Jocelyn Vasquez is living proof of those statistics.

At a young age, her parents instilled the belief that if you owned a home, you had achieved the American dream. That dream of homeownership carried a lot of weight for her Hispanic parents, who had immigrated from El Salvador in 1977.

Jocelyn turned the dream into an aggressive goal for herself:

"My goal, as a U.S. citizen, was to graduate college and get a house before turning 30," says Jocelyn. "And, I wanted to do it on my own."

To accomplish this, the Los Angeles, California resident made a roadmap for herself. She saved, attended college and kept her student loan debt as low as possible - all without burdening her parents.

After she graduated, Jocelyn got a job as a loan officer assistant. It wasn't until she had worked there for three years that she fully understood what was needed to qualify for a mortgage. The lightbulb went off when she realized, "I really could buy my own home someday."

That was when she got serious. Because California real estate is so expensive, Jocelyn got a second job. She earned her real estate license and worked part-time as an agent, determined to save all her commission checks for a down payment.

It took her three years to build her savings, pay off bills and get her debt-to-income (DTI) ratio low enough to qualify for a loan. (Many lenders don't want a borrower's debt to be greater than 45 percent of their gross income.) Once she achieved this, it was time to execute her plan.

Jocelyn searched for a house that was less than $300,000 - not an easy task in the Greater Los Angeles Area. She looked at 16 homes before she found a 2-bed, 2 ? bath townhouse, with a 2-car garage for $285,000. Even though it was perfect for her, she took the weekend to think it over before making an offer. Unfortunately, her hesitancy cost her. By Sunday night, the seller had already accepted an offer. Jocelyn was devastated.

"I felt so discouraged, I didn't know what to do," she admitted.

"After all my hard work and determination, I couldn't believe I had missed out on this house. But I told myself what I tell all my buyers, 'If it's meant to be, it will be.'"

It must have been meant to be: Five days later, Jocelyn got an alert on her phone informing her the house was back on the market - for $7,000 less. Jocelyn immediately called the seller's agent, who told her the first buyer had backed out of the deal because his truck didn't fit in the garage. This time, Jocelyn didn't hesitate to offer the new asking price of $278,000.

Jocelyn used conventional financing with private mortgage insurance, which allowed her to put down less than 20 percent. By saving diligently, she was able to make a five-percent down payment of $13,900. Her current monthly payment of $2,020 is exactly what she paid to rent her previous 1-bed, 1-bath, 640-sq.-ft apartment in downtown LA.

"This is the best investment I've ever made," says Jocelyn. "In the two years I've owned my home, its value has increased by almost 15 percent. It took a very long time, but I knew my plan would work eventually. And, I did it all on my own at age 28. My goal now is to help other Hispanic homebuyers realize the American dream of owning their own home."

For more first-time homebuyer stories, visit readynest.com.

1 According to Fannie Mae's 2018 National Housing Survey

"I figured if I was going to buy a house, I'd better do it sooner rather than later because prices just kept going up," explains Erin.

However, with only $7,000 in savings at the time, she felt she didn't have enough money for a down payment. But the timing became a dilemma for her. Should she wait to save more money for a house that would probably cost more in a year? Or, use all her savings to buy a house now - at the risk of leaving herself with no funds for a rainy day or future expenses?

The answer came when Erin visited the new home of a friend who had used a down payment assistance program to purchase her house. Her friend explained how down payment assistance programs give first-time homebuyers money to pay for a portion or all of their down payment, with some programs even helping with closing costs. 

Free money for eligible borrowers 

While there are more than 2,500 down payment assistance programs available throughout the country, Erin decided to apply for the same state-offered program her friend had used.

The program, called North Carolina 1st Home Advantage Down Payment, makes homeownership more affordable for state residents. It offers down payment assistance of up to 5 percent for FHA, VA and USDA loans, and up to 3 percent for a conventional loan. And because Erin had a decent credit score and met the program's income limit, she qualified.

Erin received down payment help in the form of a zero-percent, deferred second mortgage. As long as she doesn't sell or refinance the house for 15 years, her down payment assistance will be forgiven, meaning she won't have to pay it back.

Let the house hunting begin! 

Once Erin knew she was eligible for help with her down payment, she earnestly began her home search. She found a historical 3-bedroom, 1-bath home that was built in 1925. The price of the home was $152,000. She used conventional financing with private mortgage insurance because she was putting less than 20 percent down. With her 3-percent down payment assistance ($4,560), Erin successfully purchased her home in 2016.

"And, I didn't have to use all my savings!" says Erin. Plus, she's built up equity over the last two years due to home values going up.

Aside from the financial perks of owning her own home, Erin enjoys other benefits. "I've got so much more space for the money than when I was renting," says Erin. "And I like being a permanent part of the neighborhood and getting to know my neighbors."

For more homebuyer resources, visit readynest.com.

To find down payment assistance programs in your area, visit downpaymentresource.com/

Not so fast.

Those seasons may be the most popular time of year for a project such as this, but when you take a deeper dive into the world of home remodeling, you'll find October and November are actually the best times to remodel your kitchen. By taking advantage of the fall season, you can get your project done before the holidays (and save a ton of money.) 

Slower season means better values 

Spring and summer may seem the ideal time to begin a remodel project, but it's the busy season for contractors and retailers know it. High demand can mean higher prices and longer lead times to get things done. More people are recognizing this and getting their kitchen done in the fall. They can find better deals and, just as importantly, get their house ready for the holidays.

Here are some insider tips:

* Watch for the sale. Retailers will push great savings in October and November to clean out inventory heading into the new year.

* Find an expert. The Internet is great for research, but for a big project such as a kitchen, find a retailer that offers personal one-on-one design help.

* Remodel the whole kitchen, not just one part. You can get the best deals from retailers that do it all: cabinets, countertops, sinks, faucets - even flooring. And you'll be able to design the full kitchen without driving to three different stores.

* Plan installation. Ask if they offer installation. This time of year, that can be a real positive.

Try to find a store such as Cabinets To Go in your area. Unlike online retailers, they have experts in every store. They also offer free, 3D-kitchen design, installation and hundreds of style options for cabinets, countertops, sinks, faucets, and flooring. Better yet, they also offer some of their best deals of the year right now. For more information, visit www.cabinetstogo.com/. 

Show it off for the Holidays 

Home blogger Cassie Bustamante also encourages taking advantage of this season for a remodel.

"The fall is a financially wise time to undertake a new kitchen, but it also makes sense for a lot of other reasons," she says.

"The holidays are about family time and the kitchen is the heart of it all."

Bustamante also feels there's a more personal reason."Maybe you'll finally get up the nerve to host Thanksgiving dinner since you'll have such a gorgeous new space."

The kitchen is the heart of the holiday experience. It's the place we gather with loved ones to prepare meals and share stories. Now, imagine how amazing it would feel to host the holidays in your newly-remodeled kitchen knowing you saved a lot of money? Great family time during the holidays is more than just a kitchen, but it's the perfect place to bring it all together.

"Looking at the curve of the old barrel staves, the wooden lids and the rusty rings that once held it all together, I was struck by the shapes and threw it in my pickup truck to take home and see what I could do with it," Deffenbaugh recalls.

Despite having no barrel-making experience, Deffenbaugh put the barrel back together and decided to take it a step beyond serving as an unusual table in his home. He cut out one side and turned the pieces into a bar cabinet that could store wine and liquor bottles on the deck when he had guests.

Then, when the guests started asking him to make something similar for them, he had an inspiration that led him to quit his career in human resources, draw up plans, rent a truck and head for Kentucky, returning with 90 barrels and an idea that would become The Oak Barrel Company.

The Oak Barrel Company, based in the heart of Amish country in Berlin, Ohio, takes recycling seriously. In keeping with its motto, "Reclaim, Reuse, Recreate," the company does its best to use the entire barrel, with little or nothing wasted.

Deffenbaugh learned woodworking from members of the local Amish community and contracted with several Amish craftsmen and other local woodworkers to partner with him on various phases of creating art and furniture from the components of the barrels, including the staves, lids and rings. The company has chosen to use wine barrels to create beautiful tables instead of whiskey. While whiskey barrels are very popular, they run the risk of producing a black mold if not properly cleaned, both inside and out, whereas wine barrels are already clean and do not run the risk of any mold, creating a better product in the long run.

The company's product line is always evolving and includes small benches with curved seats and legs from barrel staves as well as stools with barrel-lid seats. Also available are bistro-style, wooden-topped tables made from whole barrels, with matching chairs made from barrel components. Wine enthusiasts may appreciate the wine barrel wine rack and even the wine slate wine rack, designed to hang on the wall or sit on the counter.

All Oak Barrel Company products come with a lifetime guarantee, and many of the products can be customized with choices of stain color, type of metal fixture, and indoor or outdoor finish. The Oak Barrel team can create a custom piece in four to six weeks.

For more information visit theoakbarrelcompany.com to view some of the company's unique designs.

January 2020 marks the EPA mandate to end production of Freon (also known as HCFC-22 and R-22), the primary refrigerant chemical used in residential air conditioning units that has been found to have a significant contributing effect on ozone depletion and global warming.

While this is good news for environmentally conscious consumers, what does this mean to homeowners?

In short, you can still opt to keep your older system that requires Freon. However, this can pose a problem should your unit need even minor service, such as a small leak. Technicians will have limited access to R-22 or use recycled versions until supplies dwindle. Further, a shortage means increased prices. Alternatively, homeowners would need to hire a technician to replace the outdoor unit and indoor coil to accommodate the newer R410A, which is an expensive proposition.

Ultimately, now might be a perfect time to upgrade since the average lifespan of an HVAC system is approximately 15 years - allowing homeowners to enjoy greater long-term savings on utility bills and live greener. 

Live Green, Save Green, Stay Cool 

With home heating and cooling accounting for nearly half of home energy use and air conditioner energy expenses costing homeowners more than $11 billion a year, small steps can go a long way.

Following are some useful tips to help you contribute to the cleaner energy movement and reduce bills:

* Get Electric: According to Columbia University's Earth Institute, electric systems are a solution to decarbonize home climate control. Among the most energy-efficient heating and cooling products, electricity-powered ductless mini-split systems, offered by companies including Fujitsu General America, can save as much as 25 percent on your energy bill. Mini-splits use thin copper tubing to pump refrigerant from an outdoor compressor directly into an indoor air-handling unit, where the air is quietly distributed to the interior space.

* Be "Smart" About Home Climate Control: When it comes to smart home temperature control, there are Smart HVAC Systems and Smart Thermostats. Smart HVAC systems have built-in Internet capability and can be controlled directly without additional equipment. Smart Home Thermostats create "smart" systems by enabling remote temperature control via a mobile or Internet-connected device or voice-operated home automation system.

* Voice Your Preferences: Take control of your comfort. Most HVAC manufacturers offer apps that enable systems to be controlled from anywhere using a mobile device. Voice-control capability uses digital assistants, such as Amazon Alexa or Google Home, to verbally dictate home temperatures. Easily controlling the temperature more closely allows homeowners to be more comfortable and improve energy savings.

* Find Your Efficient Comfort Zone: Many of us live in homes designed for bigger families, but have yet to downsize. If you find yourself using a fraction of your home on a regular basis, consider upgrading to a zoned, ducted, or ductless system. That will allow you to save energy heating and cooling spaces where you and your family don't spend a lot of time. This will multiply savings as you're not only needing less cooling, but you also gain from a more efficient system in the spaces you do still use.

* Go Low-tech: Simple changes can have a big impact. Try to use heat-producing appliances - stoves, irons and dryers - at night or early morning. Switch to LED light bulbs instead of incandescent bulbs - which consume 90 percent more power. Seal air leaks around windows, doors, and places where pipes and wires come through walls. Check existing caulking and weather-stripping for gaps or cracks.

There's no need to sweat the ban on Freon this summer. If a new system is right for you, many Fujitsu systems with the Energy Star rating are more than twice as efficient as the minimum standard set by the government.

To learn more or find a contractor near you, call 888-888-3424 or visit www.constantcomfort.com.

The Botanic Garden collection from Portmeirion brings vibrant color and traditional British charm to any table. The collection, designed by Susan Williams-Ellis in 1972, is based on early-19th-century floral illustrations. The realistic flowers are accented with butterflies and dragonflies and bordered with the iconic triple leaf design.

The Botanic Garden Collection allows you to create your own garden table with more than 23 floral motifs highlighted in the 30-piece dinnerware set. The set offers service for six, and includes six of each dinner plate, side plate, cereal bowl, pasta bowl, and tankard mug. Each piece has multiple uses; the side plate is ideal for appetizers, snacks, or desserts, and the cereal bowls work for ice cream or salad. The pasta bowl is perfect not only for pasta, but for soup or salad as well.

Each piece is made with care and attention, passing through 22 hands in the Portmeirion factory in Stoke-on-Trent, England, which is considered the birthplace of English pottery.

The Botanic Garden tableware is designed for everyday living. The items are dishwasher, microwave, freezer, and oven safe to provide maximum flexibility in meal preparation, cooking, and cleanup.

Here are a few tips to get the most from your tableware:

* Tableware items such as plates, bowls, and mugs can be placed in a warm oven (225 degrees Fahrenheit or lower), but should not be used for cooking.

* Cookware items including roasters, casseroles, and ramekins are designed to be used for cooking up to temperatures of 425 degrees Fahrenheit.

* When microwaving, "remember that ceramics will pick up some of the heat created in the microwave, so use care in holding handles or picking up plates," according to the company's website.

* Cleaning is easy in the dishwasher; the company recommends liquid detergents instead of the powdered variety to help preserve the design and color.

For more information about the Botanic Garden collection, visit Buybotanicgarden.com

Although this new "Full House" dynamic could forge family bonds, it will also cause energy use and utility bills to skyrocket with all home technologies, appliances and systems running overtime at unprecedented levels - making optimal, energy-efficient home climate control a critical part of both keeping everyone comfortable AND minimizing utility bills due to significantly more time spent at home.

The good news is that families can successfully prevent a utility bill blitz this winter by following a few simple steps. With home heating and cooling accounting for nearly half of home energy use, small steps can go a long way.

* Ease Into Electric: According to Columbia University's Earth Institute, electric systems are a solution to decarbonize home climate control. Among the most energy-efficient heating and cooling products, electricity-powered ductless mini-split systems, offered by companies including Fujitsu General America, can save as much as 25 percent on your energy bill.

Mini-splits use thin copper tubing to pump refrigerant from an outdoor compressor directly into an indoor air-handling unit, where the air is quietly distributed to the interior space.

* Get "Smart" About Climate Control: When it comes to smart home-temperature control, there are Smart HVAC Systems and Smart Thermostats. Smart HVAC systems have built-in Internet capability and can be controlled directly without additional equipment. Smart Home Thermostats create "smart" systems by enabling remote temperature control via a mobile or Internet-connected device or voice-operated home automation system.

* Voice Your Preference: Take control of your comfort. Most HVAC manufacturers offer apps that enable systems to be controlled from anywhere using a mobile device. Voice-control capability uses digital assistants, such as Amazon Alexa or Google Home, to verbally dictate home temperatures. Easily controlling the temperature more closely allows homeowners to be more comfortable and improve energy savings.

* Find Your Efficient Comfort Zone: Many of us live in homes designed for bigger families, but have yet to downsize. If you find yourself using a fraction of your home on a regular basis, consider upgrading to a zoned ducted, or ductless system. That will allow you to save energy heating and cooling spaces where you and your family don't spend a lot of time. This will multiply savings as you're not only needing less cooling, but you also gain from a more efficient system in the spaces you do still use.

* Try Low-tech Fixes: Simple changes can have a big impact. Take advantage of the sun's energy to heat your home by opening your south-facing curtains at sunrise to make best use of "passive solar gain." Force down warm air. Denser, cooler air stays closer to the ground, and warmer air rises. So, force it downwards with a low-speed fan. Insulate and fill the gaps. Warmed air leaking out around poorly sealed window frames, power sockets, recessed light fittings, and other gaps is a big source of heat loss in homes. Thick curtains help to insulate glass at windows.

Achieving a sense of peaceful co-existence in your increasingly crowded, multi-functional home does not need to make your family members hot under the collar. If a new system is right for you, many Fujitsu systems with the Energy Star rating are more than twice as efficient as the minimum standard set by the government. To learn more or find a contractor near you, call 888-888-3424 or visit www.constantcomfort.com.

However, all fire-suppression devices are not created equal, and portability, safety, and ease of use are key when selecting the right fire protection product for your home, business or wherever.

BlazzOut Inc has developed a lightweight and user-friendly fire-extinguishing device that offers several advantages for home, business, and vehicle use as well as other settings where simple, environmentally-friendly firefighting is needed, such as schools, libraries, and farms.

The signature BlazzOut product is a compact, lightweight, and easy-to-handle grenade-style extinguisher known as BlazzKiller. The device is designed to be thrown into a fire from a safe distance that contains a non-toxic water-based formula, which is economical and effective. The container is made of an easily breakable resin plastic that will release the fire-suppression liquid when thrown into a fire.

The BlazzKiller proprietary formula is engineered to smother flames quickly and also initiates an endothermic process of taking energy from the fire itself to cool the surrounding area. This chemical reaction also releases nitrogen and carbon dioxide into the immediate flame area, which prevents oxygen from reaching and feeding the fire in order to prevent the fire from restarting, thus providing peace of mind.

BlazzOut products were designed by a chemical engineer to provide safe, simple, fire protection that can be used by almost anyone, including older adults and children approximately 7 years of age and older. The BlazzKiller fire-extinguishing grenades can be safely stored anywhere and has no need for maintenance.

BlazzOut also offers the BlazzTrap, an automatic fire-extinguishing device that features the same BlazzKiller technology and is designed to be placed where it will snuff out fires in up to 250 sq ft, such as in the kitchen, garage, attic or basement when the glass ampule reaches a predetermine temperature.

In addition the BlazzTrap device can be placed in a boat, camper, car, truck, or RV as well.

Other benefits of BlazzOut products include easy cleanup and no property damage, compared with the damage often caused by conventional fire extinguishers, as well as a shelf life of approximately five years.

Visit www.tiny.cc/blazzout for more information.

If you're able to use a whole room as a workspace, it can be outfitted fully with custom built-ins and decorated in appropriate style. Lisa Michael Interiors juxtaposes crisp white-painted hardwood cabinetry with navy-blue nautically inspired wallpaper and accessories in this shipshape Boca Raton home office. Visit www.hardwoodinfo.com for more about putting American hardwoods to work in your home.

1. FRESH & MINIMAL

Photograph: Rebecca McAlpin

In a Philadelphia house, designer Mel McDaniel uses three beech desktops, purchased at a local big-box store, to turn an alcove into a simple but effective workspace for two people. Vintage chairs, painted white, and a pair of residential table lamps complete the homey yet professional look. 

2. OFFICE IN A CLOSET

Photograph: Alan Tansey

For many homeowners, finding sufficient space for a dedicated office is a problem. One solution, even in a small apartment, is to transform a closet with hardwood built-ins. Michael K Chen Architecture shows how it’s done with this admirably compact yet surprisingly roomy example in a New York loft.

3. WORKING UNDER STAIRS

Photograph: Paul Barnaby

If you live in a multistory house, you may have a dark space under the stairs that could be made to look and function better. In Los Angeles, Hamilton Architects transform one such triangle into a bright home office with a built-in hardwood desk and a strategically placed window. 

4. THE ATTIC OFFICE

Photograph: Eric Roth

As Hutker Architects and designer Kathleen Walsh demonstrate in this farmhouse on Martha’s Vineyard, the height-challenged space under the eaves in an attic can be the ideal spot for a substantial work surface. Dormer windows bathe the custom oak-and-steel desking with daylight while also providing a view.  

5. THE FULLY FITTED OFFICE

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Photograph: Jessica Glynn Photography @jessglynnphoto

If you’re able to use a whole room as a workspace, it can be outfitted fully with custom built-ins and decorated in appropriate style. Lisa Michael Interiors juxtaposes crisp white-painted hardwood cabinetry with navy-blue nautically inspired wallpaper and accessories in this shipshape Boca Raton home office. Visit www.hardwoodinfo.com for more about putting American hardwoods to work in your home. 

For those just getting started, an Arizona-based real estate rewards and referral network company, RBN (Real Buyer Network), offers homebuyers added value to their purchase through its relationship with American Express.

Here's how it works: Homebuyers use an RBN participating agent for their home purchase and they can earn American Express Membership Rewards® points up to the purchase price of the home.

Larry and Myra of North Carolina recently earned more than 500,000 reward points with RBN. "We enrolled with RBN and were put in touch with Thomas Wohl, Broker, Realtor and it's probably the best decision we ever made. Thomas was not just interested in us buying a house, but rather we bought the RIGHT house for us." The home purchase itself follows the traditional real estate process of cash or mortgage financing.

Founder Kipp Lassetter says, before prospective homebuyers get started, before touring any homes, before interviewing any other agents or doing anything in the home buying process, they need to visit RBN's site.

"Choose from the most qualified participating agents, buy their home through the traditional real estate process and earn rewards. Using an RBN participating agent is a no-brainer."

Lassetter was inspired to found RBN after his own home buying experience, in which he struggled to find a real estate agent with expertise in local neighborhoods and a willingness to go the extra mile on service and support.

RBN fills this niche by partnering with the best local agents and rewarding homebuyers for selecting these agents.

"Each participating agent endures a rigorous vetting process that includes a one-on-one interview and review of sales performance," Lassetter says.

Home purchasers have already earned millions of rewards points using RBN participating real estate agents. If you don't have an existing American Express account, don't worry. The RBN virtual wallet tracks and maintains your points until you connect to an eligible account.

Visit joinrbn.com for more information and to connect with an RBN participating real estate agent in your area.