home designing

if you think buying a new homeis out of reach because you just can't save enough for that 20percent down, well we may have some good news for you.time to clean the gutters. on today's show, we'll show youan easier way that will save you hours of nasty work.today we give you the important

home designing, abcs for choosing a new roofthat will keep your family comfortable, safe and secure foryears to come. (music).if you've ever tried to navigate the world of home mortgages, youknow there are a lot of choices

out there to help you get a homeof your own. but, if you think you need toput a 20% down payment to get started, we have big news.there are ways to get financing without this.here to tell us more is kim divad, home loan officer atprime lending. kim, so good to have you herewith us today. thank you debi for having me onthe show. i have lots of questions foryou, but before we get started, tell us what you do at primelending.

i am a branch manager at primelending, and i manage branches across the state of ohio andmichigan. we handle over 1500 loans in ayear, and we are located near one of the largest air forcebases in the united states, wright patt airforce base, so wehave a high influence of government loans for fha and va.so, what are some mortgages that maybe we would overlook or notknow about. there are so many differentneeds out there. we've got them anywhere from aconventional with a 5% down

payment, to jumbo financing whenthe loan is $417,000 and above. then, there are your governmentloans, which a few are your fha and va mortgages which allow alittle more flexibility. okay, now i've heard of them butcan we break them down to understand them a little bitbetter? fha stands for federal housingadministration. it was created back in the greatdepression to stimulate home ownership.it is insured by fha, so it's not the lender that's insured,it's fha that's insuring the

lender.okay. the lender then is the providerof the mortgage. so, that insurance covers thelender that, if the buyer defaults, the lender receives apercentage of coverage from the government, and that fhainsurance. and therefore can offer thebuyer less down-payment. yes.absolutely. okay.that down payment can be as low as 3.5%.wow.

that's incredible.it is. okay, so let's talk about theother loan. it was a va loan, so i'massuming veteran's administration?yes. yes.the va. veterans' administration.that was created back in 1944 and the purpose of that was tocreate affordable housing for military buyers.to qualify for a mortgage, there are time served requirements foractive duty military and retired

military.also, national guards and reservists are also eligible.another great benefit that many are not aware of, if you are aspouse and you've lost your spouse during the service, orfrom service connected disability, you are alsoeligible for va benefits. you know, they always say homeis where the heart is, and with these loans, it's true.they're making home ownership available to people that maybewould not have been able to without these loans.absolutely.

it allows flexibility with thedown payment requirements, because both of those loans areinsured by the government, it gives the lenders a lot moreflexibility to offer more aggressive terms for theindividuals. so, any other advice for newhome owners? take away the fears of owning ahome, and reach out to talk to a loan officer.they're there to inform you, to walk you through the step toguide you if you can buy now, in one of the many programs, or ifyou maybe need some time and

what you do need to do toprepare for that home ownership. perfect.great advice. thank you so much for being hereand explaining those programs. we really appreciate it.i do believe prime lending is coming back to show us how loanscan help us renovate as well? absolutely.i'm looking forward to that. thank you so much for beinghere. thank you.appreciate it. well, if you have missed any ofwhat we covered today, just head

on over to our website atdesigningspaces.tv. you can also find us on facebookand twitter. we'll see you soon.bye bye. (music).owning a home means there is no shortage of do it yourselfprojects. one of those projects that isnot a lot of fun, and in fact, can be quite dangerous iscleaning out the rain gutters. climbing the ladder and dealingwith the leaves, bugs, debris and muck is a tiring andpotentially dangerous chore.

spending hours on a tall ladder,reaching into those gutters is a huge safety concern.not to mention, an ugly job. on this episode of designingspaces, we're in alabaster alabama, about 25 minutes southof birmingham, where this home is getting a gutter makeover, sothat the gutters will never have to be cleaned out again.i've cleaned the roof, the gutters myself, and it gotscary. came home late at night a lot oftimes and just didn't want to do it anymore because of my age.we are installing a gutter

helmet system on top of theirexisting gutters to keep the foreign debris out and keep thewater flowing free. gutter helmet is a gutter systemthat consists of a textured surface, allowing rain water tocling to the surface as it flows downward.the edge of each of the gutter guard systems is curved andextends past the edge of the gutter to allow rain water toflow naturally into the gutter system, keeping leaves anddebris from clogging up the gutters.surface tension is a property of

water that makes it cling tothings, like when you're washing dishes and it wraps around thebottom of your cups and bowls. gutter helmet takes advantage ofthis and lets the water cling to the front of the gutter helmetwhile it floats the debris over the front edge.gutter helmet has the ability to handle 22 inches of raineach hour without overflowing, far morethan the highest recorded rain amount in the united states,which is only 11 inches in one hour, proving that gutter helmethas the ability to handle much

more than mother nature canthrow your way. gutter helmet was the first, thebest. it's america's number one choicefor gutter protection. we've installed millions of feetover 30 years. it's proven to work.there's just no better product out there.gutter helmet offers a unique and patented development in theindustry. the gutter topper preventsanimals from nesting in your gutters, blocks debris fromsettling in your gutters and

still efficiently andeffectively directs rain water away from the home.the gutter cap aids your current system in protecting your roofand home from water damage. besides the fact of keeping theleaves and debris our of your gutters, a free flowing guttersystem helps protect against wood rot, foundation damage,mold in some cases, and water eroding around your foundationand your landscaping. (drill sounds).the gutter helmet certified installers first clean, seal,check and adjust the alignment

of your gutter system wherenecessary, and then they custom fit the gutter helmet to yourhome with heavy gauge reinforced support brackets.gutter helmet panels are individually prepared andsecured over your full size gutters.gutter helmet is mounted under or over your roof shingles,depending on the construction of your home.one of the things that sets gutter helmets apart is it'scustom installed by your custom installed by your certifiedinstaller.

it's not just a cookie cutteroff-the-shelf product. it's made right here in the usa,and installed by us companies. after completion and finalinspection, your home and the property are restored to theiroriginal condition. generally, the entireinstallation can be completed in one day.gutter helmet is available in a variety of colors to match anyroof seamlessly. it blends in with metal,shingles, tile, and we are also the exclusive provider ofstonescape colors as well.

engineered to last a lifetime,gutter helmet installs over new or existing gutters.made of high quality, durable aluminum and reinforced withhorizontal stiffening ribs and each gutter helmet system comeswith a triple lifetime warranty. we call it the triple lifetimewarranty because it has three aspects to the warranty.not only does it last the lifetime of the originalpurchaser, but it is transferrable to the secondhomeowner, and it covers not only the material, but theperformance of the product, so

you never have to clean yourgutters again. only gutter helmet has theunique textured surface, and a permalife coating that will notchalk, crack, or peel. available in a variety of colorsto blend with your homes roof, so it beautifies as it protects. (music).as any long time homeowner will tell you, eventually, your homewill need a new roof. after years of exposure to theelements, materials age and their performance could beweakened.

while we all want a new roofthat is effective and good looking, there is one criticalfactor that's often overlooked. designing spaces is here inconcord ohio where this lovely home is getting a new roof.now, it's about a whole lot more than insulation and attractiveshingles. it's also about ventilation.joining us today is brian ray from owens-corning roofing.thanks so much for joining us. glad to be back with you.alright, now, why is ventilation so important for a roof?it's actually a misconception

that ventilation only benefitsyour in the summer months, or in the hot climate areas.both are incorrect assumptions. before going through a re-roofjob, homeowners should really understand the roll ventilationplays in the overall performance of the roof.you know, a properly ventilated system, with proper intake andexhaust really manages heat and moisture.it reduces the likelihood of ice damming, and really contributesto a high-performance roof. you know it's important to alsostate that you don't have to

wait until you're re-roofingyour home to improve your ventilation.a lot of roofing contractors can do it to existing roofs as well.we've talked about ventilation before, but it can be kind ofcomplicated. it can.that's why, at owens-corning, we've tried ti simplify it withthe abcs of ventilation. abc.that sounds pretty simple, so tell me more about it.a is for ample. it's the proper amount ofventilation required to manage

heat and moisture, reduce thelikelihood of ice-damming, and really improve the overallquality of your roof system and roof assembly.a trained roofing contractor should analyze the home, analyzethe amount of proper intake, the current amount of exhaust, andmake a recommendation to the home owner to improve theoverall ventilation system. alright, up next, b.b is for balance, so, the proper intake ventilation matches theexhaust ventilation. what i mean by that is theamount of air flowing into your

attic is equal to the amountthat's going out of your attic through the exhaust so it's allabout balance, so it creates a stack effect, so that fresh dryair comes in through your intake vent, and forces that stalemoist air out of the exhaust vents.alright, i have a feeling c is coming up next.c is all about control, so it's controlling the air leakage intothe attic from the conditioned living space below, and pointswhere that moisture can leak in there are recessed lights, oreven bath vents and that puts

unwanted heat and moisture intoyour heat and attic, and if you don't have the proper area togo, it could really lead to premature degradation of theroof, and overall poor roofing performance.the average homeowner produces gallons of moisture every day intheir everyday activities. cooking, bathing, and withoutproper exhaust ventilation, that moisture has no place to go, andcan lead to mold, poor indoor air quality, or can impact theoverall performance of the system.conversely, if you have plenty

of exhaust vents, but verylittle intake vent, the air is just not moving, and you'resuffocating the system. that also can lead to poorindoor air quality, mold and also all that hot stale air willforce it down into it's living space, which will put someunneeded stress on your heating and cooling.how do we know if a home has an adequate ventilation system?there are a few key indicators. if you have an unfinished attic,inspecting the nails or the metal piping within the attic,if you see rust or it's just

abnormally hot in there, thatmay be an indicator that you have excess heat and moisturetrapped in your attic. the other indicator is for coldweather environment where we encourage homeowners to look attheir room compared to their neighbors.if their neighbor's roofs have snow on them, but their don't,that may mean they have excess heat and moisture that's meltingthat snow. it's that scenario that'sleading to ice damming and so we suggest that they contact atrained professional to do an

analysis on the roof to makesure that problem goes away. did you say ice-damming?i did. ice-damming is a wall of icethat forms at the lower eve. it's caused by hot areas of yourroof, or warm areas of your roof, that make that snow andice melt, and then it refreezes at the cooler portions along theeve. water gets trapped behind thatwall of ice and without a place to go, forces its way up underthe shingles and can cause a lot of damage to your insulation,your drywall, or even your

structural materials within yourroof. when most people think of roofventilation, they think of those spinning turbines, and those canreally be an eyesore. they certainly can.the other thing i tell homeowners is just because yousee them up there doesn't mean they're working properly.remember, without them, a proper amount of intake ventilation, noexhaust vent will work, so one of the tips we always share withhomeowners is to make sure their intake vents are free frominsulation, so they're not black

with insulation, and they're notpainted over, either. vent-sure ridge and roof ventsare designed to improve the aesthetics of the overall roof,and the performance. remember, we talked about thetotal protection roofing system. well, the vent-sure productportfolio is 2 of the 7. vent-sure intake and exhaust.so, soffit and inflow for intake, and ridge and roof ventsfor the exhausts. notice the soffit vents arelower than the exhaust vents because hot humid air rises,which creates a natural flow in

the attic.if someone needs a new roof, how can they go about finding aqualified contractor who can install a proper ventilationsystem? the national network ofowens-corning roofing contractors makes it easy tofind a professional in your area, simply visitowenscorning.com/roofing to find a professional in your area, orlearn more about the ventsure ventilation system.a system designed to improve the overall aesthetics andperformance of the roof and

attic structure is a keycontributor to the overall performance of the roof andprovide the homeowner a comfortable living environment.brian, thanks so much for joining us today, and teachingus a valuable lesson on roof and attic ventilation.as always, if you'd like to view this segment again, you can logonline to designingspaces.tv and while you're there, you'll alsofind the link to the owens-corning website.here in concord, ohio, i'm nicole marcellino, for designingspaces.

(music).the way i met amy was in my art appreciation class that i tookin my senior year of college. he started making me laugh andthat caught my attention, and he's always been able to make melaugh a lot. after todd earned a job as amechanical engineer, he and amy took advantage of a great offerand bought this home in south florida.when we first saw the house, i knew right away it was my dreamhouse. exactly what i envisioned whenwe got married.

the house could use someupgrades, and one of the areas todd and amy are looking for isthe dining room. put some crown molding and somechair rails in, and you know, really bring out the elegance ofthe room for us. i'm really into the diy thing,so i'm like "why not? let's do it."we got together with the team at woodgrain millwork and broughtin renee crill and joe wetstein to give helpful tips andsuggestions to enhance the space with molding.we will be installing finished

elegance by woodgrain, which isa new finished molding. it is more durable than yourtraditional molding. since finished elegance isalready finished white, amy and todd will first need to havetheir white walls painted with an off white paint to achieve acontrast between the molding and the wall.finished elegance is great for diyers, new diyers, because itinstalls in three easy steps. so, they just need to cut it,install it, nail it up, and then just touch it up with the waxfill stick, and the caulk and

it's done.so, it doesn't require the sanding, priming, and paintingand multiple steps of your traditional molding.joe wetstein is finished elegance's category manager, andis here to lend a helping hand to the inexperienced couple.the first thing we need to do is measure everything out andunderstand what the measurements are, and how much molding weneed to do the room. first, joe,todd and amy willwork on cutting the molding for thejudge's panel.

now that all of the pieceshave been cut, it's time to install themon the wall. we have pre-drawn our guidelinehere and we're going to go ahead and lift it up in place andbring it to so the bottom of the chair rail comes right to thisline. the chair rail is attached tothe wall with a nail gun, leaving the nails visible.woodgrain has got a solution for that.what we've got inside this touchup kit is a wax crayonfilled stick, and it is again

color matched to the finishedelegance white. we got a plastic scraper and abuffing pad, so all you've got to do is color inside the nailhole and fill it in with the wax.scrape the excess off with razor blade and buff it clean with thebuffing pad. the project is really shapingup. the chair rail and the judge'spanels are installed. now, all that's left to do isput up the crown molding. we've got, up there in the trayceilings, we've pre-drawn the

lines so that we've got a lineto hold the bottom of the crown right to that.todd, if you want to grab that piece right there on the floor,and yep we'll just go ahead and take it right up.the last step before completion is to apply caulking to thechair rail. we want to use this finishedelegance color match caulk and fill in all the gaps from wherethe walls may not have been completely straight, and anygaps also in the miters. once the molding is installed,the room will have a nice look

and feel to it.the white molding finished elegance will pop against theoff-white walls and it will really look nice, and will add anice feel to their dining room. alright, so we're done.what did you guys think of the finished product?absolutely loved it. the room looks fantastic.it completely changed the character.i cannot wait to bring my friends and family here to hostdinner parties. i think they're going to loveit.

thank you so much for having usin here. thank you.alright, enjoy your new dining room.thanks. you can find out more aboutfinished elegance, what the product is made of, the featuresand benefits of the products, how to install it atfinishedelegance.com. (music).making a space you can call home, living the lifestyle youdesire, it's what we are all about.we are designing spaces.

for more information aboutanything you've seen on today's show, or to find out how to bepart of the show, log on to designingspaces.tv.you can visit these websites to learn more about theparticipants on this edition of designing spaces.(music).

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