787-709-0475
Saturday, December 18, 2010
Tuesday, June 29, 2010
New Home Builders Mortgage Update
New Home Builders Mortgage Update
When you’re buying a home from a builder putting in a new development, the mortgage process is very similar to the process for buying an existing home.
The big difference is the availability of pricing locks over an extended period1. This gives you protection from financial market fluctuations over the time your new home is being built.
Other highlights include:
•If qualified, up to 95% financing of the construction cost of your primary residence (certain restrictions apply)
•Expanded lock-in options of up to 12 months1
•Multiple product options are available for permanent financing
Of course, we’re here to help you, so contact us at any time if you have questions.
203-681-1240
When you’re buying a home from a builder putting in a new development, the mortgage process is very similar to the process for buying an existing home.
The big difference is the availability of pricing locks over an extended period1. This gives you protection from financial market fluctuations over the time your new home is being built.
Other highlights include:
•If qualified, up to 95% financing of the construction cost of your primary residence (certain restrictions apply)
•Expanded lock-in options of up to 12 months1
•Multiple product options are available for permanent financing
Of course, we’re here to help you, so contact us at any time if you have questions.
203-681-1240
Saturday, February 21, 2009
Monday, February 16, 2009
Monday, January 26, 2009
Build on a Rock. Mathew 7:24-27 NIV
"Hurricane Resistant Homes"
Build on a rock. Mathew 7:24-27 NIV
Therefore everyone who hears these words of mine and puts them into practice is like a wise man who built his house on the rock. 25The rain came down, the streams rose, and the winds blew and beat against that house; yet it did not fall, because it had its foundation on the rock. 26But everyone who hears these words of mine and does not put them into practice is like a foolish man who built his house on sand. 27The rain came down, the streams rose, and the winds blew and beat against that house, and it fell with a great crash."
The Hurricane Resistant Homes I am promoting are essentially bunkers. Bunker is a term used by the armed forces to distinguish themselves from ordinary structures. Bunkers can with stand artillery bombardment as well as high winds, torrential rains, fires and floods. These are proven design structures that have been created to with stand enemy attacks, both natural and man made.
Two Basic Structure types:
There are essentially two methods for building concrete edifices. The first system that I am going to show you includes both cinder block and formed concrete. Some commercial designs include steel for framing. There are many different ways of putting it all together. However, it all boils down to these two basic methods. I will be using photos as well as video to illustrate this cinder block and concrete method. Both cinder block and formed concrete are the standard for building homes in the Caribbean. In fact, banks (Lenders) do not finance wooden homes in the Caribbean at all. Nor do they finance concrete structures with wooden roofs. Banks (Lenders) know through experience that wooden homes are not a sound investment, especially in the hurricane prone Caribbean.
Choose Your Design:
There are 12 basic designs on our H.R.H. CD to choose from, small, medium and large. There are four basic designs in each category so as to accommodate your budget. We can create any design that you may choose and finish it in 3D. Each design comes with a set of blue prints as well as take offs that will help you determine how much you will need to spend on materials. We have given an estimated cost of labor for each plan. However, you should get quotes from your local contractor. Labor costs may vary from state to state. We have lists of concrete contractors in your area that we can provide you with. We are assuming that you want to save money by building it your self. You can save between 30-50% of the over all cost by building your own home. That is a lot of savings.
What You Will Need to Get Started:
I recommend using a "lead guy: to help you complete the entire project. A good lead guy can be a "jack of all trades and a master of none". Another good " lead guy" has 5-10 years experience forming concrete knows how to read plans and can run a crew. 2) You should employ at least one skill full carpenter, one cinder block layer and two laborers for mixing concrete. Every employee must have his own tools, no exceptions.
Due Diligence:
You will need to go and do some due diligence on your part before you attempt to get your plans approved by the buildings department. Concrete homes are very heavy. The soil of your lot needs to be tested for density or foot pounds. Go to the buildings department in your area and find out the local requirements for foot pounds to support concrete homes. The standard is 2600 foot pounds per square foot. There are environmental services that can verify how many foot pounds per square foot your soil can support.
Build on a rock. Mathew 7:24-27 NIV
Therefore everyone who hears these words of mine and puts them into practice is like a wise man who built his house on the rock. 25The rain came down, the streams rose, and the winds blew and beat against that house; yet it did not fall, because it had its foundation on the rock. 26But everyone who hears these words of mine and does not put them into practice is like a foolish man who built his house on sand. 27The rain came down, the streams rose, and the winds blew and beat against that house, and it fell with a great crash."
The Hurricane Resistant Homes I am promoting are essentially bunkers. Bunker is a term used by the armed forces to distinguish themselves from ordinary structures. Bunkers can with stand artillery bombardment as well as high winds, torrential rains, fires and floods. These are proven design structures that have been created to with stand enemy attacks, both natural and man made.
Two Basic Structure types:
There are essentially two methods for building concrete edifices. The first system that I am going to show you includes both cinder block and formed concrete. Some commercial designs include steel for framing. There are many different ways of putting it all together. However, it all boils down to these two basic methods. I will be using photos as well as video to illustrate this cinder block and concrete method. Both cinder block and formed concrete are the standard for building homes in the Caribbean. In fact, banks (Lenders) do not finance wooden homes in the Caribbean at all. Nor do they finance concrete structures with wooden roofs. Banks (Lenders) know through experience that wooden homes are not a sound investment, especially in the hurricane prone Caribbean.
Choose Your Design:
There are 12 basic designs on our H.R.H. CD to choose from, small, medium and large. There are four basic designs in each category so as to accommodate your budget. We can create any design that you may choose and finish it in 3D. Each design comes with a set of blue prints as well as take offs that will help you determine how much you will need to spend on materials. We have given an estimated cost of labor for each plan. However, you should get quotes from your local contractor. Labor costs may vary from state to state. We have lists of concrete contractors in your area that we can provide you with. We are assuming that you want to save money by building it your self. You can save between 30-50% of the over all cost by building your own home. That is a lot of savings.
What You Will Need to Get Started:
I recommend using a "lead guy: to help you complete the entire project. A good lead guy can be a "jack of all trades and a master of none". Another good " lead guy" has 5-10 years experience forming concrete knows how to read plans and can run a crew. 2) You should employ at least one skill full carpenter, one cinder block layer and two laborers for mixing concrete. Every employee must have his own tools, no exceptions.
Due Diligence:
You will need to go and do some due diligence on your part before you attempt to get your plans approved by the buildings department. Concrete homes are very heavy. The soil of your lot needs to be tested for density or foot pounds. Go to the buildings department in your area and find out the local requirements for foot pounds to support concrete homes. The standard is 2600 foot pounds per square foot. There are environmental services that can verify how many foot pounds per square foot your soil can support.
Tuesday, January 20, 2009
Hurricane "Katrina"
September 01, 2005 Hurricane “Katrina”
Hurricane “Katrina” hits New Orleans on September 01, 2005 and devastates everything in its path. Homes that were not blown away were left flooded. There were literally billions of dollars worth of homes that were completely destroyed, and thousands of lives lost.
When will people learn. Wooden homes do not work very well in Hurricane prone areas. We are creatures of habit, and are unwilling to delve head on into unknown areas. Concrete homes are not new. They have been in existence for centuries. I believe there is a stigma or a belief that concrete homes have limited design possibilities. And, so therefore they are some what shunned as not being the “in thing”. I believe the “In-Thing” is to survive a Hurricane. Now, that’s cool. We have many choices in building our homes. We are not limited to wood. It is our poor choice that has led us down this path of destruction. Your builder did not have to build in wood. He had choices, just as
you do. These buildings are (Hurricane Resistant Homes) that have survived Hurricane Katrina. It can make the difference between life and death. People that stayed in these homes probably survived the Hurricane. We are not forced to build concrete homes. More lives would have been saved if we were forced to build in concrete. That is a fact. Concrete homes that are flooded can easily be washed clean with a power washer. Electrical sockets can be cleaned out and left open to dry. In addition, they are completely fire proof.
We are going to show you how to build your own Hurricane Resistant Home from top to bottom. You do not need contractors license to build your own home. However, you do need a permit. We will provide you with all of the resources you will need to build your own (Hurricane Resistant Home) free of charge. We do have additional resources and designs available on our CD, “ Hurricane Resistant Homes” for only $29.95 plus shipping and taxes.
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