February 23, 2012

The Stress of Buying a New Home

No one sells more than RE/MAX!!Buying a home can be one of the more stressful experiences in life. It is often a long and sometimes intimidating process, lasting up to six months on average. The Real Estate market is huge and changes often with swings up and down. It’s easy to become overwhelmed by how much is ahead of you and how little you know about the process. But with the right attitude, it can also be an enjoyable, even exhilarating experience.

Here are some tips to make your home-buying experience positive and less stressful.

Preparing to Move

Organize

Be prepared by becoming knowledgeable. Educate yourself on each step of the process so you know what to expect. Get organized ahead of time. Keep a notebook and calendar dedicated exclusively to the home-buying process. An Excel spreadsheet is a great way to organize and compare all the information you gather, such as the homes you are interested in, potential lenders, and different mortgage rates.

Finances

Assess your financial situation before you begin looking for a home. Come up with a solid number for the maximum amount you can afford, as well as a target amount you would like to spend, ahead of time. Overestimate the closing costs (interest rates can change). This is also a good time to begin gathering the financial documents that you’ll need when applying for a loan.

Keep your finances in order until you close on your new home, which could be as long as six months away. Do whatever you can to help improve your credit score; don’t acquire new debt (no major purchases, new loans or new credit cards), reduce or eliminate any current debt, and pay your bills on time. It is never too early to begin improving your credit and is best started as early as two years prior to purchasing a home.

Find an Agent

Find a real estate agent who you trust and connect with on a personal level. Communication in this relationship is fundamental. Some questions to ask yourself: Are they good at translating industry jargon into terms you can easily understand? Do they communicate well using media that works for you, such as email, cell phone, or video conferencing? Credentials are a big factor too. Choose an agent with proven expertise in both the type of property and property location that interests you.

Finding a Home

“Think from the end,” is a common phrase heard in human potential circles. See yourself in your new home. How does it make you feel? What does it look like? Keep a journal to record these thoughts. Be as descriptive as possible. This can help to not only narrow down precisely what you are looking for in a home, but it can also help anchor you emotionally during a potentially unstable time by keeping the big picture in mind.

 

While dreaming of your new home is an important first step, keeping your expectations in check is equally important. Keep in mind that the criteria of what you are looking for in a home will change along the way. No house is perfect. Be willing to compromise on some of your requirements. Make a list of your top priorities (must-have’s) and lower priorities (nice-to-have’s). This will help identify areas where you can be more flexible.

Once you’ve found a home you like and know what you can work with financially, don’t let the latest market news influence your decision to move forward. If you start second-guessing the housing market or interest rates, you risk losing the home to another buyer. Choose a home because you love it. Listen to your heart.

Waiting for Acceptance

 

Once you’ve made an offer on a new home, try to relax and engage in your routine activities while you wait to hear whether the seller accepts your offer. During this waiting period, there are many potential stressors that could send your mind reeling. What if the seller rejects your offer, or comes back with an unreasonable counter-offer? Was your offer too little, or too much? Be prepared to make many offers before one is accepted. Keep in mind, even if your offer is accepted, there’s no guarantee it will close. Try to remain detached from the outcome until after the property has been inspected and you’ve been approved for a mortgage.

Inspection Period

Hire experienced and certified inspectors to conduct a thorough inspection of the property including possible insect damage. Be present during inspection, so you can ask questions regarding the home and become knowledgeable about any issues that are discovered.

Getting approved for a Loan

Taking out a loan can be the most stressful part of the home-buying process. Transactions typically take at least a month to complete. Having your financial situation scrutinized can be an uncomfortable process. Worrying about whether you will be approved is an added stressor. It helps to gather your financial records (credit card balances/statements, bank statements, investment statements) prior to meeting with a loan officer. Obtain a copy of your credit report; you’re entitled by law to one free credit report per year. A copy of your 4506 T form (IRS Tax Return Transcript), which includes a summary of your tax information, is also available online for download.

 

Don’t lose sight of the fact that you have options when choosing a lender and a mortgage. This can help restore a sense of control when so much of the home-buying process is out of your hands. Talk to several lenders; don’t just go for the first lender you talk to. Consult with your Real Estate agent to help you through the process of securing a mortgage. Don’t hesitate to ask questions until you understand the answer.

After Close, Moving In

Justin CartierJustin Cartier

I am a licensed Real Estate Broker with RE/MAX Advantage Realty Group in Bangor Maine. I represent the interests of buyers and sellers throughout eastern, central and downeast Maine. I have lived in 17 states and visited 49 of them and Maine is where I choose to call home. It really is the way life should be! Nobody sells more real estate than RE/MAX! Outstanding agents Outstanding results!

Contact me (207) 942-8100, (207 )460-2460 JustinCartier@gwi.net
Search for Maine Real Estate at: www.JustinCartier.com

Shannon OdomShannon Odom
I am a mortgage loan officer for Northeast Bank. I specialize in residential purchase and refinance transactions. If you or someone you know are in need of an experienced mortgage loan officer please keep me in mind. I am available 7 days a week from 9-9.

Our Mission at Northeast Bank:
To meet the financial needs of our customers by providing access to virtually every financial product or service available today, including even those of our competitors, when it is in the customer's best interest;

To serve our customers with honesty and integrity, with objective financial advice based on their needs, not ours, and with exemplary personalized service;

To deliver, through innovation, growth and stability, superior value to our customers, our shareholder and our communities.

NMLS ID 509649 • 277 State Street •Ÿ Bangor, ME 04401 •Ÿ Tel: 207.561.0944 •Ÿ Fax: 888.600.5335 •Ÿ www.shannonodom.com

FacebookTwitterActiverainLinkedin
Susan EstesSusan Estes
I am an Escrow Specialist/Closer for Consumer Title. I have been in the Real Estate Industry since 1987. I enjoy answering questions and helping consumers purchase their dreams. With my vast knowledge base from real estate broker, marketer, processor, closer, notary and the excellent resource of John R. Willson, Esq., I hope to provide some interesting and timely information. Contact me for any questions at Consumer Title. 207-973-1700 sestes@ctmaine.com

Congratulations! You’ve successfully negotiated yourself through the complex maze that is home-buying and now find yourself at last kicking back on your couch with your favorite drink in the home of your dreams.

Housing Goes “Green”

Housing Goes “Green”

Wherever you turn these days, it seems that someone is talking about “Green”, or “Leadership in Energy and Environmental Design (LEED”) certified buildings, and “Zero Energy Homes.” Each of these share a commitment to reduced energy consumption and the “re-use, repurposing and recycling of materials,” “improved indoor air quality” and use of “environmentally friendly” and “renewable products.” Green or LEED buildings generally generate 20 to 70 percent in energy savings, while a Zero Energy Home (ZEH) by definition must generate enough energy to meet or exceed its own heating, cooling and electrical needs in any given year.

With all of the recent attention being given to energy conservation, you might not realize that a handful of individuals began vigorously exploring ways to significantly reduce energy consumption in the early 1970′s. Since then, energy saving practices have been refined and expanded and have been incorporated into projects ranging from small homes to large commercial buildings, schools and fire stations to government buildings. Recent projects have successfully demonstrated the economic viability and sustainability of incorporating rigorous energy and conservation standards into new construction without increasing budgets or extending schedules.

Many conservation efforts are most easily incorporated at the time of initial construction, however some are easily adapted either as a stand-alone project or as part of routine equipment replacement.

Heating, Cooling and Electricity

High efficiency furnaces and/or heat pumps – replacing old furnaces with higher efficiency models or possibly converting from an older type of heating and/or cooling device to one utilizing newer technology can lead to significant energy savings. Many furnaces built just 15 years ago are quite inefficient when compared to models available today.

Insulation – adding additional insulation in attics, crawl spaces and exterior walls are all potential areas for reducing energy costs. Also, by sealing cracks in the attic around areas where ceiling lights and fans are installed or wires are strung can also cut energy costs substantially. When all these small openings are added together, they can have the same effect as having a window left open.

Horizontal Loop Ground Source Heat Pump System – this relatively unheard of heat pump system runs coils 4 to 6 feet underground to tap into the constant temperature of the earth’s soil to provide either heating or cooling depending upon the season.

Windows – installation of wood or vinyl encased triple pane windows significantly reduces heat loss and eliminates drafts.

Building Site Orientation – for new construction, orienting a building to utilize the southern exposure along with window placement allows for the exploitation of both natural lighting and solar heat.

Light bulbs – the days of the incandescent light bulbs may be numbered as legislators across the nation discuss legislation to ban their use in favor of the more efficient LED and CFL lighting technology as a measure to reduce energy usage.

Higher efficiency appliances – installation of high efficiency appliances will significantly reduce energy consumption, particularly for appliances that run all the time, are energy consumers or are used with high frequency.

Water Consumption

Water heaters – there are several energy saving strategies available when it comes to water heaters. When opting to use a traditional storage tank, the location of the tank can have a significant impact on the amount of water consumed and the cost of heating the water. The most economical placement is to have the tank as close as possible to where the water is used most so there is less water wasted waiting for the hot water to arrive. Adding insulation to the first foot of the pipe coming out of the hot water tank will reduce heat leakage. An alternative to the traditional hot water heater is the tankless water heater that only heats the water as needed by running the water through heated coils. This method eliminates the need to keep water hot all the time and the energy required to do so.

Landscaping -by designing and implementing a landscape centered on plants native to your locale that are also drought tolerant will reduce landscape watering requirements.

Rainwater cisterns with filtration systems – also gaining popularity are rainwater cisterns that store water from rooftop collection systems to be later used for irrigation. Sizes vary and can be selected based up on rainfall averages, collection area size, and available storage locations.

Impervious Paving Systems – porous surfaces reduce the impact on surrounding areas by allowing rain water to penetrate surfaces and be absorbed into the soil. Reducing runoff helps alleviate premature expansion of storm water treatment facilities.

Indoor Air Quality

Flooring – several options exist when making flooring selections that will increase air quality. For those willing to either reduce the quantity of carpeting or forego it all together, selecting sustainably harvested wood or bamboo is a good alternative. However, for those set on having carpeting, selecting carpets made using natural fibers with a low-pile can reduce the collection of allergens. Also, air quality will remain stable when carpeting is installed using tacks rather than fume emitting glue.

Paint – better air quality is achieved by using low-VOC (volatile organic compounds) and low-toxic interior paints and finishes instead of other paints and finishes that release higher levels of chemicals and toxins.

Additional Energy Sources

Solar – once thought of as an “alternative” source of energy, solar panels are gaining popularity. Solar panels remain an expensive option; however, their cost has dropped significantly over the last number of years, making them less cost prohibitive. Although solar panels will work in any climate, sunnier locations will result in higher productivity. To encourage the installation of solar panels, governmental agencies as well as some utilities have created different incentive and rebate programs to lower the cost.

Wind – although not practical for the average home owner due to its high installation costs ($40,000 or more), it does remain an option for those located in areas with sufficient wind and land resources. Generally, a home tower will produce between 8,000 – 18,000 kWh per year given sufficient air movement and requires being located on at least an acre of land.

Preparing for Winter

As winter approaches, preparations should be considered both inside and outside your home to protect your investment, maintain your safety, and provide comfort throughout the colder winter months.

Indoor Preparations

The most obvious items to address as the winter months approach center largely around ensuring that your home remains warm. Regardless of your heat source there are preventative measures that should be taken to ensure that you remain warm and safe inside your home. Some of the most important areas to assess include:

 

Furnaces – regular annual furnace inspections will help keep your furnace in good repair. Cleaning or replacing furnace filters monthly during the operating months will also keep your furnace operating efficiently.

Oil Heaters – like furnaces, oil heaters require annual inspections and maintenance. Annual inspections should include: inspecting the chimney, cleaning the pipes to remove soot build up, replacing the air filter, checking oil pressure and cleaning the oil filter bowl. Oil supplies will need to be replenished.

Fireplaces – periodic cleanings should be performed by a chimney sweep to remove soot and creosote buildup to prevent chimney fires. It is also a good time to ensure that woodpiles are sufficiently stocked for the winter months with well-seasoned wood. Woodpiles should be located in a dry location and in an area away from structures to prevent granting wood-eating insects, such as termites, easy access to your home.

Inspect windows and door for leaks – replacing cracked windows, or sealing air leaks around doors and windows will not only make the winter months more comfortable, but will also lower the costs of heating your home. One method of sealing leaks around windows is by using a removable caulking product which allows for easy removal and restoration of functionality for windows with the return of warmer weather in the spring.

Evaluate smoke detectors and related safety equipment – the ending of daylight savings time is an ideal time to replace batteries in smoke detectors and any other battery-powered safety or emergency equipment. It is also a good time to evaluate existing smoke detectors, carbon monoxide detectors and fire extinguishers in terms of lifespan and whether they provide an adequate level of coverage. Smoke detectors and fire extinguishers are generally considered to have a lifespan of 10 years, whereas carbon monoxide detectors have a lifespan generally ranging from 2 to 5 years. Beware that batteries in the carbon monoxide detectors may still function after the actual carbon monoxide sensor has ceased being operational.

Outdoor Preparations

Outdoor preparations should include a walk around your property with an eye for cracks in foundations, the mortar in brick structures, and caulking or weather stripping that has failed. Other things to look for include: evidence of uninvited guests in the form of rodents or birds living or nesting in unsafe or unwanted locations, exposed wood that may need some type of protective treatment applied, and items that are too close to heat sources that could become fire hazards. In addition to this general evaluation, here is a list of specific items to consider:

Hoses/hose bibs – in regions where temperatures drop below freezing, it is important to disconnect and drain your garden hoses, and either wrap hose bibs or cover them with insulating covers to prevent freezing pipes. A quick inspection for other exposed pipes that may need insulating will prevent the headache of dealing with broken pipes later.

Sprinkler systems – in colder climates, sprinkler systems will need to be drained to prevent water from freezing and causing cracked or broken pipes. You may be able to drain the water yourself, or you may hire a professional to winterize it by blowing the water out of your system with an air compressor.

Roof – inspect your roof for any loose, missing, worn or damaged shingles, tiles or other roofing material and have any needed repairs made to prevent unwanted water damage.

Clean your gutters and downspouts – after leaves and other tree debris has fallen and collected in your gutters, it will be important to clean the gutters and downspouts to prevent water from backing up and causing water damage or overflowing during winter storms.

Clean landscaping tools – when storing your landscaping tools for winter, take the opportunity to clean them well, apply a light coat of lubricant on tools such as pruning shears to keep them operational and to extend their lifespan, and replace tools that are in poor condition so you’ll be prepared next spring when your landscaping begins to come to life once again.

Prepare winter equipment – now is the time to test winter equipment that you may need in the coming months and make any necessary repairs ahead of time. Knowing that the snow blower or back-up generator will work and are in good repair and that you are prepared for inclement weather will provide peace of mind. It is also a good time to place this equipment along with shovels and salt in an accessible location so it is readily available when it is needed.

Winter fertilizer – an application of winter fertilizer to lawns will promote stronger roots and help produce a healthier lawn in the spring.

Plants – take a look at your landscaping and determine if there are plants that may be sensitive to cooler weather and require special preparation. While some plants may need to be trimmed, others may require additional composting materials around their roots to protect them during freezing temperatures, and others will need to be moved to a sheltered area or indoors. This is also a good time to lift bulbs that won’t survive the colder temperatures such as dahlias and to consider planting spring bulbs like tulips and daffodils.

Emergency Planning

Lastly, don’t forget to review or establish an emergency plan and supply kit.

Emergency plans should include:

Designated out-of-area contact as a centralized point person – often in emergencies it is easier to reach an out-of-area contact than a local one to relay information about impacted family members

Back-up meeting place

Back-up child care and pet care arrangements

Accommodations for any special needs (non-ambulatory or disabled family members, family members using oxygen tanks, etc.)

Emergency supply kits should be kept in an easily accessible location and contain:

Water

Non-perishable food

Pet food

Blankets

First Aid kit

Candles and matches/lighter

Battery-operated radio

Flashlights

Important phone numbers – relatives, utilities

Fuel for any back-up heat sources

Supplies for existing medical conditions

For homes with infants, an adequate supply of diapers and infant related items

Take action to make your dreams a Goal

Realtor“A dream becomes a goal when action is taken toward its achievement.” Bo Bennett

I appreciate your interest in making a move to a new home. Whenever your dream home becomes available, you want to be aware of all your real estate options, don’t you?

I’d like to invite you to call me anytime you see an advertisement, a sign, or are curious about a property. Whether you see a property on the Internet, or hear it through the grapevine, be sure to call me first. I’ll do all the checking for you.

If you have visited my website at www.JustinCartier.com and used the dream home finder, then you are well on your way. We’ll automatically send you information on properties that match-up to your specifications.

If you’d like to review the properties on the phone or in person, I’d be glad to set aside time to do that. I see a lot of available homes on a daily basis. This means I may have already seen your dream home. If so, I’d love to show it to you. I am available at your convenience.

Buying a Foreclosure

Justin Cartier- REALTOR

www.JustinCartier.com

In some ways, buying a foreclosed property is similar to purchasing a more traditional home. In other ways, it’s very different.

In either case, you should be working with a professional REALTOR® such as myself from the start. I can assist you every step of the way, from finding the right mortgage to finding the right home and getting the right deal.

You should first get preapproved for a mortgage. This will not only determine how much you can afford to pay, but it will give you a competitive advantage when you begin making offers. In some cases it is a requirement for your offer to be considered.

Then decide what you’re looking for in a home: which neighborhoods you’re interested in, the type of home (ranch, split-level, etc.), the number of bedrooms and bathrooms, and so on.

You’ve already started researching the market on www.JustinCartier.com and you can begin taking a closer look at foreclosure properties that look promising. If you live in the area, you might drive around neighborhoods that interest you.

I can then help you narrow down your search, and I may know of listings you’re not aware of. I’ll compare prices of recently sold homes against homes in which you’re interested and help you get the most house for the money. You may even decide a foreclosure isn’t for you.  If so, I can help you purchase a traditional home.

Whether you’re going to buy from the homeowner during the pre-foreclosure process, at a public auction or from a lender or government agency, I’ll provide guidance and counsel every step of the way.

One of the ways in which buying a foreclosure differs from a traditional sale is that these homes are usually sold as-is, meaning the owner won’t perform or pay for repairs. Therefore it’s especially critical that you have the home professionally inspected and be ready to address the possibility of costly problems, or if needed, walk away and continue your search.

Buying a home or investment property can be one of the most rewarding things you do. Please call me and I’ll help you through the many tricks and traps along the way.

Justin Cartier

RE/MAX ADVANTAGE REALTY GROUP

(207) 942-8100

(207) 460-2460

www.JustinCartier.com

JustinCartier@GWI.net

Hard Work!

“Hard work spotlights the character of people: some turn up their sleeves, some turn up their noses, and some don’t turn up at all.” Sam Ewig

Working hard and achieving results always feels good to me. I’m inspired to start early and do what I have to until the job is done. I’ve noticed that joggers, executives, and morning people are up in time to see the sunrise. What’s your preference – to be an early riser, or to burn the midnight oil?

I’ve learned that the first hours of the day are often my most productive. I see clearly, I think clearly, and half the people who are calling, writing, or looking for me aren’t even up yet! So, if you’re an early riser, call me in the morning. If you’re not, call me anytime. And day or night, you can visit my website at www.JustinCartier.com to view recent home sales or prepare an online market analysis.

As a RE/MAX Premier Quality Sales Associate I specialize in making my schedule fit for anyone who’s buying or selling real estate, including you, your friends, and family.

Justin Cartier

RE/MAX ADVANTAGE REALTY GROUP

(866)942-8100

(207)433-5440

(207)460-2460

Don’t Measure your House with a Dollar Bill

Soar above the Crowd

“If you can count your money, you don’t have a billion dollars.” J. Paul Getty

The longer I’m in the business of real estate, the more I find that sellers and buyers of real estate are looking for accuracy and attention to detail. That’s a part of my RE/MAX Premier Customer Service.

When it comes to measuring for carpet, drapes or wallpaper, I’ve learned to trust the professionals. They know the old rule about measuring twice and cutting once. However, if you are in a bind and need to measure something like a picture frame, piece of furniture or an object of art, you can relax. You always have a ruler handy, if you have a dollar bill.

Remember that a dollar bill is 6¼ inches long. That’s about a half a foot, right? If you fold it in half, it’s 3 inches the wide way, or 1¼ inches the narrow way. This works great for items that are a couple of feet across.

Please don’t try measuring your house with a dollar! In fact, if you want to get a measurement of your home’s value, you can look at recent home sales, real estate news, or an online market analysis by visiting my web site at www.JustinCartier.com.

I’ll work to earn your trust, and save you time while you continue to work at what you do best. I’ll do all the work to determine the sizes, features and the market value of the home you’re in. Or, I’ll help locate the home you want to be in. Or both! Just call me when you need me.

www.JustinCartier.com
(866)942-8100
(207)460-2460
JustinCartier@gwi.net

Its Too Crowded

Justin Cartier“Nobody goes there anymore. It’s too crowded.”

Yogi Berra

The real estate market is crowded with choices. Homebuyers are faced with choices about areas, properties and agents with whom to work. I’m making time to deliver Premier Customer Service to you and your friends.

I’d like to stand out from the crowd. That’s why I offer you more information and more real estate knowledge. Please visit my web site at www.JustinCartier.com. You’ll find community information, recent home sales, and thousands of homes for sale. We have all the news and information on real estate. You can even use our dream-home finder to search for homes and get emails when the right home comes on the market.

I’m writing because you may know of someone moving to our area. I can help just about anyone find the right home. Whether buyers have a typewritten list of requirements, a photo of a home style they like, or really has no specific requests, I can help them find their way to their new home. I pride myself on delivering RE/MAX Premier Customer Service.

With your help, I can help create another successful move. Calling me is always the right choice. The greatest compliment I can receive is a referral!

Justin Cartier

(866)942-8100

(207)460-2460

Don’t Shovel till it Stops Snowing

“Cleaning your house while your kids are still growing is like shoveling the walk before it stops snowing.” Phyllis Diller

“Oops! I spilled!” Do you know how to clean up a spill from your beautiful carpet? Whether it’s a child’s spilled milk or an adult’s goblet of red wine, the first and most important step for preventing a spill from turning into a stain is by blotting up as much moisture as you possibly can.

If there are solids, scrape them up and blot with lots of clean towels. Paper towels work well. Here is one key pointer. Do not rub! If you’re thinking of using spot remover, wait until you have thoroughly blotted the area. You probably know that club soda is an instant spot remover. Pour a little on the spot, wait a few seconds, and blot the area.

While you are waiting for the spot to dry, if you’d like the latest real estate news, or to check recent home sales in your area, please visit my web site at www.JustinCartier.com. You’ll see that we’ve taken the time to prevent problems in buying or selling real estate by providing the most current information the real estate marketplace.

I promise that when you invite me over to talk about buying or selling real estate that I’ll deliver RE/MAX Premier Customer Service. And I’ll be neat. No spills!

10 Ways to Boost Curb Appeal

Do you have a home that desperately need help in the curb-appeal department? If so, Justin Cartierof RE/MAX Advantage Realty Group, here are solutions that can spruce up any home exterior.

Here’s Justin’s top  10 tips on curb appeal:

1.Take a fresh look. After living in a house, it’s easy – and convenient — to stop noticing what needs fixing. For sellers in denial, Justin, known for his tough-talking approach to real estate, shows the seller pictures of competing homes, and says: “Buddy, if I were a buyer picking which home to see, yours would come in last.”

2.View your house as a portrait. Create a composition where everything – hardscape, softscape, entryway, exterior walls and roof — works together. Have the big picture before you proceed.

3.Green up the grass. If it’s brown, or has bald spots, fix it. While you’re at it, prune, weed and clean up the rest of the yard.

4.Fill flowerbeds. Plant flowers and shrubs that will look good now and later. That is, after summer annuals go, have something in planters that will bloom or change color in fall. Tier planters so taller shrubs are in back, smaller ones in front.

5.Refresh paint. If you can’t afford to paint the whole house, at least repaint the trim. Make doors and windows pop. “If a buyer walks up to a door that’s beat, they think, ‘This is a project house.’” That can kill a deal.

6.Color it carefully. Pick a palette that conforms to the neighborhood yet sets your house apart — a fine but critical line. “Neutral isn’t the same as boring,” says Justin, adding, “Don’t be that house where people drive by and say, ‘What happened here?’”

7.Revisit your approach. Design a welcome path from street to door, which should be the focus. Punch up walkways and driveways. If replacing them with good-looking pavers is out of the budget, add a stone or brick border. Fix or replace uneven or boring walkways.

8.Add polish. If your outdoor light fixtures look weathered, or your door handle looks worn, repaint or replace them. Shiny, new metal makes people say, “Oooo.”

9.Tend to the little small stuff. Simple details like new address numbers, a new doorbell, a handsome mailbox and a fresh doormat say you care.

10.Add an element. A pediment over the entry, an upgraded front door, a cover over the porch, or some columns can add major drama for less money than you’d think.