Install white window shades, drapes, or blinds to reflect heat away from the house.
The Federal Housing Administration works to make homeownership a possibility for more Americans. With the FHA, you don't need perfect credit or a high-paying job to qualify for a loan. The FHA also makes loans more accessible by requiring smaller down payments than conventional loans. In fact, an FHA down payment could be as little as a few months' rent. And your monthly payments may not be much more than rent.
Keep on budget by using luxury material sparingly. Reserve the island for an expensive granite countertop, for example, while using more affordable materials elsewhere. Don't overlook butcher block and stainless steel.