind you can put in the loan. What you can take, you cant. Its that simple.
The seller can say we are going to give you a 20,000 gift card to home depot on the sales price of 100K. We look at that and say what is the 20K going toward? If its not attached to the house we lower the loan amount by 20K. Its not possible.
The objects in your house do not increase the price of your home. The only way you can do it is in a refinance, and the value of the home, not whats in it, will dictate the value. So im saying no. Now lets say you get a damn good deal on a foreclosed home. You buy it, 1 year later you can refinance it FHA and get 95% of appraised value cash out. But it will have to be a refinance not a purchase. It cant work on a purchase.
that question is impossible to answer (nobody can answer it, you didnt give even close to enough information). If you are buying a home and you need to add a stove because it has to have one. Then yes. You escrow it out and put it in the sales contract.
If you are saying we are buying a house and we want to buy a TV and a huge couch, then not a shot in hell.
Now if you buy a house and the seller says the couch and TV are included in the property. The appraiser appraises it without the couch and TV (since that is real property). And gives an appraisal without it.
Basically if its not nailed to the wall or bolted to the floor you wont get money from the lender to purchase it later. It can be included in the RESPC but has to be exculded on the appraisal. And you wont get cash out for it, the seller would have to purchase it and put it in the RESPC for you, but it wont affect value of the home. That part will be ignored.
Now if its a refinance, that is just a cash out and nobody cares what you do with your money. Throw it on 1 black jack hand, we dont care.
****** UPDATE ******
I see what you are asking, and im not trying to be hard. Let me put it this way. Can you take it with you if you move out? Its a yes or no answer. For example, can I take the toilet? no you cant, its bolted down. Can you take the 50inch plasma TV? hell yes (so you cant).
So ask the question, if you had 24 hours to move out of your house what would you take? Couches, chairs, dining room set, tvs, dvds, computers, desks, beds ect. What do you leave behind? Toilets, walls, doors, lights, carpet. What you leave behind you can put in the loan. What you can take, you cant. Its that simple.
The seller can say we are going to give you a 20,000 gift card to home depot on the sales price of 100K. We look at that and say what is the 20K going toward? If its not attached to the house we lower the loan amount by 20K. Its not possible.
The objects in your house do not increase the price of your home. The only way you can do it is in a refinance, and the value of the home, not whats in it, will dictate the value. So im saying no. Now lets say you get a damn good deal on a foreclosed home. You buy it, 1 year later you can refinance it FHA and get 95% of appraised value cash out. But it will have to be a refinance not a purchase. It cant work on a purchase.
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