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Retirement Living in Omaha: City or Suburbs?

by Nancy Heim-berg

The Omaha metro area offers unique retirement living options that blend urban amenities with Midwestern charm. Let's explore how our distinct neighborhoods can match your retirement dreams.

Urban Omaha Living: The Downtown Renaissance Downtown Omaha and the Old Market continue their exciting transformation. New luxury condos and renovated historic buildings offer maintenance-free living within walking distance of:

  • The Durham Museum and Joslyn Art Museum
  • Holland Performing Arts Center
  • TD Ameritrade Park
  • Award-winning farm-to-table restaurants
  • The vibrant Blackstone District

Healthcare accessibility shines with world-class facilities like Nebraska Medicine and Methodist Hospital nearby.

Suburban Gems Omaha's suburbs present compelling alternatives:

  • Papillion: Named one of America's best places to retire, featuring Shadow Lake and extensive walking trails
  • Elkhorn: Growing community with championship golf courses and active 55+ neighborhoods
  • La Vista: Modern developments with emphasis on community gathering spaces
  • Bennington: Rural charm meets modern amenities

The West Omaha Advantage West Omaha uniquely bridges urban and suburban living:

  • Village Pointe offers upscale shopping and dining
  • CHI Health and Methodist Women's Hospital provide excellent medical care
  • Extensive trail systems connect neighborhoods
  • Regular community events at Zorinsky Lake

Transportation Considerations- While Omaha's public transit is evolving, most retirees find having a car convenient. However, neighborhoods like Dundee and Benson offer walkable alternatives with local shops, restaurants, and services.

Cost Considerations for 2025

  • Urban condos: Generally $200,000-$500,000
  • Suburban single-family homes: Often provide more space for similar investment
  • Property taxes vary significantly by area
  • HOA fees in urban buildings vs. suburban maintenance costs

Ready to explore your perfect retirement location in Omaha? Contact The Heim-Berg Team at 402-677-9024 or visit www.OmahaAreaLiving.com. We'll help you find the ideal balance of amenities, lifestyle, and value for your retirement journey, while assisting you in securing top dollar for your beloved family home.

Tips for Selliing Your Omaha Home in the Winter!

by Nancy Heim-berg

Let's be honest—when most people think about selling their home, they don't picture Nebraska's famous winter weather. But here's a little secret: selling your Omaha home during winter can work in your favor. As an experienced professional, I've seen lots of homes sold in Omaha winters. Today, I'll share tips on how you can turn Omaha's chilly challenges into cozy opportunities.
 
Why Winter Can Be Your Secret Weapon
Think about it – while fair-weather sellers are waiting for spring, you're dealing with seriously motivated buyers. These house hunters are bundled up and braving the cold for a reason! You need to realize that your home may stand out since fewer homes get listed on the market.
Also, all the twinkling holiday lights in Aksarben Village and the festive atmosphere throughout the city create a magical backdrop for showing your home.
 
Making Winter Work for You: The Omaha Edition
First, let's talk about how to handle those classic Nebraska winter challenges. We all know about our famous snowstorms and bone-chilling temperatures, but with some preparation, you can keep your home showing-ready even when the weather isn't cooperating.
 
Keeping It Safe and Accessible
Your first priority is ensuring potential buyers can reach your front door without an impromptu ice-skating session. Keep your walkways, driveways, and steps clear of snow and ice. Consider it your winter welcome mat! Stock up on ice melt (but keep it pet-friendly—lots of Omaha house hunters bring their four-legged family members along), and maybe invest in some heavy-duty indoor mats to protect your floors.
 
Creating a Cozy Winter Welcome
Now, let's talk about making your home feel like a warm hug on a cold day. When buyers step in from a Nebraska winter day, you want them to feel instantly at home. Set your thermostat to a comfortable temperature (around 70 degrees is perfect), and if you have a fireplace, make sure it's clean and ready to highlight during showings.
 
Smart Seasonal Staging
Here's where we can have some fun! Winter Staging your home in Omaha's Winter requires a perfect balance of cozy and clean.
 
Living Spaces
Think of warm, inviting textures without going overboard. Add some plush throw blankets in neutral colors, perhaps a few velvet pillows, and consider setting up a reading nook by a window where buyers can imagine themselves watching the snowfall.
 
Kitchen
The heart of any Midwest home deserves special attention. Clear counters make a space look larger but consider leaving out a pretty tea kettle or a sophisticated coffee station. Nothing says "welcome home" like the thought of warming up with a hot drink.
 
Lighting Matters
Our winter days can be gray, so lighting is crucial. Clean those windows (even in winter), open all blinds during showings, and add extra lamps to dark corners. Consider using warm-white LED bulbs to create an inviting glow without running up your OPPD bill.
 
Holiday Decor: The Art of 'Just Enough'
Now, about those holiday decorations. The key here is "festive but flexible." You want to create warmth without overwhelming the space or making buyers feel like they're touring a seasonal display. Here's how to strike that perfect balance:
Choose neutral holiday decorations that complement your home's regular decor. Think silver and gold rather than red and green. A tasteful wreath on the door, subtle twinkle lights outside, and elegant decorations inside can add to your home's appeal without overwhelming it.
Avoid religious-specific decorations during showings – remember, you want every buyer to be able to envision themselves in the space. And please, resist the urge to showcase your entire North Pole village collection!
 
Highlighting Winter-Ready Features
Make sure to draw attention to features that shine during Omaha winters:
That attached garage. It's not just parking – it's a winter sanctuary
Your mudroom becomes a major selling point for managing snow boots and winter gear
Updated windows and insulation? It is worth mentioning when discussing utility bills
Could snow removal equipment be included in the sale? That's a welcome bonus for many buyers
 
The Photo Factor
Winter listings need excellent photos, and timing is everything. Try to get professional photos taken on a bright day right after fresh snow – there's nothing quite like that pristine winter wonderland look. Ensure your photographer captures snowy exterior shots and warm, inviting interior images.
 
Final Tips for Winter Success
Remember to have your home ready for last-minute showings:
Store winter gear neatly away between showings
Keep spare mats and towels handy for wet boots and shoes
Set up a programmable thermostat to ensure the house is always warm for showings
Consider having some battery-operated candles for ambiance during gray days
Keep your walkways clear even when there's no showing scheduled (you never know!)
 
Embrace the Season
Selling in winter might mean a little extra effort, but it also means serious buyers and less competition. Your home can be that warm, welcoming haven that makes someone want to escape the cold and stay awhile – long enough to make an offer!
 
Remember, Omaha buyers know our winters and appreciate seeing how a home handles the season. So, embrace it! Show them how your home can be their perfect winter retreat, and you might find that the "off-season" becomes your perfect selling season.
Stay warm out there, Omaha home sellers – you've got this! ❄️🏡
 
P.S. If you really want to make a good impression, having some hot coffee or cocoa available for showings never hurts anyone's chances. It's the Midwest way, after all!
 
If you'd like to learn more about selling your home during Omaha’s winter season, we would be pleased to discuss your goals and help you sell your home for more money this winter. For more information or to chat about finding your dream home in Omaha, visit www.OmahaAreaLiving.Com
 
📞 Let's connect! Call us at 402-677-9024, and let's explore all the fun and adventure in Omaha!
 

Harnessing Circadian Rhythm Lighting in Your Omaha Home!

by Nancy Heim-berg

In the heart of the Midwest, Omaha residents are always looking for innovative ways to enhance their living spaces. As we spend more time indoors, the impact of our home environment on our well-being has never been more crucial. Enter the world of Circadian Rhythm Lighting – a revolutionary approach to interior design that's brightening homes and lives across the Cornhusker State.

 

Understanding Your Inner Clock

Before we discuss home lighting in detail, let's clarify what circadian rhythm actually means. Circadian rhythm is your body's internal clock, regulating sleep-wake cycles, hormone release, eating habits, and other bodily functions. It is intrinsically linked to the natural light-dark cycle of your environment.

Our circadian rhythms can easily become thrown off balance in our modern world of artificial lighting and screen time. Intentional lighting design offers a way to realign our internal clocks with the natural world.

 

The Bright Side of Circadian Lighting

Implementing circadian lighting in your Omaha home isn't just about following a trend but investing in your health and well-being. Here are some illuminating benefits:

  1. Sweet Dreams Are Made of This: Proper lighting routines can help you fall asleep faster and wake up more easily, improving overall sleep quality.
  2. Morning Glory: Exposure to bright light in the morning can boost your mood and energy levels, helping you tackle those busy Omaha days with gusto.
  3. Spotlight on Productivity: Whether you're working from home or helping kids with homework, circadian lighting can enhance focus, concentration, and overall productivity.
  4. A Brighter Outlook: Supporting a healthy immune system and potentially reducing symptoms of depression, circadian lighting contributes to a sunnier disposition all year round.

Bringing Circadian Lighting Home to Omaha

Ready to light up your life? Here's how you can implement circadian lighting in your Omaha home:

  1. Let the Sunshine In: Maximize natural light by incorporating large windows or skylights. This is especially crucial for taking advantage of Omaha's sunny days, even during our chilly winters.
  2. Dim and Dimmer: Install dimmable lights to adjust intensity throughout the day. Mimic the natural light cycle by brightening in the morning and softening in the evening.
  3. Warm Up, Cool Down: Choose warm-toned lights for living areas and bedrooms, creating a cozy atmosphere perfect for Nebraska nights. Save cool-toned lights for home offices or study areas where alertness is key.
  4. Get Smart: Invest in smart lighting systems that adjust light levels and color temperatures automatically. Imagine your home gradually waking up with you on those early Omaha mornings!
  5. Seasonal Adjustments: Given Omaha's distinct seasons, consider adjusting your lighting routines. Brighter lights are needed during our shorter winter days, while softer lighting complements long summer evenings.

A Brighter Future for Omaha Homes

As we continue to understand the impact of the environment on our health, circadian lighting offers a powerful tool for improving quality of life. Whether renovating an old Dundee charmer or building a new home in West Omaha, integrating circadian lighting principles can create a more comfortable, health-promoting environment.

Imagine waking up naturally, feeling refreshed as your bedroom slowly brightens, mimicking an Omaha sunrise. Picture yourself winding down in the evening, as your living room lights gradually shift to warmer tones, preparing your body for restful sleep. This is the promise of circadian lighting – not just illumination, but a pathway to better living.

 

As Omaha continues to grow and evolve, so will our home design approach. By embracing circadian lighting, we're not just changing bulbs – we're transforming our relationship with our homes and our health.

 

Ready to shed new light on your Omaha home? The Heim-Berg Team is here to illuminate your real estate journey. Whether looking for a home with great natural light or seeking advice on brightening your current space, we're here to help.

 

Contact the Heim-Berg Team, Omaha's Real Estate Experts, at 402-677-9024 or visit www.OmahaAreaLiving.com

September Home Maintenance Tips for Omaha Homeowners

by Nancy Heim-berg

As summer begins to fade and the first hints of fall color the trees, September is the perfect time for Omaha homeowners to prepare their properties for the cooler months ahead. With Nebraska's diverse climate, taking proactive steps now can save you time, money, and headaches down the road. Let's dive into some essential home maintenance tasks for September.

 

HVAC System Check-up

With cooler temperatures on the horizon, now's the time to ensure your heating system is ready to keep you warm.

  • Schedule a professional HVAC inspection
  • Replace air filters
  • Test your thermostat for accuracy
  • Contemplate energy savings by upgrading to a smart thermostat.

Seal the Envelope

Keep drafts at bay and your energy bills in check by sealing your home's envelope.

  • Check weatherstripping around doors and windows
  • Caulk any gaps or cracks in exterior walls
  • Inspect and repair any damaged siding
  • Add insulation to your attic if needed

Gutter Maintenance

Omaha's fall foliage is beautiful but can wreak havoc on your homes' gutter systems.

  • Clean leaves and debris from gutters and downspouts
  • Check for proper drainage and repair any leaks
  • Reduce future maintenance by installing gutter guards.

Roof Inspection

Before winter storms hit, make sure your roof is in top shape.

  • Look for damaged, loose, or missing shingles
  • Check flashing around chimneys and vents
  • Trim any overhanging tree branches

Lawn and Garden Care

Prepare your home's outdoor spaces for the changing seasons.

  • Aerate and fertilize your lawn for solid spring growth
  • Plant spring-blooming bulbs
  • Trim perennials and remove annuals
  • Clean and store garden tools and outdoor furniture

Windows and Doors

Ensure your windows and doors are ready to keep the cold out.

  • Clean window tracks and lubricate as needed
  • Check for drafts and add weatherstripping if necessary
  • Consider installing storm doors for added insulation

Fireplace and Chimney Maintenance

If you have a fireplace, now's the time to get it ready for cozy evenings.

  • Schedule a professional chimney cleaning and inspection
  • Check the damper for proper operation
  • Stock up on firewood, storing it in a dry place

Outdoor Plumbing

Prevent frozen pipes and water damage by winterizing your outdoor plumbing.

  • Drain and cover outdoor faucets
  • Blow-out sprinkler systems
  • Store hoses in a dry place

Safety Check

Ensure your home is safe and secure for the months ahead.

  • Test smoke detectors and carbon monoxide alarms
  • Replace batteries if needed
  • Review and update your family's emergency plan
  • Check fire extinguishers
  1. Pest Prevention

As temperatures drop, pests may seek shelter in your warm home.

  • Make sure to seal cracks or holes in the foundation or exterior walls
  • Ensure the attic & basement are free of pests.
  • Store firewood at least 20 feet from the house
  •  

By tackling these September home maintenance tasks, you'll ensure your Omaha home is well-prepared for the fall and winter seasons. These steps will protect your investment and make your home more comfortable and energy-efficient in the coming months.

 

Remember, while many of these tasks can be DIY projects, don't hesitate to call in professionals for more complex or dangerous jobs. It's always better to be safe and do the job correctly.

 

If you're considering buying or selling a home in Omaha this fall, or if you have any questions about maintaining your property, don't hesitate to reach out. Your home is one of your most significant investments, and we're here to help you protect and maximize its value.

For all your Omaha real estate needs, contact The Heim-Berg Team:

Stay proactive, stay comfortable, and enjoy the beautiful fall season in Omaha!

Keep Your Omaha Home Mouse-Free

by Nancy Heim-berg

Mice are more than just a nuisance; they can be a serious threat to your health and property. These tiny rodents are known for their ability to chew through almost anything, potentially causing fire hazards by gnawing on electrical wiring and spreading diseases such as Hantavirus and Salmonella. Therefore, keeping your Omaha home mouse-free is not just a matter of comfort, but of safety and health as well. Here are some tips to help you ensure that mice don’t make your house their home.

Understanding Mouse Behavior

To effectively keep mice away, it's crucial to understand their behavior. Mice are opportunistic feeders and excellent climbers who can jump up to a foot high. They are primarily nocturnal and can squeeze through openings as small as a dime. Knowing this, you can be more strategic in your prevention methods.

Comprehensive Home Inspection

Start with a thorough inspection of your home. Check for any openings where mice could enter. Common entry points include gaps around doors and windows, holes where utilities enter the home, and cracks in the foundation or exterior walls. Remember, if a pencil can slide into a crack or hole, a mouse can get through it too.

Seal Entry Points

Once you've identified potential entry points, it's time to seal them. Use materials that mice can't easily chew through, such as steel wool, metal sheeting, or hardware cloth. For larger gaps, consider using cement, plaster, or a sturdy sealant. Pay special attention to areas where utilities enter the home, as these can be highways for mice.

Tidy Up the Yard

Your yard can be a haven for mice, providing them with shelter and food. Keep your grass cut short and remove any debris where mice could hide. Store firewood at least 18 inches off the ground and away from your home. Trim tree branches that are close to the house, as mice can use these to get onto your roof and find a way inside.

Proper Food Storage and Waste Management

Mice have a keen sense of smell and will be attracted to food scraps and garbage. Ensure that all food is stored in airtight containers made of glass, metal, or heavy-duty plastic. Regularly clean under stoves, refrigerators, and cupboards where crumbs can accumulate. Use garbage cans with tight-fitting lids, and dispose of waste regularly.

Regular Cleaning Routine

A clean home is less attractive to mice. Regular vacuuming and dusting can remove potential nesting materials. Keep clutter to a minimum, especially in storage areas like basements and attics, where mice can nest undisturbed.

Natural Deterrents

Some natural substances can deter mice. Peppermint oil, for instance, is said to repel mice with its strong scent. Soak cotton balls in peppermint oil and place them in areas where mice are likely to enter. Other natural deterrents include clove oil and cayenne pepper.

Traps and Baits

If mice have already entered your home, traps and baits can be an effective way to remove them. There are various types of traps available, from traditional snap traps to humane live-catch traps. Bait the traps with peanut butter, chocolate, or oatmeal, which are more attractive to mice than cheese. Check the traps regularly, and wear gloves when handling them to prevent the spread of disease.

Professional Pest Control

Sometimes, despite your best efforts, you may need professional help. Pest control professionals can provide a comprehensive assessment of your mouse problem and develop a tailored plan to get rid of the mice and prevent their return. They can also offer advice on structural modifications that can make your home less mouse-friendly.

Ongoing Vigilance

Keeping your home mouse-free is an ongoing effort. Regularly inspect your home for signs of mice, maintain cleanliness, and promptly address any new entry points. By staying vigilant, you can protect your Omaha home from the dangers and nuisances of a mouse infestation.

Remember, the key to a mouse-free home is prevention. By taking proactive steps and maintaining good practices, you can create an environment that's inhospitable to mice and safe for you and your family. Stay informed, stay prepared, and enjoy the peace of mind that comes with a mouse-free home.

Ready for more homeowner tips? Remember to follow us on our Facebook page!

If you've decided to sell or buy this year...congratulations!  What an exciting time for you. We're here to assist you every step of the way. Call our family team of experts today and we'll get down to business crafting your plan for real estate buying and selling success! 

How Can House Plants Benefit Your Omaha Home?

by Nancy Heim-berg

Beyond simply brightening your Omaha home's appearance, surrounding yourself with houseplants provides numerous health benefits. Even for those without an innate gardening talent, a plant or two can offer advantages such as improved air quality, reduced stress, and increased creativity.

Reduce Stress

With the lingering stress of the pandemic and remote work, we could all use a little less anxiety in our lives these days.

According to a study in the Journal of Physiological Anthropology, having plants in your home or office can help you feel calmer and more comfortable.

Indoor gardening can lower blood pressure and heart rate, as well as reduce psychological and physiological stress levels, due to the calming presence of plants.

Researchers have proposed several theories to explain how plants can reduce stress. For instance, the sight of plants may evoke thoughts of being outdoors, fostering patience. Admiring your plants can also cultivate mindfulness.

Immune System Boosters

Plants can strengthen your immune system in several ways. Firstly, if plants help you feel more relaxed, you are more likely to get high-quality sleep, which boosts immunity.

Plants release airborne chemicals and phytoncides into the air that can boost your immune system. A 2002 research review discovered that patients recovering from surgery needed less pain medication and had shorter hospital stays when surrounded by plants during their recovery.

Better Productivity

When you surround yourself with plants at home and at work, you may find increased productivity and creativity. The presence of living greenery can provide a pleasing focal point, uplifting your mood and ability to concentrate.

In 2004, researchers conducted a study in which participants were asked to make creative word associations. The researchers found that participants who had plants in the room with them performed better on this task. A follow-up study in 2007 similarly showed that people with plants in their workspaces were more productive and took fewer sick days.

Air Quality Improvements

Houseplants can absorb toxic substances like formaldehyde and benzene that pollute indoor air. These pollutants are artificial materials that release harmful gases. Studies show houseplants also reduce dust by up to 20%. NASA recommends 15 to 18 plants for a 1,800 square foot home to maximize air-purifying benefits. Even just one or two plants can improve indoor air quality.

Plants release water vapor through transpiration, which increases humidity levels. This added moisture in the air can improve skin hydration and respiratory health. For those who suffer from headaches, respiratory problems or allergies, surrounding yourself with plants may provide relief.

To maximize the air-purifying benefits, place plants within six to eight feet of where you commonly sit or sleep. Doing so allows you to fully gain from their oxygen production during photosynthesis and carbon dioxide absorption.

When the body has more oxygen, energy levels, concentration, and mood are all likely to improve.

As humans, we have a deep connection to nature. Surrounding yourself with plants indoors in your daily life can help you reconnect with this bond, providing both physical and psychological benefits that are worth exploring.

Ready for more homeowner tips? Remember to follow us on our Facebook page!

If you've decided to sell or buy this year...congratulations!  What an exciting time for you. We're here to assist you every step of the way. Call our family team of experts today and we'll get down to business crafting your plan for real estate buying and selling success! 

What Can You Do About Hidden Mold in Your Omaha Home?

by Nancy Heim-berg

Approximately 70% of houses nationwide are affected by mold, indicating that this issue is widespread and not to be underestimated. It is important to acknowledge that even if you believe your Omaha home is safe, the reality is that mold can easily be introduced and thrive under suitable conditions.

Hidden mold in the house can be a challenging problem to address, particularly when you can detect its presence through its distinct odor but cannot visually locate it. In such cases, it is important to take immediate action to prevent further mold growth and potential health risks. Here are some steps you can take to deal with hidden mold:

Identify the Source of Mold

While you can't see the mold, you can certainly identify what's causing it.

To identify the cause of mold in your house, conduct a thorough inspection for signs of water damage. Look for leaks, water stains on walls, ceilings, or floors. Don't forget to check poorly ventilated areas like basements, attics, and crawl spaces.

Address Water Issues

If you notice any water leaks, it is important to address them promptly. This may require fixing roofs, pipes, or windows. To prevent the growth of mold, make sure there is adequate ventilation in areas that are prone to moisture, such as bathrooms, kitchens, and basements.

Isolate Affected Areas and Clean

To prevent the spread of spores, it is important to isolate the affected areas where mold is found. However, it is crucial to note that there are likely many hidden spores throughout the entire house, contributing to the mold problem.

To protect yourself and prevent spreading mold spores, put on personal protective equipment (PPE) including gloves, goggles, and a mask. Use mold-killing solutions like hydrogen peroxide, vinegar, or commercial mold cleaners to clean your home. Scrub with a stiff brush.

Remove Mold-Infested Materials

When encountering heavily contaminated drywall or insulation, it is important to note that these materials cannot be effectively cleaned. In such cases, proper disposal is necessary.

Make sure to dispose of these items properly by securely bagging them in a thick trash bag. It's a good idea to double-bag for added protection. Once bagged, wrap and tape the opening to ensure it stays closed.

Consider Professional Remediation

If visible mold cannot be found or if there is a severe infestation, it may be necessary to seek professional help. A mold remediation company can locate and remove the sources of mold, ensuring that your home is safe to live in. It is important to note that not everyone is physically capable of cleaning mold due to health reasons.

Sell Your House

Selling your house can be a wise choice in certain situations. If your property is plagued by severe mold and other significant problems, it may be best to sell it and move on. Fortunately, there are buyers who will purchase your house in its current condition, providing you with a quick source of cash. This can be an excellent opportunity to make money swiftly. Of course, you can count on The Heim-Berg Team to help you if you decide to go that route.

Take Care of Hidden Mold in the House

Hidden mold in your Omaha home can have serious health implications, making it crucial to address any suspicions of infestation. Although there are DIY methods to combat mold, opting for professional mold remediation services is often the best choice. In severe cases, selling your home may be worth considering. For additional tips on maintaining a safe and comfortable home, explore our many blog articles on this site.

Have your home needs changed in the past year? Perhaps you’ve outgrown your present home, or need to downsize to a more suitable home. If you’re ready to make a move, let’s connect and talk about all the amazing opportunities that are available to you!

Spice Up Your Omaha Kitchen with a Backsplash

by Nancy Heim-berg

Are you looking for an inexpensive way to add some spice to your kitchen? Adding a backsplash is a practical way to add aesthetic value to your kitchen. And if you plan to sell your home in Omaha, a good looking backsplash will be one more thing about your kitchen to attract home buyers.

Usually, most people use porcelain or ceramic as materials for backsplashes. Those are durable and beautiful materials, but they aren't the only ones you can use. If you want to give your kitchen a new look, consider these options.

Tiles

Tiles can be made of ceramic, glass, or natural stone. Tile is popular because it's tough and does a great job of protecting the wall. It's also easy to keep clean.

You should consider the style of your kitchen when selecting tile. White ceramic tile can look great in both modern and retro-inspired kitchens. Natural stone in marble can give your kitchen a luxurious feel. Glass can add a bright and funky feel.

Glass

Speaking of glass, you could use a large sheet of tempered glass, instead of using glass tile. This works great for adding protected lighting above your stove. It also allows you to use any wallpaper or paint you want behind the glass. Using a sheet of glass can add modern flare to any kitchen.

Chalkboard Paint

Painting your backsplash with chalkboard paint is an easy and affordable DIY project. It can also be quite handy, as you can write messages, menu ideas, or anything helpful in the kitchen.

When you're ready for a clean slate, all you have to do is wipe it clean. The only down side is that the black paint may close your kitchen in and make it feel smaller.

Mirror

For smaller kitchen, a mirror as a backsplash can give the illusion of more open space. It will also bounce more light around your kitchen. The more light, the more inviting the space.

The surface of the mirror will be easy to clean, though it will end up taking more effort to keep clean as any little bit of grease or dirt will show.

Wallpaper

We only mention wallpaper because it may not be the best idea for a backsplash. It may be a fast and easy option, but it won't offer much protection and can peel from the moisture.

Stainless Steel

Lining your backsplash with stainless steel will give it a modern feel and tie all of your stainless steel appliances together. It's ideal because it's durable, easy to clean, and resistant to high temperatures.

Just be careful with acidic foods. The acid will ruin the finish if not immediately cleaned.

Consider one of these backsplash materials for your kitchen. Think about the amount of cooking you do and the level of durability and protection you need. Some materials such as chalkboard paint or wallpaper you can apply yourself. Others, such as tile, marble, and stainless steel are best left to the professionals.

Have your home needs changed in the past year? Perhaps you’ve outgrown your present home, or need to downsize to a more suitable home. If you’re ready to make a move, let’s connect and talk about all the amazing opportunities that are available to you!

The Hidden Costs of Refinancing Your Omaha Home

by Nancy Heim-berg

Refinancing your Omaha home loan can seem like a great idea, with the promise of lower interest rates and reduced monthly payments. However, it's important to be aware of the hidden costs that can come with refinancing. 

By being aware of these potential costs and doing your research, you can make an informed decision about whether refinancing is the right choice for you.

Loan Application and Establishment Fees

When refinancing a home loan, lenders typically charge application and establishment fees. These fees can cover various expenses such as loan processing, property valuation, legal documentation, and loan setup. 

While some lenders may offer fee waivers or discounts, it's important to consider the loan terms and repayment structure to determine if the benefits outweigh the upfront costs.

Exit Fees and Break Costs

When refinancing your home loan before the end of the fixed-rate period or during a specific period stated in your original loan agreement, you may have to pay exit fees or break costs. These fees are meant to compensate the lender for the loss of interest income due to early repayment or refinancing.

To avoid any surprises, it's important to carefully examine your existing loan terms and consult with your current lender to understand any potential exit fees or break costs associated with refinancing. Even though refinancing may still be financially beneficial despite these costs, it's crucial to factor them into your decision-making process.

Lender's Mortgage Insurance 

Lender's Mortgage Insurance (LMI) is a form of insurance that lenders may require when the loan-to-value ratio (LVR) exceeds a certain threshold, typically 80%. LMI protects the lender in the event of default by the borrower.

When refinancing, if the new loan results in a higher LVR than your current loan, you may be required to pay LMI. It's important to consider this additional cost and factor it into your refinancing calculations. However, it's worth noting that LMI is a one-time payment and may still be financially viable depending on the overall cost savings achieved through refinancing.

Loan Term and Repayment Structure

Refinancing your home loan can be a good way to evaluate your loan term and repayment structure. It can help reduce monthly payments, but it's crucial to consider the long-term impact. Extending the loan term can lead to paying more interest over the life of the loan, despite having a lower interest rate.

Evaluate the trade-off between immediate cost savings and the potential increase in overall interest paid. If your primary goal is to pay off your mortgage sooner, refinancing to a shorter loan term may be more beneficial despite potentially higher monthly payments.

Property Valuation and Legal Fees

Refinancing often requires a property valuation to determine the current market value of your home. This is done by a professional valuer and comes with costs. Legal fees, including conveyancing and mortgage registration fees, may also be involved in the refinancing process.

It's important to factor in these costs when evaluating the financial feasibility of refinancing. While they may not be substantial compared to other expenses, they contribute to the overall cost of refinancing and should be considered as part of the decision-making process.

Ongoing Fees and Charges

When taking out a new loan, it's important to not only consider the upfront fees but also the ongoing fees and charges. These may include monthly account keeping fees, annual service fees, and redraw fees, among others. It's crucial to understand the full scope of the fees and charges associated with the loan to make an informed decision.

While these fees may seem relatively small individually, they can add up over the life of the loan. Carefully review the fee structure of potential lenders and compare them against your current loan to ensure that the overall cost of the new loan aligns with your financial goals and expectations.

Interest Rate Changes and Timing

When contemplating refinancing, it's crucial to assess the timing and potential fluctuations in interest rates. While opting for a lower interest rate could lead to savings, it's necessary to take into account the likelihood of interest rates increasing in the future.

To make an informed decision about the best time to refinance, it's advisable to research the market and seek guidance from financial experts on interest rate trends and forecasts.

Make the Right Refinancing Decisions 

Refinancing one's home loan can provide financial advantages, but it's important to take into account the potential hidden costs that may affect the decision-making process. These costs include application and establishment fees, exit fees and break costs, LMI, ongoing fees, and potential interest rate changes. By considering these factors, one can make a more informed decision and ensure that refinancing is in line with their financial objectives.

Before diving into the refinancing process, carefully evaluate the overall costs and benefits, seek professional advice from an independent mortgage broker, and compare loan offers from different lenders. 

By conducting thorough research and weighing the potential hidden costs, you can navigate the refinancing journey with confidence, ensuring that it is a financially prudent decision that supports your long-term financial well-being.

Have your home needs changed in the past year? Perhaps you’ve outgrown your present home, or need to downsize to a more suitable home. If you’re ready to make a move, let’s connect and talk about all the amazing opportunities that are available to you!

Decorate Your Omaha Home on a Budget

by Nancy Heim-berg

Many Omaha homeowners are interested in decorating according to their individual tastes while coming up with a visually appealing look. Those magazines make it seem so simple, but it can also be quite expensive. Even if your budget is limited, you can still get the look you want. You can save money by redecorating your home with these ideas.

Reuse

Before buying new furniture, bedding, and fixtures that will quickly consume your budget, take stock of what you already own. Try to repurpose items. A simple piece of furniture can be transformed with new hardware or a fresh coat of paint.

It is possible to use different types of furniture for different purposes. An unused dining table can be turned into a desk. An old sofa table can be transformed into a mobile bar by adding wheels. Or, you can recycle and revamp an old dresser.

Simple Appearances

Bigger isn't necessarily better. Without spending a lot of money, a few simple changes can have a considerable impact. One way to achieve this is to paint a feature wall or change the color scheme. The throw rugs and light fixtures can also be changed. Even the simplest of changes, like changing the lamp shade, can have a significant impact.

Pillow covers and duvets can be added to bedspreads. But what is a duvet? A duvet is similar to a pillow case for a bedspread. You can pair duvets with existing bedspreads for a unique look. You could also make your own cover if you are looking for something more customized.

Shopping on a budget

If you want to purchase some items, consider purchasing used items. You can find inexpensive décor items in thrift stores and second-hand stores. In addition to wholesalers and liquidation merchants, salvage yards can save some money. It is also important to consider other uses for items.

Be on the lookout for items that people are trying to sell. Visit flea markets and yard sales in the Omaha area, especially now that Spring is here. There are many items available for cheap on eBay. Swap meets can also provide you with what you need, while also letting you get rid of items that no longer fit your needs.

Artwork

Rather than buying expensive reprints or originals, create your own. Use your decoupage or painting skills. Display your child's artwork. You can download free artwork to print at home. Repurpose some old wooden frames. Sponging and foiling can be used to create decorative displays.

One at a Time

It's important to take things one step at a time. Don't redecorate every room at once. Consider dividing your budget into chunks for each room that you would like to redecorate. If you look at each room individually, you may find that there is some money left over for other rooms. By taking on one room at a time, you can avoid becoming overwhelmed by taking on too much all at once.

No matter how small your budget is, there are numerous options for redecorating on a budget. With redecorating, you can make huge or small changes, both of which impact the end result. It's up to you to choose an environment that best represents your tastes in your Omaha home.

Have your home needs changed in the past year? Perhaps you’ve outgrown your present home, or need to downsize to a more suitable home. If you’re ready to make a move, let’s connect and talk about all the amazing opportunities that are available to you!

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Heim-Berg Team
Berkshire Hathaway
331 Village Pointe Plaza
Omaha NE 68118
(402) 677-9024
(402) 679-7108 | (402) 830-6123
Fax: 402-493-4805

Stacey OHara CMG financial 515-306-2360

 

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