#Mortgage Renovation Mortgage

[becca-e-barnes]

I'm not really feeling like myself today so I'm gonna indulge myself a little.

I don't remember the last time I talked about anal on here but more specifically, I'm imagining Lee and his little innocent wife again (I know you've all missed Lee as much as I have 🥵)

I think anal would be something she wouldn't often ask for because I always imagine she's quite shy about asking for what she wants but anal becomes one of their mutual favourites very quickly.

The way Lee would dote on you before anal just makes me melt. He's not nearly as reckless and rough. It's all gentle praises and soft kisses, trailing his thick fingers against your soaked sex until they're well enough coated in your arousal that he can slide two into your ass.

He'd be so mesmerised by the way you enjoy it; watching the sweet, innocent woman he married begin to explore her own sexuality and slowly start to indulge in fantasies she'd never admitted to anyone else just does it for him.

Lee's not a stranger to toys in the bedroom but nothing makes him hard like the memory of the first evening he came home from work to his wife, a couple of days after he'd got you a cute little princess plug.

He's usually greeted with a brief kiss when he comes in the door but that night, you couldn't tear your mouth off his if you tried. He tastes faintly of the toffees he keeps in the car but his mouth is so warm and distinctly his, it's addictive.

"What's gotten into you, sweetie?" You've pressed yourself flush against his body, standing on your tiptoes to kiss him while your fingers hook his belt loops, pulling him closer.

" 'm sorry. I need you." You've been worked up all day, imagining how your husband will touch you when he gets home and now he's here, you don't want to wait. The dinner can burn for all you care.

You notice how warm his hands are as they shift from your waist, reaching down to squeeze your ass and when you whimper against his mouth, it all clicks for him.

"Livin' room, sweetheart." That's exactly where he wants to be right now, instead of cramped in your tiny little hallway and when you don't make a move, he scoops you up and carries you there before sitting down in his armchair.

"Turn around. Bend over." They're clear instructions. Your feet are planted between his as you follow his lead. He pulls the skirt of your dress up and your underwear down your legs.

"God, do y'have any idea how wet you are?" The sparkling end of the plug sits neatly between the cheeks of your ass but it's hard to miss the way your slick arousal seems to almost glisten on your skin in the dim lighting.

Your breath catches in your throat feeling your husband trail his thick fingers from your neglected clit, back to tease your soaked entrance. Your body resists him pressing into you though. Having one hole filled at a time is more than enough for you for now.

"Thought I'd try it this mornin'. Slipped it in before I started the cleaning." You might feel embarrassed at how exposed you are if you weren't so turned on. "Couldn't even think straight by noon."

"Such a good girl for me. Shoulda called, honey. I'd have come straight home" He taps the base of the plug rhythmically and even that's enough to make you squirm. With his other hand, he's palming his own cock through his work trousers but that's not his main focus in that moment.

"Let me take the edge off for you. I'll take real good care of you after dinner, how does that sound?" His fingers circle your clit with the kind of ease that only comes with practice while he taps the base of the plug with the fingers of his other hand. Your body flutters around the metal inside you, offering a pleasant reminder of how full you feel and you're quite sure nothing will compare to the evening you have ahead of you.

[stars-inthe-sky]

How are things going post-move? How many boxes left unpacked? Anything hung on the walls yet? What’s your kitchen like? Said hi to any neighbors?

So far so good! Bébé's new daycare starts Monday, and I think things will feel a lot more normal and relaxed once we're all truly back in our routines and her various grandparents (who have been heroically covering childcare for the last three weeks) clear out.

There ARE some things hung on the walls, but mainly because the previous tenants left a number of nails and hooks behind, most of them in convenient places. The walls are plaster and I've been finding it unexpectedly difficult to hammer new nails in so far, so we're gonna see if the handyman can work some magic there.

The boxes question is complicated because there are some things we're just not planning to unpack, like gardening supplies (our current landladies are responsible for yard upkeep) and clothes and toys and things Bébé has grown out of but that we'd like to hold onto in the eventual event of a younger sibling—not necessarily in this house, though. Fortunately, we have a TON of space and had planned on storing such things, so nothing's feeling cluttered.

The kitchen is a good size and our stuff seems to fit! It hasn't been updated/renovated in a good few decades, so while I think the appliances might be newer, there's no island (an old IKEA table is doing that job) and generally it just needs some zhushing. But it's comfortable and serviceable.

That's been the case with the whole house, really—great for the year or two we intended to live here but not something we'd want to own, or deal with renovating in its entirety.

We've met a few neighbors (including the landladies, a married couple who live around the corner), and every single person has been lovely and welcoming! One next-door neighbor also has a very friendly gigantic black lab puppy, and Phoebe has seemed to enjoy racing him with the fence betwixt. (Benedict is big enough that I actually think she's more comfortable that way.)

Perhaps also of note is that there is a positively aces corner café literally three houses down from us on the main drag! We have all but moved in there as well.

[wernerherzogs]

hi kasia! I know you’re very busy with the apartment remodeling (I hope that’s going well!! Or not awful at least) but I was wondering if you had any recommendations for places to visit in Poland? I’m visiting one of my friends in Krakow but I’ll have a few extra days to myself so I wanted to see if you had any recs :) thank you!

hi anon! i hope this isn't too late 🏃🏻‍♂️🙈 i apologise for not having had the time to respond earlier!!! unfortch i AM very busy these days ):

but ANYWAY. if it's just a few days, i'd recommend sticking to Kraków or taking a train ride to either the mountains (Zakopane, for example, which is super touristsy, but probably also the easiest to navigate as a foreigner) or Warsaw. keep in mind though (bc idk when you'll be here) that October 31 and November the 1st and then November the 11th are public holidays in Poland (the first two religious, and the latter is Independence Day, def avoid Warsaw around then) and the trains and roads will be super crowded.

i'm only going to stick to Kraków i apologise but i'm sure your friend is gonna help out a lot with recs as well! and Warsaw most certainly has a great web presence for touristsy spots, but if you need me to at list some bigger museums or etc. at least, let me know. LASTLY, i'm about to copy paste recs i gave to another mutual a few months back, so - Steph, if you're seeing this, i hope you don't mind! 🩷

first things first, jakdojade.pl (either the app version, or just www.jakdojade.pl opened via the browser app) is a super handy website that shows you how to get from point A to point B, which buses/tram lines to take, etc. there are some major road renovations taking place right now around the Most Dębnicki area (near the Wawel castle), so please keep that in mind! not sure about the tram lines around the Main Train Station as well. 🤔 i think there were plans to renovate the Lubicz line, but i don't remember when. :(

Kraków is great for sightseeing, because it's quite densely built, so you can see a lot of landmarks just by walking around on foot in the Old City area! the Old City is situated like 7 mins from the main train station. in the Main Square area, the Mariacki church with an altar of a famous polish artist Wit Stwosz is definitely worth seeing, as well as Sukiennice (the building right in the center of the Square) with its underground museum.

near the Main Square, there's a gallery of modern art called Bunkier Sztuki, address: Rynek Główny (Main Square) 20, 31-008 Kraków. i haven't been there in a few years so i'm actually not sure what the current exhibits in there are and if they're worth seeing, but hopefully they are!

there's Muzeum Książąt Czartoryskich on św. Jana street 19, 31-017 Kraków which used to host Da Vinci's The Lady with an Ermine, but i think it's currently on loan for some museum in Warsaw? it was actually transferred to the National Museum of/in Kraków earlier this year, but google is being confusing, so i'm not sure if it's currently there or in warsaw 🤔 the National Museum is another place you might potentially want to visit: Muzeum Narodowe w Krakowie, al. 3 Maja 1 street.

there's obviously the Wawel Castle, the historic residence of Polish kings, as Kraków used to be Poland's capital before Warsaw. i haven't been inside in years, but it's probably still worth it! and even if you don't wanna/decide to go inside, you might want to just stroll around the castle grounds. Wawel is right in the city centre as well, so it's another one of those Kraków's staples you can go to by foot!

around the Main Square, there are several "famous" streets with quirky cafes and shops you can visit. and even if you don't go inside, you can just stroll down those streets to get a feel of the city. for example the Floriańska street, Grodzka street, saint Jan or saint Tomasz streets, the Bracka street. no matter which one of these you decide to take from the Main Square, you'll be getting that Kraków experience :)

then there's the historic Jewish district of Kraków called Kazimierz. on one hand, packed with difficult history, on the other, it's become the most hip part of the city! again, loads of famous cafes, pubs, and shops are situated there, some festivals take place there, and so on. you can just stroll around the district, and then visit the Mocak gallery of contemporary art, for example! https://en.mocak.pl/ , address 4 Lipowa St 30-702 Kraków.

just like with Bunkier Sztuki, i haven't seen the current exhibits there, so idk if they're any good, but i personally like Mocak, and you might like it as well! it's at the edge of the Kazimierz district, and the Kazimierz district is right next to the Old City district. you can go from Old City to Kazimierz on foot or take a few quick tram stops.

https://duze-podroze.pl/krakow-kazimierz/

this site is in Polish, but you can take a look at the bolded names and pics - it's a handy guide re: what to look for when you're strolling around in Kazimierz. there are jewish cemeteries, synagogues, the Boże Ciało church, the Wolnica square with Muzeum Etnograficzne (etnographic museum) on it... (https://etnomuzeum.eu/ , the site has an english version that i can't link to directly for some reason). loads of places to see even if you want to just look at them from an outside, you know?

some other places potentially worth checking out: Jagiellonian University's botanical gardens, address Mikołaja Kopernika 27, 31-501 Kraków.

then there are three locations of the Museum of photography in Kraków BUT i'm gonna come clean and admit i still haven't visited any ajdjd 🏃🏻‍♂️ so idk if they're any good, and also they don't seem to have english versions of their websites? unless my phone is failing me. but street addresses are: Rakowicka 22A, Józefitów 16, Królowej Jadwigi 220.

tl;dr sticking to Kraków is a great idea for a short stay, because you can concentrate on only two districts (Old City/Main Square + Kazimierz), and there'll be PLENTY to see, and you can reach those places by foot or via short tram rides! if you're thinking about taking some trips in the Małopolskie voivodeship where Kraków is situated, there's the historic Wieliczka saltmine which is pretty famous: https://www.wieliczka-saltmine.com/ but you'd need winter clothes for that underground trip. you can reach Wieliczka by regular city buses, which is great.

then there's obviously Oświęcim known as Auschwitz-Birkenau, but that one would be heavy, and it'd take probably at least a half of your day: https://www.auschwitz.org/en/visiting/ as it's further from Kraków than Wieliczka.

please remember that the opening hours tend to be 9 am - 6 pm in most places, sometimes even shorter one day a week (sunday or monday or tuesday, typically), or some of them might be closed one day a week. so always remember to check them beforehand! it's also always worth checking if any place has any dedicated day where they offer a free pass or a discount too, you should find that info on their websites.

some places to eat in you might want to check out, although again, i'm sure your friend will be helping out with these as well: Zapiekanki in okrąglak (legendary, mandatory spot!), Nolio, Hamsa, Akita Ramen, Boccanera ristorante pizzeria, trattoria la campania, ima sushi, Sushi Royal, Viale Verde, Restaurant Martello, Sushi 77, Restauracja Bianka, Chinkalnia Restauracja Gruzinska, Hospudka u Nas

aaand that's all from me, sorry i didn't have the time for more! 🩷 HOPE U ENJOY YOUR STAY!!!!!!!!

[hauntingblue]

Maybe this is my privileged self having mostly only lived on owned apartments but people actually renovating and doing construction in rented stuff is so weird to me?? You're spending money on a house that is not yours?? And I get that it's your house temporarily at least but???? Renovating bathrooms and making lofts into actual bedrooms sounds insane

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[lendmoremortgage]

Home equity loans in Ontario, Canada, offer accessible financing options leveraging property assets. With competitive rates and convenient terms, these loans enable homeowners to access funds for various purposes, including debt consolidation, investments, or major expenses, providing a valuable financial resource for achieving personal and financial goals.

[reitmonero]

Home Equity Loans: Are They a Good Idea for Home Improvement?

Home equity loans can be an attractive option for financing home improvements, but whether they’re a good idea depends on your financial situation and the specifics of your project. Here’s a detailed look at what you need to consider:

What is a Home Equity Loan?

A home equity loan allows you to borrow money using your home as collateral. Essentially, you’re taking out a loan based on the equity you’ve built in your home, which is the difference between your home’s market value and the remaining balance on your mortgage.

How Does It Work?

Determine Your Equity: To find out how much you can borrow, subtract your remaining mortgage balance from your home’s current market value.

Loan Amount: Lenders typically allow you to borrow up to 80% or 85% of your home’s equity.

Fixed Interest Rate: Home equity loans usually come with a fixed interest rate, meaning your monthly payments stay the same throughout the life of the loan.

Benefits of Home Equity Loans for Home Improvement

Lower Interest Rates: Compared to credit cards or personal loans, home equity loans often have lower interest rates because they’re secured by your home.

Predictable Payments: With a fixed interest rate, you’ll have consistent monthly payments, making it easier to budget.

Large Loan Amounts: If you’re planning a significant renovation or addition, a home equity loan can provide the funds you need.

Risks and Considerations

Risk of Foreclosure: Since your home is the collateral, failing to repay the loan could result in foreclosure.

Closing Costs and Fees: Home equity loans may come with closing costs, appraisal fees, and other expenses.

Impact on Equity: Borrowing against your home’s equity means you’re reducing the amount of equity you have, which could affect your financial stability in the future.

Is It Right for Your Home Improvement Project?

Evaluate the Project’s Value: Consider whether the improvements will significantly increase your home’s value. For major renovations that boost property value, a home equity loan can be a wise investment.

Budget for Repayment: Ensure you can comfortably manage the monthly payments along with your existing mortgage and other expenses.

Compare Alternatives: Look into other financing options like personal loans, credit cards, or home equity lines of credit (HELOCs) to find the best fit for your needs.

In summary, a home equity loan can be a solid choice for financing home improvements, especially if you’re looking for a large sum with manageable payments. However, it’s essential to weigh the benefits against the risks and ensure it aligns with your financial goals and capabilities.

[sabreezzhomeinspection]

The Ultimate Guide to HUD 203k Renovation Mortgages: Consultant and Inspector Roles Explained

When it comes to buying a home that needs some TLC, the HUD 203k renovation mortgage is a fantastic option. This mortgage not only provides the funds to purchase a property but also includes additional financing to cover the cost of necessary repairs and renovations. Understanding the roles of the 203k consultant and inspector is crucial to successfully navigating this type of mortgage. In this guide, we'll break down the HUD 203k renovation mortgage, outline the key responsibilities of the 203k consultant and inspector, and provide tips for homeowners looking to make the most of this unique financing opportunity.

Understanding the HUD 203k Renovation Mortgage

The HUD 203k renovation mortgage is a loan offered by the Federal Housing Administration (FHA) designed to help homebuyers finance both the purchase and the renovation of a property. There are two types of 203k loans: the Standard 203k and the Limited 203k. The Standard 203k is for more extensive repairs, while the Limited 203k, also known as the Streamline 203k, is for smaller projects with a maximum repair limit of $35,000.

This type of mortgage is particularly beneficial for those looking to purchase foreclosed properties, older homes, or fixer-uppers. By combining the cost of the home and the renovation into a single loan, buyers can save on closing costs and interest rates compared to taking out separate loans.

The Role of the 203k Consultant

A 203k consultant plays a critical role in the Standard 203k renovation mortgage process. They are typically required for Standard 203k loans but not for Limited 203k loans. Here’s what you need to know about the 203k consultant:

Initial Property Inspection

The 203k consultant conducts an initial inspection of the property to determine the scope of work needed. This involves identifying necessary repairs to meet FHA standards and any additional renovations the buyer wants to undertake. The consultant will provide a detailed report outlining these required and desired repairs.

Work Write-Up and Cost Estimate

Based on the initial inspection, the 203k consultant creates a work write-up, which is a detailed plan of the renovation project. This includes a cost estimate for the repairs and improvements. The work write-up serves as a guide for contractors to bid on the project and ensures that the renovations meet FHA guidelines.

Overseeing the Renovation Process

Throughout the renovation process, the 203k consultant acts as an intermediary between the homeowner, contractor, and lender. They conduct regular inspections to ensure the work is progressing according to plan and within budget. The consultant also handles the necessary paperwork and ensures that all parties are meeting FHA requirements.

The Role of the 203k Inspector

While the 203k consultant oversees the entire renovation process, the 203k inspector focuses specifically on the quality and completion of the work. Here’s a closer look at the responsibilities of the 203k inspector:

Initial and Follow-Up Inspections

The 203k inspector conducts initial inspections to assess the condition of the property and identify any required repairs. Follow-up inspections are carried out during the renovation process to verify that the work is being completed according to the agreed-upon plan and FHA standards.

Ensuring Compliance with FHA Guidelines

The inspector ensures that all renovations comply with FHA guidelines and local building codes. This is crucial for the homeowner to secure final approval from the lender and to ensure the property is safe and habitable.

Final Inspection and Sign-Off

Upon completion of the renovation, the 203k inspector conducts a final inspection to confirm that all work has been completed satisfactorily. They provide a final report to the lender, which is necessary for the release of the final loan disbursement.

Tips for Homeowners Using a HUD 203k Renovation Mortgage

Navigating the HUD 203k renovation mortgage process can be complex, but with the right approach, it can be a rewarding experience. Here are some tips for homeowners considering a 203k loan:

Choose a Qualified 203k Consultant and Inspector

Selecting experienced and reputable professionals is crucial. Look for 203k consultants and inspectors who are familiar with the FHA requirements and have a track record of successfully managing renovation projects.

Plan Your Renovations Carefully

Work closely with your 203k consultant to create a realistic and comprehensive renovation plan. This will help avoid unexpected costs and delays during the renovation process.

Communicate Clearly with Your Contractor

Establish clear lines of communication with your contractor and ensure they understand the requirements and deadlines. Regular updates and open communication can prevent misunderstandings and keep the project on track.

Be Prepared for the Unexpected

Renovation projects often come with surprises. Set aside a contingency budget to cover unexpected expenses that may arise during the renovation.

Stay Involved Throughout the Process

While the 203k consultant and inspector will oversee the renovation, it’s important for homeowners to stay involved. Regularly check in on the progress and address any concerns promptly.

Conclusion

The HUD 203k renovation mortgage is a powerful tool for homebuyers looking to purchase and renovate a property. By understanding the roles of the 203k consultant and inspector, homeowners can ensure a smoother and more successful renovation process. With careful planning, clear communication, and the right team of professionals, the dream of transforming a fixer-upper into a dream home can become a reality.

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[hatchfinancialservices]

5 Reasons to Choose a Local Mortgage Broker Over Big Banks

Discover the top 5 advantages of choosing local mortgage brokers over big banks. A local mortgage broker offers a personalized service tailored to your local needs, and provides expert guidance throughout the home loan process. Unlike large impersonal banks, local mortgage brokers ensure you have a seamless experience with in-depth knowledge of local real estate trends and your own perspective Take you trust local mortgage brokers with your financial goals for your unmatched expertise and commitment to the community.

[skfinanceblog]

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[wnderhfl]

Wonder Home Finance is a leading housing finance company and accredited by NHB. The company offers multiple products such as Home Purchase Loan, Home Construction Loan, Home Extension Loan, Home Renovation Loan, Plot Purchase & Construction Loan, Mortgage Loan and Balance Transfer. Contact us to avail quick and flexible loan options at attractive interest rates with a simplified documentation process.

[stephanvincent]

Get Instant Renovation Funds: Use Home Renovation Loan Calculator!

Are you facing a low credit score? Discover your grant eligibility and locate credit-friendly private lenders with our guide. Consider a co-signer or explore family or credit union loans for your home renovation projects. Access 4 hacks to secure instant renovation funds now! Use our home renovation loan calculator to plan your expenses wisely and unlock the financing you need. Start renovating your dream home today!

[lendmoremortgage]

Home renovation loans in Ontario offer tailored financing solutions for property upgrades and remodeling projects. With streamlined application processes and favorable terms, these loans empower homeowners to transform their living spaces, increase property value, and create personalized environments that reflect their style and preferences.