Blog Articles and Company News

Things That Can Help You with a Down Payment

Often, the biggest hurdle in attaining homeownership is having enough money for a down payment. This is even more so the case for people trying to get into the market for the first time. At Justice Homes, we believe in the value of homeownership. Which is why we want to share some tips with you that can help you reach your goals and save enough for a down payment.

Crowd Fund

The internet has made it increasingly easier to stay involved in the lives of the ones we love. And you may be surprised by how much the people who love you want to assist you. If you are struggling to come up with a down payment, turning to crowdfunding is a great resource. Look into setting up a fund that loved ones can donate to via Feather the Nest and Hatch My House.

Down Payment Assistance Programs

Without further research, the first impression of many is that a 20 percent down payment is mandatory. This is actually not the case. Many people choose to put down 10%, 5%, or 3%. With some programs, you can even put 0% down. Ask your lender if you qualify for FHA or USDA loans to take advantage of these little to no down payment requirements. It is important to be aware, however, that if you put less than 20 percent down, you will likely need to pay mortgage insurance until you have paid 20 percent on your house.

Seller Assistance

Another option is asking the seller for assistance. Aside from the down payment itself, you also need to pay a lot of fees when you purchase a home. Which of course, is another added financial burden. Some sellers are willing to lighten that burden because they want to sell a property quickly or for some other varying reason. Ask your realtor to see if the seller will agree to paying for parts of the closing costs. Since both of you benefit from closing, they are likely to agree to it.

Thankfully today, there are many avenues you can take that will aid you in meeting down payment requirements. And once you are able to begin house hunting, why not start at Justice Homes?

By Justice Homes 1-21-2022

Keep an Eye Out for These Design Trends in 2022

At Justice Homes, we love building our homes with new and exciting elements. And so naturally, our team is interested in keeping our finger on the pulse of the latest design trends. And if you are here, odds are that you are interested too. So, let’s look at some predictions from interior designers about which trends you are likely going to see pop up in 2022.

Rounded Edges

Rounded edges are soft and welcoming. It’s no wonder that people are ever more drawn to them when designing spaces. Rounded edges on hutches, tables and other pieces of furniture are one great way to try out the trend. But rounded edges offer even more artistic interest when utilized in architecture. Rounded doorways, windows, and cutout niches are sure to lend a soft touch and create flow.

Grandmillenial

This trend is mainly driven by those in their 20’s and 30’s who want to welcome comforting things from their grandma’s homes into theirs, but in a more updated way. Think timeless natural wood furniture, ruffled and pleated skirts on furniture, and ornate chandeliers. Oh, and brass. Brass trinket holders, candlesticks, and lamps should lend well to achieving this look.

Natural and Reclaimed

Reclaimed wood, bamboo, rattan, and jute, these things naturally have a uniqueness that reminds you that they are crafted from nature. Each piece has its own veins and colors. People crave elements that bring them closer to nature while also not making a huge environmental impact. Hence why these elements are a big trend in 2022. Large, reclaimed beams on ceilings, as a mantle piece, or over a doorway always make an impact. Rattan furniture is another timeless way to incorporate this trend into your home.

Plaster

Plaster is a material that has been used for centuries. It effortlessly offers an artistic, old-world feel. Many people are drawn to the irregularities that plaster makes, which is why it lends major visual interest. Try out plaster yourself by using it to finish your walls, complete a fireplace, or simply by adding a plaster lamp or accent piece.

The word trend can seem negative, but the ones we mentioned today and the ones we use at Justice Homes are actually just timeless design elements that are gaining popularity at the moment. All of these design elements have been seen and loved before. Anything that you love having in your house cannot possibly go out of style. And the good news is that if you want to switch things up, you can always make a change! So why not take advantage of access to these trends and try out a new design element that you like this year.

By Justice Homes 1-19-2022