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Financial & Home Building Process

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Ask about our Special Financing Programs

Before you apply for your mortgage loan, you'll need to decide which type of loan may be right for you. Conventional Fixed Rate, FHA Mortgage, First-Time Homebuyer, VA Loan to name a few!

In addition please ask us about our Guaranteed Trade Program and our other creative financing options! We have a list of wonderful lenders that we work with on a day-to-day basis…contact us and we would be happy to put you in touch with one of them to get the process started.

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Is Buying a Home in Today's Economy a Good Idea?

As a long-term investment, homeownership is still one of the best investments for individual households.

"Why" you may ask? After all, the headlines say the housing market is down and out, with defaults rising at an alarming rate, and mortgage markets so frozen that buyers can’t get a home loan at any price.

What buyers need to realize is that housing markets, like all markets, inevitably have their ups and downs. And homeownership has a track record that is virtually unmatched by any other purchase in terms of its real benefits.

Despite the turmoil in mortgage lending, if you have good credit, a job and steady income, you will find there is still plenty of mortgage credit to be had at good rates. For well-qualified buyers, rates are running at near historical lows.

Homeownership's Real Value

Here are a few examples of why, dollar for dollar, homeownership is a solid stepping stone to a future of financial security and the single largest creator of wealth for many Americans.

Over the long-term real estate has consistently appreciated, even through periodic adjustments in local markets in response to economic conditions. On a national level, home appreciation has historically increased 5-6 percent annually, report economists at the National Association of Home Builders.

Five percent may not seem much at first, but here’s an example that will put it into perspective: Say you put 10 percent down on a $200,000 house, for an investment of $20,000. At a 5 percent annual appreciation rate, that $200,000 home would increase in value $10,000 during the first year. Earning $10,000 on an investment of $20,000 is an extraordinary 50 percent annual return.

In contrast, putting that $20,000 down payment into the stock market and getting a 5 percent gain would only yield a $1,000 profit.

Compared to Stocks

Looking at it another way, over a longer period of time, if someone put $10,000 into the stock market in 1997, the average annual S&P return would make that investment worth $21,500 today — an increase of $11,500. The median home price in 1997 was $140,000. Today, that same home would have gained nearly $100,000 in value.

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The Benefits of a Green Certified Home

The benefits of building a green home are diverse, but the most widely recognized outcomes are environmental. Reducing the environmental impact of homes is an important step towards fighting global warming and conserving valuable natural resources.

However, there are numerous, less publicized benefits of green homes. The first warms the heart of every American – savings. Cost has long been considered a deterrent to building a green home, initially turning interested homeowners away. Closer inspection, however, reveals that price increases are generally only a few percentage points higher (a statistic decreasing as green practices become increasingly mainstream).

Learning to view these upfront costs as an investment is key. Additional expenses will literally pay for themselves in lower energy and water bills, tax and insurance credits and reduced repair needs.

The superior energy efficiency of a green home reminds us that it's truly a high-performance home. Attention to detail and durable, sustainable materials makes a green home far superior to the average home on the market and results in numerous health benefits. Along with drastically improved air quality and reduced exposure to mold, mildew and toxins (of great comfort to allergy sufferers) green homes also maintain consistent temperatures and humidity levels throughout the home.

Going green today is a valuable way to protect your investment in your home, regardless of whether you think you will ever put it back on the market.

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