9 Cheap Backyard Ideas That Don’t Use Grass

 
 

You’ve heard the saying: The grass is always greener on the other side.

That might be true, but that greener grass might not be the easiest to care for! The fact is that lawn maintenance takes time, energy, and expenses that you might not be all that interested in investing. Or perhaps you’ve budgeted and put effort into having a beautiful lawn, but your rocky soil and harsh climate have made your attempts unsuccessful.

No matter your reasons for wanting to be grass-free, you don’t have to succumb to the United States way of maintaining your yard. For centuries, folks all over the globe have focused their efforts on alternative plantings, helpful vegetation, and creative hardscapes instead of simply planting classic turf. If you’re ready to live a lower-maintenance, grass-free life, here are nine cheap yard ideas that don’t include grass.

Make a rock garden

If you loved your pet rock as a child, have a grown-up version by curating an easy-maintenance rock garden. According to Andrew Connolly, owner of Little Flower Cottage, these stone-laden areas are perfect for yards with rocky terrain and poor-quality soil. If you’d like to add plants, gather stones in various shapes and sizes and pepper low-maintenance plants like sedums and alpines in between.

“Rock gardens are visually striking, require minimal watering, and can thrive in harsh conditions,” Connolly adds. This style of hardscape garden can have a beautiful impact on your yard and add visual interest with its various rock formations — with or without plants.

Opt for a synthetic lawn

Artificial turf is ideal for those who crave the look of grass without the hefty maintenance schedule. Fake grass has come a long way and can often pass as natural vegetation. “Transitioning to an artificial grass lawn significantly reduces the time and effort required to maintain the lawn and is also eco-friendly, eliminating the need for watering, fertilizers, and pesticides,” says Celine Ferreira, a marketing specialist with AGL Grass. Beyond lawns, synthetic grass is also an option for balconies and terraces for a softer feel.

Sow wildflowers

Wildflowers are just that — wild — so they’re easy to maintain, self-seed, and bring happiness to anyone looking at them. Yards bursting with native flowers also attract pollinators and provide habitats for smaller creatures. This naturally earth-friendly grass substitute is also easy to plant — especially if you start in the fall.

Heather Evans, also known as The Avant Gardener, is currently trading her grass for a colorful burst of wild blooms. “I’m solarizing big sections of my yard to kill the grass and seed with wildflowers in later fall,” she says. After extinguishing the grass, sow your wildflower seeds and lightly mulch. The seeds will germinate and grow into a colorful, healthy landscape in the spring.

Use ground cover plants

Some plants naturally grow low to the ground, creating an ideal way to allow low-maintenance greenery to flourish. “Ground cover plants constitute a botanical tapestry that spans the ground, presenting an assortment of dimensions, configurations, and hues,” says Sarah Gill, a landscaper and garden expert at Hypedome.

Ideal plants for covering include creeping jenny, periwinkle, thyme, clover, and vinca minor. Allowing vegetation to spread does require patience, but one benefit is that it helps to curtail weeds and stabilize soil in your yard.

Place pavers and stones

Some pavers wouldn’t be considered cheap, but Brock Ingham, owner of Bigger Garden, knows how to score them inexpensively. “I often see local listings for ‘free with removal’ pavers and stones,” he reveals. “This can be a goldmine of free landscaping material at your disposal.”

A truck and a willing spirit can add up to a secret score if you search Craigslist and Facebook Marketplace. One plus is that pavers are durable. Additionally, you can create pathways with stones in between to maximize access to other parts of your yard.

Try xeriscaping

Zahid Adnan of The Plant Bible suggests pairing drought-tolerant plants with hardscape elements, like gravel and rocks. Like a rock garden, xeriscapes focus more on the overall pairing look rather than striking rock formations. “These gardens are ideal for arid regions with limited water resources,” Andan says. Although there are limited color options and the initial setup can be pricey, the cost over time is less due to how low-maintenance and water-efficient xeriscaping is.

Create a succulent garden

Another great pairing with hardscapes, such as pavers and stones, is a garden filled with succulents. “A low-maintenance idea to provide more curb appeal is to build a rock border just off the curb and then plant drought-tolerant and sculptural statement plants like agaves and yucca,” advises Amy Hovis, the owner of Eden Garden Design. Cacti and succulents thrive in sunny areas, so consider ornamental styles instead of grass.

Consider mulch

Although you may only want a portion of your yard full of mulch, adding pine bark or needles to certain areas is a natural alternative to grass. Vicky Popat, co-founder of PlantOGram.com, says mulch is best for placing around tree bases, planting beds, and stabilizing play areas. Creating these natural boundaries is also aesthetically pleasing. “Mulch retains soil moisture, suppresses weeds, can improve soil health, and offers a tidy appearance,” she adds. Plus, as the covering decays, it releases healthy nutrients to the soil underneath.

Plant an edible garden

With all of the mowing, trimming, fertilizing, and aerating, having grass is a hefty time investment. Although planting a vegetable or herb garden is also a fair amount of work, the payoff is enormous when considering the harvest outside your door.

“Cultivating an herb garden with varieties like basil, rosemary, and mint offers not just a practical culinary addition, but also enhances your garden with delightful fragrances,” says master gardener Robert Silver. Veggies might not smell as good as herbs, but sowing rows of squash and tomatoes should keep you — and some of your neighbors — fed all summer.

Learn more at apartmenttherapy.com

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The Return of Normal Seasonality for Home Price Appreciation

 
 

If you’re thinking of making a move, one of the biggest questions you have right now is probably: what’s happening with home prices?

Despite what you may be hearing in the news, nationally, home prices aren’t falling. It’s just that price growth is beginning to normalize. Here’s the context you need to really understand that trend.

In the housing market, there are predictable ebbs and flows that happen each year. It’s called seasonality. Spring is the peak homebuying season when the market is most active. That activity is typically still strong in the summer but begins to wane as the cooler months approach. Home prices follow along with seasonality because prices appreciate most when something is in high demand.

That’s why there’s a reliable long-term home price trend. The graph below uses data from Case-Shiller to show typical monthly home price movement from 1973 through 2022 (not adjusted, so you can see the seasonality):

As the data shows, at the beginning of the year, home prices grow, but not as much as they do in the spring and summer markets. That’s because the market is less active in January and February since fewer people move in the cooler months. As the market transitions into the peak homebuying season in the spring, activity ramps up, and home prices go up a lot more in response. Then, as fall and winter approach, activity eases again. Price growth slows, but still typically appreciates.

After several unusual ‘unicorn’ years, today’s higher mortgage rates helped usher in the first signs of the return of seasonality. As Selma Hepp, Chief Economist at CoreLogic, explains:

“High mortgage rates have slowed additional price surges, with monthly increases returning to regular seasonal averages. In other words, home prices are still growing but are in line with historic seasonal expectations.”

Why This Is So Important to Understand

In the coming months, you’re going to see the media talk more about home prices. In their coverage, you’ll likely see industry terms like these:

  • Appreciation: when prices increase.

  • Deceleration of appreciation: when prices continue to appreciate, but at a slower or more moderate pace.

  • Depreciation: when prices decrease.

Don’t let the terminology confuse you or let any misleading headlines cause any unnecessary fear. The rapid pace of home price growth the market saw in recent years was unsustainable. It had to slow down at some point and that’s what we’re starting to see – deceleration of appreciation, not depreciation.

Remember, it’s normal to see home price growth slow down as the year goes on. And that definitely doesn’t mean home prices are falling. They’re just rising at a more moderate pace.

Bottom Line

While the headlines are generating fear and confusion on what’s happening with home prices, the truth is simple. Home price appreciation is returning to normal seasonality. If you have questions about what’s happening with prices in your local area, connect with a real estate professional.

Learn more at keepingcurrentmatters.com

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Time Frame to Get a Home Mortgage

 
 

The process of getting a mortgage can be complex and time-consuming.

Depending on market conditions and individual circumstances, getting approved typically takes 21 to 45 days. It is essential to start the process early, gather the necessary documents, compare mortgage lenders, and obtain pre-approval.

The time frame for getting mortgage pre-approval is usually 24 hours to a few days. Maximum Real Estate Exposure is a comprehensive resource for explaining mortgage pre-approval timing.

It is crucial to note that there is a difference between pre-approved and pre-qualified. Ensuring pre-approval is a must before looking at homes.

Once approved, you can begin house hunting with the help of a buyer's agent. The mortgage application process begins after finding the right home, including appraisal and inspection. Finally, closing the mortgage and completing the home purchase takes place.

The Mortgage Process: An Overview

When considering a mortgage, it is crucial to understand the various aspects involved in the process. This overview will provide a comprehensive understanding of what to expect when obtaining a mortgage.

Understanding the Basics of a Mortgage

Before delving into the mortgage process, it is crucial to understand the fundamental concepts of a mortgage. A mortgage is a loan provided by a lender to help finance the purchase of a home. The borrower agrees to repay the loan amount and interest over a specified period.

Mortgages typically involve a down payment, a percentage of the home's purchase price paid upfront.

Factors that Influence Mortgage Processing Time

The time it takes to process a mortgage can vary based on several factors. These include the lender's efficiency, market conditions, the complexity of the borrower's financial situation, and any issues that may arise during the underwriting process. High-volume periods in the real estate market can extend the processing time.

Importance of Preparing For a Mortgage in Advance

Preparing in advance is crucial when entering the mortgage process. It is recommended to gather and organize all necessary financial documents, such as income statements, tax returns, and bank statements.

Additionally, reviewing and improving credit scores is advisable, as a higher score can lead to better loan terms.

Saving for a down payment and anticipated closing costs is also essential, as it demonstrates financial readiness to the lender and facilitates a smoother mortgage process. You can improve your chances of getting a mortgage by following sound guidance.

Pre-Approval and Financial Readiness

Before beginning the exciting journey of finding your dream home, going through the pre-approval process is crucial to ensuring your financial readiness. This step sets the foundation for a successful mortgage application and helps you understand your budget and borrowing capacity.

Why Pre-Approval is Essential

Obtaining pre-approval from a mortgage lender is vital as it demonstrates your seriousness as a buyer and gives you a clear understanding of the loan amount you qualify for. This process involves the lender assessing your creditworthiness, income, and other financial factors to determine a preliminary loan amount.

Gathering and Organizing Financial Documents

Before applying for pre-approval, gather the necessary financial documents to support your application. These may include recent pay stubs, tax returns, bank statements, and employment verification. Organize these documents neatly to streamline the pre-approval process and ensure a quick evaluation by your lender.

Improving Your Credit Score

A strong credit score is crucial for obtaining favorable loan terms and interest rates. Take proactive steps to improve your credit score, such as paying bills on time, reducing existing debt, and correcting any errors on your credit report. Remember, a higher credit score can enhance your chances of securing a mortgage pre-approval.

Saving for Down Payment and Closing Costs

While getting preapproved, assessing your financial situation and saving for the down payment and closing costs is essential. Research the minimum down payment requirements for the type of mortgage you seek and set aside funds accordingly.

Additionally, consider potential closing costs, including appraisal fees, title insurance, and loan origination fees, to ensure you are financially prepared for homeownership. It is essential to note that mortgage pre-approvals can expire, so you must be mindful of this. Extend it so you don't get caught with your pants down.

Finding the Right Mortgage Lender

When finding the right mortgage lender, conducting thorough research and comparison is essential. Here are some critical steps to consider:

Researching Mortgage Lenders

Start by researching reputable mortgage lenders in your area. Look for lenders with a strong track record, positive customer reviews, and expertise in the market. Online resources and recommendations from friends, family, or real estate agents can help find potential lenders.

Comparing Interest Rates and Loan Options

Once you have a list of potential lenders, compare their interest rates and loan options. Remember that interest rates vary between lenders; even a slight difference can significantly impact your monthly payments and overall cost.

In addition, consider the different loan programs available, such as fixed-rate or adjustable-rate mortgages, and choose the one that aligns with your long-term financial goals.

Selecting a Lender That Meets Your Needs

After comparing interest rates and loan options, narrow down your choices and select a lender that meets your needs. Consider customer service, flexibility, fees, and the overall mortgage process. Choosing a lender with whom you feel comfortable working is essential and who can provide personalized assistance throughout the mortgage journey.

By devoting time and effort to finding the right mortgage lender, you can ensure you're making an informed decision and securing the best terms and conditions for your mortgage.

Start Your House-Hunting Journey

Embarking on your house-hunting journey is an exciting step towards finding your dream home. This stage involves engaging a real estate agent, exploring online listings and open houses, and making informed decisions while viewing properties.

Engaging a Real Estate Agent

A real estate agent is crucial in assisting you throughout the house-hunting process. They have in-depth knowledge of the local market and can help you find properties that align with your needs and budget. The agent will schedule home tours, provide expert advice, and guide you through negotiations.

Exploring Online Listings and Open Houses

Utilize online resources to explore a wide range of property listings that meet your desired criteria. Websites and mobile apps dedicated to real estate provide detailed information, including photos, floor plans, and virtual tours.

Moreover, attending open houses allows you to personally experience the layout and features of potential homes.

Making Informed Decisions While Viewing Properties

While viewing properties, it's essential to consider the process and make informed decisions carefully. Take note of the property's condition, location, and proximity to amenities and schools. Assess the suitability of the layout and envision how you can personalize the space to suit your lifestyle. It's important to ask questions and gather all necessary information before deciding.

By engaging a real estate agent, exploring online listings, and making informed decisions during property viewings, you are well on your way to finding the perfect home that meets your needs and preferences.

Making an Offer and the Purchase Agreement

When you have found the perfect home, it's time to make an offer and negotiate the purchase agreement. This is a crucial step in the mortgage process, as it determines the terms and conditions of the sale.

Understanding the Offer Process

Before making an offer, gather all the necessary information about the property, such as its market value and any potential issues or repairs. This will help you make an informed and competitive offer.

Once you decide on the offer price, you will submit a written offer to the seller or their real estate agent. The proposal should include the purchase price, any contingencies, and the proposed timeline for the transaction.

Including a Pre-Approval Letter or Proof of Funds

One way to strengthen your offer is by including a pre-approval letter or proof of funds. This reassures the seller that you are a serious buyer and have the financial ability to proceed with the purchase.

A pre-approval letter from your lender confirms the amount you can borrow based on your financial information. On the other hand, proof of funds is typically required if you make a cash offer or plan to use your funds for the down payment.

Negotiating Closing Dates and Contingencies

You may also negotiate the closing date and contingencies with the seller during the offer process. Contingencies are conditions that must be met for the sale to proceed. Typical contingencies include home inspections, financing approval, and appraisals.

Be prepared to negotiate with the seller to agree on these terms. Flexibility and understanding the seller's preferences can help facilitate successful negotiation and move the process forward.

The purchase agreement will be signed once both parties agree on the terms. This legally binding document outlines the rights and obligations of both the buyer and the seller. Reviewing the purchase agreement carefully and seeking legal advice if needed is recommended. Having a real estate attorney is highly recommended.

The Mortgage Application Process

Once you've found your dream home and made an offer, it's time to begin the mortgage application process. This stage involves several vital steps to ensure your loan gets approved and the documentation is provided.

Submitting Your Loan Application

First, you must submit your loan application to the selected lender. This entails completing the necessary paperwork, providing personal information, and disclosing your financial details. Double-check all documents to avoid errors or omissions that could delay the process.

The Mortgage Underwriting Process

After submitting your loan application, it goes through the mortgage underwriting process. This involves a comprehensive review of your financial information, credit history, and employment status. The underwriter assesses your ability to repay the loan and determines your eligibility for the mortgage. They may request additional documentation or seek clarification on certain aspects of your application.

Home Appraisal and Inspection

Simultaneously, the lender arranges for a home appraisal and inspection. A professional appraiser evaluates the property's value to ensure it meets or exceeds the agreed-upon purchase price. A thorough inspection is conducted to identify potential issues or defects affecting the property's livability or market value.

Providing Additional Documentation if Required

The underwriter may request additional documentation to complete the assessment during the underwriting process. This could include bank statements, tax returns, proof of employment, and other financial records. It's crucial to promptly provide these documents to avoid delays in the mortgage approval process.

Remember, the duration of the mortgage application process may vary depending on individual circumstances and the efficiency of document submission. However, by being proactive, gathering all necessary documentation, and promptly responding to requests from the lender, you can help expedite the process and increase the chances of a smooth and timely approval.

Closing the Mortgage and Home Purchase

Reaching the closing stage of your mortgage process is a significant milestone in your home purchase journey. This section will guide you through the final steps, ensuring a smooth transition to homeownership.

Finalizing Closing Date and Location

Before closing, you and the seller must agree on a specific date and location to finalize the transaction. Typically, this is done at a title company's office, a real estate attorney's office, or any other designated area. Coordinate with all parties involved to ensure a convenient and mutually agreeable time and place for the closing.

Reviewing Closing Disclosures and Loan Documents

Before the closing, you will receive a Closing Disclosure, which provides a detailed breakdown of the terms, costs, and fees associated with your mortgage. Take the time to carefully review this document carefully, ensuring accuracy and understanding.

Additionally, you'll need to review and sign various loan documents, such as the promissory note and the deed of trust. These documents outline your obligations and responsibilities as a borrower.

Paying Down Payment and Closing Costs

During the closing, you'll be required to pay your down payment and cover the closing costs associated with the mortgage. These costs typically include fees for loan origination, appraisal, title search, and legal services. Ensure you have the necessary funds through a cashier's check or bank transfer to complete these payments.

Signing the Mortgage and Homeownership Documents

Once you've reviewed and understood the closing documents, it's time to sign them. This includes signing the mortgage agreement, where you commit to repaying the loan according to the specified terms.

You'll sign the homeownership documents, which officially transfer your property ownership to you. The closing agent will guide you through signing, ensuring all necessary documents are properly executed.

After completing these steps, you've successfully closed your mortgage and become a homeowner. Congratulations! Now, you can look forward to enjoying your new home and the benefits of homeownership.

Mortgage Refinancing and Further Considerations

Mortgage refinancing can be valuable for homeowners looking to optimize their mortgage terms or access additional funds. Before pursuing this avenue, exploring refinancing options, evaluating the pros and cons, and seeking professional advice to make informed decisions for your mortgage journey is crucial.

Exploring Refinancing Options

When considering mortgage refinancing, it is essential to research and evaluate available options. Some standard options include rate and term refinancing, cash-out refinancing, and streamlined refinancing for government-backed loans.

Rate and term refinancing allows homeowners to adjust the interest rate, loan term, or both, potentially reducing monthly mortgage payments or shortening the overall loan duration. Cash-out refinancing enables homeowners to access the equity they have built in their property by borrowing against it.

Streamline refinancing, available for FHA, VA, and USDA loans, offers a simplified process with reduced documentation and underwriting requirements, making it easier and faster to refinance.

Evaluating the Pros and Cons of Refinancing

Before moving forward with mortgage refinancing, weighing the advantages and disadvantages is crucial to determine if it aligns with your financial goals and circumstances.

Pros of refinancing may include obtaining a lower interest rate, reducing monthly payments, consolidating debt, accessing cash for home improvements or other expenses, or switching from an adjustable to a fixed-rate mortgage for increased stability.

On the other hand, there may be cons to consider, such as closing costs, potential long-term costs of extending the loan term, the impact on credit scores, and the time it takes to recoup the refinancing costs.

Seeking Professional Advice for Your Mortgage Journey

Given the complexities involved in mortgage refinancing, seeking professional advice from mortgage lenders, financial advisors, or mortgage brokers is highly recommended. These experts can provide personalized guidance based on your specific situation and goals.

Professional advisors can help assess the potential benefits, guide you through the refinancing process, and help you understand any risks or challenges you may encounter. They can also assist in comparing offers from different lenders and help negotiate favorable terms.

Professional advice can provide valuable insights and help you make well-informed decisions, ensuring that mortgage refinancing aligns with your long-term financial objectives.

Final Thoughts

Understanding how long it takes to get a mortgage is an essential part of the home-buying journey. Being well-prepared will increase the odds of a smooth and successful real estate transaction. Best of luck with becoming a homeowner!

Learn more at rismedia.com

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As Featured in West + Main Home Magazine: What's Old is New Again

 
 

Rylie Perrault Staub, Director of Operations, Realtor at West and Main

 
“An early 2000’s built home through-and-through, I’ve been slowly chipping away at the beige since I moved in”
— Rylie
 
 

Ever since starting her home search in 2021, Rylie Perrault Staub has been creating Pinterest Boards, slideshows, and spreadsheets full of inspiration for every room in her house.

 
 

Wanting to keep this project as budget friendly as possible, Rylie browsed Home Depot and Lowe’s for a handful of months, on the lookout for sales and affordable products. “People are always shocked at how inexpensive this tile was; I got it on sale for less than $1.50 per piece,” said Rylie.

 
 
 
 

A new vanity was also a priority, and completely modernized the space, according to the new homeowner. “I opted for a small pre-built option, which gives more space than the original vanity and really lightens up the room.” With the main pieces of the project - the tile and the vanity - selected, Rylie finished off the space with a fresh coat of paint and new black metal fixtures.

 
 

“I considered completely tearing out the tub and shower, as these are a little dated. However, switching out all of the fixtures + freshening up the decor gave the bathroom a whole new feel, and I don’t even mind the shower now.” By saving money on this portion of the project, Rylie says she’ll be able to start her next renovation sooner.

“I just love the way this turned out,” said Rylie. “It brings me joy every time I walk past it.”

 
 
 

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How To Choose the Right Exterior Paint Colors for Your Home

 
 

Choosing the right exterior paint color for your home can be daunting.

After all, the color of your home is the first thing anyone notices, and it significantly impacts your home's overall curb appeal. But don't worry, we've got you covered. In this article, we'll walk you through how to choose the right exterior paint color for your home so you can be confident you've made the right choice.

Consider Your Surroundings
Your home's surrounding environment plays a crucial role when choosing an exterior paint color. Look at the color schemes of the surrounding homes, the lush landscaping, and the natural elements around you. You want to choose a color that complements and blends well with the existing colors to create a cohesive look. For example, if your home is surrounded by trees, you may want to choose earthy tones like olive green or brown that blend with nature.

Look at the Architecture of Your Home
The architecture of your home defines its unique style, and the right exterior paint color can enhance it. For example, if you have a Victorian-style home, you may want to consider soft, pastel colors like light blue, cream, or pink. Similarly, if you have a modern-style home, you may want to consider bold, vibrant colors like orange, yellow, or red.

Think About the Mood You Want To Create
Your home's exterior color sets the tone for anyone who sees it, so you want to choose a color that reflects the mood you want to create. For example, if you want to create a cozy, warm environment, consider neutral colors like beige, grey, or tan. Similarly, if you want to create a welcoming, cheerful vibe, consider bright, cheerful colors like yellow or turquoise.

Consider Maintenance and Durability
It's essential to choose a paint color that looks good, is durable, and is easy to maintain. Look for exterior paint that can withstand harsh weather conditions, resist fading, and is easy to clean. Consult a professional painter for recommendations on the best exterior paint brands and colors that meet your needs.

Test Out Samples
Before you commit to a color, testing out different shades first is crucial. Paint sample colors onto various sections of your home to see how they look in different lighting conditions. Observe how the color looks in the morning versus the evening or on a cloudy day versus a sunny day. This will give you a better idea of how the color will look long-term.

Choosing the right exterior paint color for your home takes careful consideration, but with these tips, you can be confident you're making the right choice. When choosing your home's exterior paint color, consider your surroundings, the architecture of your home, the mood you want to create, maintenance and durability, and test out paint samples. By considering all these factors, you'll be able to choose a paint color that enhances your home's style and personality and adds to its overall curb appeal.

Learn more at rismedia.com

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