How to Incorporate Pantone’s 2021 Colors of the Year Into Your Home

How to Incorporate Pantone's 2021 Colors of the Year Into Your HomeUsing color in your interior décor is a great way to try out new trends. This year’s Pantone Colors of Year, Ultimate Gray and Illuminating, are “A marriage of color conveying a message of strength and hopefulness that is both enduring and uplifting.” 

Ultimate Gray and Illuminating, which is a bright yellow hue, are two independent colors that come together to support one another and we couldn’t agree more that these colors work perfectly together to do just that! Here are some ways you can incorporate these vibrant colors into your home.

Kitchen Backsplash or Cabinetry

If you want to go all in and make a bold statement, we love the idea of making your kitchen pop with yellow backsplash. Ultimate Gray can be used throughout your home, but it is perfect for an accent wall or even cabinetry. These colors will look fashionable for years to come so you won’t have to worry about repainting any time soon. Now, when you design a Hayden Home, we offer gray as an option when you’re selecting your cabinetry color selections!

Furniture

Outfit your living room, bedrooms, or dining room with upholstered furniture. Ultimate Gray is a beautiful color on statement sofas, accent chairs, benches, ottomans, and more. Give them a pop of color, that will make you smile, by adding a throw blanket or yellow pillows.

Decorative Accents

Decorative accents like artwork and other smaller décor items (e.g. vases, lamps, bookends) are an easy way to add either Ultimate Gray or pops of color with Illuminating yellow, into your home in smaller doses. They’re easy to change out as trends, the season, or your design tastes evolves.

Rugs and Linens

Area rugs and linens like bedding, towels, and even curtains offer another less permanent way to enjoy this trend. While Ultimate Gray is a classic color here to stay, you can compliment this color with yellow accents that are perfect for the any room, because the color is ” Illuminating is a bright and cheerful yellow sparkling with vivacity, a warming yellow shade imbued with solar power.” Think about using these colors in layers throughout your home with decorative pillows and throw blankets, a plush area rug, and duvet covers for the bed.

Kitchen Appliances and Cookware

Want to enjoy Illuminating yellow in your kitchen without committing to replacing your backsplash or walls? Colorful kitchen appliances and cookware are a great alternative, like a Dutch oven or even a stand mixer. Another option is looking out for serving platters and bowls in this delightful color.

Enjoy Your New Home!

Ultimate Gray and Illuminating yellow are two colors you will be sure to enjoy for years to come. If you’re looking for additional inspiration, check out our Pinterest board to get inspired by these colors. If you’re still on the hunt for your dream home, we have homes for sale in WashingtonOregon, and Idaho. We are ready to help you, whether you’re buying your first home or purchasing your second or third. Contact us today to learn more!

Holiday Staging Tips and Ticks

We are thrilled to present some simple holiday staging tips and tricks to help you make the most of your space, when setting up for the holiday.

With Karie Bomstad, Owner and Stager at Staging Spaces and Design

Tips for Decorating Your Font Porch

 

 

 

 

 

 

 

 

Tips For Decorating The Front Porch

The front porch is an important space that welcomes all guests into your home. There many simple and beautiful ways to dress up your front porch. When decorating, outdoors, always keep in mind to use weather-resistance decor options. If you have front porch furniture, a fun way to incorporate decor is by using festive throw pillows or blankets to drape over chairs for a pop of color.

Dressing up your window plant shelf with greenery, lights, or even ornaments is another great way to pull in color to your front porch.

Don’t forget your front door. A wreath, tree, and doormat can work to bring the space together.

Tips for Decorating The Fireplace Mantel

 

 

 

 

 

 

 

 

 

Tips for Decorating The Fireplace Mantle

When decorating your fireplace mantle, keep in mind that your goal is to add height and dimension. You can do this by placing garland, ornaments and other items to the mantle.

How to hang garland damage free:

  • Lay the garland directly on top of the mantle or swag in front of the mantle
  • Secure the garland with command hooks for easy removal

Use real or pho greenery and add different accessories to add depth and texture.

Pro Tips – Pick a theme and stick with it. Adding a wreath over a mirror can help to add a simple, yet festive touch to your great room.

Decorating Your Tree for the Holidays

 

 

 

 

 

 

 

Tips for Decorating The Tree

The Tree is the star of the show. Here are some tips for how to decorate it like a professional.

  • Invest in a high quality tree, whether that’s real or artificial, and remember to shape the branches.
  • Spread the branches out to make them look more full and natural.
  • Keep to a color scheme. You can use bows and ribbon to make it feel chic and classy.
  • Before placing your lights on the tree, make sure they are all in working order.
    • If you’re using an artificial tree and you want to keep your lights for the following year, you can wrap them around each branch.
  • Consider a non-traditional tree skirt. Such as galvanized collars, wood crates, or a chunky throw.

Decorating Your Table for the Holidays

 

 

 

 

 

 

 

Tips for Decorating The Dining Room Table

Dress to impress with everyday practical decor. Bringing the outside in during the holidays is an effective and inexpensive way to make your table decorations more festive. Try strewing your table with branches, stems and pinecones and add chargers and placemats to bring the space together.

Pillows add a pop of color for holiday decor

 

 

 

 

 

 

 

 

 

 

Bonus Tip for An Added Pop of Fun and Color

If you have any books laying around, you can wrap them in wrapping paper and lay them on your coffee table. The same goes for empty boxes! Wrap them up, and put them on display.

From all of us Hayden Homes and Staging SPaces & Design we thank you and we wish you and yours a wonderful holiday season. We hope you enjoyed these holiday decorating tips for your home.

Eat, Drink, Give & Support Local

Support Local Holiday Guide Key

We know the holiday shopping season looks different this year. We also know our local businesses and community members need our support.  They are an integral part of making our communities great, unique places to live. We hope our holiday guide helps you find meaningful ways to connect with local business and nonprofits, which in turn, builds a strong community.  Our holiday guide includes local recommendations in the communities in which build.

Whether you’re looking for a way to give, eat, play, shop or relax, we have you covered! Explore our local shopping guides in any of the following regions:

Oregon

Washington

Idaho

We realize there are many other great local businesses in these communities and encourage you to explore online to find more! If you have a favorite, you’d like us to include in the list, we’d love to hear from you! Please email us at info@hayden-homes.com and we will do our best to include your favorites.

 

How to Save for a New Home While Renting

How to Save for a New Home While RentingAre you currently renting but dream of owning your own home? You’re not alone! There are a lot of benefits of owning your own home but it can feel overwhelming trying to figure out how to save.

How do renters make the leap to home ownership? While the answer depends on each individual person, you can use these general tips to create a plan that can work for your situation.

Determine how much you need to save

The first step to saving is knowing what your target number is. There are a lot of costs involved in buying home, one of the largest being the down payment. You may have heard that you need a 20% down payment but that isn’t required. Depending on the type of mortgage you receive, you may be able to buy a home with as little as 3.5%*.

Explore our mortgage calculator to play with some numbers and figure out how much of a down payment you may want to save. Mortgage calculators are a great way to estimate how much your monthly mortgage payments can be and how your down payment can affect the amount.

Review your budget

You can’t plan for the future without knowing where you’re at now. Once you’ve set your target savings amount, its time to review your budget to see where your money is currently going and identify areas you can cut back.

It can sometimes feel impossible to save money without feeling deprived but by looking at your budget, you may be able to find ways to save money while still enjoying your daily coffee shop visit. If you’ve never created a budget before, the 50/30/20 budget plan is an easy place to start.

Set a realistic savings goal

Keep your ambition in check when creating a savings goal. You may want to fast track your nest egg and set aside a large amount each month, but if you find it difficult to consistently set aside that large amount, you may end up more discouraged. Instead, choose a sustainable savings amount you know you can meet each month. It may mean being a renter a little longer but your finances and well-being will be in a much better state.

Reduce spending

Find realistic ways to cut back on spending and discretionary purchases. While going without heat during the winter may save you plenty of money, trying to survive a Northwestern winter without heat is miserable! Instead, consider opting out of cable to a streaming service. You can look for an affordable apartment or take on a roommate to help with the costs. Take a close look at your expenses and see if you’re paying for services you no longer use. Cancel the service and reroute that money towards your savings!

Pay down debt

One of the best ways to free up money for savings is dealing with high-interest debt like credit cards. Find a repayment plan that helps you tackle your debt as quickly as possible. Not only does paying debt increase cash flow, it also raises your credit score and balances your debt-to-income ratio, two things mortgage lenders use to determine your loan eligibility.

Save windfalls

Unexpected money is always a treat so funnel those windfalls like tax returns, bonuses, or cash gifts towards your down payment fund instead of spending it. Every little bit helps and shortens your waiting time. If you get a raise, stomp out lifestyle creep by depositing the extra money into your savings and continue to live off your old income level.

Automate your savings

Make saving easy by setting up automatic transfers into your savings account so you’re not tempted to spend your hard-saved money.

Scale back on large expenses

It may be necessary to scale back on large expenses while saving for a home. Instead of taking big vacations or giving elaborate holiday gifts, find ways to cut back on those expenses. Depending on how much you spend on vacations, consider either taking shorter and more affordable trips or skipping one for the cause. Likewise, instead of giving extravagant and expensive gifts, stick to a budget.

Research down payment assistance programs

Down payment assistance programs are available to help first-time home buyers secure grants or low-interest loans. These programs are available at the federal, state, and city level so program qualifications and requirements vary. Check with the state housing authority to find out more.

Start saving for a down payment today!

Creating a solid savings plan will make home ownership is possible and within reach, even when you’re renting. These tips will allow you to successfully save money while still enjoying life.

Once you’ve hit your down payment savings goal, visit us to learn more about our homes. Hayden Homes builds new single-family homes in Idaho, Oregon, and Washington for every stage of life. We can’t wait to welcome you home!

Discover the Benefits of Homeownership

DISCOVER THE BENEFITS OF HOMEOWNERSHIPFor many, homeownership is the pinnacle of the American Dream. It’s a milestone we look forward too even with all of the responsibilities that are associated with owning your own home. However, there are plenty of benefits that come along with it! If you’re renting, or in the market for a new home and you’re wondering what are the benefits of homeownership, here are some of the benefits you can plan for when you own a home.

It’s generally a good investment

Owning a home has always been described as a savvy financial investment since it’s one of the main ways of accumulating wealth, as long as you purchase a home you can afford. As your property value increases over time, you set yourself to get a substantial return when its time to sell.

Build equity

Equity is what you can sell your home for minus what you owe. You own a little more of your home with each mortgage payment, decreasing the amount you owe and increasing your equity. There are two ways to build equity, usually at the same time:

  1. Reducing how much you owe and
  2. Increasing your home’s value, whether through home improvements or just waiting it out.

Enjoy tax benefits

Homeowners enjoy a number of tax breaks, most notably deducting mortgage interest and property tax payments (the latter if you itemize). You may also be able to deduct some closing cost expenses the first year you own your home. Another handy tax benefit comes when you sell: if your home has been your primary residence for more than two years, you’ll be exempt from capital gains taxes up to $250,000 ($500,000 if married filing jointly) when you sell.

Predictable housing costs

Unlike renters, home owners will know their monthly mortgage payments will stay relatively the same, especially if you have a fixed rate mortgage. You won’t have to worry about increasing rent potentially pricing you out of your home and neighborhood.

Create the home you want

Owning your own home means you can create the home you’ve always wanted. You can own pets without the costly pet rent or deposit, paint rooms whatever color you want, change the flooring or hardware, make updates. The possibilities are endless when you no longer have to get permission or change everything back when it’s time to move.

Privacy

Living in a detached home gives you the privacy you don’t get in an apartment. No more dealing with thin walls and noisy neighbors stomping around above you.

For some, experiencing the feeling of accomplishment that comes with owning a home is the ultimate goal; to have a place to create new memories, enjoy celebrations, and share life with family and friends. Simply put, there’s no place like home!

We’re ready to help whenever you’re ready to experience the benefits of homeownership! We build new homes for every stage in life in Oregon, Washington, and Idaho. Contact us to get started with building your own brand new home!

From Dreams to Beams – Part 1: What’s True When Building New?

We are excited to present the first part from our series called, From Dreams to Beams, What’s True When Building New – where we discuss what’s true when building a new home and explain our new home building process. In this first part, of the series, we explain what to expect when build a new home with Hayden Homes and provide answers to some of our most commonly asked questions.

Q: What is the Hayden Homes building process?

  • It is our goal to make the building process as easy and streamlined as possible. Each community offers a number of floorplans that we are able to personalize to you. Whether you need space for an office, play room or work out area, we have plans to fit your needs.
  • From there, our Project Manager will then prepare and submits plans and specs to the City building department after the Purchase and Sale Agreement is written.
    • This typically takes a few weeks to receive back depending on where you are building your new home.

Q: Is there anything Hayden Homes requires at time of contract?

  • We ask for a deposit at time of contract, however, by purchasing a new construction home, it affords you more time to save for a down payment and closing costs prior to the house being completed.

Q: What types of appointments can someone expect during this process?

  • You’ll experience several different appointments and weekly updates from your on-site agent periodically throughout the build. Either done on-site or by phone.
  • This includes:
    • Pre-Construction Meetings:
      • This meeting allows us to align expectations with you, to prepare you for the construction process, and covers the most important construction details of your new home.
    • Pre-Drywall Meetings:
      • Your home is now in framing and your electrical and plumbing is typically in. We will take you on a tour of every room in your home and discuss its progress. At this appointment, we will walk through the interior and exterior, review the structure and systems behind the walls of your new home

Q: During these appointments, where you tour your new home under construction, who is typically attending?

  • During the home tours, it will be you, your Community Manager, Project Manager, as well as if you have a Realtor, Agent, they would be there as well.

Q: At what point should I get a pre-approval?

  • We will need to have it prior to writing a Purchase and Sale Agreement.
  • However, it is nice to have done in advance, so you know what you’re comfortable with and can expect for a monthly payment.

Q: In regard to Lenders, what should you expect? Will the lender reach out to the homebuyer or will they be contacting our Community Managers directly?

  • On your pre-approval letter, your loan officer’s information will be on that letter. We will ensure that we CC them when emailing your regarding all of the milestones of the build of your new home. This allows for them to be informed of the progress of your home as you are.

Q: Does Hayden Homes do any inspections throughout the build process?

  • We strive to provide the highest quality new home, through our comprehensive, over 300-point Inspections we are committed to providing a quality home.
    • Each Hayden Home undergoes several Quality Inspections as well as a third-party verification that your home was built right the first time.
      • The homebuyer is also able to have the home inspected, at your own cost, prior to the new home orientation.
    • For extra peace of mind, we provide a comprehensive one-year warranty.
  • Prior to your home closing, we will do a New Home Orientation
    • This will be in an in-person appointment with your Community Manager, Project Manager and Customer Service Manager.
    • In addition to showing you the best ways to maintain and protect your investment, we will explain all the features and benefits of your new home and ensure you are aware of all the warranties.
  • Key Turn Over: on closing day, we will schedule a special appointment to deliver the keys to your new home

Q: At what point is someone is able to choose and select colors for their new home.

  • After the Purchase and Sale Agreement, your Community Manager will schedule a time for you to come in and choose your colors for your new home. This happens usually within 14-days of writing your contract.
  • Each of our model homes, has a designated design center that allows you to personalize structural features, select your color palette, and choose finishes to make this home uniquely yours.
  • We have worked with an interior designer who created color packages that can help people get started with their selections and makes the process really fun and easy!

Q: How long does it take from writing your Purchase and Sale Agreement to receiving the keys to my new home?

  • For example, in South Washington, it takes anywhere from 100 – 140 days from when we receive permits back from the City. This varies by region, please reach out to a Community Manager in your region to find out how long this process takes in your area of interest.
  • Weather and the different municipalities, do play a factor in our build time as well.
  • We are committed to staying in communication with you, to explain the build times from the beginning, and of course providing updates along the way.

Q: Am I able to go into my new home at any time during the build and conduct my own tours? 

  • You may feel like you don’t want to be a bother to us… but our customers are never a bother to us. We love interacting and being with you through this customer journey.
  • For your safety, since your home is being built in a live job site, we request that you contact us prior to going out to the home to ensure you have the appropriate safety (hart hats) and we can be there with you.
  • We know this is an exciting time for buyers, and we don’t mind setting up appointments to ensure your safety.

Q: Why Hayden Homes? What makes Hayden Homes different than other new home builders, in the market?

  • When you buy a Hayden Home, you will see and experience our commitment to quality.
  • You will work with a team who stands by their work and enjoy a simple home-buying process that is unlike any other in the market.
  • Our customer service is one of a kind, and we offer a 1-year warranty.

Q: What if I don’t want to go into a model home, is there a resource I could use to price out my house?

  • The Design Your Home feature on our website, allows you to personalize your floor plan of choice with the options and colors.

It is important to us that our homebuyers are informed about the home building process. If you have any additional questions, we would love to hear from you and help get those questions answered. Contact us today with any additional questions and to get started with building your own brand new home!

Engagement Strategies for Distance Learning

By Katy Turpen, EdD, Associate Professor ELED, George Fox UniversityHayden Homes Back to Home School Giveaway Collage

Dr. Katy Turpen is an Associate Professor in the Education Department at George Fox University.  She has been with George Fox for 12 years and currently sits as the director of the Elementary Education Degree Completion Program. Katy is passionate about education and preparing teachers and parents – especially in our current educational climate. Katy has two fabulous kids she is homeschooling this year and is excited to be sharing tips and tricks for families navigating a new education paradigm, be that Comprehensive Distance Learning, hybrid learning, or homeschool.

Kids Learn in Different Ways

Kids Learn in Different Ways

There are multiple styles in which we learn and process information. Visual learners do well by seeing and reading, auditory learners excel through listening and speaking, and kinesthetic learners do best through hands-on activities. Figuring out the learning strengths of your child can help with things like homework and school. Conversations and learning become more productive when you can identify the way your child receives information and knowing your child’s learning style can help you present information in a way that makes it easier for them to learn. If you’re interested in discovering your child’s learning style, here is a great resource  for getting started.

Lets Go to School

Let’s Go to School!

It is important that you create a physical space where your child is excited to “go to school”. This doesn’t have to be a traditional desk set-up, but it should be a fun and comfortable space that is special to your child. Here are some tips and tricks for setting up the ideal learning environment:

  • Make it comfortable
  • Let kids decorate
  • Use a lap desk and comfortable chairs if a traditional desk is not for you

Creating an organized space is also important do reduce stress and chaos.

  • Identify a place where supplies are kept and organized
  • Utilize caddies, cubbies and baskets to put things away

Buying fun school supplies is a great way to increase engagement and make your child feel like they are “at school”. Ideas for special school supplies you can incorporate in to your “classroom”:

  • Dry Erase Board
  • Erasable Pens
  • Scented Markers

Establish a school routine to ensure you are productive with your time, and everyone knows what to expect throughout the day.

  • Start at the same time each day
  • Get dressed and out of pajamas in the morning
  • Eat a healthy breakfast

Age = Attention Span

Age = Attention Span

Kids of all ages struggle to sit and listen attentively for long periods of time. When you are thinking about breaking up your day, consider your child’s age as a guide for how many minutes they can remain on task. If you have a 10-year-old, you can expect approximately 10 minutes of attention. Here are some important things to remember about breaking up your day:

  • Quality vs. Quantity – a few minutes of focused work is better than a long period of time that lacks focus. You should only spend 20-30 minutes max on any one project, split in to blocks of time appropriate for their age
  • Set timers to keep everyone on task
  • Breaks are good
  • Split video assignments in to 2-5-minute segments
  • Fidget toys are effective
  • Movement is important
  • Create a checklist of items that need to be finished at the end of the day

Build on the Positive

Build on the Positive

Kids respond well to recognition, and acknowledgement of their hard work. Building on small victories encourages continued motivation and success. Brainstorm with your kiddo and let them decide what is motivating to them, so that you have tools to get through some of the harder tasks. Visual representation of rewards is helpful, and below are a few ideas for reward systems to keep kids engaged.

School Looks like a lot of things

School Looks Like a lot of Things

Learning can happen in several ways. Don’t be afraid to put down the pen and paper and utilize other tools for education and mind breaks.

  • Play
  • Walk
  • Talk
  • Cooking
  • Take Breaks
  • Provide a choice bucket with activity options to choose from
  • Rearrange the order of your day to keep things interesting
  • Use fun apps and programs, such as: Audible, Amazon Unlimited, Prodigy, Epic, Storyline Online

If you enjoyed this information, join Dr. Katy Turpin online where she is always sharing tips, tricks and resources for distance learning.

Facebook: https://www.facebook.com/groups/720646598483414

Instagram: https://www.instagram.com/drturpen/

Back to Home School Giveaway

Be sure to check out the Hayden Homes Back to HOME School Giveaway and enter to win a Back to HOME School Package, including:

  • A new iPad (or home computer)

  • Home school desk and chair

  • Books, activities and school supplies

Hayden Homes will work with the winner to make sure the package is exactly what they need to get this school year off to a great start!

For every package given away, Hayden Homes will donate one to a local nonprofit who is ensuring all kids in our community have access to the supplies they need for successful distance learning. ENTER TO WIN!

Pacific Northwest Wildfire Resources

Our hearts are heavy seeing communities, homes, businesses, and lives lost from the devastating wildfires across Oregon, Washington and California.  Thank you to all the frontline hero’s – our firefighters, medical personnel, first responders and volunteers – for your bravery and service. We, like many of you, want to help however and wherever we can. We’ve compiled a list of local resources here to help if you or someone you know is looking for ways you can help or are in need of a place to stay, food, or other items.

CENTRAL OREGON RESOURCES

Redmond

  • The Super 8 Motel in Redmond is housing several fire victims.  The Red Cross also has staff members there on site to help victims and get them resources they need. Due to COVID-19, they cannot take clothing our household items, but here is a few ways you can help:
    • Drop off gift cards to local restaurants and grocery stores to help victims obtain groceries, dining, pay for prescriptions, etc. Preferably in smaller amounts of $10-$25 so they can distribute as needed to the guests. Please be sure to put them in an envelope labeled “For Fire Victims” and give them to the front desk staff at the hotel.
    • Single load laundry detergent (i.e. pods) to provide to guests
    • If you wish to make a cash donation to the Red Cross, you can do so online, by selecting “Oregon Wildfires”.
  • St. Vincent de Paul in Redmond is accepting donations for household items and clothing. These can be taken directly to their location at 651 SW Veterans Way, Redmond. Please make sure items are clean and well-kept. Current needs include:
    • Clothing
    • Bedding and Sleeping bags
    • Tents
    • New socks and underwear
    • New toiletries – toilet paper, toothpaste, shampoo, soap, etc.

Bend/Tumalo 

  • The Giving Plate is here to help with food. They are open Thursday and Friday 10-4 and Saturday 10-2.
  • Oregon Wildfire Relief Fund. All proceeds will be donated to those most affected by the devastating wildfires. Fund is managed by the Bend Fire Community Assistance Program
  • The Bite in Tumalo is a drop location for donations of sleeping bags, camping chairs, clothes, water bottles, packaged snacks and first aid supplies.  They will be making several trips to deliver donations in the coming days with their first delivery today.

OREGON I-5 RESOURCES

Springfield 

  • Springfield High is accepting donations at their location at: 875 7th St., Springfield, OR 97477
  • United Way – is accepting donations, which can be made on their website here: https://bit.ly/3mcF0Wa

Medford

INLAND NORTHWEST RESOURCES

  • Spokane Area – Our friends at No-Li Brewhouse are matching donations to the Whitman County Fire Community Relief Fund dollar for dollar up to $25,000. 100% of the funds raised will be donated to the families of Malden and Pine City. $25,000 x 2 = $50,000. Learn more here. 
  • Help with American Red Cross Disaster relief for the central and eastern Washington fires here.
  • GoFundMe has launched a centralized hub identifying all verified fundraisers created to help residents who have lost their homes and have been displaced by the fires. Donate to Washington wildfire relief, to help those in need here: GoFundMe Page.
  • Very sadly but of the hundreds of homes and a dozen or so commercial buildings lost in the Malden, Pine City and Colfax fires this week it is estimated that less than half of those people had no insurance to cover their dwellings or belongings. United Way of Whitman County is working closely with the Red Cross, EMS and disaster relief organizations to work on a long term strategy for helping these individuals. Here is a link to the public donor fund for more information: https://donorbox.org/whitman-county-fire-relief-fund?fbclid=IwAR0EUjO3XMrkh6oiSw7B7kPXQqCFYlieojzVlvHJCHY6-7lw2aPrpMxDveM
  • What and how you can give from the Inlander – a Spokane Washington based publication, which recently posted an article that includes a list of volunteer opportunities, virtual volunteers needed in the region, events & benefits, donations needed and wish list items needed. Click to view the Inlander Give Guide Initiative. 

ADDITIONAL RESOURCES

We will continue to update as more information becomes available. We hope you’ll join us in supporting our communities and those in need. Continued thoughts for everyone’s health and safety.

Breakfast, Lunch and Snacks while Distance Learning

Mom and son making Breakfast in their new Hayden HomesarningIt is important, even in a distance learning setting, to maintain a nutritious and well-balanced diet for your kiddo. We know it’s a challenge to prep and serve meals and snacks that keep kids energized and focused, without keeping you in the kitchen all day. Below are some tips and information to help get your family off to a healthy start this year.

  • Start the day off strong, with a protein based-healthy breakfast before the day’s lessons. A healthy breakfast will give your kids the energy and brain power they need to stay active, keep up with the days routine and make it until lunch without hunger getting in the way. Check out these 28 Ideas for a High Protein Breakfast to help you stay creative in the kitchen.
  • Lunch time can be challenging when you want your kids to eat healthy and they have their own idea about what makes a great lunch. If you’re looking for fun ideas that children will enjoy, try these 50 Lunch Ideas for Kids at Home. These recipes are balanced, quick to whip up and suitable for kids of all ages.
  • It is recommended that kids have two nutritious snacks throughout the day to provide important nutrients they need between meals and help boost their brain power throughout the day. During the week, this means children should have a mid-morning and mid-afternoon snack to meet the demands of their growing bodies and brains. Learn more about the benefits of healthy snacks and how to prepare something your child will enjoy here.

Dieticians and Nutritionists suggest a focus on whole, unprocessed foods as it can help your kids maintain stronger immune systems, have better moods and increase fitness levels.

If you can, cook ahead and meal prep to make things easier on school days. You can even get your kids involved in the process and plan fun picnic-style meals that they can mix and match. And lastly, as important as food and nutrition is, don’t forget to focus on hydration with frequent water breaks.

We’d love to hear your kiddos favorite recipes in the comments!

How Much Money Do You Need to Buy a Home?

Couple sitting in their home on their laptop looking up How Much Money Do You Need to Buy a HomeWhen you think about buying your first home, you’re probably already calculating how much of a down payment you’ll need to save based on the price of your desired home. However, those aren’t the only costs you need to consider when it comes to buying a house.

The listing price and down payment are just the start. There are additional costs you’ll need to cover before getting the keys to your new home and chances are, it’s more than you think. Many new first time homebuyers are surprised by how much it actually takes to buy a house. The final costs will vary based on the purchase price but here’s a good run down of the additional costs you should account for when creating your homebuying budget.

Down Payment

This is the most obvious cost following the listing price. The down payment is a percentage of a house’s purchase price that is paid upfront. For example, with a 20% down payment, you’ll pay at least $50,000 for a $250,000 home.

While a 20% down payment is the gold standard, you may be able to buy a house with as little as 3.5% down depending on the loan type (VA and USDA loans don’t require a down payment but additional conditions may apply so check with your lender).

Be aware that if your down payment is less than 20%, your lender may require additional private mortgage insurance (PMI). Saving for a down payment can feel daunting but it’s possible. We’ve rounded up some ideas to saving feel more achievable.

Closing Costs

Closing costs cover the fees for the services and expenses needed to finalize your mortgage. This can include property-related fees like appraisal and home inspection, loan-related fees like the application and origination fees, attorney’s fees (if required), mortgage-related fees like PMI, property taxes, annual fees, and insurance, and title fees (this may vary depending on your location).

Buyers can expect to pay between two to five percent of the purchase price. For the same $250,000 home, closing costs may run between $5,000 to $12,500. You may be able to negotiate closing costs be paid by the seller or take advantage of builder incentives that cover closing costs, if available.

Cash Reserves

This cost usually catches homebuyers by surprise. Most lenders require buyers to have additional cash available after all closing costs are paid. Lenders typically like buyers to have at least two months of mortgage payments available in reserves. This makes sure the buyer can make their payments during the first few months of ownership. If your mortgage payment is around $1400, should plan to have at least $2800 in reserves.

The cash reserves don’t need to be deposited into an account with the lender. The lender will need to verify you have the funds available in an existing savings or checking account, or money-market fund.

Other Costs to Consider

Once the home is officially yours, you can start planning for moving costs and any additional furniture you may need to fill out your home, especially if you’re upgrading from an apartment, or a smaller home to a larger more spacious home.

If you’re preparing to buy a home soon, understanding these additional costs will be helpful. We are not a mortgage lender, so we highly recommend that you check with your individual mortgage lender to determine how much you should prepare to have on hand to buy your new home.

When you’re ready to make the jump into homeowner, we’re ready to help! Hayden Homes builds new single-family homes in Idaho, Oregon, and Washington for every stage of life. Visit us on our website to learn more about our homes and new home communities.