Copper Dwelling + Design’s Newest Team Member, Angel

Copper Dwelling + Design’s Newest Team Member, Angel

Rock Hill, SC

We’re excited to welcome Angelique Overton to the Copper Dwelling + Design—design team.

Angelique began her design journey in 2005, working in kitchen design and then lighting stores to sharpen her knowledge of construction, decore, and lighting. Angelique’s most recent work experience combined her work experience to design custom made cabnietry locally.

She has lived in Fort Mill, SC for two years and looks forward to establishing her family here for many years to come.

“I am so excited to start this new chapter in my life in the interior design business.” -Angelique

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This Is How The Government Shutdown Is Impacting Your Home Loan

This Is How The Government Shutdown Is Impacting Your Home Loan

Government Shutdown 2018-2019

Thanks to Congress and the other powers-that-be, December 2018’s budget resolution could not be resolved, which means that the government’s spending authority expired at midnight on December 21, 2018. As a home buyer, the government shut down may have you worried, and rightfully so. The government shutdown is impacting home loans in a few key ways.

 
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The National Association of Realtors® has the following to say regarding the government shutdown:

Flood Insurance 

An extension of the National Flood Insurance Program (NFIP) is currently attached to the CR. Without an extension, NFIP cannot sell flood insurance policies after midnight on December 21. Existing policies will not be affected until 30 days after their renewal date. Homebuyers will be able to assume existing policies and claims will continue to be processed and paid as usual. For more information, click here to read NAR’s answers to frequently asked questions about NFIP. 

Federal Housing Administration

HUD’s Contingency Plan states that FHA will endorse new loans in the Single Family Mortgage Loan Program except for HECM loans. It would not make new commitments in the Multi-family Program during the shutdown. FHA will maintain operational activities including paying claims and collecting premiums. FHA Contractors managing the REO/HUD Homes portfolio can continue to operate. Some delays with FHA processing may occur due to short staffing (click here for more info).

Internal Revenue Service 

The IRS will close and suspend the processing of all forms, including requests for tax return transcripts (Form 4506T). While FHA and VA do not require these transcripts, they are required by many lenders for many kinds of loans, including FHA and VA, so delays can be expected if the shutdown is protracted. Some loan originators may adopt revised policies during the shutdown, such as allowing for processing and closings with income verification to follow, as long as the borrower has signed a Form 4506T requesting IRS tax transcripts. On loans requiring a Form 4506T Fannie Mae and Freddie Mac may adopt relaxed provisions allowing closings but subject to tax transcript verification before the GSE’s purchase the loans.

Government Sponsored Enterprises

During previous shutdowns, Fannie Mae and Freddie Mac have continued normal operations, similar to their regulator, the Federal Housing Finance Agency, since they are not reliant on appropriated funds. Fannie and Freddie may announce relaxed procedures that would permit closings to go forward without federal verification of Social Security numbers and IRS tax transcripts. However, lenders would still have to obtain federal verification of both before the GSE’s will accept loans for purchase. Any relaxed requirements would not apply to loan modification re-financings.

Rural Housing Programs 

The U.S. Department of Agriculture would not issue new rural housing Direct Loans or Guaranteed Loans. Scheduled closings of Direct Loans will not occur. Scheduled closings of Guaranteed Loans without the guarantee previously issued would be closed at the lender’s own risk. 

Social Security Administration 

The Social Security Administration will close, but checks will still be processed and distributed. According to the SSA Contingency Plan, verifying Social Security numbers through the Consent Based SSN Verification Service would be suspended. Fannie Mae and Freddie Mac are expected to adopt policies to allow for closing subject to subsequent verification and before GSE purchase of the loan.

 
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Allen Tate Mortgage’s team noted that the four types of government funded loans are impacted in the following ways:

  • USDA (Rural Housing Loans) – USDA will not issue any new rural housing Direct Loans or Guaranteed Loans. Scheduled closings of Direct Loans will not occur. All Guaranteed USDA loans must receive a commitment by USDA prior to closing. Lenders will be unable to close Guaranteed USDA loans during the shutdown, unless the lender has already received the commitment from USDA.

  • FHA Loans – FHA’s automated system is continuing to allow lenders to order case numbers, which are required for appraisals. In addition, FHA has a small team working to answer questions but there may be some delays due to short staffing.

  • VA Loans – VA loans are not impacted at this time. Veterans are encouraged to apply for their loan with an approved lender of their choosing.

  • Conventional Loans (Fannie Mae and Freddie Mac) – We have been advised that loans sold to Fannie Mae and Freddie Mac, which make up the majority of the current mortgage market, are not affected directly.

Aside from home loans, there are 38 government departments affected. Unfortunately one of the most necessary government agencies is severly understaffed; the IRS is involved in verifying information needed for many home loans is severly understaffed. The IRS is said to have 1 out of 8 workers on staff during the government shutdown.

Big News + BIG Blooms

Big News + BIG Blooms

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Copper Dwelling & Design, owner & designer, Brittany Kelly

We are so excited for 2018 and have tons planned for Copper Dwelling+Design. It's going to be a big year of growth and new ventures. First up, on the list of exciting things being released, is an idea we've been working on for months, while thinking of ways to set ourselves apart from others. Something unique, useful and, well, "US".

What is an item that makes a great closing gift for Michael's Real Estate clients? What would be a great gift to say Thank You for trusting me with your home or business design? Well, after months of researching and brainstorming, we've birthed something to tickle our fancy. It's colorful, warming, stylish, great in every room, and highly uncommon.... 

Say hello to Copper Dwelling's newest offspring, available in February 2018 

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Have you ever seen a life-size bouquet? Well... neither have we. Who wouldn't want this amazing glory? Enough flowers to spread the love to every single room in your house. After each closing, Real Estate Clients will have a personal delivery from Copper Dwelling+Design. Design clients, (In my best Oprah voice), you get flowers & you get flowers! As a thank you for trusting us with your home or business, you will receive a one of a kind special delivery! 

Special Orders are available for the extraordinary person in your life. Prices starting at $150.

We're super excited and can't wait to start delivering the goodness all over town. We hope you'll enjoy them. Be sure to subscribe below and follow us on social media to hear the next exciting news!

Where Did The Name Copper Dwelling & Design Come From?

Where Did The Name Copper Dwelling & Design Come From?

Just about once a week, the question of "What's with the name", gets asked. It's a really simple answer but always a good conversation piece. Well, the answer is... Our house is all Copper. Built in 2003, by Architect & Interior Design Professor at Winthrop, Greg Tew, the home is a one of a kind here in the Southeast. The copper Tew used was bought as flat pieces, which he took to a fabricator to turn the edges of the pieces so they would fit together.

They used more than 700 pieces of copper, each four and a half square feet. Tew would put up about 70 to 80 pieces a day, involving joining the pieces, then lining them up on the house. The difficult part of using the material was making sure it was level, a tricky task because the house is three levels. They had to wear gloves to put it up so the oils from their hands wouldn't tarnish it. The house is built in the dogtrot style, an old Southern style, where two boxes are separated by a wood porch. It was created from the single-room log house.

When the family outgrew the house, they added on a second house next to the first. The two buildings were joined by a common roof and a connecting wooden floor. The style allows air to breeze through. Over the years, the house will go through a series of color stages, showing purple swirls, russet to light brown, then chocolate shades to its ultimate color, a blue-green patina. The house is an ever changing work of art and design. 

When at neighborhood functions or events around town, we're often introduced as "The family in the Copper House". For years, this was the case. It became our adjective. So 3 years ago, when deciding a name for our Real Estate & Design Company, the descriptive words used for the past several years seemed like the perfect choice. Therein lies the birth of Copper Dwelling & Design. Stop by sometime and check it out. At our last research a few years ago, and as far as we know, it's the only copper cladded house in the Southeast. 

Our Latest snow this week. It's a rarity here in South Carolina.

The Hats We Wear & Keeping An Attitude of Gratitude

The Hats We Wear & Keeping An Attitude of Gratitude

Brittany Kelly, owner & designer: Copper Dwelling & Design


Oh the many hats we wear. I get asked daily, " how do you do it all?" Truth is... I don't. Some days I do it really well and some days I fail miserably. The holidays are a time that we are reminded of gratitude. I look back over the past few years and I have so much to be thankful for yet so much seems like a blur. It's funny when you pause and think about all the things you've said yes to. At this very second, I'm a wife, a mom to 3 vivacious girls, an interior designer, PTO Vice President, Board Member of Early Learning Partnership, Co-founder of an Activist group, and my neighborhood's Empowerment Leader. These are just my current official titles. These don't include the unofficial hats I wear as my husband's assistant, our tax preparer, the maid, the cook, the taxi, the tutor, the caretaker and family peace mender. 


When I type this out I understand why I feel so tired all the time. I understand why I go through the drive thru so much and have gained 25 lbs in 5 years. I understand why most days I wear no makeup and a messy bun. I understand why I drop the ball sometimes on a project or why I procrastinate. I'm slowly having to learn how to be a "no thank you" person. Although, since my marriage counselor told me years ago, to stop saying yes, I believe my list got longer. My problem is, I'm passionate about a lot of things and they're all things I want to be apart of. I just have to learn to be thankful for the opportunities and the lessons that I've learned along my path. 


Michael and I have been blessed to be able to work together towards a career dream. We are entrepreneurs and have had some very successful ventures and some total flops! Since our marriage almost 13 years ago, we've owned 6 businesses, some simultaneously and others not. The good news is, we're still standing but with greater knowledge than ever and more precious souls in our lives. If anyone came to me and told me I got a do-over, I would kindly turn it down. The people we have met along the way and the hard lessons learned, are what made us who we are today. I feel we can weather anything thrown our way including a 2008 collapse of an economy. 


November is always my month of reflection on the past and my motivator for the next year. What can I do better, what should I continue to do, and what are my top "too important to let go" things? Through it all, I find my gratitude in each obligation. I think of the struggles I conquered, the sleepless nights of wondering how will I fit it all in the next day. When I reflect on these days, I'm reminded that somehow, someway we survived. We may have had McDonalds for dinner. The kids may not have gotten a bath every night or a bedtime story, but they were loved. Our kids, for the most part, just go along with the flow. It's all they've known. Lola grew up in a pack-n-play in our gift shop/wine bar. She sat in her car seat in my spa's reception room, sleeping, while I worked giving massages.


Don't try to fit some mold. Don't worry if every day isn't perfect. I've found those are the days that are most memorable and the ones you look back on and laugh at the most. Michael nicknamed me "Mother of the Year" (sarcastically). I live up to it daily. I believe it all started when we flew to Dallas when Lola was about 5 months old and we ran out of diapers. I made her one out of paper towels and blue painters tape, until we could get to a store to buy some. You know what, it's a great picture that I look back on and think , man we were ingenious.
Trust me, I wish there were days where I could do nothing. I'm sure those days will come when my girls head off to college. In the mean time, I'm going to follow my chaos.

As long as my passion flame is still lit inside of me, I'll try to be the best I can. Understand my best may not be stellar. I will continue to be grateful for the chance to get to do what I love and surround myself with friends and family who make me laugh. Get rid of anything that is toxic in your life. They tend to blur your happiness and it's hard to see the gratitude you have for life when toxic people, habits or commitments get in the way. I encourage you for the month of November to journal nightly, just one or two sentences. Write down something that happened to you that day that you are grateful for. It's fun to look back to years past and reflect on those things. They shape you. #attitudeofgratitude  

6 Rules For Decorating Your Mantel

6 Rules For Decorating Your Mantel

Copper Dwelling & Design's Tips for A Well Thought Out Mantel

October 10, 2017

Welcome Fall! Ahhh.. nothing speaks to me in fall like a chai latte, pumpkin pie and a warm, inviting mantle. It's taken me a bit to get in the fall mood this year with 90 degree weather, here at home, in SC. This week though, we got our first dreary day in 3 weeks. Out popped my mood to decorate for fall. It never fails that every time I start decorating a mantle, I hear a nagging voice ( no not nagging ) just a matter of fact voice screaming at me " taller to the left"! You see, I grew up with a grandmother and mom who owned a gift store and home goods business for over 30 years. Their store was Crate & Barrel, Anthropology & Pottery Barn, before their time. Each room was decorated like a room in your home and everything was for sale. From furniture to coffee, table settings and soap, it was a one stop shop for any and all things home. I was born in that ol' store and spent just about every day there. I was never too young for inventory or decorating in the back rooms. They "let" me do what I wanted. It never failed that they would stroll through, while I was in decorative mode and say "taller to the left". Trust me, as a decorator now, I struggle with this sometimes, mostly when it comes to bookshelves, this saying does not ring true, but I have found, with about 90% of mantles, it's definitely true. 

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Now that we have the #1 rule stuck in your head, it's time to gather your things. My favorite part of a house is the fireplace. It's your chance to express who you are. The fireplace should always be your focal point in a room. If you are lucky enough to have a fireplace, show her some love!

Rule #2- Odds are more visually appealing than evens. The only exception I have to this rule is 2 bookends or 2 large candlesticks on either side, or 2 vases. Depending on the size of items you've picked and how many items there are, you can lay them out on the floor. If you have 3 larger items Ex: 3 different size pictures; you'll want to place the largest of the three in the center and the next to largest on the left and shortest to the right. 

My #3 rule to a perfect mantle is nature! Every mantle could use a touch of the outdoors. This can be a floral wreath, a vase with a few sprigs of something green or colorful, a potted plant etc. It's soothing to the soul to have something green in your home and especially around your fireplace. One is usually enough, unless you are balancing out your mantle with 2 of the same containers or vases. Gadgets. Trinkets. Littles. Oh My!

#5 and one of my most fun parts of decorating a mantle, is finding those tiny items that you just love. Whether you found them at an antique store or they were passed down to you or your kiddo made them in art, this is your chance to showcase them. Pull them out from the cabinet and let it be your conversation piece. Don't overdo this step. I have seen some try to put up a full on collection of figurines. Don't do it! The only time that looks good is if it's a bunch of glass bottles. Three items should be enough. Remember your Odds vs even rules will apply here.

#6 Rule to a perfect mantle is levels. Use books laying down or a neat decorative box to elevate a trinket or 2. I usually will put one item on the book and one on the mantle to give it variation like the picture below. Notice the odd numbers, different heights and green items with a focal point in the center. 

 No matter your style, you are sure to have a few amazing pieces laying around your home, that are screaming at you to showcase them. Now is your chance. So grab a few hours and enjoy putting your mantle together! Happy Fall Ya'll