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Thursday, April 26, 2007

 

Inspections on New Construction - New Homes Are Not Perfect

It is a common belief that new homes are fault free. The truth is that all types of new construction should have third party inspections performed to ensure that your home is being built with quality standards.
Most major cities in the United States enforce a required number of inspections at different stages of the process. Many builders of residential real estate will cite these inspections as being the reason why inspections aren't necessary.
Time and time again, regardless of the number of city inspections, real estate consumers purchasing new construction commonly find problems after moving into their homes within 5 years. Many times, these problems can be attributed to a defect during the build process of their home. Unfortunately, consumers are forced to rely on the warranties provided by their builder. This home warranty process has been known to be time consuming and stressful.
What can you do when buying a new construction home? Get your own inspection. Inspections can be performed in two key areas during the construction of your home; pre-drywall and final walkthrough.
Pre-Drywall InspectionBefore the drywall has been installed in your home, ask your sales counselor or real estate agent about performing an inspection. At this stage of your construction, main load bearing studs, wiring, and plumbing can be easily seen by an inspector. Builder sales counselors will usually recommend that you perform your inspection prior to your pre-drywall walkthrough so that all items found on your inspection report can be addressed with your builder's superintendent (the person managing the build out of your home).
Pre-Walkthrough InspectionIf you performed a pre-drywall inspection, this follow up visit by your inspector will simply be an assurance that all items requiring repair were repaired or replaced. This inspection will also verify that appliances, fixtures, and building code violations are reported and given to you to provide to your builder.
Many new construction builders of residential properties will not bring up your options to an outside inspection for your new home. Performing one, however, is highly recommend and can offer a significant piece of mind to you and your family well into the future.

 

Buiding Homes - Why Choose Las Vegas

If you are planning to build a home, Las Vegas can be a very good option for you. This place s full of happening and it offers everyone a choice of living a lifestyle of one’s own.
This city is a attraction for tourists also. This city will provide you nonstop excitement and unforgettable recreation.
It is an ideal place for those who want to enjoy their life nearer to nature and for those who want a lot of happenings in their life as well. So this city has so much to offer.
If you are a sports freak, be happy because Las Vegas is full of green and beautiful golf courses. This city has a lot of professional golf clubs that have a lot of things to offer you.
Las Vegas serves those too who want to relax here. The city is full of very good and international quality hotels. Anyone can enjoy the peace and hospitality in the hotels.
For people who like to undergo thrilling experiences, Las Vegas has two roller coasters. These roller coasters are situated on the top of the stratosphere hotel, approximately nine hundred feet above in the air.
So, Las Vegas is a very good and happening place and has a lot of things to offer you. Living in Las Vegas will surely make you feel good. If you are really interested to build a house in Las Vegas, do a little research on internet.
Internet has a lot of information to feed your need. You can at least have an idea about how much it will cost you to get you a house in Las Vegas, And then you can make a choice easily.

 

Some Fun Facts About Las Vegas

Las Vegas is a place to live. Here we present some of the fun and amazing facts about Las Vegas.
On May 15, 2005, Las Vegas Celebrated its 100th birthday. On this day, 110 acres of plots were auctioned. All this happened in the city of downtown. In 1910, gambling was illegal in Las Vegas. Later on gambling could come up as legalized gambling. The court approved gambling as legal in 1931.
Golden gate hotel was the first hotel in Las Vegas. The first casino in Las Vegas was opened in 1906.
Hoover dam, which was made in 1935, was made with the workforce of 21,000 men working for five years.
The famous “Welcome to Las Vegas” sign that you have seen was made in 1959. Betty Willis takes the credit of making that sign.
More than five thousands people keep moving to Las Vegas on monthly basis.
Clark county school district, which manages 280,000 students currently, is the fifth largest school and Las Vegas is considered to be the home to this district.
The amazing thing is, that the Las Vegas Strip mostly is not situated in Las Vegas. The major part of it exists in Clark.
If you are thinking of getting a marriage license in Nevada, it is going to cost you 55 dollars. But the best part about Nevada is that no blood test or waiting is to be undergone.
Fremont Street once was closed for a year. In 1994, it was closed due to high traffic. It was opened again in 1995.

 

LAs Vegas - The Right Choice For Your Dream Home

Las Vegas is among the most popular cities in America and it is known as the fastest growing city too. Having a house in Las Vegas is always an intelligent decision. Buying a house in Las Vegas is all about vision. Buying a house in a city that is one of the fastest growing cities in America can surely benefit you for what you pay for it that's why we call it a vision.
Las Vegas is full of growth and it is an exciting place. It has become Mecca in the area of home construction. You can find almost every type of house or you can build as well.
You can easily find agents here that can give you right guidance and help you to buy a house of your choice.
But before you go and buy one try to get some information about Las Vegas real estate online. When you have an idea how things can work, you can start finding a house. There are a lot of advantages of buying a house in Las Vegas.
This is an ideal place for sports lovers. Las Vegas is full of enthralling golf courses. So the essence of suggestion is, you have a lot of things to do here if you are a sports freak.
So this place is becoming popular like anything. People are hunting this place. This place is a center of attraction for tourists also, so you can imagine the standard of your life in such a city.
We hope that in near future, it is going to emerge as one of the most expensive places. So those who hit this place early will be earning a lot.

 

Choosing A Builder For Your Custom Home

If you have not been able to find the perfect house on the market and you decide to build on a vacant lot, you’ll be faced with a very important decision – choosing a builder. Your builder is someone you are going to have an ongoing relationship with for about 12 months. There will be some bumps in the road as the process unfolds; and you must have an open and frequent line of communication and share a common goal and vision that goes beyond the blueprints for your new home. Start your search by asking your real estate agent for a few referrals. He or she will have local knowledge about area contractors, their reputation and the quality of their work. Once you have some direction, here are a few basic tips to help choose a builder and keep your project on track:
Get references - and don’t hire a builder until you have visited 2 or 3 other houses completed by the builder. Ideally, get the address of every house the builder has built in the last 2 or 3 years and contact several of the owners randomly. Don’t expect a perfect report card. Building a house is tough business and it is almost impossible to make a homeowner happy at every turn. Ask what each owner might have done differently if they could build the house all over again.
Pick a day and time to meet with your contractor each week and in person. Don’t ever miss this meeting - it will keep the project on track, keep costs and changes to a minimum and establish a great working relationship. Make sure that all “change orders” are reviewed and signed during the meeting. Above all, make sure that your builder agrees in writing to the weekly meeting in your contract.
Visit the builder’s other working job sites to make sure that they run a tight ship. Specifically, look to see if unused materials are organized and protected from the weather. Make sure that there is some evidence of a temporary workspace to review plans. Insure that garbage and construction waste is routinely removed from the job site. Also, investigate to make certain that work begins and ends each day on a regular schedule – same time, every day.
Make it clear to your builder that you expect progress every day of every week. Your money is being used to build a house that you cannot move into until it is completed. A day of inactivity at the site costs you money and you deserve progress in exchange for that money.
Don’t expect your builder to have a crystal ball. Do expect some minor deviations from what is planned. You will have fewer surprises cost-wise if you take the time to make sure that every possible item is included in the construction price. Before making a commitment to use any builder, make sure you have a comprehensive list of what is included in the price and what is not included in the price. If you add something extra in mid-stream, that will result in additional time and expense to the builder. Don’t expect changes for free.
Building a house can be a great experience. Chances are, if you take this advice, you will move into your new house on time, within budget and as a happy customer. The builder will be happier at the end also.

 

Before You Build A New Home

Buying or building a new home should always be a memorable and cherished experience. Unfortunately, it is not so for most people. This is because you as customers should be aware of certain loopholes the builders try to cover up. Lack of awareness of this, will result in a nasty experience.
Some of the things to be aware of are:
Constructors are always on the lookout for the cheapest ways to get the work done. A business will always place the bid in the hands of the lowest bidder while handing out work. Hence, never believe the builders when they say that they use the ace craftsmen in town. The reality is that they go in for the cheapest labor available, many a times hiring unskilled people with no experience. However this may not be true in the case of certain long standing builders who have their fixed team of workers throughout the year.
Before signing the deal, always have an attorney carefully scrutinize the terms and conditions. Look out for the options you have in case of a defect or malfunctioning. Never sign the contract if the builder is not legally bound to fix the defect or sort it after you move in.
Before moving in, it is beneficial to take your own certified home inspector to check for abnormalities and general quality inspection. Never trust the inspectors got by the builders. In most cases they are either unlicensed or hand-in-glove with the builder. These inspectors just come as a formality and are rarely bothered to check for the defects present. The government or county inspectors are generally worse. You must realize that they are so loaded with work that they can hardly spare 15 minutes per house. Also they are more concerned about health and hygiene conditions than labor defects.
Do not believe the sales representatives of a builder as they are generally not licensed or regulated by the state. So they go about making false promises. Never sign the contract before verifying all the said claims and better still, take them in writing.
With builders facing a land crunch, a lot of reclamation work is being done swamps and marshy areas and builders are building on them. These are not favorable areas to have the foundations of your house sunk into.
A lot of states have different rules so always beware of what happens to your token money in case you decide against going forward with the deal. Never assume the course of action and always take it in writing from the builder. You do not want to forego all your earnest money if you back out of the deal.

 

Tips For Building a Log Home

Log homes have a long and valued tradition in the United States and other countries, and despite our modern age, they've never really gone out of style. In fact, they're more popular today than ever. In our busy stressful lives, more and more people want a first home, vacation home, or retirement home that's off on a piece of land of their own, away from the hustle and bustle of the city. If this sounds appealing to you, and you're seriously thinking of taking the plunge and building a log home, let's talk about some tips that can save you time and money.
First off, buy the land on which you're going to build. Do this before you make a commitment to a log home manufacturer or decide on a particular design. Often the lay of the land will dictate the best way to go about building a home on it. (And going against the lay of the land will only cost you money and trouble.)
Second, have a realistic idea of how much the total project will cost before you sign up for a log home package. What they quote you for the kit and what the actual costs will be are going to be a lot different. To get a feel for how much more you'll end up paying once labor and non-kit necessities are included, talk to builders, contractors, and other homeowners who have built a log home. Don't be afraid to ask the manufacturers how much actual costs tend to run in your area.
Whether you're browsing kits or planning to have an architect design your dream home, keep a scrapbook of pictures and clippings in the months leading up to your purchase. Trying to say everything you want in words can be difficult, but if you can point to a picture and say "do the kitchen like that and the bathroom like that..." you'll be more likely to get the home of your dreams. Don't be afraid to spend months in the planning process, considering everything, before actually committing to a design.
Before you buy, check references. Look for a log home manufacturer that is a member in an organization such as the Log Homes Council. This means they have a comprehensive construction manual and have agreed to hold up to certain log-grading standards.
Make sure you've taken care of financing before starting construction (and make sure that financing will cover the cost of the whole project--there are too many tales of partially finished log homes out there that have been abandoned because the erstwhile builders ran out of money). Some home buyers with disposable income will start the process paying out of pocket and then try to get a construction loan when they run out of cash. This is a bad idea, since lenders usually refuse to loan money on construction that is in progress.
Make sure you understand the manufacturer's terms of purchase and that your financing covers those terms. Especially pay attention to the time period of the agreement (and what happens if you exceed the time limit). Examine the refund and warranty policies.

 

Searching For Benidorm Propertry

The growth in Benidorm has been occurring at a rapid rate. There are many reasons for this. It ranges from people building a vacation home to those that are using the property as an investment to use as rental or lease property.
Here are some tips for buying property in Benidorm, Spain. First do your research. Look into potential areas of growth as well as locating the hot spots. Look at the trends and determine where people are buying the most property or which section is the most likely to be developed so as to attract the most people if you are looking at investment property. Look at the location and talk to local realtors to determine where the best spot will be.
Make sure that you go and look at several areas on your own to determine what you view to be the best investment. Look into making multiple trips or making multiple stops on a single trip in order to help you in your decision making process.
Make sure you know how much you can spend when you are looking into getting these properties. Determine your limits and figure out how much house or rental property that you will be able to maintain. You do not want to lose your primary property in the process as it will in most cases be used as collateral.
When you do decide to go and visit different locations on your visit to Spain make sure that you use a real estate agent. They will be able to get you in and out of properties easier as well as be able to set up multiple visits in one day. If you do not speak Spanish, be sure to locate an agent that speaks your language.
Make sure that you have an attorney who is familiar with real estate law in Spain to make your purchase go smoother. This will make your Benidorm property purchase smooth and easy.
Determine If You Will Rent Or Own In Benidorm
Make sure that if you will be renting during your visit that you do book far enough in advance so as to secure the property that you want to use while you are there. Make sure you know when the peak seasons are on the Costa Blanca so as to determine what will work best for you.
If you want to own and do not want to live in n area that is very busy you may want to consider looking into one of the outlying areas of Benidorm.

 

Accessible Home Design

Start In The Kitchen
Making a house more accessible isn’t particularly difficult or expensive. You might even have some universal design principals at work in your kitchen now.
“Side-by-side” refrigerators are more usable by a person in a wheelchair - unlike a unit with the freezer mounted on top. Inside the refrigerator, sliding shelves eliminate the need to reach all the way to the back to retrieve what you want.
A very common disabling condition associated with aging is reduced physical strength, which can make cooking in a large pot difficult if it has to be lifted into and out of the sink to fill with water. Instead of a standard kitchen faucet, install a “goose-neck” spout that allows the pot to be filled without lifting it into the sink. And place the cooktop nearby so that the pot can be easily slid across the countertop to the burner – no lifting required.
The latest in dishwasher design is the “drawer” type like those from Fisher & Paykel and KitchenAid. Drawer dishwashers don’t require as much bending over to load and unload and because there’s no door in the way, they’re more easily used from a sitting position.
Staying Home
As the American population ages and as housing prices escalate, many homeowners are trying to stay in their homes longer. Too often however, family homes are primarily designed for young families and become rapidly obsolete when they can no longer provide the convenience and safety that older citizens need. It’s an unfortunate result of a “disposable home” mentality – but that’s a topic for a future article!
A few simple design changes can make almost any home better able to support changing lifestyles, as ease of use and safety become important issues. One of the easiest is the installation of blocking for grab bars at appropriate places in the bath when the house is built. These simple and inexpensive structural supports are used for the future installation of grab bars, which provide increased safety in showers, tubs, and at toilets.
Another easy change is using “lever-type” door hardware - popular because of its looks and ease of use but also a requirement for persons with reduced strength or restricted mobility. Widening the doors a few inches can also extend the useable life of the house. Standard thirty-inch doors aren’t wide enough for wheelchairs and can be difficult for anyone with trouble walking. A thirty-six inch wide door solves both problems and makes moving furniture a lot easier, too.
Ups and Downs
Stairs are the biggest obstacle to making any home accessible. Typically, a fully accessible home must be all on one level – no stairs, step-downs, or even door thresholds. But a one-level home is more costly to build than a two-story and may require a larger property.
A better solution is a residential elevator. Sound expensive? Compared to the cost of a one-level home on a larger lot, an elevator is a very reasonable expense. It only adds about sixty square feet to the floor plan, and enables easy access to the first floor, the second floor, and the basement. Even better, only the elevator shaft need be installed now – the actual elevator equipment doesn’t have to be in place until it’s needed, maybe many years down the road.
Easier Than You Might Think
In most cases, accessible or universal design isn’t much more than good design sense and a desire to make houses usable by everyone – and isn’t that a worthy goal for any house, regardless of the current occupants? Our houses are sometimes a little too disposable – we can easily make them less so by making them more functional for a wide range of homeowners with and without disabilities. We’ll all benefit from design that helps people stay in their homes longer.

 

Live in Spain - Enjoy Life

Many people consider departing UK shores and creating a new life in Spain. Such a consideration is not limited only to those approaching retirement, but encapsulates the entire age spectrum; and those that do make the move find that they are stimulated and invigorated to adopt a new and refreshing alternative lifestyle. In excess of a half million people have purchased a property in Spain – and many have now made their home in the country.
But, what is the attraction of living abroad from the UK? Often, it is a growing element of dissatisfaction with living in the UK which often triggers the deliberation process. The most common complaint is the UK weather with its short summer period and lengthy dull winter; however issues such as security, congested roads, expensive living costs and the demanding pace of life are also becoming more prevalent considerations.
Once the decision to consider living in another country has been made, Spain rapidly becomes the number one choice. Spain was originally recognised as a place to spend holiday time, but recent years has seen Spain grow in stature as a country - particularly since joining the EU. Only a short two hour flight away, the people of Spain are warm, friendly, welcoming and accept those who arrive to develop the country. However, Spain has much more to offer potential property buyers than a warm welcome.
As a country, Spain is modern in outlook yet retaining an old world charm, and despite being a country five times the size of the UK, Spain has many obvious appeals, such as a lower population, an excellent communications network and a massive coastline, as well as mountains ranges in the north and inland all waiting to be explored. Meanwhile, all of Spain’s major cities have magnificent buildings, parks and museums to satisfy the most discerning culture vulture; while age-old traditions are maintained, with celebrations and fiestas occurring throughout the year.
Being a warm and substantially Mediterranean climate also has its advantages in dietary terms; masses of fresh, locally produced fruit and vegetables; an abundance of fresh fish caught the same day, and cooking with olive oil are all staples of typical Mediterranean cuisine. Furthermore, embracing the outdoor life also lends itself to a healthier lifestyle. All types of sport and leisure can be enjoyed in Spain, with football, basketball and cycling being especially ardent activities; additionally buying a Spanish property near to the coast affords the option of water sports. And of course, there is golf; courses are available for play every day of the year with no winter greens or course closures, and Spain boasts a superb choice of courses from nine holes to championship courses.
However, it’s not just the attractions that Spain offers that make it a popular choice. Everyday living costs are generally lower than in the UK, with the weekly food bill being the obvious one; as for motoring, not only is petrol cheaper but also road tax is lower. Plus, the need to heat a Spanish home is a rarity, thus considerably reduced heating costs are attained. Furthermore, Local authority service charges are also low in comparison to the UK.
Moving abroad doesn’t mean cutting yourself off from your friends and family left behind either. With the UK being only two hours flight time away, visits to family in the UK are easy, with an array of flights serving most UK airports. This travel time compares favourably with driving time from Manchester to London, for example, and can prove to be a lot less stressful.

 

Kit Houses - Building a Home in Less Than One Day

Would you believe that you could be looking at pictures of new homes in a catalog one day and just a few weeks later that one of these homes could be built for you from several boxes of materials? That is just how over 100,000 people built new homes across the United States during the period between 1908 and 1940. This offered affordable housing to people who would otherwise not have been able to own a home of their own. Also, when the boxes arrived at your door the home could be assembled and completed that day!
Many people received the Sears catalog and would look through more than a hundred different models to find the one that would suit their needs. They ranged in price from about $400 for a three room model without a bathroom to over $3,000 for a seven room home with oak doors, shutters, and a granite bath tub.
These homes were referred to as “kit houses” and were very popular during this time. Sears offered a payment plan, a cross between a credit card and a mortgage, so that people could live in the house while they were still paying for it. You could also pay extra to have a construction supervisor assist you with putting the kit together.
Other companies like Montgomery Ward and Aladdin also sold homes by mail, but Sears was the most well known and sold more than the others. This was seen as an affordable and quick way to build a house for your family. Entire neighborhoods across the United States consist of these homes. Sometimes a company needed housing for its workers and ordered a dozen or more at a time. Water and sewer lines were connected and the new neighborhood could be completed within a week of receiving the materials.
Today there are still kit homes available from many companies that specialize in them. They are primarily used as vacation homes or cabins. Many communities prohibit manufactured homes in certain areas of town because of the belief that they will bring down property values.
Sears destroyed many records over the years so it is now impossible to find all of the homes. There are people who have made a hobby of locating them and listing them as historic buildings. Many times someone currently living in a kit home is not even aware that their home is of that type.
This is another part of the history of home building across the United States. The American dream of owning a home can take on many different forms and this is just one of them.

 

Building Codes And Remodeling

Building codes are regulations that control almost every aspect of home design and construction. Every new home, remodeling project, or room addition must be designed and built in accordance with the codes that regulate the structural design, energy efficiency, construction quality, and overall safety of structures occupied by the public.
Codes dictate the size and configuration of stairs; the number and type of windows and glass; the amount of energy the house consumes; methods and materials of construction; the location of smoke detectors; and hundreds of other items.
A new homeowner may only be minimally aware of the impact of building codes on his home, since most code issues are addressed before he occupies it. But homeowners undertaking a remodeling or room addition are likely to become very familiar with how building codes affect the design, construction, and cost of their project.
That's because building codes often require work to be done to parts of the house that seem otherwise sound - it can be an unpleasant surprise to find that you've got to tear out the ceiling of a room in which you'd planned no significant work.
Below are a few of the larger code-related issues often encountered in home remodeling, and some suggestions on how you can plan for them.
More Power!
It should be assumed that any home more than thirty years old will require an update of the electrical system. Usually the culprit is too little power to serve the needs of modern life; current electrical codes require about three times the number of power outlets than a few decades ago.
These additional outlets will necessitate a larger electrical panel, which may in turn require a larger electrical service (more power!).
Unfortunately this is a hard problem to avoid. If you're planning to add on or remodel, be sure your contractor budgets for an electrical upgrade.
What's Holding You Up?
The older a home is the less it's likely to meet today's codes for structural strength. If work is done in an area of original construction, the structure will probably need some reinforcing - even if the structure's been standing solidly for years.
Any remodeling that exposes existing structure or changes the way loads are distributed on the floors and walls will require a review of the home's structure. Additions also often cause structural changes as existing supports are altered or removed to make way for the new work.
But reworking the structural elements of a home often plants a bigger (and more expensive) obstacle in the way - the necessary relocation of existing electrical wiring and ductwork that may be routed through the framing. It's part of what's called the "ripple effect" - a small change in one area ripples throughout the house. Whenever possible, minimize the ripple effect by designing an addition that doesn't disrupt the house's structure and by remodeling existing rooms without moving walls.
Where there's Smoke...
Smoke detectors are of two types, battery powered and "hard-wired". Hard-wired detectors are powered from the homes' electrical system, and are interconnected - when one goes off, they all go off. Residential codes require that all new homes have hard-wired detectors, and most jurisdictions require their installation throughout the home when any part of it is remodeled.
Carbon monoxide detectors are a new addition to many local codes. According to the Journal of the American Medical Association, carbon monoxide is the leading cause of accidental poisoning deaths in America. CO2 detectors are similar in appearance to the more familiar smoke detectors and cost about $40 retail.
Plan on being required to add both smoke and carbon monoxide detectors to any significant remodeling or addition project.
Watch Your Steps
Stairs are probably the single most dangerous part of any house. Accidental falls on stairs happen for many reasons (each year about 239,000 or 9% of all stair accidents happen to women in high heels and children). In the past several years, residential stair requirements have been gradually increasing to make stairs less steep and easier to negotiate.
The least restrictive stair geometry allows a maximum step height ("riser") of 8 ¼" and a minimum step depth ("tread") of 9". Code writers are in the process of decreasing the riser height to 7" and increasing the tread depth to 11", resulting in a much less steep stair and hopefully, improved stair safety.
But these safer stairs are also larger - be sure to know the stair codes in your area before you lay out the design of your project.

Friday, April 20, 2007

 

Home Construction - Is My Bathroom At The Right Place

If you are going to build a house now, we have a lot of things to tell you. We, however, do not claim that whatever we are telling has a certain scientific explanation for it.
In India, this science of making house according to the directions is called ‘Vaastu Shastra’. It is believed that, if you construct your house as per its rules, you will observe the happiness in your home.
This rulebook says that your day to day life problems can be related to your bad house design. So it’s better if you go for a design as per the guidelines given in this book.
According to 'Vaastu', the universe is made of five elements known as Earth, Water, Fire, Air and Space. The orientation of a building is related to the nine planets as described in astrology. So, proper orientation will lead us to a happy life. Wrong orientation can, however, lead us to even disaster.
We need to understand the eight directions as described in books, that are east, west, north, south and four directions in between. Northeast, northwest, southeast and southwest are considered to be the house of water, air, fire and earth respectively.
So now it is clear that a bathroom should be in a north east direction. If it is situated in a wrong direction like southeast, it is likely to give bad results.
To know more about ‘Vaastu’, do a little research. You can even hire a ‘Vaastu specialist’ to advise you now a days. These specialists are very popular in India today.

 

Inspections on New Construction - New Homes Are Not Perfect

It is a common belief that new homes are fault free. The truth is that all types of new construction should have third party inspections performed to ensure that your home is being built with quality standards.
Most major cities in the United States enforce a required number of inspections at different stages of the process. Many builders of residential real estate will cite these inspections as being the reason why inspections aren't necessary.
Time and time again, regardless of the number of city inspections, real estate consumers purchasing new construction commonly find problems after moving into their homes within 5 years. Many times, these problems can be attributed to a defect during the build process of their home. Unfortunately, consumers are forced to rely on the warranties provided by their builder. This home warranty process has been known to be time consuming and stressful.
What can you do when buying a new construction home? Get your own inspection. Inspections can be performed in two key areas during the construction of your home; pre-drywall and final walkthrough.
Pre-Drywall InspectionBefore the drywall has been installed in your home, ask your sales counselor or real estate agent about performing an inspection. At this stage of your construction, main load bearing studs, wiring, and plumbing can be easily seen by an inspector. Builder sales counselors will usually recommend that you perform your inspection prior to your pre-drywall walkthrough so that all items found on your inspection report can be addressed with your builder's superintendent (the person managing the build out of your home).
Pre-Walkthrough InspectionIf you performed a pre-drywall inspection, this follow up visit by your inspector will simply be an assurance that all items requiring repair were repaired or replaced. This inspection will also verify that appliances, fixtures, and building code violations are reported and given to you to provide to your builder.
Many new construction builders of residential properties will not bring up your options to an outside inspection for your new home. Performing one, however, is highly recommend and can offer a significant piece of mind to you and your family well into the future.

 

Buiding Homes - Why Choose Las Vegas

If you are planning to build a home, Las Vegas can be a very good option for you. This place s full of happening and it offers everyone a choice of living a lifestyle of one’s own.
This city is a attraction for tourists also. This city will provide you nonstop excitement and unforgettable recreation.
It is an ideal place for those who want to enjoy their life nearer to nature and for those who want a lot of happenings in their life as well. So this city has so much to offer.
If you are a sports freak, be happy because Las Vegas is full of green and beautiful golf courses. This city has a lot of professional golf clubs that have a lot of things to offer you.
Las Vegas serves those too who want to relax here. The city is full of very good and international quality hotels. Anyone can enjoy the peace and hospitality in the hotels.
For people who like to undergo thrilling experiences, Las Vegas has two roller coasters. These roller coasters are situated on the top of the stratosphere hotel, approximately nine hundred feet above in the air.
So, Las Vegas is a very good and happening place and has a lot of things to offer you. Living in Las Vegas will surely make you feel good. If you are really interested to build a house in Las Vegas, do a little research on internet.

 

Some Fun Facts About Las Vegas

Las Vegas is a place to live. Here we present some of the fun and amazing facts about Las Vegas.
On May 15, 2005, Las Vegas Celebrated its 100th birthday. On this day, 110 acres of plots were auctioned. All this happened in the city of downtown. In 1910, gambling was illegal in Las Vegas. Later on gambling could come up as legalized gambling. The court approved gambling as legal in 1931.
Golden gate hotel was the first hotel in Las Vegas. The first casino in Las Vegas was opened in 1906.
Hoover dam, which was made in 1935, was made with the workforce of 21,000 men working for five years.
The famous “Welcome to Las Vegas” sign that you have seen was made in 1959. Betty Willis takes the credit of making that sign.
More than five thousands people keep moving to Las Vegas on monthly basis.
Clark county school district, which manages 280,000 students currently, is the fifth largest school and Las Vegas is considered to be the home to this district.
The amazing thing is, that the Las Vegas Strip mostly is not situated in Las Vegas. The major part of it exists in Clark.
If you are thinking of getting a marriage license in Nevada, it is going to cost you 55 dollars. But the best part about Nevada is that no blood test or waiting is to be undergone.
Fremont Street once was closed for a year. In 1994, it was closed due to high traffic. It was opened again in 1995.

 

LAs Vegas - The Right Choice For Your Dream Home

Las Vegas is among the most popular cities in America and it is known as the fastest growing city too. Having a house in Las Vegas is always an intelligent decision. Buying a house in Las Vegas is all about vision. Buying a house in a city that is one of the fastest growing cities in America can surely benefit you for what you pay for it that's why we call it a vision.
Las Vegas is full of growth and it is an exciting place. It has become Mecca in the area of home construction. You can find almost every type of house or you can build as well.
You can easily find agents here that can give you right guidance and help you to buy a house of your choice.
But before you go and buy one try to get some information about Las Vegas real estate online. When you have an idea how things can work, you can start finding a house. There are a lot of advantages of buying a house in Las Vegas.
This is an ideal place for sports lovers. Las Vegas is full of enthralling golf courses. So the essence of suggestion is, you have a lot of things to do here if you are a sports freak.
So this place is becoming popular like anything. People are hunting this place. This place is a center of attraction for tourists also, so you can imagine the standard of your life in such a city.
We hope that in near future, it is going to emerge as one of the most expensive places. So those who hit this place early will be earning a lot.

 

Choosing A Builder For Your Custom Home

If you have not been able to find the perfect house on the market and you decide to build on a vacant lot, you’ll be faced with a very important decision – choosing a builder. Your builder is someone you are going to have an ongoing relationship with for about 12 months. There will be some bumps in the road as the process unfolds; and you must have an open and frequent line of communication and share a common goal and vision that goes beyond the blueprints for your new home. Start your search by asking your real estate agent for a few referrals. He or she will have local knowledge about area contractors, their reputation and the quality of their work. Once you have some direction, here are a few basic tips to help choose a builder and keep your project on track:
Get references - and don’t hire a builder until you have visited 2 or 3 other houses completed by the builder. Ideally, get the address of every house the builder has built in the last 2 or 3 years and contact several of the owners randomly. Don’t expect a perfect report card. Building a house is tough business and it is almost impossible to make a homeowner happy at every turn. Ask what each owner might have done differently if they could build the house all over again.
Pick a day and time to meet with your contractor each week and in person. Don’t ever miss this meeting - it will keep the project on track, keep costs and changes to a minimum and establish a great working relationship. Make sure that all “change orders” are reviewed and signed during the meeting. Above all, make sure that your builder agrees in writing to the weekly meeting in your contract.
Visit the builder’s other working job sites to make sure that they run a tight ship. Specifically, look to see if unused materials are organized and protected from the weather. Make sure that there is some evidence of a temporary workspace to review plans. Insure that garbage and construction waste is routinely removed from the job site. Also, investigate to make certain that work begins and ends each day on a regular schedule – same time, every day.
Make it clear to your builder that you expect progress every day of every week. Your money is being used to build a house that you cannot move into until it is completed. A day of inactivity at the site costs you money and you deserve progress in exchange for that money.
Don’t expect your builder to have a crystal ball. Do expect some minor deviations from what is planned. You will have fewer surprises cost-wise if you take the time to make sure that every possible item is included in the construction price. Before making a commitment to use any builder, make sure you have a comprehensive list of what is included in the price and what is not included in the price. If you add something extra in mid-stream, that will result in additional time and expense to the builder. Don’t expect changes for free.

 

Before You Build A New Home

Buying or building a new home should always be a memorable and cherished experience. Unfortunately, it is not so for most people. This is because you as customers should be aware of certain loopholes the builders try to cover up. Lack of awareness of this, will result in a nasty experience.
Some of the things to be aware of are:
Constructors are always on the lookout for the cheapest ways to get the work done. A business will always place the bid in the hands of the lowest bidder while handing out work. Hence, never believe the builders when they say that they use the ace craftsmen in town. The reality is that they go in for the cheapest labor available, many a times hiring unskilled people with no experience. However this may not be true in the case of certain long standing builders who have their fixed team of workers throughout the year.
Before signing the deal, always have an attorney carefully scrutinize the terms and conditions. Look out for the options you have in case of a defect or malfunctioning. Never sign the contract if the builder is not legally bound to fix the defect or sort it after you move in.
Before moving in, it is beneficial to take your own certified home inspector to check for abnormalities and general quality inspection. Never trust the inspectors got by the builders. In most cases they are either unlicensed or hand-in-glove with the builder. These inspectors just come as a formality and are rarely bothered to check for the defects present. The government or county inspectors are generally worse. You must realize that they are so loaded with work that they can hardly spare 15 minutes per house. Also they are more concerned about health and hygiene conditions than labor defects.
Do not believe the sales representatives of a builder as they are generally not licensed or regulated by the state. So they go about making false promises. Never sign the contract before verifying all the said claims and better still, take them in writing.
With builders facing a land crunch, a lot of reclamation work is being done swamps and marshy areas and builders are building on them. These are not favorable areas to have the foundations of your house sunk into.
A lot of states have different rules so always beware of what happens to your token money in case you decide against going forward with the deal. Never assume the course of action and always take it in writing from the builder. You do not want to forego all your earnest money if you back out of the deal

 

Tips For Building a Log Home

Log homes have a long and valued tradition in the United States and other countries, and despite our modern age, they've never really gone out of style. In fact, they're more popular today than ever. In our busy stressful lives, more and more people want a first home, vacation home, or retirement home that's off on a piece of land of their own, away from the hustle and bustle of the city. If this sounds appealing to you, and you're seriously thinking of taking the plunge and building a log home, let's talk about some tips that can save you time and money.
First off, buy the land on which you're going to build. Do this before you make a commitment to a log home manufacturer or decide on a particular design. Often the lay of the land will dictate the best way to go about building a home on it. (And going against the lay of the land will only cost you money and trouble.)
Second, have a realistic idea of how much the total project will cost before you sign up for a log home package. What they quote you for the kit and what the actual costs will be are going to be a lot different. To get a feel for how much more you'll end up paying once labor and non-kit necessities are included, talk to builders, contractors, and other homeowners who have built a log home. Don't be afraid to ask the manufacturers how much actual costs tend to run in your area.
Whether you're browsing kits or planning to have an architect design your dream home, keep a scrapbook of pictures and clippings in the months leading up to your purchase. Trying to say everything you want in words can be difficult, but if you can point to a picture and say "do the kitchen like that and the bathroom like that..." you'll be more likely to get the home of your dreams. Don't be afraid to spend months in the planning process, considering everything, before actually committing to a design.
Before you buy, check references. Look for a log home manufacturer that is a member in an organization such as the Log Homes Council. This means they have a comprehensive construction manual and have agreed to hold up to certain log-grading standards.
Make sure you've taken care of financing before starting construction (and make sure that financing will cover the cost of the whole project--there are too many tales of partially finished log homes out there that have been abandoned because the erstwhile builders ran out of money). Some home buyers with disposable income will start the process paying out of pocket and then try to get a construction loan when they run out of cash. This is a bad idea, since lenders usually refuse to loan money on construction that is in progress.
Make sure you understand the manufacturer's terms of purchase and that your financing covers those terms. Especially pay attention to the time period of the agreement (and what happens if you exceed the time limit). Examine the refund and warranty policies.
Keep these tips in mind as you think about your future log home. Plan copiously and don't rush. This way you'll be more likely to survive the building process and get the home of your dreams.

 

Searching For Benidorm Propertry

The growth in Benidorm has been occurring at a rapid rate. There are many reasons for this. It ranges from people building a vacation home to those that are using the property as an investment to use as rental or lease property.
Here are some tips for buying property in Benidorm, Spain. First do your research. Look into potential areas of growth as well as locating the hot spots. Look at the trends and determine where people are buying the most property or which section is the most likely to be developed so as to attract the most people if you are looking at investment property. Look at the location and talk to local realtors to determine where the best spot will be.
Make sure that you go and look at several areas on your own to determine what you view to be the best investment. Look into making multiple trips or making multiple stops on a single trip in order to help you in your decision making process.
Make sure you know how much you can spend when you are looking into getting these properties. Determine your limits and figure out how much house or rental property that you will be able to maintain. You do not want to lose your primary property in the process as it will in most cases be used as collateral.
When you do decide to go and visit different locations on your visit to Spain make sure that you use a real estate agent. They will be able to get you in and out of properties easier as well as be able to set up multiple visits in one day. If you do not speak Spanish, be sure to locate an agent that speaks your language.
Make sure that you have an attorney who is familiar with real estate law in Spain to make your purchase go smoother. This will make your Benidorm property purchase smooth and easy.
Determine If You Will Rent Or Own In Benidorm
Make sure that if you will be renting during your visit that you do book far enough in advance so as to secure the property that you want to use while you are there. Make sure you know when the peak seasons are on the Costa Blanca so as to determine what will work best for you.
If you want to own and do not want to live in n area that is very busy you may want to consider looking into one of the outlying areas of Benidorm.

 

Accessible Home Design

“Accessibility”, as it pertains to the design of buildings, is a term that most of us are somewhat familiar with. The Americans with Disabilities Act of 1990 (the “ADA”) mandates that most buildings used by the public be designed for ease of use by persons with many kinds of disabilities. We’ve all seen accessible parking spaces, ramps, and washrooms in retails stores, airports, and office buildings.
Homes, too, should incorporate design features and products that are easier to use by people of all ages and abilities. It’s a concept called “universal design”. For most people however, the image of an accessible home is one of fluorescent lights, wheelchair ramps, and white porcelain plumbing fixtures – more like a clinic than a home.
But an accessible home needn’t be like that at all. In fact, many design features and fixtures that work well for accessibility are also well suited for just about anyone.
Start In The Kitchen
Making a house more accessible isn’t particularly difficult or expensive. You might even have some universal design principals at work in your kitchen now.
“Side-by-side” refrigerators are more usable by a person in a wheelchair - unlike a unit with the freezer mounted on top. Inside the refrigerator, sliding shelves eliminate the need to reach all the way to the back to retrieve what you want.
A very common disabling condition associated with aging is reduced physical strength, which can make cooking in a large pot difficult if it has to be lifted into and out of the sink to fill with water. Instead of a standard kitchen faucet, install a “goose-neck” spout that allows the pot to be filled without lifting it into the sink. And place the cooktop nearby so that the pot can be easily slid across the countertop to the burner – no lifting required.
The latest in dishwasher design is the “drawer” type like those from Fisher & Paykel and KitchenAid. Drawer dishwashers don’t require as much bending over to load and unload and because there’s no door in the way, they’re more easily used from a sitting position.
Staying Home
As the American population ages and as housing prices escalate, many homeowners are trying to stay in their homes longer. Too often however, family homes are primarily designed for young families and become rapidly obsolete when they can no longer provide the convenience and safety that older citizens need. It’s an unfortunate result of a “disposable home” mentality – but that’s a topic for a future article!
A few simple design changes can make almost any home better able to support changing lifestyles, as ease of use and safety become important issues. One of the easiest is the installation of blocking for grab bars at appropriate places in the bath when the house is built. These simple and inexpensive structural supports are used for the future installation of grab bars, which provide increased safety in showers, tubs, and at toilets.
Another easy change is using “lever-type” door hardware - popular because of its looks and ease of use but also a requirement for persons with reduced strength or restricted mobility. Widening the doors a few inches can also extend the useable life of the house. Standard thirty-inch doors aren’t wide enough for wheelchairs and can be difficult for anyone with trouble walking. A thirty-six inch wide door solves both problems and makes moving furniture a lot easier, too.
Ups and Downs
Stairs are the biggest obstacle to making any home accessible. Typically, a fully accessible home must be all on one level – no stairs, step-downs, or even door thresholds. But a one-level home is more costly to build than a two-story and may require a larger property.
A better solution is a residential elevator. Sound expensive? Compared to the cost of a one-level home on a larger lot, an elevator is a very reasonable expense. It only adds about sixty square feet to the floor plan, and enables easy access to the first floor, the second floor, and the basement. Even better, only the elevator shaft need be installed now – the actual elevator equipment doesn’t have to be in place until it’s needed, maybe many years down the road.

Thursday, April 19, 2007

 

Some Fun Facts About Las Vegas

Las Vegas is a place to live. Here we present some of the fun and amazing facts about Las Vegas.
On May 15, 2005, Las Vegas Celebrated its 100th birthday. On this day, 110 acres of plots were auctioned. All this happened in the city of downtown. In 1910, gambling was illegal in Las Vegas. Later on gambling could come up as legalized gambling. The court approved gambling as legal in 1931.
Golden gate hotel was the first hotel in Las Vegas. The first casino in Las Vegas was opened in 1906.
Hoover dam, which was made in 1935, was made with the workforce of 21,000 men working for five years.
The famous “Welcome to Las Vegas” sign that you have seen was made in 1959. Betty Willis takes the credit of making that sign.
More than five thousands people keep moving to Las Vegas on monthly basis.
Clark county school district, which manages 280,000 students currently, is the fifth largest school and Las Vegas is considered to be the home to this district.
The amazing thing is, that the Las Vegas Strip mostly is not situated in Las Vegas. The major part of it exists in Clark.
If you are thinking of getting a marriage license in Nevada, it is going to cost you 55 dollars. But the best part about Nevada is that no blood test or waiting is to be undergone.

 

LAs Vegas - The Right Choice For Your Dream Home

Las Vegas is among the most popular cities in America and it is known as the fastest growing city too. Having a house in Las Vegas is always an intelligent decision. Buying a house in Las Vegas is all about vision. Buying a house in a city that is one of the fastest growing cities in America can surely benefit you for what you pay for it that's why we call it a vision.
Las Vegas is full of growth and it is an exciting place. It has become Mecca in the area of home construction. You can find almost every type of house or you can build as well.
You can easily find agents here that can give you right guidance and help you to buy a house of your choice.
But before you go and buy one try to get some information about Las Vegas real estate online. When you have an idea how things can work, you can start finding a house. There are a lot of advantages of buying a house in Las Vegas.
This is an ideal place for sports lovers. Las Vegas is full of enthralling golf courses. So the essence of suggestion is, you have a lot of things to do here if you are a sports freak.
So this place is becoming popular like anything. People are hunting this place. This place is a center of attraction for tourists also, so you can imagine the standard of your life in such a city.
We hope that in near future, it is going to emerge as one of the most expensive places. So those who hit this place early will be earning a lot.

 

Choosing A Builder For Your Custom Home

If you have not been able to find the perfect house on the market and you decide to build on a vacant lot, you’ll be faced with a very important decision – choosing a builder. Your builder is someone you are going to have an ongoing relationship with for about 12 months. There will be some bumps in the road as the process unfolds; and you must have an open and frequent line of communication and share a common goal and vision that goes beyond the blueprints for your new home. Start your search by asking your real estate agent for a few referrals. He or she will have local knowledge about area contractors, their reputation and the quality of their work. Once you have some direction, here are a few basic tips to help choose a builder and keep your project on track:
Get references - and don’t hire a builder until you have visited 2 or 3 other houses completed by the builder. Ideally, get the address of every house the builder has built in the last 2 or 3 years and contact several of the owners randomly. Don’t expect a perfect report card. Building a house is tough business and it is almost impossible to make a homeowner happy at every turn. Ask what each owner might have done differently if they could build the house all over again.
Pick a day and time to meet with your contractor each week and in person. Don’t ever miss this meeting - it will keep the project on track, keep costs and changes to a minimum and establish a great working relationship. Make sure that all “change orders” are reviewed and signed during the meeting. Above all, make sure that your builder agrees in writing to the weekly meeting in your contract.
Visit the builder’s other working job sites to make sure that they run a tight ship. Specifically, look to see if unused materials are organized and protected from the weather. Make sure that there is some evidence of a temporary workspace to review plans. Insure that garbage and construction waste is routinely removed from the job site. Also, investigate to make certain that work begins and ends each day on a regular schedule – same time, every day.
Make it clear to your builder that you expect progress every day of every week. Your money is being used to build a house that you cannot move into until it is completed. A day of inactivity at the site costs you money and you deserve progress in exchange for that money.
Don’t expect your builder to have a crystal ball. Do expect some minor deviations from what is planned. You will have fewer surprises cost-wise if you take the time to make sure that every possible item is included in the construction price. Before making a commitment to use any builder, make sure you have a comprehensive list of what is included in the price and what is not included in the price. If you add something extra in mid-stream, that will result in additional time and expense to the builder. Don’t expect changes for free.
Building a house can be a great experience. Chances are, if you take this advice, you will move into your new house on time, within budget and as a happy customer. The builder will be happier at the end also.

 

Before You Build A New Home

Buying or building a new home should always be a memorable and cherished experience. Unfortunately, it is not so for most people. This is because you as customers should be aware of certain loopholes the builders try to cover up. Lack of awareness of this, will result in a nasty experience.
Some of the things to be aware of are:
Constructors are always on the lookout for the cheapest ways to get the work done. A business will always place the bid in the hands of the lowest bidder while handing out work. Hence, never believe the builders when they say that they use the ace craftsmen in town. The reality is that they go in for the cheapest labor available, many a times hiring unskilled people with no experience. However this may not be true in the case of certain long standing builders who have their fixed team of workers throughout the year.
Before signing the deal, always have an attorney carefully scrutinize the terms and conditions. Look out for the options you have in case of a defect or malfunctioning. Never sign the contract if the builder is not legally bound to fix the defect or sort it after you move in.
Before moving in, it is beneficial to take your own certified home inspector to check for abnormalities and general quality inspection. Never trust the inspectors got by the builders. In most cases they are either unlicensed or hand-in-glove with the builder. These inspectors just come as a formality and are rarely bothered to check for the defects present. The government or county inspectors are generally worse. You must realize that they are so loaded with work that they can hardly spare 15 minutes per house. Also they are more concerned about health and hygiene conditions than labor defects.
Do not believe the sales representatives of a builder as they are generally not licensed or regulated by the state. So they go about making false promises. Never sign the contract before verifying all the said claims and better still, take them in writing.
With builders facing a land crunch, a lot of reclamation work is being done swamps and marshy areas and builders are building on them. These are not favorable areas to have the foundations of your house sunk into.
A lot of states have different rules so always beware of what happens to your token money in case you decide against going forward with the deal. Never assume the course of action and always take it in writing from the builder. You do not want to forego all your earnest money if you back out of the deal.

 

Tips For Building a Log Home

Log homes have a long and valued tradition in the United States and other countries, and despite our modern age, they've never really gone out of style. In fact, they're more popular today than ever. In our busy stressful lives, more and more people want a first home, vacation home, or retirement home that's off on a piece of land of their own, away from the hustle and bustle of the city. If this sounds appealing to you, and you're seriously thinking of taking the plunge and building a log home, let's talk about some tips that can save you time and money.
First off, buy the land on which you're going to build. Do this before you make a commitment to a log home manufacturer or decide on a particular design. Often the lay of the land will dictate the best way to go about building a home on it. (And going against the lay of the land will only cost you money and trouble.)
Second, have a realistic idea of how much the total project will cost before you sign up for a log home package. What they quote you for the kit and what the actual costs will be are going to be a lot different. To get a feel for how much more you'll end up paying once labor and non-kit necessities are included, talk to builders, contractors, and other homeowners who have built a log home. Don't be afraid to ask the manufacturers how much actual costs tend to run in your area.
Whether you're browsing kits or planning to have an architect design your dream home, keep a scrapbook of pictures and clippings in the months leading up to your purchase. Trying to say everything you want in words can be difficult, but if you can point to a picture and say "do the kitchen like that and the bathroom like that..." you'll be more likely to get the home of your dreams. Don't be afraid to spend months in the planning process, considering everything, before actually committing to a design.
Before you buy, check references. Look for a log home manufacturer that is a member in an organization such as the Log Homes Council. This means they have a comprehensive construction manual and have agreed to hold up to certain log-grading standards.
Make sure you've taken care of financing before starting construction (and make sure that financing will cover the cost of the whole project--there are too many tales of partially finished log homes out there that have been abandoned because the erstwhile builders ran out of money). Some home buyers with disposable income will start the process paying out of pocket and then try to get a construction loan when they run out of cash. This is a bad idea, since lenders usually refuse to loan money on construction that is in progress.
Make sure you understand the manufacturer's terms of purchase and that your financing covers those terms. Especially pay attention to the time period of the agreement (and what happens if you exceed the time limit). Examine the refund and warranty policies.
Keep these tips in mind as you think about your future log home. Plan copiously and don't rush. This way you'll be more likely to survive the building process and get the home of your dreams

 

Searching For Benidorm Propertry

The growth in Benidorm has been occurring at a rapid rate. There are many reasons for this. It ranges from people building a vacation home to those that are using the property as an investment to use as rental or lease property.
Here are some tips for buying property in Benidorm, Spain. First do your research. Look into potential areas of growth as well as locating the hot spots. Look at the trends and determine where people are buying the most property or which section is the most likely to be developed so as to attract the most people if you are looking at investment property. Look at the location and talk to local realtors to determine where the best spot will be.
Make sure that you go and look at several areas on your own to determine what you view to be the best investment. Look into making multiple trips or making multiple stops on a single trip in order to help you in your decision making process.
Make sure you know how much you can spend when you are looking into getting these properties. Determine your limits and figure out how much house or rental property that you will be able to maintain. You do not want to lose your primary property in the process as it will in most cases be used as collateral.
When you do decide to go and visit different locations on your visit to Spain make sure that you use a real estate agent. They will be able to get you in and out of properties easier as well as be able to set up multiple visits in one day. If you do not speak Spanish, be sure to locate an agent that speaks your language.
Make sure that you have an attorney who is familiar with real estate law in Spain to make your purchase go smoother. This will make your Benidorm property purchase smooth and easy.
Determine If You Will Rent Or Own In Benidorm
Make sure that if you will be renting during your visit that you do book far enough in advance so as to secure the property that you want to use while you are there. Make sure you know when the peak seasons are on the Costa Blanca so as to determine what will work best for you.
If you want to own and do not want to live in n area that is very busy you may want to consider looking into one of the outlying areas of Benidorm.

Wednesday, April 18, 2007

 

Some Fun Facts About Las Vegas

Las Vegas is a place to live. Here we present some of the fun and amazing facts about Las Vegas.
On May 15, 2005, Las Vegas Celebrated its 100th birthday. On this day, 110 acres of plots were auctioned. All this happened in the city of downtown. In 1910, gambling was illegal in Las Vegas. Later on gambling could come up as legalized gambling. The court approved gambling as legal in 1931.
Golden gate hotel was the first hotel in Las Vegas. The first casino in Las Vegas was opened in 1906.
Hoover dam, which was made in 1935, was made with the workforce of 21,000 men working for five years.
The famous “Welcome to Las Vegas” sign that you have seen was made in 1959. Betty Willis takes the credit of making that sign.
More than five thousands people keep moving to Las Vegas on monthly basis.
Clark county school district, which manages 280,000 students currently, is the fifth largest school and Las Vegas is considered to be the home to this district.
The amazing thing is, that the Las Vegas Strip mostly is not situated in Las Vegas. The major part of it exists in Clark.
If you are thinking of getting a marriage license in Nevada, it is going to cost you 55 dollars. But the best part about Nevada is that no blood test or waiting is to be undergone.

 

LAs Vegas - The Right Choice For Your Dream Home

Las Vegas is among the most popular cities in America and it is known as the fastest growing city too. Having a house in Las Vegas is always an intelligent decision. Buying a house in Las Vegas is all about vision. Buying a house in a city that is one of the fastest growing cities in America can surely benefit you for what you pay for it that's why we call it a vision.
Las Vegas is full of growth and it is an exciting place. It has become Mecca in the area of home construction. You can find almost every type of house or you can build as well.
You can easily find agents here that can give you right guidance and help you to buy a house of your choice.
But before you go and buy one try to get some information about Las Vegas real estate online. When you have an idea how things can work, you can start finding a house. There are a lot of advantages of buying a house in Las Vegas.
This is an ideal place for sports lovers. Las Vegas is full of enthralling golf courses. So the essence of suggestion is, you have a lot of things to do here if you are a sports freak.
So this place is becoming popular like anything. People are hunting this place. This place is a center of attraction for tourists also, so you can imagine the standard of your life in such a city.
We hope that in near future, it is going to emerge as one of the most expensive places. So those who hit this place early will be earning a lot.

 

Choosing A Builder For Your Custom Home

If you have not been able to find the perfect house on the market and you decide to build on a vacant lot, you’ll be faced with a very important decision – choosing a builder. Your builder is someone you are going to have an ongoing relationship with for about 12 months. There will be some bumps in the road as the process unfolds; and you must have an open and frequent line of communication and share a common goal and vision that goes beyond the blueprints for your new home. Start your search by asking your real estate agent for a few referrals. He or she will have local knowledge about area contractors, their reputation and the quality of their work. Once you have some direction, here are a few basic tips to help choose a builder and keep your project on track:
Get references - and don’t hire a builder until you have visited 2 or 3 other houses completed by the builder. Ideally, get the address of every house the builder has built in the last 2 or 3 years and contact several of the owners randomly. Don’t expect a perfect report card. Building a house is tough business and it is almost impossible to make a homeowner happy at every turn. Ask what each owner might have done differently if they could build the house all over again.
Pick a day and time to meet with your contractor each week and in person. Don’t ever miss this meeting - it will keep the project on track, keep costs and changes to a minimum and establish a great working relationship. Make sure that all “change orders” are reviewed and signed during the meeting. Above all, make sure that your builder agrees in writing to the weekly meeting in your contract.
Visit the builder’s other working job sites to make sure that they run a tight ship. Specifically, look to see if unused materials are organized and protected from the weather. Make sure that there is some evidence of a temporary workspace to review plans. Insure that garbage and construction waste is routinely removed from the job site. Also, investigate to make certain that work begins and ends each day on a regular schedule – same time, every day.
Make it clear to your builder that you expect progress every day of every week. Your money is being used to build a house that you cannot move into until it is completed. A day of inactivity at the site costs you money and you deserve progress in exchange for that money.
Don’t expect your builder to have a crystal ball. Do expect some minor deviations from what is planned. You will have fewer surprises cost-wise if you take the time to make sure that every possible item is included in the construction price. Before making a commitment to use any builder, make sure you have a comprehensive list of what is included in the price and what is not included in the price. If you add something extra in mid-stream, that will result in additional time and expense to the builder. Don’t expect changes for free.
Building a house can be a great experience. Chances are, if you take this advice, you will move into your new house on time, within budget and as a happy customer. The builder will be happier at the end also.

 

Before You Build A New Home

Buying or building a new home should always be a memorable and cherished experience. Unfortunately, it is not so for most people. This is because you as customers should be aware of certain loopholes the builders try to cover up. Lack of awareness of this, will result in a nasty experience.
Some of the things to be aware of are:
Constructors are always on the lookout for the cheapest ways to get the work done. A business will always place the bid in the hands of the lowest bidder while handing out work. Hence, never believe the builders when they say that they use the ace craftsmen in town. The reality is that they go in for the cheapest labor available, many a times hiring unskilled people with no experience. However this may not be true in the case of certain long standing builders who have their fixed team of workers throughout the year.
Before signing the deal, always have an attorney carefully scrutinize the terms and conditions. Look out for the options you have in case of a defect or malfunctioning. Never sign the contract if the builder is not legally bound to fix the defect or sort it after you move in.
Before moving in, it is beneficial to take your own certified home inspector to check for abnormalities and general quality inspection. Never trust the inspectors got by the builders. In most cases they are either unlicensed or hand-in-glove with the builder. These inspectors just come as a formality and are rarely bothered to check for the defects present. The government or county inspectors are generally worse. You must realize that they are so loaded with work that they can hardly spare 15 minutes per house. Also they are more concerned about health and hygiene conditions than labor defects.
Do not believe the sales representatives of a builder as they are generally not licensed or regulated by the state. So they go about making false promises. Never sign the contract before verifying all the said claims and better still, take them in writing.
With builders facing a land crunch, a lot of reclamation work is being done swamps and marshy areas and builders are building on them. These are not favorable areas to have the foundations of your house sunk into.
A lot of states have different rules so always beware of what happens to your token money in case you decide against going forward with the deal. Never assume the course of action and always take it in writing from the builder. You do not want to forego all your earnest money if you back out of the deal.

 

Tips For Building a Log Home

Log homes have a long and valued tradition in the United States and other countries, and despite our modern age, they've never really gone out of style. In fact, they're more popular today than ever. In our busy stressful lives, more and more people want a first home, vacation home, or retirement home that's off on a piece of land of their own, away from the hustle and bustle of the city. If this sounds appealing to you, and you're seriously thinking of taking the plunge and building a log home, let's talk about some tips that can save you time and money.
First off, buy the land on which you're going to build. Do this before you make a commitment to a log home manufacturer or decide on a particular design. Often the lay of the land will dictate the best way to go about building a home on it. (And going against the lay of the land will only cost you money and trouble.)
Second, have a realistic idea of how much the total project will cost before you sign up for a log home package. What they quote you for the kit and what the actual costs will be are going to be a lot different. To get a feel for how much more you'll end up paying once labor and non-kit necessities are included, talk to builders, contractors, and other homeowners who have built a log home. Don't be afraid to ask the manufacturers how much actual costs tend to run in your area.
Whether you're browsing kits or planning to have an architect design your dream home, keep a scrapbook of pictures and clippings in the months leading up to your purchase. Trying to say everything you want in words can be difficult, but if you can point to a picture and say "do the kitchen like that and the bathroom like that..." you'll be more likely to get the home of your dreams. Don't be afraid to spend months in the planning process, considering everything, before actually committing to a design.
Before you buy, check references. Look for a log home manufacturer that is a member in an organization such as the Log Homes Council. This means they have a comprehensive construction manual and have agreed to hold up to certain log-grading standards.
Make sure you've taken care of financing before starting construction (and make sure that financing will cover the cost of the whole project--there are too many tales of partially finished log homes out there that have been abandoned because the erstwhile builders ran out of money). Some home buyers with disposable income will start the process paying out of pocket and then try to get a construction loan when they run out of cash. This is a bad idea, since lenders usually refuse to loan money on construction that is in progress.
Make sure you understand the manufacturer's terms of purchase and that your financing covers those terms. Especially pay attention to the time period of the agreement (and what happens if you exceed the time limit). Examine the refund and warranty policies.
Keep these tips in mind as you think about your future log home. Plan copiously and don't rush. This way you'll be more likely to survive the building process and get the home of your dreams.

 

Searching For Benidorm Propertry

The growth in Benidorm has been occurring at a rapid rate. There are many reasons for this. It ranges from people building a vacation home to those that are using the property as an investment to use as rental or lease property.
Here are some tips for buying property in Benidorm, Spain. First do your research. Look into potential areas of growth as well as locating the hot spots. Look at the trends and determine where people are buying the most property or which section is the most likely to be developed so as to attract the most people if you are looking at investment property. Look at the location and talk to local realtors to determine where the best spot will be.
Make sure that you go and look at several areas on your own to determine what you view to be the best investment. Look into making multiple trips or making multiple stops on a single trip in order to help you in your decision making process.
Make sure you know how much you can spend when you are looking into getting these properties. Determine your limits and figure out how much house or rental property that you will be able to maintain. You do not want to lose your primary property in the process as it will in most cases be used as collateral.
When you do decide to go and visit different locations on your visit to Spain make sure that you use a real estate agent. They will be able to get you in and out of properties easier as well as be able to set up multiple visits in one day. If you do not speak Spanish, be sure to locate an agent that speaks your language.
Make sure that you have an attorney who is familiar with real estate law in Spain to make your purchase go smoother. This will make your Benidorm property purchase smooth and easy.
Determine If You Will Rent Or Own In Benidorm
Make sure that if you will be renting during your visit that you do book far enough in advance so as to secure the property that you want to use while you are there. Make sure you know when the peak seasons are on the Costa Blanca so as to determine what will work best for you.
If you want to own and do not want to live in n area that is very busy you may want to consider looking into one of the outlying areas of Benidorm.

Monday, April 16, 2007

 

Home Buyer Beware - Shingles That Blow Off

All roof contractors are not the same. Most roofing jobs look great from the street. But did you know that one out of two composition shingle roofs installed today are not installed properly?
The number one installation problem will cause your roof to blow off before your neighbor’s roof does in a wind storm. Well, assuming your neighbor’s roof is installed right.
A starter course, when installed right, is designed to keep the shingles at the eave from lifting at the edge of the roof when the wind blows. Once the wind gets under a loose shingle, you can guarantee that the next strong wind will take it off, perhaps along with many others, and deposit them in the next county.
Here’s the TestYou can quickly determine if the starter shingles were installed correctly. You don’t even have to get up on the roof. Lift the first shingle at the edge of the roof. There should be what looks like two shingles stuck together. If you can’t lift more than three or four inches of shingle at the edge of the roof and the first row is stuck down to the starter shingle under it at the edge, you have a pro for a roofer.
If the first shingle is not stuck down or you can lift more than 4 or 5 inches of the whole business off the roof edge, you have a problem.
Here’s the FixA qualified roofer will be able to lift the shingles in the first row and nail down the starter course near the roof edge. He will then apply roof adhesive to seal down the bottom edge of the first row of shingles to the starter.
The Starter Course QuizIf you are having a new roof put on, you can ask a couple of questions of your roofer. “What are you using for a starter course?” and “Are you installing the starter course according the instructions from the roofing manufacturer?” Every composition shingle roofing package will typically have basic installation instructions on the back. Review them with your roofer.
Here are the key words to listen for when your roofer answers the starter strip question: “We always use a standard shingle and turn it 180 degrees for the starter strip.” Wrong answer.
The right answer is: “We always use a starter course, manufactured for that purpose. We install it with the seal-down strip at the edge of the roof and nail it 3-4 inches from the edge of the roof.” Right answer.
An alternative answer is: “We cut off the exposed tabs of a standard shingle and install what’s left along the edge of the roof with the seal-down stuff at the edge of the roof and nail it 3 or 4 inches from the edge of the roof.” Right again.
The Bottom LineJust so you know I am not making this up, the people in the know can tell you themselves. The National Roofing Contractors Association (NRCA), the Asphalt Roofing Manufacturers Association (ARMA), and all roof manufacturers have specific and tested installation methods that work when you follow them. Use a qualified roofing contractor and make sure they follow the instructions.

 

Land Loans For Upcoming Construction

When it comes to financing the purchase of land for upcoming constructions, constructions loans are the solution to your problems. These loans are called Land Loans or Lot loans and are actually constructions loan specially designed for that purpose.
These loans, since there is not that much money involved, have very few requirements for approval. Yet, it is important to understand what you need to meet in order to obtain them as it will also determine whether a particular lot is suitable for getting hold of a construction loan later on. That means that if a particular lender offers you a land loan for upcoming construction, provided that you meet the further requirements, you’ll also be able to obtain the corresponding construction loan.
Lot Characteristics Needed For Loan Approval
There are some characteristics that the lot needs to meet for most lenders to approve your loan. This is due to the fact that as long as you are financing the purchase of the lot, it is not only your investment but also the lender’s (usually the lot guarantees the loan). Thus, the lender will want to make sure that the land purchased will not lose its value or be useless for the construction of the property.
The land you plan to purchase must be standard for the zone, which implies no excessively long extensions or very small lots. It needs not have characteristics that turn construction more onerous like inadequate soil components, etc. Also, most lenders will require at least one or two utilities available from the surroundings (i.e. water pipes, gas, electricity, communications, etc.).

 

Off Grid

Off Grid Living has been our mission for over 13 years. When my wife Jane and I set out in 1994 to live without the monthly bill to the power company we were not prepared for the difficulties we would face, or the ultimate joy in having achieved our goal. Our Neighbors, who once scorned our efforts, now wonder about making the same choice we have. It’s no wonder, as local household electric bills average from $150 to $300 a month. Off Grid Living looks very appealing now.
In 1994 we moved across the province of Ontario to settle on our 20 acres of woodland and make our dream of off grid living a reality. Back then we were known as ‘those people who live down that road without hydro’. It took some time, but most of our neighbors now embrace our lifestyle. We built our own timber frame home cutting most of the lumber ourselves. Our gardens are now among the best in the area. But, by far the most important point about off grid living is our commitment to renewable energy usage. As long as our power source ( and heat) is renewing itself, we are not depleting resources of the planet. Sustainable living is possible by using off grid living techniques.
Granted, off grid living is not for everyone. Read no further if the well-being and maintenance of our planet earth is no concern to you. If you are addicted to fossil fuel guzzling gadgets then our lifestyle would not interest you. If you don’t want to eat fresh organic produce or feel the wonderful radiant heat of firewood burning in your woodstove then read no further. If you don’t want to power your home with clean solar power or the power of the wind , and would rather live next door to a nuclear power plant then just stop reading. Finally, if clean fresh air and water for your children, and their children, and their children is of no interest to you then off grid living is not for you.
Are these things important to you? They are very important to Jane and I , and a growing list of subscribers to our newsletter. We welcome input from all interested people. And it is free.
We have been working at off grid living for over 13 years. Come and see our website full of helpful tips on how to make your lifestyle more relaxed and free from stress. Off grid living is what you need to help your family today

 

A Home Inspector is a Home Buyer's Best Friend

After weeks, maybe even months of searching, you’ve finally found your dream home. It’s everything you wanted and more. You’re already envisioning how your favorite chair will look in that charming little corner by the window. But before you move in, it’s important that you get better acquainted with the property you’ve fallen in love with.
While the hardwood floors are to die for and you love the bay window in the den, some of the things that may not be visible to the typical buyer’s eye need to be taken into account. Are the electrical systems up to date? Is the home properly insulated? Are there any signs of deterioration on the exterior of the home? Are there any areas of concern in the crawl space or basement such as mold or fungi? These are all questions that should be asked. However it will take a trained professional to answer them. That’s where your new best friend, the home inspector, comes in.
A home inspector is trained to diligently assess damage, deterioration and potential danger in a home. “A complete home inspection covers all of the major systems of a house, including structure, exterior, roofing, electrical, heating, cooling, insulation, plumbing and interior,” says Scott Dana, owner of Dana Home Inspections in Roswell, Georgia and an officer in the Georgia Chapter of the National Association of Home Inspectors.
Once a home inspector evaluates the home, he or she writes a comprehensive report, including photos, which explains in detail any defects or hazards that are apparent. Unfortunately not every report will be favorable and high hopes can suddenly become deflated due to bad news. But regardless, a home inspection is critical to the safety, security and sealing of the deal in any real estate transaction.
Naturally with every major transaction there are risks involved. Even home inspectors can’t guarantee every aspect of the property. “Inspectors are limited by what they can see and touch. Thus, there may be issues inside walls or in inaccessible areas that may have problems that inspectors will not be able to see,” says Scott Dana. However, as the buyer you can rest easier by doing your due-diligence and taking every measure to ensure that your dream home doesn’t turn into an unfortunate nightmare.
SAFETY
While style, location and affordability are all important factors when purchasing a home, safety comes first. There’s nothing more important than being assured that the property you purchase will be free of harm for you and your family. A home inspection will help you determine that there are no hazardous conditions. Something as simple as a defective safety reverse mechanism on a garage door or a garage door opener installed lower than the manufacturer recommended 60 inches from the ground would probably not be noticed by an eager buyer. But these oversights could be potentially dangerous for a small child in the home. Buyers also may be unaware of problems in crawl spaces or basements such as pests, infestation or hazardous substances such as mold. Inspectors will know to look in these areas and determine if there is cause for concern.
“When an inspector finds something that appears to be mold, they typically tell their clients that they have detected a "mold-like" substance and that further testing is needed by a company that specializes in mold detection and remediation,” says Scott Dana. These precautions are critical and are imperative in determining that the home you’re buying will be a safe and healthy environment for your family.
SECURITY
Because your home is one of the largest investments you will make, you want to be sure that your investment is secure. What may seem initially like a charming fixer-upper could turn into a money pit if substantial needed repairs are not discovered before the deal is closed. A home inspection will allow buyers to make more informed decisions about the soundness of their investment by determining exactly how much work and money may be required to resolve any issues. Homes that are in need of a little TLC can still be great deals as long as the repairs required are primarily cosmetic and affordable rather than structural and costly. Major issues can be a real deal breaker.
“By far the biggest deal breakers are those requiring the most money to fix, including problems with the foundation or structure of the home. Conversely, deal breakers can also be lots of little cost items that, when taken as a whole, cause the buyer to not feel good about the home. Lastly, if a house has a more-than-minor mold problem, or high levels of Radon gas detected, that might cause the deal to fall through,” Scott Dana remarks.
SEALING THE DEAL
Once your home inspection has been completed, what next? If the home inspector’s report doesn’t note any serious problems, you’re well on your way to moving into your dream home! If the report lists a number of issues and areas of concern, you still have a few options. Firstly, you can ask the seller to make repairs. A motivated seller may be eager to appease a willing buyer and work to remedy areas of concern noted in the inspection report. Secondly, you can negotiate. “[Buyers] can get estimates of repairs and place a bid on the property taking into consideration those potential costs,” says Scott Dana. Lastly, if the inspection report lists a large number if issues, you can continue your home search and find a property that will require less maintenance and attention.

 

Renewable Energy Options for the Home - Part 2 (Solar Energy)

The sun is a very powerful source of energy which powers natural cycles on earth like wind, water flow and plant growth.. Solar power is the technology of obtaining energy from the sun. There are three approaches to gain maximum benefit of solar energy in our buildings.
Passive Solar
Passive solar technologies convert sunlight into usable heat without the assistance of other energy sources. Passive solar architecture is a design approach which seeks to:
- maximise solar gains in the building (through orientation such as a south-facing site, layout, glazing etc)- avoid the loss of heat from the building through high quality insulation - ensure a high degree of comfort by using controlled ventilation and daylighting
Passive solar systems have little to no operating costs, often have low maintenance costs, and emit no greenhouse gases in operation. Passive solar principles can help reduce heating requirements of a home by up to 80%.
The Passive House Standard can be found at www.passive.de
Active Solar Heating
Active Solar technologies are employed to convert solar energy into usable heat, cause air movement for ventilation or cooking or store heat for future use. Unlike Passive Solar, Active Solar uses electrical or mechanical equipment such as pumps and fans to increase the usable heat. The most common use of active solar in Europe is Solar water heating. It is estimated that a correctly sized solar water heating system can provide for up to 60% of your water heating needs. Indeed, studies have shown that one square metre on your roof receives the equivalent of more than 100 litres of oil in free solar energy per year. Solar panels, generally located on a south-facing roof, transform solar radiation into heat which is stored in a large hot water cylinder for whenever you need it.
Solar Photovoltaic (PV) System Photovoltaics, or PV for short, is a solar power technology that uses solar cells or solar photovoltaic arrays to convert energy from the sun into electricity. Solar cells produce direct current electricity from the sun’s rays, which can be used to recharge a battery or to power equipment. When more power is required than a single cell can deliver, cells are generally grouped together to form “PV modules”, or solar panels, that may in turn be arranged in arrays.
Solar arrays are increasingly incorporated into new domestic and industrial buildings as a principal or ancillary source of electrical power. In a typical installation, an array is incorporated into the building (roof or walls). In this way, Solar PV can be used to provide free solar electricity to houses. Recent developments in regulation mean that it will shortly be possible to connect solar PV systems to the grid, opening up a new era for solar PV in Ireland. Arrays can also be retro-fitted into existing buildings, normally by sitting them atop the existing roof. One new feature of note came in August 2006 when Currys, the major high-street retailer decided to stock PV modules at a cost of a thousand pounds sterling per module.

 

Buiding A New House - Can My Home Change My Life

If you are going to build a new house then we have some very important instructions for you. Building a new house is a dream for everyone. When we make it, it brings us happiness, joy and lots of compliments too.
Some people believe that it brings a good luck too. May be you do not believe it but in some countries like India, these people used to believed that your life is very much influenced by the way you make your house.
In ancient India, people used to follow a literature that was called ‘Vastu Shastra’. This literature describes how directions are important while making your dream house. If a house is designed properly, it will surely bring good luck for you and a badly designed home can cast bad vibration on you.
In China also people used to follow certain literature to describe house architecture. However, it is not scientifically proven but there are a lot of incidents when people have to believe that the architecture of a house is very important and influences our life.
Here are a few guidelines about the shape of the house you are going to build. The rule is that the shape of the house should a proper shape. It must not be uneven or zigzag type. Even if you did not pay heed to this thing when you bought the area, the best way is to consult an architect and ask him to give it a proper shape.
The next thing you can pay heed to is which direction your main gate will face. The houses that face to east direction are said to be the best. We recommend you to study more about this Indian literature before you are making your house.

 

New! The First Do-It-Yourself, Predatory - Lending - Proof Internet Mortgage

Remember when the only way to buy stocks was through a full-service broker? Even if you already knew which stocks and how many shares you would want to buy, you would still need to pay the broker's hefty commission fee. You may not have needed or even wanted his or her advice, but you had no choice but to pay the full fare anyway.
The Internet changed all of that. You can now do your own investing without having to worry which particular stock the broker is attempting to push that day. He or she may have had little regard for you and your needs, but primarily had the need to fatten his or her own wallet.
An area of investing that could be made far more efficient is mortgage lending.
Everyday in America, thousands of consumers are victims of mortgage loan officer schemes that ultimately cost the borrower thousands of dollars more than they originally were led to believe. This is so common, that “predatory lending” and its impact is a growing concern among consumer interest groups and government regulators.
Wouldn't it be nice if, like in the ability to purchase your own stocks, you could do your own research and choose your own loan without having to worry about the needs of a greedy, self-serving loan officer (many of whom have been written up, after the fact, in the press)? Their extreme practices have even led some trusting consumers into foreclosure.
Thanks to a mortgage company in Chicago, the Internet and technology, you now have the ability to go online and within about 15 minutes receive a loan approval for their client without having to go through the traditional mortgage process. The system is so sophisticated that it is predatory lending proof. The computer does not have the ability to charge a consumer more because it thinks the borrower does not know any better. It simply evaluates the client and gives him or her the right program at the right price, saving the consumer’s money and time.
Jonathan Cosie, CEO and founder of MortgageTrends & RealEstatePro News, has endorsed this technology as a 2006 Top Industry Technology pick stating that “This is the first, true self-serve online mortgage solution we have ever seen. Other online lenders state that you can do a mortgage online, but the reality is that you either give them information that they sell as a lead to loan officers or they have a loan officer call you. Both of those scenarios often lead to added costs and frustration to the consumer. Our team is very, very impressed with this concept.”
Once your information has been entered, a loan manager works with you to complete the loan package in a low pressure environment. After the financial information has been evaluated, you simply selects the type and term of loan that they are interested in and the system then immediately begins the underwriting process. You can view all actual (not estimated) closing costs for each loan match presented. This leaves little margin for error and no opportunity for predatory lending practices. Once a loan is selected, the loan manager gets the client to closing on time, with no “packing” of fees. No games and no gimmicks.
In the same way that Amazon.com has changed the way consumers buy books, this mortgage company in Chicago will soon change the way that borrowers buy mortgages, forever.

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