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How a Home Builders Loan Differs From a Regular Mortgage

2 months ago
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When you decide to work with home builders on building a new house, you’ll probably start to look for ways to finance the project. Loans for newly built houses are slightly different from regular mortgages, so you should make sure that you’re aware of how the new construction loan process works.

Step 1: Create Your Plan

Before you talk to a mortgage broker, you should develop a vision for your new house. Decide on its size, scale, and location. Also, consider factors that might make the project more complex. For example, if you decide that you want solar panels or geothermal energy, then your project may require special sources of financing before it the home builders can get underway.

Step 2: Research Your Lending Options

Although new construction has increased significantly as available house inventory has sold down, many lenders got away from new construction during the economic recession. Some of these lenders left their clients without financing in the middle of the building project. Do some research to make sure that your lender has a good reputation.

In addition to ensuring that your lender is in good financial shape, you’ll also want to look for the best available interest rates when you’re shopping for a loan. To save time, a mortgage broker can research multiple lenders for you to find the best option.

Step 3: Conduct a Builder Review

Once you’ve selected an appropriate lender, your lender usually starts researching your chosen construction company by performing a credit check. … Read More

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Lighting Fixtures and Lamps – How to Get Better Selection, Quality and Prices

2 months ago
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Prior to the 1950s, the housing industry had a very basic view of the styles and décor which was made available to the average family. Very minimal thought was placed in the lighting décor of a building. The exceptions were hotels, government buildings, wealthy estates and the like. As more and more individuals and families were able to realize the American dream; the average family’s ability to put customized personal touches into the home began to become more common.

Fast forward to today and the options a home owner has available to them is truly astounding. Researching different styles and materials with respects to lighting and decorating can take several weeks or more, when building a custom designed home. Even if the home owner is just having a remodel done or Replacing some lighting fixtures, the task of sifting through hundreds of different lamps and then selecting complementary shades for those light fixtures can be daunting.

Big block home improvement stores have streamlined this process, but will usually have a limited selection of cookie cutter styled lamps and lighting fixtures. The quality of these samples can often be average to mediocre due to mass production and very limited quality control overseas. There is an excellent alternative.

There are well over a hundred different and distinct lighting manufacturers throughout the country and much more throughout the world. While no one lighting store can possibly stock every style and model, these shops will have a remarkable variety. It is quite probable that … Read More

Home Improvement

Hire the Best Handyman For Your Home Improvement Needs

2 months ago
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Having the name and contact information of a good handyman for your home improvement needs is all but a necessity for many people. A handyman is usually able to take care of some basic jobs that encompass many different types of home improvement projects. For example, a handyman can usually take care of basic plumbing issues such as fixing a leaky faucet or Replacing an entire faucet. Running the entire plumbing system, however, would typically be beyond the scope of a handyman.

A handyman usually could also undertake a basic wiring job that would be required if remodeling a room was on the list of home improvements. However, a handyman would likely not be experienced enough to rewire an entire house, unless they specialized in electricity. If you want a deck built, most likely a handyman can complete it for you. However, if you are building an addition to your existing house or building a new house entirely, a handyman is probably not going to be the best person for the job at hand.

Many states require that a handyman obtain a license before performing jobs as a handyman. The requirements for such licensing may vary widely from state to state. The requirements might also be different depending on if the handyman has an industry of expertise or a more general background. Many states also require a handyman to be bonded before performing any work as a handyman. This is to protect you, the consumer, from shoddy, improper, or dangerous … Read More