Archive for the 'Special offers' Category

Sweepstakes for Blueprints

http://www.HOMEPLANS.COM if offering a sweepstakes to win plans, value up to $600.

Go here until 5/31 to sign up: http://www.homeplans.com/exec/action/swp/hspos/hsnet

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Spring Build offer!

You DON’T want to be breaking ground when the snow starts flying!
Start NOW!

I can help you get organized to move forward and break ground sooner than later!
And to give you that extra push, I am extending my $250 gift card offer!

The offer now is:
Complete a loan application and provide me with your project details by May 23rd (this is the date that my son’s school is out for the summer!), and then break ground by 4th of July (this means you have signed construction loan documents with the bank), then I will issue a $250 gift card from Lowes or Home Depot!

THIS gives you plenty of time! If you procrastinate until 5-23, then you have only 45 days to get all material together. If you start today, then this gives you a whopping 70 days!

Here again are the stages in the construction loan process:
1. PRE-QUALIFICATION: Completed from your gross income and monthly debt payments, along with information about your intended build. If you have a floor plan in mind, you can email it to me (web link, CAD, PDF files) or fax, and I will work a personalized Feasibility Study. This Study will indicate a range of estimated costs to build the intended house, and add up all the associated costs, lender fees, reserve funds, land payoff, to make sure it is feasible for your financial situation.
2. PRE-APPROVAL: Completed from a full loan application & credit pull. You can complete a loan application on my secure website at www.buildmaxrep.com (but we cannot skip step 1!)
3. CREDIT APPROVAL: Lender reviews actual financial documents you send them (w-2’s, paystubs, bank statements), and approves YOU for the loan.
4. PROJECT APPROVAL: Now the project gets approved via an appraisal, title report, and budget/plan review.

Of course, I want to make sure you are fully informed before you put in a loan application, so contact me for more information as needed!

Now let’s get building!

On-line plans

Buying home plans on-line is a great alternative to hiring an architect, for cost savings as well as time.   However, once you find a plan you like, CALL the seller, and discuss the following:

  • What code specifications where the plans drawn up to?  Many counties/cities have adopted the new 2006 International Building Code (IBC) vs the 2000/2003 codes.
  • What in included in the plans?
  • What is the return policy?  Is there a restocking fee.

IF you need to make any changes on the plans, you will need to have purchased the reproducable or CAD plans, which come with a copyright release.    A client ran into problems due to a steel beam support replacement to a stem wall (normal for his area & more cost efficient).. this simple change requires a change on the plans, which he can’t make without the copyright release.     Another example is if you desire a trussed roof vs a stacked roof, which most plans come with.

Do your research!  Check with your local building department before you order plans!

Our primary lender currently offers a refund up to $750 (after loan closing), for plans purchased via the following sources:

This offer is good up to 3/1/08.

Choosing a water heater

The new Energy Policy Tax Incentives Act of 2005 will give homeowners a $300 tax credit on their personal income tax for those who install a high-efficiency gas, oil, or propane water heaters with an energy factor (EF) of at least 0.80.

One company who manufactures a water heater that meets this specification is Noritz.  You can find them at www.noritz.com .      Their list price is $999-1200, for the tankless water heaters, applicable to natural gas, oil, or propane use.

The new Energy Policy Tax Incentives will be in effect from January 1, 2006 through December 31, 2007.   For more information go to www.energy.gov/taxbreaks.htm

A way to defer construction interest…

Construction loans are interest only, accruing interest as you draw out the funds. Thus back-ending your draws is a good idea, but also considering using someone else’s money!  That is consider the following offers (subject to terms/conditions):

    Lowe’s

  •  
    • your first in-store purchase with a new Lowe’s card, you can take 10% off!  Limit up to $5000.
    •  ZERO payments and interest for 6 months on appliances ($299 or more).

    Home Depot:

  •  
    • 6 months no payments/interest on any purchase of $299 or more
    • 12 months no payments/interest on select Trane Heating/Air Conditioning purchases of $299 or more.
    • 12 months no payments/interest on any installed Kitchen Cabinet purchase of $3000 or more.
    • 12 months no payments/interst on any installed wood, laminate, tile or vinyl flooring purchase of $299 or more.

You can then pay off the accounts at the end of your construction term with your construction funds.