Life at Home

One-Week Thanksgiving Checklist

November 20, 2019

Thanksgiving is fast approaching. You’ve invited your guests and planned your mouthwatering menu, but there are still some to-dos standing between you and your bountiful feast with friends and family. Use this handy checklist to get all your ducks… er, turkeys, in a row this Thanksgiving! Confirm your guest list. Finalize your menu. Make a seating chart. Decide on your décor. Order your turkey (if fresh). Clean out your refrigerator & freezer (so there’s ample space for ingredients & leftovers). Make a grocery list. Be…

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Local Stories

Wonderful Washington Dream Home

November 18, 2019

We had the chance to interview Tim and Grace about their dream home at Andasio Village in Port Orchard, Washington. Check out what they had to say! Tell us a little bit about yourself and what you were looking for in a new home. A large floor plan was important to us. We also wanted to live in a small, tight-knit community in the Port Orchard area. What made you choose your floor plan, and what do you like about it? The Lowrey floor plan…

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Buying a Home

Quiz: Which color scheme is right for you?

November 15, 2019
tile collage

At Richmond American, color is always on our minds. From paint to carpeting to tile, we’re continually coordinating color options for our homebuyers. When you offer as many fixture and finish selections as we do, you have to keep your options organized by hue. After all, the average homebuyer doesn’t have our design experience and eye for color matching. The answer: Color Studios. When you visit a Home Gallery™, you’ll discover we’ve done the color homework for you. You don’t have to spend hours wondering…

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Financing & Insuring

What Does Home Insurance Cover?

November 14, 2019

Insurance is a crucial part of being a homeowner. In fact, most mortgage lenders require that buyers carry a homeowner’s insurance policy. While policies may vary, there are certain items and events that are typically covered in many policies. Typically covered: Dwelling Coverage Dwelling coverage includes the actual structure of the home. This means walls, flooring, doors, etc. Other Structures This protects structures not physically attached to your home such as an unattached garage or shed. Personal Liability Homeowner’s insurance covers the physical home, but…

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Financing & Insuring

How Does PMI Help Homebuyers?

November 12, 2019

If you’re familiar with private mortgage insurance (PMI), your gut reaction to that question is probably: it doesn’t. After all, the insurance is paid for by the homebuyer and it only protects the lender. Most articles about PMI focus on how to avoid paying it (have a 20% down payment ready!) or how to stop paying it (bring your loan-to-value ratio down to 80% and start the cancelation process). But, there are reasons so many people decide to go with a loan despite its PMI…

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