Today’s first second speaker was Joan Brown of JB Decorating and The Design Coach in Denver, Colorado. Joan has been decorating homes around Colorado since 1986 when she retired from teaching. Joan wanted to do a show n’ tell for us today about the Hunter Douglas line of blinds, window shades and shutters. Joan has been working with Hunter Doulas for many years and loves their commitment and the quality of the product. The Hunter Douglas lines of shades and shutters have been the leader in innovation and have a lifetime guarantee on any product. Since the beginning of the green movement Hunter Douglas has been committed to innovate and reduce not only their carbon footprint but yours as well. With the insulation innovations in their blinds it allows the shades to harness the sunlight or block it out to reduce the need to heat and cool your home. Hunter Douglas started Green Guard within their company to reduce their carbon footprint with their factories all in the United States and a couple in Canada; they started a facility-directed Environmental Sustainability effort. Starting this program show the Hunter Douglas commitment to implementing best “green” practices within the company to maximize energy efficiency, waste reduction and ultimately reducing the company’s carbon footprint. Hunter Douglas had an Environmental Baseline Assessment Audit and have implemented an aggressive plan to reduce their energy consumption by 15%, water usage by 40%, and overall carbon emissions by 20% in three years. Along with their green initiative the Hunter Douglas line of shades and shutters have some many options to create windows that express you good taste and enhance your living space. They will add privacy and light to your space with the style and color of your choice. They offer a wide variety of colors and shapes with energy efficiency and UV protection to protect your carpets. The last thing Joan wanted to discuss with us before the show and tell section of her talk was the operation methods offered with Hunter Douglas – the leading company with risers, the have the standard cords available, however they also offer the Light Rise, which is cordless and you just push up for child safety. Hunter Douglas also offers a motorized unit with remote controls and a cord loop so you won’t have cords hanging where kids and animals can get caught up in them. Joan showed off all of the various shade designs that Hunter Douglas offers. They include the Silouette – these have soft fabric vanes suspended between sheers to diffuse the light, the Nantucket – soft window shadings and a value product, the Luminette – vertical vanes between sheers and are perfect for large windows and sliding glass doors, next was the Pirouette – a horizontal shade with fabric vanes that expand to filter natural light, the Duette Architella Honeycomb Shade – just as the name implies they are honeycomb shaped and is their most energy efficient product, the Vignette – their version of the modern of the Roman shade that rises into it’s own cassette head rail for a very tailored look, and a line of designer screen shades to complete your look. Lastly, Joan wanted to cover the wood product lines offered through Hunter Douglas that include the Provenance Woven Wood Shades – these products offer a natural look with finishes of natural woods, reed, bamboo and grasses, the Skyline Gliding Wood Panels – with 6” or 12” wood slats these are perfect for large windows or doors, the Parklane Wood Blinds – these have four slat sizes for the perfect look and the TopShield finishing, and lastly the Hunter Douglas Shutters – which has 3 varieties – the Heritage – made from solid hardwood and the most expensive, the Newstyle Hybrid – a combination of wood and vinyl and comes in white tones only, and the least expensive Palm Beach Polysatin – a full vinyl shutter, comes in 5 shades of white and is the least expensive. If you need a designer that can bring your style to life and knows how to pull all the elements together including the window coverings give Joan Brown from JB Decorating a call and let her pull your space together!!

Joan Brown  •  JB Decorating and The Design Coach  •  303-399-6208  •   joancbrown@q.com

Our second speaker today was Denise Wing, owner of Academy National Mortgage in Lakewood, Colorado. Denise spoke to us today about refinancing – is it the right time for you to do it.

WHO SHOULD REFINANCE, WHAT & WHEN?

 

NOTE: When a person hears it is a great time to refinance, it is also a great time to purchase if one is in the market for their 1st home or replacement home, 2nd home or rental property to add to one’s real estate portfolio.

WHO:

Persons that own any kind of real estate – primary home, 2nd home, rental property 1, 2, 3 or 4 unit.

WHEN:
1.      When rates have declined enough to make sense
2.      When equity has increased significantly to remove mortgage insurance on a conventional loan
3.      When a person can switch from FHA to Conventional & lower or remove the monthly mortgage insurance.
4.      When equity has increased significantly to allow for cash out for remodeling, paying off credit cards or other debt that carry higher rates.
5.      When there is a need to remove a borrower from the current loan
6.      Don’t wait to catch the bottom – could miss it all together
7.      ONLY when it makes sense.

If you are considering a refinance and are looking for the right mortgage lender give Denise Wing and Academy National Mortgage a call. Denise will work with you to find out if this is the right time for you.

Denise Wing  •  Academy National Mortgage  •  303.987.0622  •  dwing@academynational.net   •  www.academynational.net