The Columbus Team | Real Estate

Columbus Mortgage Rate Update

Steve Wagner — Mon, 20 Feb 2012 20:56:48 +0000

The markets are generally the same as Friday however several markets are closed due to it being a Government Holiday. Crude Oil is up again this morning due to the Iranian situation threathening to cut off oil. Greece appears to be getting closer to being stable. I hope you all bought gasoline last Friday on my recommendation. Saturday, prices in Central Ohio jumped up $.25 per gallon.

MORTGAGE TIP OF THE DAY:
Each loan that we process, we must perform a duty called “data verify”. We are required to put into a national database the borrowers name to see what other properties around the nation the borrower is associated. If the borrower has an odd, complicated name, the research is quite effective. If it is a common name, it is just about worthless. We spent a fair amount of time tracking down this information.

THOUGHT OF THE DAY: (This is the serious part)
“No man can think clearly when his fists are clenched.”
George Jean Nathan(1882-1958)
American editor and drama critic

FUN FACTS:
On this date in 1962, Lt. Colonel John Glenn became the first American in orbit as he circled the earth three times in Friendship 7.

Monday, February 20, 2012, 11:05am
Loan Program Rate: APR*: Payment Estimates:

30 Year Fixed 4.000% (same) 4.072% $954.85 Interest and Principal
• Purchase or rate and term refinance

30 Year Fixed 4.125% (same) 4.198% $969.30 Interest and Principal
• Cash out refinance***

15 Year Fixed 3.375% (same) 3.498% $1,417.52 Interest and Principal
• Purchase or rate and term refinance

15 Year Fixed 3.500% (same) 3.605% $1429.76 Interest and Principal
• Cash out refinance***

Bond Money 3.875% (same) 4.862% $1132.15 Int. & Princ. & Mtg Ins.
• First Time Homebuyer Bond Money + 1% origination fee

FHA Fixed 3.750% (same) 4.723% $1117.78Int. & Princ. & Mtg. Ins.
• Purchase or refinance

Jumbo Fixed 4.875% (same) 4.980% $2,212.10 Interest and Principal
• 30 Year Purchase and Refinance over $418,000

5/1 ARM 3.000% (same) 3.285% $872.72 Interest and Principal

30 Year Purchase and no cash out refinance

LEGAL STUFF

Provided for informational purposes only.

• *APR – Annual Percentage Rate
• **ARM – Adjustable Rate Mortgage (rate may increase after consummation of the loan)
• ***Cash out refinance – Refinance means pulling out at least $2,000 or more or paying off a non-purchase second mortgage

All payments estimates above do not include amounts for property taxes and homeowner’s insurance
premiums and your actual payment obligation will be greater.

Annual Percentage Rates and Payment Estimates quoted are based on a $200,000 loan amount and Jumbo fixed loan amount is $418,000 and 20% down payment with the exception to the FHA and OHFA quotes which are based on a 3.5% down payment.

Qualifying Assumptions (unless otherwise noted): 30 day rate lock, $200K-$417K loan amount, credit scores 740+, Owner-occupied Purchase or rate/term refinance, 75% loan to value. Cash-out refinances (including paying off a non-purchase 2ndmortgage) could result in a slightly higher interest rate. The interest rates quoted are to serve as a guide only and may be different based on specific loan features. Please call for a specific quote.

We CANNOT lock in an interest rate on a loan with a voicemail or email. The customer MUST talk to the loan officer over the phone or in person before it can be confirmed. The market changes too frequently.
We recommend calling during business hours to make sure we have all the markets open and available.

THINGS MY MOM WOULD HAVE SAID:
Have impeccable manners.

Rates and APRs Established By:
STEVE WAGNER Mortgage Consultant
614-445-6667…stevewagner@stevewagnermortgage.com

The Martin, Traxler & Wagner Team of Priority Mortgage Corp.

888.332.5301 Toll Free
614.474.8050 Fax
www.prioritymortgage.com

Open Houses for Sunday Feb 19

admin — Fri, 17 Feb 2012 21:00:34 +0000

4 of The Columbus Team listings will be having an Open House this weekend, Sunday, February 19, 2012. Stop by to say Hello!

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View this listing

90 Oakland Park Ave
Columbus 43214
Open House 1-3 pm

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View this listing

557 Fallis
Columbus 43214
Open House 1-3 pm

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View this listing

72 Brighton
Columbus 43202
Open House 1-3 pm

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View this listing

8024 Millway Loop
Powell 43065
Open House 1-3 pm

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Columbus Mortgage Rate Update

Steve Wagner — Fri, 17 Feb 2012 20:38:06 +0000

More good economic news came out along with a more firm bailout with Greece is causing rates to go up. Crude Oil is also up today. I HIGHLY recommend buying gasoline today. I am expecting a jump soon.

MORTGAGE TIP OF THE DAY:
We are required to get the borrowers transcipt of their taxes from the IRS to make sure what they have sent them corresponds with what they gave us. If for some reason the IRS is behind in entering that data into their system, we are stuck until they get caught up.

THOUGHT OF THE DAY: (This is the serious part)
“School is not the end but only the beginning of an education.”
Calvin Coolidge
(1872-1933)
30th president of the United States

FUN FACTS:
Coca Cola was banned from India in 1977 for refusing to disclose it’s secret formula.

Friday, February 17, 2012, 11:25am

Loan Program Rate: APR*: Payment Estimates:

30 Year Fixed 4.000% (+.125) 4.072% $954.85 Interest and Principal
• Purchase or rate and term refinance

30 Year Fixed 4.125% (+.125) 4.198% $969.30 Interest and Principal
• Cash out refinance***

15 Year Fixed 3.375% (+.125) 3.498% $1,417.52 Interest and Principal
• Purchase or rate and term refinance

15 Year Fixed 3.500% (+.125) 3.605% $1429.76 Interest and Principal
• Cash out refinance***

Bond Money 3.875% (same) 4.862% $1132.15 Int. & Princ. & Mtg Ins.
• First Time Homebuyer Bond Money + 1% origination fee

FHA Fixed 3.750% (same) 4.723% $1117.78Int. & Princ. & Mtg. Ins.
• Purchase or refinance

Jumbo Fixed 4.875% (same) 4.980% $2,212.10 Interest and Principal
• 30 Year Purchase and Refinance over $418,000

5/1 ARM 3.000% (same) 3.285% $872.72 Interest and Principal

30 Year Purchase and no cash out refinance

LEGAL STUFF

Provided for informational purposes only.

All payments estimates above do not include amounts for property taxes and homeowner’s insurance premiums and your actual payment obligation will be greater.

THINGS MY MOM WOULD HAVE SAID:
Overtip breakfast waitresses.

Rates and APRs Established By:

STEVE WAGNER Mortgage Consultant
614-445-6667…stevewagner@stevewagnermortgage.com

The Martin, Traxler & Wagner Team of Priority Mortgage Corp.

888.332.5301 Toll Free
614.474.8050 Fax
www.prioritymortgage.com

100 Years of Art: Celebrating Columbus’ Legacy

admin — Fri, 17 Feb 2012 15:30:54 +0000

Not everything worth looking at comes at a premium price. Case in point: the Ohio Arts Council’s Riffe Gallery (at the Vern Riffe Center for Government and the Arts, on South High Street) has been offering, since late January, a wonderful tribute to the creative forces that have been at work in the Columbus area for over a century. And oh yes, the event, plus the parking, have been f-r-e-e since the get-go. Interested?

Melissa Wolf, from the Columbus Museum of Art, is this exhibition’s curator. There are contributions from 53 artists, each of whom was influenced by local and national artistic developments. According to Wolf, the city’s art world “perhaps is best characterized by a remarkably easy and dynamic exchange among its diverse artistic communities, from folk art to fine art to commercial art, from local artistic personalities to national artistic movements”.

Several events around the exhibition have already taken place, but that doesn’t mean you can’t get in on the viewing, or that all the events are over. Check out the following Riffe Gallery schedule, but remember, you’ll need to get in on this before the event closes on April 15th of this year:

Tuesdays: 10 a.m. – 4 p.m.
Wednesdays: 10 a.m. – 5:30 p.m.
Thursdays: 10 a.m. – 8 p.m.
Fridays: 10 a.m. – 5:30 p.m.
Saturdays and Sundays: Noon – 4 p.m.

The Gallery is closed Mondays, and on state holidays. Best to give them a call to make sure the hours posted above are in force when you go.

The Ohio Arts Council’s Riffe Gallery highlights the work of Ohio curators, artists, and collections from museums and galleries in the region. If you’d like to know more about this exhibition, you can give them a call at (614) 644-9624. Better still, have your own private viewing of everything about the Riffe Gallery by heading over to their website. If you and your friends, family, or perhaps school want to schedule a group tour, it’s best to give them a call to arrange it. The Ohio Arts Council is a state agency. It both funds and supports “quality arts experiences”, and these in turn can help strengthen your community.

Columbus Mortgage Rate Update

Steve Wagner — Wed, 15 Feb 2012 19:21:06 +0000

Rates are slightly in our favor again this morning but I don’t see a good reason why. China has offered to help out Greece by investing in them and the congress approved the extension of the payroll tax cut. Both would indicate a better economy and rates should be going up but that didn’t happen. Another puzzling thing is Crude Oil prices are up but Gasoline prices in Central Ohio are going down. That doesn’t make sense. There is usually a direction relation between Crude Oil and Gasoline prices. We are scratching our heads today.

MORTGAGE TIP OF THE DAY:
If a property goes into contract that is in foreclosure, Freddie and Fannie are making us have the seller, buyer and both Realtors sign that this is an arm’s length transaction with no one trying to bail out the seller. What will they think of next?

THOUGHT OF THE DAY: (This is the serious part)
“There are three ingredients in the good life: learning, earning, and yearning.”
Christopher Morley
(1890-1957)
American writer

FUN FACTS:
All the ants in Africa weigh more than ALL the elephants.

Wednesday, February 15, 2012, 12:35pm

Loan Program Rate: APR*: Payment Estimates:

30 Year Fixed 3.875% (same) 3.947% $940.48 Interest and Principal
• Purchase or rate and term refinance

30 Year Fixed 4.000% (same) 4.072% $954.85 Interest and Principal
• Cash out refinance***

15 Year Fixed 3.250% (same) 3.498% $1,405.34 Interest and Principal
• Purchase or rate and term refinance

15 Year Fixed 3.375% (same) 3.605% $1417.52 Interest and Principal
• Cash out refinance***

Bond Money 3.875% (same) 4.862% $1132.15 Int. & Princ. & Mtg Ins.
• First Time Homebuyer Bond Money + 1% origination fee

FHA Fixed 3.750% (same) 4.723% $1117.78Int. & Princ. & Mtg. Ins.
• Purchase or refinance

Jumbo Fixed 4.875% (same) 4.980% $2,212.10 Interest and Principal
• 30 Year Purchase and Refinance over $418,000

5/1 ARM 3.000% (same) 3.285% $872.72 Interest and Principal

30 Year Purchase and no cash out refinance

LEGAL STUFF

Provided for informational purposes only.

All payments estimates above do not include amounts for property taxes and homeowner’s insurance premiums and your actual payment obligation will be greater.

THINGS MY MOM WOULD HAVE SAID:
Save an evening a week for just you and your other half.

Rates and APRs Established By:

STEVE WAGNER Mortgage Consultant
614-445-6667…stevewagner@stevewagnermortgage.com

The Martin, Traxler & Wagner Team of Priority Mortgage Corp.

888.332.5301 Toll Free
614.474.8050 Fax
www.prioritymortgage.com

Get a Permit Before Planting a “Street Tree” in Columbus

admin — Wed, 15 Feb 2012 14:13:17 +0000

Although winter is still hanging around, ’tis the season for graph paper, gardening manuals and many plans and plots for improving curb appeal, in hopes that spring will soon be here!

Are you planning a project which includes planting or removing trees to improve your home’s curb appeal, or is your neighborhood is one of the many in Columbus affected by the Emerald Ash Borer beetle? Several of our communities have lost their tree-lined streets to the state and city’s efforts to combat that pesky bug; and homeowners there are planning to remove diseased trees, or to plant one or more of those shade-giving beauties to fill in those gaps left by the city tree removal crews (see the ODNR website for info on the beetle battle). Many folks are unaware of the city’s regulations about tree planting and removal when they begin their plans. A few minutes on city websites can save you from fines and the loss of your just-planted tree to city removal: Plus they can give you great tips on the proper planting and pruning for best results for the city AND your tree!

Most homeowners are aware of easements and right-of-ways around their homes. We see them on the maps of our property, and are reminded of them when a utility repair is done in our backyards, or when we erect a fence. Did you know the grassy strip between the curb and the sidewalk is also a right-of-way? It belongs to the city, but as a homeowner you are required to maintain it. This becomes especially important when considering planting trees. If you’re planning a tree well inside your property line and away from the sidewalk, you’re good to go. However, Columbus regulations are clear that to cut down or plant a tree on the grass berm between the sidewalk and the street, otherwise known as a “street tree” without a permit is against the regulations. You can be fined the cost of replacing an illegally removed tree, and the city can remove your new tree at your cost if it was planted without a permit. The rules are clear and easy to follow, and applying for a permit online is simple. Well worth doing in order to be able to enjoy lovely trees for decades to come!

If you want to remove an old, damaged, or infested tree that’s already in the right-of-way, you need to apply for a removal permit on the Urban Forestry website, and the city will often remove it at no cost to you. You may have to have the stump removed at your cost, if that is important to your landscaping plans.

Citizens are welcomed and encouraged to plant their own street trees, but within Columbus regulations and guidelines. To apply for a tree planting permit, another page on the Urban Forestry website has the online application. The Urban Forestry site also has regulations about planting trees, and types of trees that are prohibited as street trees, a PDF list of recommended species, and a PDF diagram of how to properly plant a tree on the right-of-way. The list of prohibited trees is designed to eliminate weak-wooded trees that are too easily storm-damaged, and trees with fruit that is a nuisance and can stain or damage cars. Planting according to city instructions means that your tree will have enough room to grow for many years before affecting a sidewalk or curb; and avoiding prohibited trees can reduce the chances that your tree may drop branches or fall on cars and pedestrians. Because of that risk, homeowners who plan to plant other trees inside the property line may want to avoid the prohibited trees on their own land…no sense planting a tree that has a significant risk of damaging your home or vehicle!

For questions, concerns, or to learn more about planting or removing a street tree in Columbus, please call the Urban Forestry office at 645-6640.

Columbus Mortgage Rate Update

Steve Wagner — Wed, 15 Feb 2012 02:46:36 +0000

The market moved in our direction slightly this morning as retail sales came out for the month of January and they were less than expected. That coupled with the worry over the Greece situation has made the market move in our direction.

MORTGAGE TIP OF THE DAY:
Freddie and Fannie allow a total of 10 properties to be financed however many lenders have what we call “over lays”. Those are rules that are more strict than Freddie and Fannie. We deal with several companies who do NOT have that over lay. Most stop at 4 properties, we can go as high as 10.

THOUGHT OF THE DAY: (This is the serious part)
“Instead of loving your enemies, treat your friends a little better.”
Ed Howe
(1853-1937)
American journalist

FUN FACTS:
Women blink nearly twice as much as men.

Tuesday, February 14, 2012, 11:35am

Loan Program Rate: APR*: Payment Estimates:

30 Year Fixed 3.875% (same) 3.947% $940.48 Interest and Principal
• Purchase or rate and term refinance

30 Year Fixed 4.000% (same) 4.072% $954.85 Interest and Principal
• Cash out refinance***

15 Year Fixed 3.250% (same) 3.498% $1,405.34 Interest and Principal
• Purchase or rate and term refinance

15 Year Fixed 3.375% (same) 3.605% $1417.52 Interest and Principal
• Cash out refinance***

Bond Money 3.875% (same) 4.862% $1132.15 Int. & Princ. & Mtg Ins.
• First Time Homebuyer Bond Money + 1% origination fee

FHA Fixed 3.750% (same) 4.723% $1117.78Int. & Princ. & Mtg. Ins.
• Purchase or refinance

Jumbo Fixed 4.875% (same) 4.980% $2,212.10 Interest and Principal
• 30 Year Purchase and Refinance over $418,000

5/1 ARM 3.000% (same) 3.285% $872.72 Interest and Principal

30 Year Purchase and no cash out refinance

LEGAL STUFF

Provided for informational purposes only.

All payments estimates above do not include amounts for property taxes and homeowner’s insurance premiums and your actual payment obligation will be greater.

THINGS MY MOM WOULD HAVE SAID:
Learn to show cheerfulness, even when you don’t feel like it.

Rates and APRs Established By:

STEVE WAGNER Mortgage Consultant
614-445-6667…stevewagner@stevewagnermortgage.com

The Martin, Traxler & Wagner Team of Priority Mortgage Corp.

888.332.5301 Toll Free
614.474.8050 Fax
www.prioritymortgage.com

Columbus Mortgage Rate Update

Steve Wagner — Mon, 13 Feb 2012 18:16:09 +0000

The market is drifting against us this morning as an austerity agreement was signed with Greece this weekend. Money will start flowing from the US back to the EU. We will see how this holds up as the week goes on.

MORTGAGE TIP OF THE DAY:
Freddie and Fannie are now making us prove information we used to guess at such as other real estate that the borrower may own and information concering that property. i.e. insurance, taxes, condo fees, etc. Taxes are easy, we just go to the auditors website and gather that information. If the taxes and insurance are included with their payment, we must prove that with the borrower. The Fed’s are looking under every rock right now.

THOUGHT OF THE DAY: (This is the serious part)
“Canada is a country whose main exports are hockey players and cold fronts. Our main imports are baseball players and acid rain.”
Pierre Trudeau
Prime minister of Canada

FUN FACTS:
Winston Churchhill was born in a ladies’ room during a dance.

Monday, February 13, 2012, 10:55am

Loan Program Rate: APR*: Payment Estimates:

30 Year Fixed 3.875% (same) 3.947% $940.48 Interest and Principal
• Purchase or rate and term refinance

30 Year Fixed 4.000% (same) 4.072% $954.85 Interest and Principal
• Cash out refinance***

15 Year Fixed 3.250% (same) 3.498% $1,405.34 Interest and Principal
• Purchase or rate and term refinance

15 Year Fixed 3.375% (same) 3.605% $1417.52 Interest and Principal
• Cash out refinance***

Bond Money 3.875% (same) 4.862% $1132.15 Int. & Princ. & Mtg Ins.
• First Time Homebuyer Bond Money + 1% origination fee

FHA Fixed 3.750% (same) 4.723% $1117.78Int. & Princ. & Mtg. Ins.
• Purchase or refinance

Jumbo Fixed 4.875% (same) 4.980% $2,212.10 Interest and Principal
• 30 Year Purchase and Refinance over $418,000

5/1 ARM 3.000% (same) 3.285% $872.72 Interest and Principal

30 Year Purchase and no cash out refinance

LEGAL STUFF

Provided for informational purposes only.

All payments estimates above do not include amounts for property taxes and homeowner’s insurance premiums and your actual payment obligation will be greater.

THINGS MY MOM WOULD HAVE SAID:
Read hospital bills and doctor bills carefully. It’s reported that 89% contain errors—not in your favor, either.

Rates and APRs Established By:

STEVE WAGNER Mortgage Consultant
614-445-6667…stevewagner@stevewagnermortgage.com

The Martin, Traxler & Wagner Team of Priority Mortgage Corp.

888.332.5301 Toll Free
614.474.8050 Fax
www.prioritymortgage.com

Columbus Mortgage Rate Update

Steve Wagner — Fri, 10 Feb 2012 19:41:38 +0000

The market is improving in our direction. Talks have stalled with Greece because to fix the problem there’s an austerity program that will have to be implemented. The population who has been used to all the great giveaways are not excited about biting the bullet. It’s like spoiled kids who have had their way too long.

MORTGAGE TIP OF THE DAY:
15 year Fixed loans FHA tend to be cheaper per month than a Conventional loan. We are able to pay the upfront MIP insurance from our profit and the rate tends to be about .125% lower. The great part is that the loan is fully assumable WITH release of liability.

THOUGHT OF THE DAY: (This is the serious part)
“The wheel doesn’t roll too far from the trailer”.
Anonoymous

FUN FACTS:
There are more chickens than people in the world.

Friday, February 10, 2012, 1:20pm

Loan Program Rate: APR*: Payment Estimates:

30 Year Fixed 3.875% (same) 3.947% $940.48 Interest and Principal
• Purchase or rate and term refinance

30 Year Fixed 4.000% (same) 4.072% $954.85 Interest and Principal
• Cash out refinance***

15 Year Fixed 3.250% (same) 3.498% $1,405.34 Interest and Principal
• Purchase or rate and term refinance

15 Year Fixed 3.375% (same) 3.605% $1417.52 Interest and Principal
• Cash out refinance***

Bond Money 3.875% (same) 4.862% $1132.15 Int. & Princ. & Mtg Ins.
• First Time Homebuyer Bond Money + 1% origination fee

FHA Fixed 3.750% (same) 4.723% $1117.78Int. & Princ. & Mtg. Ins.
• Purchase or refinance

Jumbo Fixed 4.875% (+.125) 4.980% $2,212.10 Interest and Principal
• 30 Year Purchase and Refinance over $418,000

5/1 ARM 3.000% (same) 3.285% $872.72 Interest and Principal

30 Year Purchase and no cash out refinance

LEGAL STUFF

Provided for informational purposes only.

All payments estimates above do not include amounts for property taxes and homeowner’s insurance premiums and your actual payment obligation will be greater.

THINGS MY MOM WOULD HAVE SAID:
Begin each day with your favorite music. (i.e. clock radio)

Rates and APRs Established By:

STEVE WAGNER Mortgage Consultant
614-445-6667…stevewagner@stevewagnermortgage.com

The Martin, Traxler & Wagner Team of Priority Mortgage Corp.

888.332.5301 Toll Free
614.474.8050 Fax
www.prioritymortgage.com

Romance with Red

admin — Fri, 10 Feb 2012 14:03:19 +0000

February is the month of romance: Red roses, red valentines, red wine…the list goes on. Have you ever considered going bold with paint color and doing an accent wall, a piece of furniture, or even a whole room in red? If you’re thinking of painting a little excitement into your home, there’s a ton of information and inspiration waiting for you.

Painting a wall, piece of furniture, or room in red is a bold step. Maybe browsing through some professionally designed rooms where red is an accent, a theme, or the star of the show will give you that red badge of courage to paint your own red room! If you’re looking for rose-colored inspirations with a classic and elegant look, Martha Stewart has multiple examples of decorating with red. For those who wonder how many shades of red paint are out there and what big-name designers do with those shades, HouseBeautiful.com has a slideshow of shades and tints of red, along with designer comments on how and where they like to use those shades. And Sunset.com, of DIY book fame, has 20 ways you can decorate with red paint.

Choose wisely when using such a deep paint color. It can be more work both to apply and cover the deep reds, so make sure you like the color in every light before you apply it to the whole wall. Start with a visit to the paint chip display in your favorite hardware or paint store. Take a few different shades and tints of red. Take the chips home, and view them in the light you’ll use where you’re thinking of painting: Morning sun, daylight, lamplight, and sunset can all change the color. Eliminate the ones that don’t suit you in every light. Once you’ve chosen a couple of favorites, head back to the store for samples. Most stores now offer trial sizes of their custom colors, as well as their most popular paint colors and types. Purchase a small amount of two or three colors, and paint large splotches on the area you’re thinking of painting red. Again, live with the colors and see what you think.

When you’ve found your perfect red, prepare to apply the paint carefully. Deep colors often require thoughtful preparation. A tinted primer on the wall first can cut down on the number of coats you must apply to get even coverage. Ask your paint specialist what they recommend for the exact shade you’ve chosen. Also, when choosing your paint, make sure you choose the correct tinted base. Deep custom paint colors start with a tinted base so the paint is less diluted with pigment when customized. Mix thoroughly so that the pigment is evenly distributed through the paint from first stroke to last. If you use more than one can, use a bucket to mix the cans of paint together, and then work from the combined paint so that the paint color doesn’t change between cans. And be prepared to cover the area with extra coats. Leave enough time for the paint to dry between coats. This makes it easier to see where the “bald” spots are!

Think toward the future, too. You may not always want a red wall, or at least not this exact shade. Use tape to mask edges of woodwork and corners, and apply to a clean surface to prevent bubbling, cracking, and peeling. And think long and hard before painting hard-to-reach areas, such as ceilings and rooms that require scaffolding to reach the upper areas. Deep colors require several coats to saturate the surface not only when you apply the paint, but again when you try to cover it to change colors.

Red is the color of love, excitement, energy and warmth. In China, red is the color of good luck and prosperity. It’s a favorite shade in romantic bedrooms and is used to enliven conversation and appetites in dining rooms. Red can be regal, historical, vivacious, country fun or urban funky! If your home has a case of the beige blahs, red may be just the splash of excitement you’ve been dreaming about.