Archive Page 2

360 Rotating Wall Outlet

New product introduced at the Builder’s show… a great solution to bulky plugs!  Check it out.. may be worth it to install in one area of your new home!


Recycled Glass countertops

A client sent me this link for countertops he intends on using for his project…. very nice!  Take a look!

On-Line Kitchen Design Assistance

How cool is this…

offered by HGTV-PRO… see the site here:

You must register for a FREE account.   With the designer program you can layout your kitchen, and choose your products!

Lending update

Lenders are continually adjusting programs to strengthen their portfolios in light of the current economic situation.
We received unfortunate news last week that 100% financing is no longer available.  Following is summary of what is:

  1. 5% down based on the total cost to build, with 700+ credit score.*  Total Cost is what you paid for the land, soft/hard costs, lending fees, reserve funds.
  2. 5% down based on the project appraisal value, with 640+ credit score.*
  3. 5% down based on the cost of the land, 640+ credit score.*

Program availability is based on property location, and, if the property is located in a designated declining market an additional 5% down will be required.   If you have owned the land over 1 year, than any vested equity (difference between what you owe and what the land would appraise at) can apply towards the 5(10)% requirement.  Also, the funds can be gifted, or secured by home equity line (current home).    All programs require minimum two months reserves (this is two months of the projects calculated mortgage payment; the money only needs verified at the time of loan underwriting and serves to show the lender that you have funds to make the payment for two months in the event of losing income).

Jumbo loans (over $417000) fall under different parameters with 10-20% required down.

* Loan approval not guaranteed based on meeting credit score minimum requirement; all loan requests are run through lender’s underwriting computer system and must receive an ‘ACCEPT’ status.

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:

NEW Line-Item Budget Form!

Just in!
an AMAZING form compiled by BuildMax that if all material were printed it would be over 400 pages!

Check it out.. this line-item budget form has hyperlinks for each of the line-items to an online pdf document. This form answers the following questions for each line-item:

1. GOAL: What problem are you trying to solve for this budget category?
2. CONTACT: Who are the professionals & where do you find them for this budget category?
3. COMPETENCE: What questions are pertinent to arriving at a cost for this budget category?
3. STANDARD: How do you know when you’ve gotten enough information to move forward?

Would that be helpful to you?
If so, email me ( ) and ask for it!

here’s a sample:
for line item 101: Architect, Engineering, & Soil Study Fees, hyperlink leads here:

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 (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!


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July 2018
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