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Southern Maryland Kitchen Bath Floors & Design

November 17, 2025 by Southern Maryland Kitchen Bath Floors & Design

Timeless Interior of A Stylish Kitchen

Designing a timeless kitchen requires a careful balance between elements that are trending now and those that will remain appealing in 5-10 years. Many who want to redesign their kitchens worry that their upgrades will not be solid investments because of a lack of long-lasting appeal. For homeowners and designers, kitchen functionality serves as a strong anchor point for designs since flow and function in a kitchen are welcome design choices in every era. 

This article goes over the design elements that stand the test of time. Home design trends can be satisfying to follow. Still, experienced designers and contractors help homeowners achieve their individual visions for kitchen spaces so that their choices hold value, stand the test of time, and look good forever.

  1. Embrace Neutral Colors for Maximum Comfort

Every year, popular paint brands unveil their latest “colors of the year,” suggesting that anyone stuck with last year’s colors is now outdated. However, if these trends are mapped over years and decades, one truth remains: neutrals never go out of style. Gray, taupe, white, beige, or the current favorite, “greige,” gives a kitchen space an unintimidating energy that goes well with any floor, counter, furniture, or fixture.

Neutrals can lean cold or warm, but the most significant factor is to embrace the softness and pair it well with classic palettes. Light blue with white or off-white, for example, remains a classic color pairing that never goes out of style.

  1. Mix Stylistic Eras to Mitigate Change

One of the easiest ways to create a timeless kitchen is to mix eras of design. Many designers and owners make the mistake of adhering to a single era for the sake of consistency. However, once that era goes out of style, the whole kitchen becomes dated. Many timeless kitchens strive to assemble a combination of eras that resists change, such as by mixing vintage-style appliances with modern cabinetry, or matching a new neutral color scheme to Mid-Century Modern millwork.

  1. Statement Tile Can Be Impressive

Statement tile can create a bold accent in any kitchen, such as an ornate backsplash that contrasts with the cabinets or highlights the appliances. However, statement tile fixtures can be overdone, especially if the pattern is dated. Tile accents that adhere to a stylish palette, especially in modern neutrals or purposeful accent colors, will never go out of style.

  1. Simple Cabinetry Transcends Time

Modern Kitchen with White Cabinetry

Cabinetry is a focal point of kitchen redesigns and a major cost factor. When faced with this significant decision, many owners and designers opt for ornate cabinetry, which goes in and out of style. However, simple cabinetry always looks classy. When combined with stylish modern materials, it can create a timeless feel. Shaker and Craftsman-style cabinets with traditional flat fronts and rich, warm wood tones will always look like home.

  1. Be Careful With Overusing Wood

Though wooden cabinetry is warm and inviting, too much wood, especially in a single color, grain, and finish, can make the kitchen seem dated. Kitchens done in dark, uniform mahogany recall decades-old design trends that may not always look classy. To avoid rustic transforming into redundant, use wood as a smart accent rather than a major theme, varying the grain and finish to maximize visual interest.

  1. Natural Stone Counters Combine Beauty and Durability

Natural stone materials such as quartz and granite never go out of style. They pair well with light, dark, and neutral cabinet and floor colors, and remain durable additions to kitchen schemes even over decades of change. Sleek, functional, and natural stone will always be a sign of luxury in any kitchen space.

  1. Incorporate the Ceiling for Maximum Impact

Kitchen ceilings often go overlooked, but they can be used to the designer’s advantage to add authenticity and true distinctness to the space. Wood beams and other natural palette and material choices can change the shape of the room and pull in the architecture for a more immersive experience.

  1. Natural Lighting Remains Beautiful and Relaxing

Modern Kitchen Design with Lighting

Kitchens are particularly well-suited for incorporating natural light, since they serve as both utilities and social spaces during the daytime. It’s important for kitchen designs to help users maintain their flow with interesting visual paths and cues. The layout should feel spacious, even if the actual floor plan is small. Incorporating windows, skylights, or warm statement lights can help give kitchens more utility while making users feel comfortable.

Create Timeless Kitchens With the Help of Professional Designers

No single design trend or piece of advice works in every kitchen and in every era. Homeowners and designers should make their decisions with a clear and carefully planned vision to create a space that makes them feel comfortable. However, resale value and other concerns often drive owners to chase trends without realizing that today’s trends are the antiquated renovations of tomorrow. These timeless choices can help mitigate the risk of dated designs by offering simple ways to embrace both classic and modern trends without sacrificing functionality.

At Southern Maryland Kitchen & Bath, our team of designers and in-house contractors personalize kitchen designs for the needs of each space and the intentions of each homeowner. Beyond any singular trends, distinct charm and functionality will always remain timeless.

Contact our team today to learn how the right renovations can help you realize the timeless potential of your kitchen.

Filed Under: Kitchen

October 13, 2025 by Southern Maryland Kitchen Bath Floors & Design

Customized Kitchen Design with White Cabinetry

Kitchens have become the beating heart of the modern home. They’re the cooking space, workspace, and social focal point wrapped into one room. For different lifestyles, kitchens can be adapted to fulfill these roles more effectively, and the approach a designer takes to each specific element can drastically affect the space’s ability to support residents’ desired routines.

This article takes a closer look at modern custom kitchen designs to offer homeowners strategic ideas for layout, materials, finishes, and features that fit their lifestyle. These steps help designers transform kitchens into the ideal space for their clients’ needs.

  1. Recognize the Advantages of the Space

The first thing a kitchen designer does when customizing kitchens for a lifestyle is examine the space for its advantages. How much available area do they have to work with? What shapes fit the area best? Kitchens can be U-shaped, L-shaped, galley-style, and more. They can use islands of various sizes to break up the area and add utility without using up limited wall space.

This assessment will lead kitchen designers to the options that are available to achieve the homeowner’s vision. If the homeowner uses their kitchen for socializing, the designer will look for ways to incorporate a home bar, which, in a limited space, might take up the room normally reserved for a pantry. Once the qualities of the space are recognized, the designer and owner can work together to decide which features matter the most to their lifestyle.

  1. Assess the Limitations of the Space

Dark Matte Modern Kitchen Design in Limited Space

Assessing the kitchen’s limitations is as important as recognizing its advantages. In a space that lends itself well to an open-concept design, the designer may suggest a one-wall kitchen, augmented by an oversized island. These can also be useful in more contained spaces, especially with high walls. Storage, appliance displays, shelves, and hanging lights can trail up the walls to provide utility while preserving the limited counter space.

When assessing the kitchen’s limitations, the designer will look for features that would be difficult to incorporate. Not every kitchen can fit an island while maintaining a proper functional flow. Designers can create work surfaces in one-wall kitchens, partial islands, and other fixtures instead, if they can achieve the owner’s desired style. Agreeing on these limitations is a significant step toward collaboration between the designer and homeowner as they work together to adjust the vision to fit reality.

  1. Choose the Right Materials and Finishes

While material and finish choices should align with an intended aesthetic, designers also strive to match the owner’s intended lifestyle. The connection between durability, style, and tone in material choices helps designers match the space’s usability to its family’s needs and habits.

For example, the kitchens of busy families often double as workstations, especially if someone in the family is a remote worker. Kids may be coming in and out in the mornings before school, dragging their books and bags across the counters. Laptops may be used on the countertop or island as people write things down, accidentally spill drinks, and more.

This high-traffic use calls for a material with low-maintenance resilience, such as quartz, which is durable and functional. By contrast, marble may be a better fit for kitchens that are more of a social showplace, prioritizing aesthetics. Tile, butcher block, laminates, and other materials all have their uses.

Some questions designers may ask to determine the right material choice for the household may include the number of residents, the typical morning activity, the frequency of social gatherings, and the age of the youngest member of the home. Even the cabinet materials may be changed to accommodate different needs. For example, a glossy lacquer cabinet may be beautiful, but it shows every scuff and fingerprint, which would be high-maintenance for a busy household. Matte cabinet finishes achieve a sleek, modern look without retaining every touch.

  1. Integration is Key

Well Integrated Kitchen Created by Custom Designers

Modern kitchen designers look for ways to integrate lifestyle into design to suit a family’s needs. If technology is an important part of their flow, designers can recommend built-in charging stations, smart appliances, and hidden screens to enhance the space’s usability. If quiet dining or entertaining is prioritized, they may suggest built-in banquette seating with hidden storage to provide amenities without cluttering the space.

Local Design Teams Can Bring Your Vision to Life

Each kitchen deserves a distinct identity, but your family’s lifestyle can help guide the functional and aesthetic choices that make the most sense in your space. Every kitchen space comes with advantages and limitations that designers must acknowledge, work around, and overcome with their choice of layout and materials.

At Southern Maryland Kitchen & Bath, our team of in-house designers and contractors works with homeowners to achieve their intended vision and fit their ideal lifestyle through stylish yet functional design choices. Contact our team today to learn how to express your family’s needs in a freshly renovated or designed kitchen, regardless of its size or other limitations.

Filed Under: Kitchen

October 6, 2025 by Southern Maryland Kitchen Bath Floors & Design

Modern Home Kitchen Remodel with Advaced Features

A home remodel presents an opportunity to enhance the value of the home with high-end upgrades. However, many homeowners wonder if remodeling features advertised as luxury items are worth the cost and labor. Some remodeled fixtures and styles will stand the test of time and improve the lives of people living in the home, while others become outdated as new trends emerge.

We’ve gathered a list of high-end home remodel features that are excellent investments; they elevate the lifestyle of the home while maintaining value beyond the initial trend.

  1. Custom Cabinet Work

Custom cabinetry has a timeless charm precisely because it is customized to the distinct needs of the spaces it occupies. Recent trends in sustainable wood materials, natural wood grains and finishes, and vertical cabinet designs can help homeowners and designers achieve a more modern space without sacrificing its timeless appeal. Decades from now, natural wood cabinets with built-in shelves, inlays, and custom panelling will hold their value while enhancing the daily routines of the home’s residents along the way.

  1. Upscaled Kitchens

The kitchen has always been the heart of the modern home, but recent trends have reasserted it as a multifunctional space for socializing, working, and recreation, making it even more important to design well. Modern upscale kitchens include not only professional appliances and islands but also integrated seating, custom cabinetry, inlays, and other millwork.

Some trending ideas in gourmet kitchens that will retain their value over time include warming drawers, hidden pantries, integrated appliances, built-in shelves, and custom lighting schemes that emphasize work areas, accentuate natural light, and lead to more usable and luxurious spaces.

  1. Luxury Bathrooms

Modern Luxury Bathroom Interior in Grey Colors

Another room that can be remodeled with confidence in the investment is the bathroom, especially in the master suite. Modern high-end bathrooms are more than just functional living spaces for daily routines. They’ve become spa-like, vacation-oriented luxury spaces that combine modern luxury fixtures, millwork, and design trends to create rooms that people will want to use. In the current housing economy, the right master bathroom can sell a whole house.

For example, curbless walk-in showers with tiling or natural stone and premium fixtures can turn an amenity into a centerpiece. Freestanding tubs have taken the place of shower/tub combos as symbols of bathroom luxury. Heated stone flooring, under-cabinet lighting, custom dual vanities, and natural light integration can transform bathrooms into high-end spaces.

  1. Energy Efficiency

Energy efficiency upgrades are popular and desirable remodels that offer practical benefits, including a lower environmental footprint and higher energy cost savings, while also adding emotional value to the home through sustainable living trends. These investments, such as energy-efficient appliances, reworked HVAC systems, LED lighting, natural lighting enhancements, door and window sealing, energy-efficient glass, and more, will remain selling points for many years to come as energy prices continue to rise and homebuyers seek more environmentally conscious properties.

  1. Architectural Features

The right architectural features can be worth the long-term investment, provided they enhance the natural appeal of the home. Layered lighting designs can be implemented to change the feel of a space, even its perceived size, using statement pendants, integrated lighting accents, and other fixtures to highlight the architecture. Other features can be incorporated from millwork and stone work, such as accent walls, integrated seating pieces, or style accents, to renew the appeal of the architecture through remodeling techniques rather than full-blown renovations.

  1. Smart Technology

Smart technology investments can hold their value when done properly because they add luxury and functionality at the same time. The potential risk is that the smart technology becomes outdated, which is why these upgrades should be chosen selectively. Examples of smart applications that hold their value include smart temperature systems that can be set based on the residents’ habits, smart-controlled heated bathroom floors, smart sprinkler systems, and smart air and water quality controls.

  1. Outdoor Upgrades

Outdoor Remodeling of A Modern Home

Luxury home remodels often include outdoor spaces to add luxury and value to other aspects of the property. Adding or remodeling a deck or patio can make the home feel larger while adding aesthetic value. Other upgrades that are worth the investment for those with the space to accommodate them include outdoor kitchens and dining areas, outdoor living rooms, integrated fire pits, built-in appliances, and pool upgrades.

Take Your Home to the Next Level with Luxury Remodels that are Worth the Effort

Not all remodels are worth the time, money, and effort. Many expensive upgrades attempt to capitalize on trends without accounting for the long-term value of the investment. Our goal at Southern Maryland Kitchen & Bath is to help homeowners contextualize their home remodels with the luxury fixtures, architecture, and materials that will make their ideas worth the investment. Rather than completely changing the home, many of these upgrades simply accentuate and revalue the home’s best structures and features.

Contact our team today and schedule a consultation to learn how our in-house team of designers and contractors can help you plan and execute the high-end remodel with the best return on investment.

Filed Under: Remodeling

September 22, 2025 by Southern Maryland Kitchen Bath Floors & Design

stylish spacious kitchen and living room with refrigerator and washing machine overlooking cozy dining area with wooden ceiling next to open balcony on sunny day

Luxury interior design in 2025 is so much more than showing off expensive fixtures. Today, luxury means high-impact design choices that bring a vision for a lifestyle to reality, increase a property’s value, and welcome guests into a curated space. The emphasis is now on craftsmanship, material selection, and personality, rather than pure opulence.

Homeowners partner with experienced designers and contractors to bring these visions to life, shifting from ostentatious designs to the trends that create spaces curated for elegant emotional appeal.

This article reviews some of the most prevalent luxury design trends that can elevate any home with a modern fusion of form, function, and personality.

Naturalistic Materials Bring Warmth to Luxury

Sustainability has transformed from a lifestyle choice into a popular visual style. Homeowners and buyers hope to translate naturalism and sustainable living to design choices that combine warmth and luxury in modern homes.

One example of this trend is the prevalence of natural stone statements, as well as luxury materials that replicate the look and feel of stone, to make spaces feel more organic. Carrera marble, quartz, and more can be incorporated into countertops, shower surrounds, feature walls, cladding, backsplashes, and other features for that naturalistic feel.

Beyond stone, designers eyeing a natural feel can also use luxury hardwood to create spaces that feel warmer and more inviting. Some of the most popular choices for flooring, accent walls, casework, and furniture include birch, hickory, oak, maple, and white oak.

Bamboo, while not a traditional hardwood, is an increasingly trendy choice since the material is more sustainable and moisture-resistant than many of its hardwood counterparts. It can yield pieces with a distinct appeal that immediately reflect the trend of sustainable home living.

Custom Lighting Turns Spaces into Statements

Modern architectural redesigns do not require full remodels. A popular design trend is to use architectural details to convert the feel of a space into an opportunity for luxury. For example, built-in accent, ambient, and task lighting can add functionality to spaces like open-plan kitchens.

This makes users feel more catered to, which in turn creates a feeling of luxury through functionality. Cove lighting and lighting integrated into custom casework can add more fine details for users to discover.

Other architectural additions can include pendants and sconces to change the perceived shape of walls, add zones of lighting, and make bold statements without changing the layout of the room. Smart lighting controls with scene settings and automatic adjustments for usage and time of day can add more convenience to these details.

Spa Conversions Turn Daily Bathroom Usage into a Wellness Retreat

sleek modern bathroom vanity with white countertop and grey cabinets Perfect for a contemporary bathroom design

Bathroom designs have followed luxury trends to become more than the site of a simple daily routine. Taking inspiration from spas and resorts, interior designers are striving to deliver elevated experiences that enhance the homeowner’s mood and incorporate more luxury materials.

Fixtures such as freestanding soaking tubs and rainfall showers provide elevated comforts. Natural stone, heated floors, and attractive wall finishes create a more complete experience. Even the incorporation of light through windows, skylights, mirrors, and integrated lighting systems can make even a small bathroom seem large and luxurious.

Custom Casework and Built-ins Expand the Space

Custom cabinetry is an artform that modern designers use to create showpieces in any room. Kitchen islands can now become oversized pieces styled like furniture with built-in room for appliances, charging stations, mini work desks, functional kitchen inlays, cabinets, and more. Experienced designers can hide storage in seating arrangements, such as bench-style breakfast nook seating or custom banquette seats.

Personalization is a standard of luxury designs, and custom casework can deliver with as many handcrafted details and hardware integration as the designers and homeowners envision. Technology is a mainstay of the modern home, but it doesn’t have to become clutter. Cords, charging stations, appliances, and storage can be integrated into custom cabinets to make spaces feel bigger and more functional without negating the feeling of clean luxury.

Smart Technology Elevates the User Experience

Modern smart technology turns home living into a seamless entertainment and wellness experience. Integrated speakers, screens, panels, and smart lighting/appliance systems combine efficiency and elegance into an elevated design. Homeowners can automatically change the function of the space from entertaining or dining to wellness and relaxation through voice-activated lighting and temperature changes and other smart technologies.

Southern Maryland Kitchen and Bath Designers Elevate Homes with the Latest Trends

Master Bathroom

Modern designers can elevate homes into luxurious, multi-functional experiences by following the right trends. Though some upgrades are costly, cost alone is not the deciding factor when elevating a space. Designers and owners need thoughtful, detail-oriented designs that achieve the modern user’s expectation for sustainable, spacious, and functional living at any budget.

At Southern Maryland Kitchen & Bath, our in-house designers and contractors help homeowners achieve greater luxury within their means. Smart designs don’t simply chase trends; they utilize the essence of trends to translate a vision for a home into a livable reality.

Contact our team today and schedule a consultation to learn how modern luxury designs can be achieved with the right expertise.

Filed Under: Remodeling

July 21, 2025 by Southern Maryland Kitchen Bath Floors & Design

modern dark kitchen island with marble countertops and outdoor views

In the ideal luxury kitchen redesign, a homeowner can include all of their desired premium finishes, appliances, and upgrades. However, in most cases, homeowners must pick and choose upgrades to achieve the most important parts of their vision while staying aligned with their individual budget. The kitchen is often considered the high-performance workspace, social gathering site, and engine room of the home.

With such a high level of importance, remodeling the kitchen warrants paying attention to how the money can be used most efficiently and economically to make the biggest improvements to this all-important room.

This selection process includes choosing features and materials that suit the style as well as the function. The decisions should be made from the top down, starting with the must-have features that make the biggest improvement within the individual’s budget.

This article highlights must-have luxury features for modern kitchen remodels, targeted for high-value Maryland homes but based on principles that anyone can use to improve their kitchens.

1. Custom Cabinets

Custom cabinets can redefine luxury in a modern kitchen. Homeowners often spend around a quarter of their remodel budget on cabinets alone, and it’s easy to see why. The choices of luxury materials, finishes, and designs invite the owners of high-end kitchens to design their dream cabinets before choosing anything else.

While cabinets need to fit in the budget, they are a must-have feature for any complete kitchen remodel. The choice between natural wood grain, laminate finish, paint, and other designs can define the tone and color temperature of the room. Custom cabinet artisans can create tailored wood designs, build vertical cabinets that take advantage of high ceilings, and conceal hidden storage compartments, pull-out shelves, toe-drawers, and other built-ins for added luxury. Appliances can even be built into the cabinets to show them off and save space.

Custom cabinets don’t just look good on the outside. By offering homeowners the ability to conceal appliances, utensils, and implements to save valuable counterspace, they can transform a crowded kitchen into a space that feels well-appointed and clean.

2. Islands

Kitchen islands are hallmarks of luxury kitchen designs, and while not every space can accommodate them, they remain important additions for many homeowners. In expansive kitchen spaces, oversized islands can be used to great effect by incorporating built-in appliances, food prep space, storage, and even seating.

modern kitchen design with marble countertop and stainless steel appliances for luxury interiors

Integrated cooktops, cutting boards, and other prep surfaces contribute to the impression of luxury that most high-end homeowners aim for in their kitchen remodels. Other high-end built-ins that take advantage of custom kitchen islands could include warming drawers, beverage refrigerators, and prep sinks.

3. Crown Molding

While not a functional addition, crown molding can add a sense of luxury and cohesion to a high-end kitchen remodel. This often-overlooked aspect of remodeling takes details from the architecture or the custom cabinetry and pulls them into the edges of the room, creating a more immersive and complete experience.

4. Natural Lighting

Natural lighting is an essential feature of luxury kitchen spaces, enhancing both design and functionality. When produced from natural sources, lighting expands the perception of the room, which can make large spaces feel more expansive and small spaces less cramped. Windows, doors, or skylights add warmth while also adding functionality since the space can be used more easily without relying on artificial lighting configurations.

Studies show that natural lighting can boost serotonin, encourage relaxation, and improve sleep. With so many people working partly or fully from home in the post-pandemic economy, exposure to natural light is an important part of our daily routines and an even more significant sign of luxury.

5. Stone Accents and Counters

Natural stone can set the tone of the room, increase its value, and make it seem larger. A popular current design trend is to continue the countertop’s stonework on the backsplash, creating a sense of continuity. Stone accents and counters are available in many varieties, including Caesarstone, Silestone, quartz, Cambria, and granite. For a more sustainable and distinct look, recycled glass and butcher block can be used to create refined utilities that combine modern luxury with durable materials.

6. Integrated Lighting and Smart Systems

Integrated lighting under cabinets or appliances can increase the utility of the room, guiding users to focal points while illuminating work surfaces. Adding dimmers to recessed and ambient lighting can add more functionality, while cove and toe-kick lighting can add drama to built-in storage and display niches.

Smart lighting systems can be added for greater control, with discreet wall stations or in-counter pop-ups concealing panels or charging stations while maintaining the clean surfaces of the design. Technology can be a luxury provided it’s properly concealed and optimized for the space, reducing the burden on counter space rather than adding to it.

Bring Your Luxury Kitchen Vision to Life in Maryland

At Southern Maryland Kitchen & Bath, our in-house network consists of designers, contractors, and tradesmen who plan and build luxury kitchen remodels for homeowners in Maryland. Our goal is to customize luxury designs for the budget and goals of each homeowner, helping each kitchen have luxury features they envision.

Contact our team today and schedule a consultation to learn more about luxury kitchen plans and trending designs in Maryland.

Filed Under: Kitchen

July 14, 2025 by Southern Maryland Kitchen Bath Floors & Design

preparing kitchen custom new

Kitchen remodeling can breathe new life into a home while also taking a toll on the finances of the owners. Financing the remodel can make the project doable, but even passionate homeowners can make mistakes when doing so, such as underestimating the total completion cost.

When financing a kitchen remodel in Maryland, watch for five pitfalls which can have both short and long-term financial consequences. These are not mistakes with the planning or execution of the remodel itself but with the financing process. Below, we review these potential mistakes, the reasons homeowners may make them, and potential solutions for those who are already experiencing these issues.

1. Underestimating Project Completion Cost

Kitchen remodeling projects have a wide variation in prices depending on the size, material choices, and other contingencies. However, the average cost in 2025 is around $27,000, or between $75 and $250 per square foot. These numbers are generalized estimates since minor remodels can cost much less and major overhauls can cost as much as the homeowner is willing to invest.

For most homeowners, budgeting the kitchen remodel is an essential part of the process. However, many homeowners make a damaging mistake when doing so by not properly accounting for the project’s full completion cost. If you have tallied up the cost of the materials, appliances, and finishes without considering some other vital aspects, you may have already made this mistake.

One common omission is labor fees, which can account for as much as 25% of the remodeling bill. Homeowners can be swept up in material choices and how these align with their budget. However, design costs, contingency fees, permit fees, demolition costs, and more are all part of the project’s completion cost. Not all costs can be predicted, but homeowners should try to overestimate the project’s costs when planning their financing to avoid coming up short once everything is tallied up.

2. Failing to Leave a Safety Net

On the subject of budget estimation, many homeowners plan their kitchen remodels down to the last dollar, but this can lead to issues. Safety nets are an essential part of the planning process not only for permits and extra costs but also for issues that can’t be anticipated. These could include repairs that need to be completed during the remodel if the demolition team uncovers problems such as structural issues or plumbing leaks.

Additionally, any code violations uncovered during a remodel can impact the project timeline. Hidden wood rot, pest infestations, faulty wiring, and necessary code upgrades to core systems like insulation can all cause the project to go over budget. These issues incur costs for replacement materials, additional labor, inspections, and possibly redesigns.

For these unforeseen issues, homeowners should reserve at a minimum, 10% of their total remodeling budget, which can be reallocated into the project after essential inspection and demolition phases.

3. Relying on Only One Source of Financing

installation of custom kitchen cabinets and island in progress

Homeowners can finance their kitchen remodels in several ways, including savings, personal loans, home equity loans, RenoFi loans, and HELOCs. One mistake made by many homeowners at the initial financing step is to rely on the first source of financing quoted to them without looking into other options.

This often happens when homeowners let their contractors arrange the financing. Rather than find loan terms that are the most favorable to the homeowners, many contractors use their preferred lenders to deliver convenience-based loans. This saves homeowners the minor headache of comparing lenders but can have a lasting negative impact on their finances.

Always compare different forms of financing to find the most competitive interest rates. Before committing to a finance option, look for credit-friendly financing terms that offer prequalifications. Especially for homeowners with good credit scores, securing favorable terms can have a massive impact on their cash reserves and taxes later.

4. Draining Savings with Excessive Interest

Financing a kitchen remodel offers a convenient way to offset the initial project costs. However, poor long-term outcomes are often the result of overrelying on high-interest credit to pay for the project, especially if parts of it go over budget.

Using high-interest credit cards to pay for part or all of the kitchen remodel is a costly but all-too-common mistake. Homeowners can burn through their emergency savings quickly by taking on new high-cost debts. Instead, low-interest financing such as home equity loans should be prioritized whenever possible to avoid excessive debt growth.

5. Neglecting Monthly Payment Forecasting

Monthly payment forecasts should include the principal paid on the financing and the interest, especially when multiple loans are needed. Many homeowners neglect to recognize how much of the cost is financed or which loans have higher interest, resulting in costly repayments with growing interest.

This can negatively impact the household’s cash flow, prolonging new expenses while interest mounts over time. Loan amortization tools can be helpful in modeling repayment scenarios and organizing the debt based on which loans should be paid first.

Working with a reliable and trusted remodeling company is actually a financial imperative. For homeowners who took the lowest bid or the fastest offer, they often find themselves financing a remodeling nightmare as well as corrective measures. When considering your budget the right way, use the same level of preparation for acquiring the right builder.

Contact Southern Maryland Kitchen & Bath for All Your Kitchen Remodeling Needs

elegant modern kitchen design with dark cabinets and quartz countertops

Southern Maryland Kitchen & Bath uses a trusted team of contractors and designers to deliver high-quality kitchen remodels that cater to homeowners’ specific situations. Our team communicates every step of the project to make sure you know about any extra repairs, permits, or project timeline changes that are needed. We know that remodels are expensive, and we strive to make sure homeowners are never in the dark about what they need to do to complete their projects.

Contact our team today to learn how to plan, finance, and execute the perfect kitchen remodel with our experienced consulting, demolition, and design teams.

Filed Under: Kitchen, Remodeling

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