The Bank of Mom and Dad Becoming More Popular For Young Buyers Tight on Cash

With sky high housing prices, strict credit requirements, and mounds of student debt, it can be tough for parents to cut the financial cord to their adult kids.

More and more young homebuyers are relying on friends and family to scrounge up enough cash for a down payment for a home. This number tripled during the recession of 2008 since before the housing crisis, where 21 percent of homes were purchased with a loan or gift as the down payment. That number was only 8 percent before 2008’s economic debacle.

First-time homebuyers who purchased in the years following the recession were approximately twice as likely to have tapped into friends and family for a down payment compared to those who purchased after the recession. In 2014, one-quarter of the middle-income homebuyer demographic used money from friends and family to put towards a down payment.

Personal Savings Pose a Real Challenge

In addition to all the obstacles that homebuyer hopefuls are facing these days, a major one is a shortage in sufficient savings. In order to buy a home, first-time homebuyers need a sizeable chunk of change to put down on a house, which can be downright difficult these days. Rising rents and housing prices, high student debt, and weak economic and income growth are making this even more challenging. This is precisely why an increasing number of buyers are turning to their moms and dads for some financial assistance.

While homebuyers can put as little as 5 percent down for a conventional mortgage, it can still be a huge amount of money to be able to gather. For instance, even a $250,000 home would still require $12,500 as a down payment – an amount that isn’t feasible for those still paying off their student debt. And the smaller the down payment, the higher the monthly mortgage payments would be.

Not only that, but any down payment less than 20 percent of the purchase price would mean that private mortgage insurance (PMI) would be required. That’s just an added expense that cash-strapped young homebuyers don’t need. The smaller the downpayment and lower the credit score, the higher the PMI rate would be.

The increasing importance of loans and gifts in the home-buying process highlights the challenge of securing a decent down payment for younger homebuyers.

Loans and Gifts For Down Payments Differs Across Ethnic and Income Demographics

It’s important to note the difference in reliance on down payment help from family and friends across ethnic and social income groups. As far as ethnicity goes, Asians are far more likely to receive a gift from family and friends in the form of a down payment – 23 percent, to be exact – compared to non-Hispanic blacks who are least likely (7 percent) to receive down payment help in the same form.

Middle-income earners were most likely to receive down payment assistance, compared to those in the lowest and highest income earning brackets (15 percent and 16 percent, respectively).

Borrowing from the “Bank of Mom and Dad” does not seem to be losing steam, and will likely continue for those who are having a tough time trying to gather that 20 percent down payment. For those who don’t have such resources to take advantage of, there are other creative mortgage options available. Speak with your mortgage specialist to find out if any of them could work in your favor.

The 5 Best US Cities to Raise a Family

Whether you’ve already got kids or are considering having a family some time in the near future, you may have a move in the mind. After all, you ideally want your children to be raised in a safe, healthy, economically stable environment. When it comes to great schools, low crime rates, and plenty of opportunity for employment and extracurriculars, the following make the list for the 5 best cities in the US to raise a family.

Greenwich, CT


Not only is it one of the most affluent cities in the country, Greenwich is also one of the safest. In fact, the city is listed in the top five safest cities in the US, which moms and dads everywhere would appreciate. Greenwich is also home to an impressive school system, as well as limitless places for children of all ages to enjoy their spare time, both with their peers and with their families. Located in the heart of Fairfield County, Greenwich is home to an energetic culture that is made up of plenty of upper middle class neighborhoods, many of which are considered among the richest in the country.

Intertwined among these fabulous communities is a myriad of cultural gems, including a natural history museum, a symphony orchestra, and a choral society. And for parents that like living in more spacious suburbs but still need to commute to NYC to work, there’s a train that takes commuters directly from Greenwich to Manhattan’s Grand Central Station in under 45 minutes.

Franklin, MA

If you’re looking for the absolute safest city in all of the US, look no further than Franklin, MA. The east coast city, which has a population of about 35,000 residents, has the lowest crime rate of the 100 safest cities in the US, making it a fantastic choice for those who are raising a family. The school system is an excellent one, with a large number of students from the city’s Franklin High School regularly getting accepted to Ivy League schools and other top universities throughout the country.

The extracurricular activities in Franklin are a favorite among growing kids, offering seemingly endless opportunities for sports and recreational activities. The Feast of St. Rocco is among the city’s most endeared attractions, and involves four straight days of festivities that both children and their parents can enjoy. Only 40 years ago, Franklin was a rural farm town, a far cry from what it is today – a city that offers residents a greta housing market and a safe haven within which to raise a family.

Irvine, CA

The Golden State isn’t just home to celebrities and the Hollywood type. It’s also got a number of wonderful cities where parents can gleefully raise their kids. Enter Irvine, CA, which boasts a healthy economy with a never-ending supply of jobs – good news for working parents.

It’s also got and the lowest crime rate of all US cities with over 100,000 residents. In fact, a publication of Wall Street Journal praises Irvine as the “Best Run City” in the US. The city is home to a number of parks, public libraries, and even the well-loved Irvine Global Village Festival, an event that celebrates the diverse cultures of the city’s population.

Keller, TX

Keller is an prosperous city in Texas with a population of approximately 45,000 that’s only 32 miles north of the Fort Worth area. The city is known for having a particularly low crime rate – it’s 73% lower than the average in the state, and 68% lower than the overall average across the country. Keller has an excellent school system, with two of the city’s four high schools considered among the best in the entire country.

Keller is also known as one of the “Nation’s Richest Cities,” and is in driving distance to the economically powerful city of Dallas, where the employment landscape is ideal for those looking to commute for work. Keller is pretty much the perfect southern city to raise a happy, safe, and stable family.

Boulder, CO

Families who enjoy the great outdoors should look to the state of Colorado, and more precisely, Boulder. Who else wouldn’t enjoy waking up every morning to the glorious sights of the Colorado mountains, combined with an intellectual economy that’s supported by one of the greatest universities in the country: the University of Colorado Boulder. The state itself has frequently been touted as one of the top in the nation for excellence in school systems, and Boulder’s boasts many of the very best.

Parents will like hearing that the crime rate in Boulder is pretty low for a large city – it’s definitely well below national average. Boulder one of the best places to raise a family, and expose children to an intellectually-driven and diverse culture.

When it comes to low crime rates, exceptional schools, great housing markets, and strong economies, these 5 cities have it all. If you’re considering making a change to raise your kids in a healthy environment, these cities should be on your list.

Turn Your Property Into a Dreamy Airbnb Destination

Just as Uber has revolutionized the transportation market, sites like HomeAway and Airbnb have dramatically changed the way travelers search for accommodations. Vacationers are no longer forced to rely on hotels when they need a place to stay while on the road. Homeowners across the country simply rent out their own homes to travelers. Airbnb even allows homeowners to rent only part of a residence to a fellow Airbnb member.

If you’re considering renting out your home using one of these services, there are several things you’ll need to do before you get started. These steps will help you get ready to welcome a stranger into your home without offending your neighbors.

Determine Viability

If you’re considering listing your property on Airbnb, the first step is to make sure there’s regular interest in accommodations in your area. If your city sees heavy tourist activity, you’ll likely have a winner. If you depend solely on the occasional business traveler or a few annual events, only you can determine whether it’s worth it. Search for similar properties in your area and make sure the market isn’t oversaturated.

Check Local Restrictions

Unfortunately, for many homeowners, vacation rentals are not an option. Many cities limit transient rentals to hotels and inns that hold government-issued licenses. If it’s allowed in your city, your homeowners’ association may prohibit it. Even once you’ve determined that legally you’re okay, make sure your option to rent all or part of your space won’t upset your neighbors. Consider where guests will park and make sure you have sufficient space for at least one extra vehicle.

Create Your Private Space

If you plan to remain in the home with the guest, you’ll ideally have a separate area that will give both yourself and your guests privacy during their stay. In the best case scenario, your guests will have a separate bathroom and bedroom at the very least. If you can’t provide this privacy for yourself, make sure you’re prepared to share a bathroom and other living spaces with strangers on a regular basis. Whether you’ll remain in the home or not, you’ll still likely want to add locks to closets, rooms, and cabinets that you’d like to keep private from guests.

Stock Supplies

Airbnb suggests that hosts provide clean linens, towels, and basic amenities to guests, so before you put up a room for rent, fully stock a closet with the items a guest will need. Travel sizes of items like shampoo, toothpaste, and shower gel will add a nice touch. Also consider how you’ll handle cleaning up and changing linens after your guest leaves. This will add additional work to your already busy schedule unless you choose to outsource it to a professional cleaning service for a fee.

Airbnb is a great way for homeowners to make a little extra money by renting rooms that aren’t being used. It’s important that homeowner determine a property is a good fit for Airbnb, while also reading over the site’s Responsible Hosting Recommendations, before making a final decision about being a host.

Should You Take Your Home Off the Market if it Isn’t Selling?

In a strong seller’s market, homes that are priced right and show nicely typically sell within the first four weeks of being on the market. If this time frame comes and goes with no successful offer, sellers will most likely become frustrated, and even start contemplating the possibility of just taking the property off the market for a little while and try again some time in the near future.

The truth is, you can realistically sell your home in any market, if you get yourself a solid real estate agent and use a few proven tactics to garner more serious interest in your home.

So, should you take your home off the market if it’s not selling?

Before you make such a major decision, have a look at a few reasons why your home isn’t selling first.

The Listing Price is Way Off

Lots of homeowners hold emotional ties to their properties and genuinely think that their homes are worth more than they really are. And of course, everyone wants to get as much money from the sale of their home as possible, and demand that their agents slap a hefty price tag on the listing.

Unfortunately, nothing will cause a lagging listing more than a listing price that’s too high for the current market. If your home’s been sitting on the market for weeks – or longer – without a nibble, the first thing you should do is look at the listing price and determine whether or not it’s too high.

If so, it’s time to shave a few bucks off.

Your real estate agent will be able to pull a report of the recent comparable sales in the neighborhood. Be sure that you ask no more than 5 to 10 percent over the previous top selling price. And don’t have the most expensive listing on the block, either – buyers are looking at the same comparables, so you don’t want to scare them off before they’ve even seen your property.

Price point is critical – if you don’t price your home properly, you’re pretty much asking for a stale listing.

Your Home Doesn’t Show Well

Aside from setting an accurate price point, making sure that your home is properly staged is absolutely essential. Nobody wants to pull up to a home with overgrown weeds and pet excrement in the front yard. Nor do they want to walk inside and see yesterday’s laundry piled up on the couch, or a stack of dirty dishes piled up in the sink.

Granted, these scenarios are pretty outrageous (though they do happen), but even simple things like a cracking door, broken window blind, or orange walls will throw buyers off.

Take a second gander at your home and make sure that you’ve tackled everything as far as staging is concerned. Is the lawn well manicured? Is the house clean and tidy? Are the colors neutralized?

Don’t leave your home in the morning without making sure that all beds are made, dishes are washed and put away, and counters are clear. You just never know when a last-minute showing is booked, giving you no time to run back from the office to clear the place up before the buyer show up.

When in doubt, have your home staged by a professional home stager.

The Place is Outdated

Houses that feature outdated kitchens and bathrooms will usually sit on the market longer than more modern properties, or even wind up selling at a lower price.

It’s possible that your home may need some upgrades, but you’ll also need to be realistic with both your time and your budget. Make sure that whatever money you’re spending is a wise investment.

The rule of thumb is to avoid huge projects that will be super expensive. Perform as many small home improvements as you realistically can, and look for improvements that will most likely make your home move-in ready as far as potential homebuyers are concerned.

Typically, the most valuable home improvements include painting, replacing or refacing a worn-out front door, touching up faded siding, refacing kitchen cabinets and countertops, and replacing hardware in the kitchen and bathroom. You probably won’t recoup as much of the cost if you add a bathroom, sunroom, or gutted the kitchen.

Don’t Put a Cap on Your Options

If you’ve absolutely tried everything, and your home still isn’t selling, consider hedging your bets and putting your home up for sale and for rent at the same time.

If you’ve already vacated the property, or need to relocate soon, maybe renting out your home could be a realistic approach. That is, of course, if your finances support such an option.

Putting the house up for rent and for sale at the same time can give the potential clientele a trial rental period. Perhaps your particular market is experiencing a temporary slowdown, but the rental market is really strong. If you’re able to carry two mortgages, you could allow your home to act as an investment property while buying time until next year when the market has (hopefully) picked up for sellers.

In the meantime, let the renters pay your mortgage for you while your home continues to build equity. If you find a renter and get a lease signed, your lender will be much more likely to approve you for second mortgage to keep the home while you start your life elsewhere.


Make sure you exhaust all efforts to make your home as attractive as possible – both esthetically and price wise – and get yourself a skilled real estate agent on your team. Sometimes all it takes is a temporary time-out from the market to make a few tweaks to the place and the listing, then put it back up on the market in a few weeks to get a fresh start.

8 Things in Your House That Deserve an Upgrade

No home is perfect. Even after buying a brand new home, homeowners often see things they’d like to change. Fortunately, if they stay in those homes for a while, they’ll likely make a few upgrades to make it their own.

However, completely redoing an entire room can be expensive and that expense doesn’t always pay off when the homeowner sells. Here are a few upgrades that aren’t quite as expensive as a complete room renovation that might pay off when the home goes on the market.


If you get the recommended amount of sleep each night, you’re spending around eight hours every day on your mattress. Invest in a high-quality mattress that gives your body the support it needs. This guide can help you find the perfect mattress for your own specific needs.


Thermostats have advanced dramatically in recent years. You can upgrade to a unit that will learn your family’s heating and cooling schedule or you can purchase one that you program. This small upgrade can help you save money on utilities each year.

Shower Head

Why settle for a standard shower head when you can exchange it for a newer version that simulates rainfall or has a larger coverage area. Many of the newer shower heads use low-flow water rates, saving homeowners money on their water bills each month.


Depending when your kitchen was last upgraded, you may be dealing with outdated appliances. Do an inventory of every appliance in your home and determine any upgrades that could bring more convenience. Occasionally every homeowner will need to replace his refrigerator, oven, stove, dishwasher, microwave, and toaster, as well as his washer and dryer.


A little light goes a long way in making a room more visually appealing. Inadequate lighting can lead to discomfort and eye strain for those living and staying there. By making small changes to a room’s lighting, a homeowner can reduce that strain and make the room look better. In addition to replacing ceiling lights inside the home, consider upgrading your landscaping lighting, as well.


No matter where you live, you’ll likely feel your closet space is inadequate. Consider upgrading the shelving and storage in your closet to make it easier to squeeze more items in without sacrificing organization. With a few basic changes, you can double the space in your closet at minimal expense.

Ceiling Fans

Ceiling fans serve the purpose of improving airflow in a home, but they also add to a room’s visual aesthetics. Upgrading a ceiling fan can be done in mere minutes at a budget-friendly cost. Look toward the ceiling in each of your rooms and determine if a small ceiling fan upgrade can make the room look much better.

Laundry Room

Upgrading your washer and dryer can make a big difference in the look of your laundry room, but there are other things you can do to make the area more functional. Add shelving and cabinets to give yourself plenty of area to work with while you’re washing, drying, and folding laundry.

With a few simple changes, you can make your home feel brand new. These upgrades can be completed at minimal expense but they’ll have maximum impact.

How Much of an Effect Does Student Debt Really Have on Home Ownership?

College kids aren’t just coming out of school with a degree; they’re also leaving with a heap of student debt.

But while college grads may be strapped with a few years of student loan repayments ahead of them, that doesn’t necessarily mean that the debt should be an obstacle to getting approved for a mortgage.

Of course, there are a few other factors that will play a part in whether or not a stamp of approval will be granted, such as employment history and credit score.

What Do Lenders Really Care About?

Three metrics typically come into play wen lenders are deciding whether or not to approve or deny a loan application:

▪          Credit score

▪          Income compared to expenses

▪          Employment history

Let’s have a look at each in more detail.

Credit Score

Even if you have a ton of student debt that you still need to pay off, that doesn’t mean that your credit score necessarily has to suffer. As long as you are making your monthly payments in full and on time every month, your credit score should be healthy (as long as you’re doing everything else right).

Lenders will usually feel more comfortable loaning out a big chunk of change if your credit score is 750 or higher. To have a score like this, it means you’ve been making all of your payments promptly and have a solid history of using your credit. The last thing you want your potential lender to see on your credit report is a string of late payments, collections, or even bankruptcy.

This goes for your student loans too. If you want to boost your chances of getting a mortgage, make sure you’re always paying your student loan on time.

However, forbearance will have a negative effect on your credit score. Forbearance (or ‘deferment’) allows you to put a temporary halt on making your federal student loan payments, or temporarily decrease the amount of money you pay. If your student loan is in forbearance, it’ll reported to credit bureaus as a non-paying debt, which will do nothing but cause your credit score to plummet.

This doesn’t mean that lenders don’t mess up from time to time. In fact, according to the Federal Trade Commission (FTC), about one in four consumers find errors on their credit reports that could negatively affect their credit scores. That’s why you should always pull your credit report before applying for a loan to see if there are any mistakes that should be rectified. If you find anything incorrect on this report, the credit bureaus are obligated to investigate.

Income and Expenses

One thing that lenders take a good hard look at when scoping out potential borrowers is all the expenses in relation to overall income. They want to make sure that you can easily and comfortably afford to continue to pay off your current expenses, in addition to taking on additional debt.

To figure this out, lenders will usually look at a couple of equations:

Debt-to-income ratio – Basically, this fancy number represents nothing more than your monthly gross income that is dedicated to paying off current debts (along with taxes, fees, and insurance). More simply put, it’s the amount of debt you’ve got compared to your overall income, and is expressed as a percentage. Lenders usually like to see borrowers with a debt-to-income ratio of no more than 36 percent – the lower, the better.

Payment-to-income ratio – Also expressed as a percentage, your mortgage should ideally not exceed more than 28 percent of your total income. Any higher than this number could flag the lender to hesitate further burdening you with added debt.

Your student loan debt could have an affect on how your lender believes you’ll be able to pay a mortgage. If your total debt payment (your student loan, mortgage, and other miscellaneous debts) are calculated to be more than 36 percent of your income, you can probably assume that a mortgage won’t be approved. But if you can keep it under this number, you have a shot at approval.

Employment History

An important factor that lenders will look at before approving you for a mortgage is your employment history. They want to know that there is a stable source of income that’s readily available to pay the mortgage off every month. While some lenders are pretty stingy and want to see at least two to five years of work experience in the same industry, other lenders are satisfied with at least one year to help determine your regular income.

This is a toughie for recent college grads who haven’t had enough time to accumulate this much work experience. That’s why graduates might want to consider renting for a few years first. This will provide the opportunity to continue to build good credit by paying the rent on time and every month. Lenders like to see history like this before approving anyone for a mortgage.

However, if you’ve been working for a few months after graduating, and have maintained a steady job throughout school, this may count for something if you’re considering applying for a mortgage right out of the gates.


Student loans on their own won’t prevent you from getting approved for a mortgage, despite what many might believe. Other factors also come into play, including your credit history, your income, and your total debt amount. If these numbers are pretty healthy, and you’ve been pretty responsible with managing all your debt, there shouldn’t be anything standing in the way of getting a mortgage.

These Halloween Window Decorations Will Make Your House the Spookiest House on the Block

Halloween brings out the kid in most homeowners, from costume parties to trick-or-treating with their own children. Fully participating in the festivities can be expensive, however, and it seems no matter what decorations a homeowner chooses, everyone else in the neighborhood is doing something similar.

Window decorations can be a great way to express your Halloween spirit from the inside of your house out. Whether used in combination with yard decorations or alone, these festive decorations will make Halloween night a little more fun for everyone who visits.

Window Decals

Gel clings are easy to apply, easy to remove, and they make your house look great. You can find them at most party supply stores and choose from a variety of options, including full-window clings or small clings that you can distribute between the many windows in your house. With the right window clings, when the lights are turned on behind them, the decals will make it look as though creatures, ghosts, and ghouls are actually inside your house.

You can take the frights on the road with the same window clings for your vehicle. Just place the window decals on a back window or anywhere else you want them, then remove them once the season is over.

Bloody Handprints

Bloody handprint stickers can make a home look as though bloody handprints have touched its surfaces. This might not be the best option if you’re concerned about scaring young children, but for parties and neighborhood get-togethers, these stickers can be a great way to add a little fun to the festivities. Bloody handprint window clings are also available at party supply stores.

If you want to tackle the project on your own, you can make DIY bloody handprints using glue, plastic wrap, and food coloring, along with a few other household items. It might be a fun project for older children, who will get a kick out of creating something creepy for the house.

Bloody Candles

Window candles are popular during the Christmas season, giving a home a festive, warm look. You can start the fun early by placing fake candles with blood in the windows of your home. They might look less than authentic up close, but your outside visitors will only be able to see the glowing red at the top of the candle when placed in the window.

If you have a window where it’s safe to light real candles, you can create your own bloody candle by melting the wax from a blood red candle onto one that is white. This project allows you to control the look of the bloodiness of the candle, making it a fun project. This is ideal for deep windows with plenty of ledge space

Finding a unique way to make your home look spooky for Halloween can be challenging. With these ideas, you can spice up the front of your house, capturing the attention of trick or treaters and passersby both before and during the scariest holiday of the year.

Buyers Are Now Armed With More Detailed Information Thanks to New Mortgage Disclosure Rule

As of October 1st, home buyers will be armed with more information about their mortgages, and will be given more time to review their mortgage rate and fee quote documents.

Right now, the law requires borrowers to fill out two disclosure forms when applying for a home loan. In addition, two forms also need to be completed on or just before closing. These forms were intended to protect borrowers from fee abuses, and have been around for a while.

The Truth In Lending Act (also known as TILA) is designed to protects borrowers from being blindsided by unknown closing costs by regulating how mortgage fees and conditions are calculated and communicated.

The Real Estate Settlement Procedures Act (also known as RESPA) protects borrowers from being victimized by unnecessary real estate transaction expenses by preventing various housing services from paying each other money in exchange for customer referrals.

Currently, borrowers are required to receive a Good Faith Estimate and an Initial Truth In Lending disclosure within three days of applying for a mortgage. This disclosure document outlines the quoted interest rate on the mortgage, terms, and total fees over the course of the loan.

Lenders also have to provide borrowers with a HUD-1 before closing. This form stipulates in detail all the fees associated with the real estate transaction, including exactly how much money will be needed to close on the transactions, and the final Truth In Lending disclosure.

Simplifying the Process With the New TRID Rules

While this information is very helpful for consumers, it can be rather complex to figure out. Not only that, but consumers may be too late to make any adjustments after comparing the initial Good Faith Estimate and an Initial Truth In Lending disclosure to the final HUD-1.

The Consumer Financial Protection Bureau (CFPB) has taken over these regulations, and combined them to form the TILA-RESPA Integrated Disclosure Rule (TRID) which will take effect October 1st this year. The process is made simpler under the new TRID rules with the merging of the Truth-in-Lending form and the HUD-1 form to create The Closing Disclosure, a unified 5-page document. Only the buyer will receive the Closing Disclosure.

These new disclosures are aimed to provide borrowers with much more detailed information about their mortgage packages, and will give borrowers a lot more time to review them. Consumers are to receive a Loan Estimate Form within three days of applying for a mortgage. This form outlines the breakdown of fees, interest rate, amount of money necessary to close, conditions, and costs over the life of the loan.

Consumers will then receive a Closing Disclosure Form a minimum of three days prior to closing. This form is very similar to the Loan Estimate document, but also differentiates the expenses paid by the buyer, seller, and other parties involved in the transaction. This gives borrowers more time to go over the final terms of the mortgage. But because of such an extension of time to go over these documents, the closing process will also take longer to complete.

Fee Disclosure

Borrowers will have the advantage of greater transparency in accurate disclosure of all fees associated with their home loan. After the borrower applies for the loan, lenders will have to disclose these numbers.


Since the fees will be alphabetized and categorized, it should be easier for borrowers to compare estimates between mortgage lenders. Loan Estimates (LE) expire after 10 days, but buyers are not obligated to continue the transaction. However, once the borrower decides to proceed, the fees are then locked in.

If you’re planning on applying for a mortgage in the near future, be sure to speak to your mortgage specialist to find out exactly how these new rules will affect your home loan process. While home buyers should anticipate a 3-day delay in closing, the new TRID rules should improve the overall mortgage and closing process.

How the Rococo Design Trend Is Making Even the Smallest Homes Look Ornate

Home décor goes through phases, often inspired by past design periods. Homeowners seem to always be looking for new ways to bring classic looks back, whether those looks come from 100 years ago or 300 years ago. But it can be difficult to come up with new ways to honor the past, since everything seems to have been done before.

One of the latest trends is bringing back an artistic period in European history, making everyday homes look royal. Called rococo, this design style can be seen in some of the best-known palaces, castles, and attractions around the globe. And now it’s gradually beginning to appear in homes, condos, and apartments across America.

Classic Interiors

The biggest issue for many homeowners will be cost. Rococo furniture can be extremely costly, which explains why it has been traditionally found in only the homes of the wealthiest people. But the popularity of the look has led budget designers to attempt the look, with furniture and knickknacks available from discount retailers like Walmart and Wayfair.

If you want a more authentic look, you may be able to find the look you want at estate sales. You could also check eBay, which has a Rococo Furniture section, and Craigslist. You may even be able to find some Rococo furniture at antique stores, although you may need to put some work into refurbishing the pieces you find.

The Look for Your Home

Rococo is often seen in large rooms with high ceilings, but it can work in small rooms, as well. The important thing is to ensure it blends with the rest of the room’s décor, so it may be necessary to work around it. Users have posted some furniture on Pinterest that would work even in small spaces, provided the rest of the area was minimalized.

If you choose a large, ornate piece of furniture like a bed or sofa, it’s important to ensure the rest of the room is minimalized to avoid a room full of pieces that war for attention. In a small living space, one eye-catching piece might pack more of a punch than a roomful of extreme items.

The Basics of Rococo

As this designer points out, there are three major elements to rococo: curved lines, exoticism, and forms suggesting rocks or shells. Eighteenth-century rococo furniture featured patterned fabric and carved rosewood or mahogany wood. More contemporary versions of rococo may attempt to recreate that but will likely be much less detailed, mimicking the shape and style of the furniture with simpler fabrics and less expensive wood.

These chairs are an example of how contemporary designs have aspired to make furniture with the curves of rococo. However, if a homeowner wants the true rococo look, it might be necessary to shop higher-end furniture stores or antique stores for the real thing.

Rococo is an exciting design trend that will likely always have a place in upper-class homes. However, the new trend allows the look to incorporate into any home, whether it’s a small apartment or a suburban two-story family home.