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Buying a House in Cash vs. Home Loan

home loan

Living in a mortgage-free or loan-free home can be a blessing if you are the owner of the house and can sell, refurbish, and do a lot with the property. If you buy a home with the cash, you immediately own it, but if you buy the house on mortgage, you are liable to pay a certain amount annually or monthly. Buying a property in cash also means that at the end of the deal, you will be left with a low bank balance but a house of your own. Now, let us look at whether it is wise enough to buy a house in cash or home loan:

Buy a House in Cash

No Interest: Buying a house in cash means you do not have to pay any interest that would otherwise accrue from a home loan.

Quick Turnaround Time: As you pay in cash, you can expect the seal the deal as soon as possible. There is hardly a waiting time in cash payment.

You are Owner: Buying a property in cash makes you the immediate owner.

Keep Income Secret: You don’t have to disclose the income when buying an asset in cash. Mortgage lenders, however, require you to show a certain amount of income.

Reduced Liquidity: Paying in cash can you leave with the least money in the bank. Houses and assets can be way expensive to buy in cash.

Buy a House By Loan

Tax Benefits: Taxpayers in the US can subtract the interest paid on initial and following home loans up to $1,000,000 in mortgage arrears.

Qualify for a Mortgage: Prospective buyers are required to qualify for the loan. They will have to show income proof as well as their bank balance if needed for the mortgage lenders.

Time Consuming: Applying for a mortgage and buying a property on loan can be time-consuming. Lenders ask for a range of financial documents and scrutinize the application on various parameters. During the time of screening, the lenders may choose to turn down any form if it fails to meet the requirement.

Whether you are building a custom home or buying a spec home, you have a choice whether to buy by cash or through loan. Buying a home on loan is a wise choice if you have a stable income. Try to pay off the loan at the earliest and enjoy the ownership of the newly purchased property.

Marble Floor Polishing Tips

marble floor polishing

Marble is a natural stone that is durable and adds to the aesthetics of the property. Marble flooring, however, has its challenges as any mistake could reduce the natural shine of the stone. So, here we are with top tips for every shiny marble floor.

Top custom home builders know that floors are one of the most important aspects of any home, and must be right. You simply cannot have a beautiful home interior without great floors. And natural stone floors, such as marble, are among the most exquisite look that you can have. Posada Custom Homes is a luxury home builder in Orlando and Winter Park, FL, and many of their floors are polished marble.

Tips for Marble Polishing

  1. Always use a damp mop rather than a drenched one as water leaked from the drenched mop could be absorbed by the surface of the marble.
  2. Use deionized water for mobbing the marble floor. Deionized water is less damaging to the natural stone.
  3. Don’t use acids and commercially prepared cleaner as they can be detrimental to the natural stone. The acidic property of the detergent can cause discoloration and reduce the strength of the marble floor.
  4. Using water as a sole agent is also not recommended as it can make the floor look dull over time. Prefer using a neutral solvent for radiant looking marble flooring.
  5. Seal the marble flooring with a good quality sealant to prevent damages. A sealant can also enhance the durability of the floor.
  6. Marbles can get dirty quite quickly. Regular cleaning is highly recommended to keep the marble flooring in its tip-top shape. Immediately clean up any spills using a dry and clean mob as the spills can be absorbed by the porous floor.
  7. Moving heavy furniture can be damaging to the marble floor. Place a rug or thick mat under the legs of the furniture before moving it around. Damage caused by the dragging of heavy furniture can be permanent.
  8. Reseal the floor after every three to six years. However, abstain from overdoing it for a durable floor.
  9. Homemade detergents also contain acidic elements. It is advisable not to use them for marble floor cleaning.
  10. As long as possible, always go for dry cleaning the marble floor as it won’t cause any harm to the surface.

If you’re thinking of getting marble flooring for your home, then you’re definitely making a great choice. Make sure you talk about it with your builder even before the home building process so they can incorporate it with your home design!

How To Find Builder For Your Dream Home

dream home builder

A home builder is a professional contractor who takes care of the building process of your home. It is this pro who ensures that the house is structured according to your style and safe to live in. Therefore, it is very crucial to hire the right builder for your home. Here we are to help you find the right builder for your dream project.

1. Research Right: Start your search for the builder from the authentic resources. It is highly advisable to obtain a list of builders in your area from the local home builders association. The list can be obtained by visiting the official website of the association. Here you can find authentic builders that you can count on in the future.

2. Gather Quotes: Contact the builder from the list and ask for the quotes. You can provide a fair idea about the project for the contractor to quote accordingly. You may ask for quotes from multiple builders and shortlist them later. If you are on a tight budget, check out some of the jobs around the house you can do on your own in the video below. 

3. Specialty of the Builder: Now, since you have received the quotes, shortlist the builder as per their specialty. For instance, you want to have a custom home builder than prioritize a contractor that has previous experience of building a custom house.

4. Ask for References: You must by now have shortlisted some of the builders that you would consider for your dream project. Ask them to provide a reference to previous clients. You can also ask direct questions to know whether they will be able to provide quality work.

5. Experience: Experience is a necessary parameter for evaluating the right contractor. A more experienced home builder can deliver an excellent job and ensure safety on the site.

It always a good idea to speak to the home building contractor as often as you can before hiring him/her. Once the construction is started changing the contractor would be next to impossible as the new contractor will have to start from scratch, and you will have to pay more. So, choose wisely.

How to Choose the Best Home Design

best home design

Are you currently in the process of building or buying your very own home? If so, then you must be thinking of the best home design. Many house buyers would simply trust an architect or will pick out a random ready-made design off a catalog, but others would exert a little more effort than that. Being involved in choosing the design for your home is a great thing. Even better when you’re working with a custom home builder who can customize or personalize that design according to your preferred specifications and requirements.

So how to choose the best design? What steps do you have to take? Here are some tips that might help you out.

Do your research: Did you come across a really good home design? Don’t stop right there. There are so many designs available and that might not be the best just yet. Remember, building your own house costs a lot of money so you might as well choose a design you are in love with so you can continue to enjoy its beauty for the many years to come.

Be practical: Sure, one home design looks amazing but is it practical? And we’re not even talking about the money here – we’re talking functionality. For instance, a house made with floor to ceiling glass windows looks like a dream but if you live in an area where cars and strangers pass by all the time and you’re not planning to build high fences around your house, do you think these glass windows that would expose your private space be practical at all?

Consult with an expert: Experts in home building have the knowledge and experience needed to come up with great home designs. Consult with them and trust their expertise.

Once you have found your home building contractor that you want to work with, you can discuss with them your wants and needs so they can give you sound advice.

Benefits of Using Metal Roof

metal roof

The home improvement market has recently experienced a sudden surge in demand for metal roofing for its elegant design and durability. Metal roofs are one of the many ways that homeowners are opting for upgrading their houses with products of lasting value. The other roofing material is deemed to diminish time and is also subject to climatic wear and tear. Let us look at some of the benefits of using the metal roof.

Recycled product: Most metal roofs are prepared from recycled content. Besides, at the end of the usage, the metal can always be recycled. The recyclability of metal roofing is one of the many reasons behind its popularity.

Stylish and elegant: Metal roofing adds style to your home. You can have them customized to match the design of your house.

Sustainable and durable: Metal roofing can last for more than five decades. Besides, any damage such as dead valleys and transitions can be solved with matching metal that is quite reliable and long-lasting compared to other sealants and adhesives.

Fire Resistance: Metal does not easily catch fire. In short, having metal roofing adds to the security of the home.

Low Maintenance Cost: The metal does not degrades over time. Well installed metal roofing may last long, saving your money on repairs and maintenance.

Wind resistance: Metal roofing is wind resistant, which means they will not get damaged when it is blowing heavily outside.

Of course, there are many benefits to having metal roofing. However, homeowners must consider pros as well as cons before settling on anything. Metal roofing adds to the aesthetics of the house. However, it is also vital to note that it may cost more to have metal roofing installed. So, decide wisely and invest smartly. Make sure you’re asking advice from an expert such as your home building contractor prior to making these important decisions. 

How to Fix Termite Damaged Floor

Termites can weaken the floor and make then squeak or creak as boards rub against each other. A hollow sound could be a sign of termite wood damage. Termites are huge problems for homeowners and, in fact, cost billions of dollars in damage in homes in the United States yearly. Here we are with simple steps to help you fix damage caused by termites to your floor.

Termite Damaged Floor

1. Remove the damaged piece: Find the termite damaged wood. Remove the damaged piece with chisel and mallet. Carefully remove the piece, ensuring the safety of the adjoining flooring.

2. Place the new strip of wood: Once the damaged wood piece is removed, carefully place the new strip of the wood. Ensure the size of the new strip matches with proper spacing. Use a ruler to measure the dimension of the required strip.

3. Nail the Floor: Use a floor nailer to nail the floor. The flooring nailer hides the nail holes and keeps the flooring snug. You can either rent a floor nailer or buy one if you have an interest in carpentering.

Once having replaced the damaged piece of wood from the floor, you would like to ensure the termite does not further damage the wood. For this, you will have to:

1. Understand the type of termite: There are primarily three types of termite – subterranean, drywood, and dampwood that have the potential to damage the wooden flooring significantly. Each termite breeds and spreads differently. You can distinguish each type of termites by looking at them carefully with a magnifying glass. Subterranean termite swarmers are solid black, drywood swarmers are solid red, and dampwood termite is dark brown.

2. Termite Killer: The next thing you need to do is to kill the termites and damages. You can either choose to kill the termite chemically or naturally. The chemicals to kill termites are easily available in the market.

3. Call a Professional: Can professional help if you think termites are severely damaging your house. They know precisely how to get rid of them without any damage to the property.

Hopefully, the above tips have helped you out. In case you are still building your new home, make sure you talk to your contractor so that they can also give you their expert advice on how to avoid termite damage on your wooden floors. 

How to Make Your Custom Home More Energy Efficient

energy efficient custom home

Energy efficiency is one of the best things that home buyers are looking for these days. It is great that they are taking into consideration how to make their custom home more energy efficient during the construction process so as not to make any major changes when the home is already built. Energy efficiency isn’t only great because it can help you get great savings on your power bill, but also admirable as it can also help you become more environmentally friendly. In many cases, you may also significantly reduce your household’s carbon footprint. 

Here are some tips to keep in mind when you want to make your home more energy-efficient: 

Install more windows: Windows let natural sunlight in and lets the breeze into your home as well. This means that you won’t have to leave the light on during daytime and on cooler days, you don’t have to use your AC all the time. 

Proper insulation: Spray foam insulation, blown-in insulation, fiberglass insulation, and many other options offer to seal in the temperature indoors so that your AC or heater wouldn’t have to work twice as much. 

Solar power: Solar power, a great alternative to your traditional electric utility, can be used as a backup or main power source for your household. This offers great savings on your energy bill because you’re using free power coming from the sun. 

Attic fans: You can consider solar attic fans or traditional attic fans that work just the same. They keep the air circulating around your attic area to lessen the heat coming into your home. 

Sun tunnels: These are like windows on the roof that allows natural light to come in even in places in your home that are far from windows. 

Ask for suggestions from your home builder about more ways on how to make your home more energy-efficient. The best time to make your house efficient is now while you are still constructing it.

How to Make Your Home More Spacious

Whether you live in a large or small house, proper organization is key to make sure that you have enough space for all the things that you own. We’ve seen some families who have large enough homes but do not have enough living or even walking space just because they keep so much clutter. Furthermore, there should be enough storage spaces all around your house so that you have enough space for everything else. Are you now struggling with the home that lacks space for all the things that you own? If so these tips on how to make your home more spacious might be helpful for you. Take note of the steps and hopefully, you can have more space for the things you need.

How to Make Your Home More Spacious

Declutter – You may not realize it yet but you might have so many things that you don’t need in your house. Are you sure that all the things that you have right now are usable and functional? Did you even use all of them in the past year? Start by checking all of the things that you own right now and if you believe that some of them are no longer useful for you then start disposing of them. You don’t really need to throw them away. You can either resell them, give them away to friends who might need them, donate them, or throw away those that are not usable at all anymore. If you could resell some of your stuff, you might even earn from your clutter.

Re-organize your house – One great thing that we have read from expert advice is that it is best to put all furniture cabinets and other items around your home against the walls this way you have lots of walking and working space. This creates an illusion that you have a more spacious home.

Create more storage space – when you don’t have enough cabinets or shelves then maybe it’s time to purchase new ones. If you are on a tight budget you can go online perhaps on YouTube and look for videos on how to DIY these cabinets and storage spaces. 

So when you are still in the process of building your home, then make sure you also keep the tips above in mind. It may seem spacious while it’s new and you don’t have a lot of things yet, but clutter will build over time. You must at least have lots of storage spaces for future use.

Home Building- A Guide

Building with a modular home beats out other approaches as well. Compared to most any pre-fab or factory assisted homebuilding approach, modular home building requires the least amount of on-site work. What this means is that managing the project is far easier than with these other approaches. More work is completed in the factory and you are not involved in managing that work. And that’s a good deal.

Manufactured (mobile) homes are in a different category (a type of vehicle) and thus are not considered “real” homes. That leaves modulars at the top of the list for ease of on-site construction.

Your Job as a Master Home Builder

You begin your building project, while your modular home is being constructed in the factory, by preparing the site for its arrival. Then you and your home building coach (if you hire one) will manage the rest of the process. Here’s what that will entail:

Preparing the land and foundation: Your foundation contractors must be advised that you’re building a modular home and that dimensions and levels must be perfect.

Well and septic systems: This job needs to be done regardless of the homebuilding approach you take. If these utilities are already to your site, it will be a simpler matter of hooking up to them.

Shipping to your building site: The manufacturer usually handles the details of arranging for shipment.

Assembly of the main modular sections: Your home will be delivered in huge sections or modules (typically 2 – 4). Heavy equipment, again arranged by the manufacturer, is used while placing and connecting the modules on the foundation.

Trade subcontractors: Needed to complete the plumbing, heating and air, and electrical systems once the sections are assembled. With the help and advice of the manufacturer/dealer, you will hire and manage local contractors for this work.

Finishing subcontractors: Finish carpenters, floor covering contractors, tile layers, and other finishing contractors will be needed to complete the home before it’s livable. You and your coach manage these subcontractors.

With modular homes, even much of the finishing work is provided by the manufacturer so on-site work will not utilize all that many contractors. This saves a whole lot of time and usually money as well.

Home Building – Services Offered

Primarily an Owner Builder or a Home Building Service offers building services to you to help you complete the construction of your new home by offering services that you may find difficult to organize or find on your own.

Many of these services provide a variety of the items in different packages that they charge you for. The charges can range from a flat fee per square foot to fees for plans and financing your project through a third party bank and a variety of service some of which I have listed below. They naturally make a profit on every item (or service) offered to you.

These Home Building services can include:

Canned (Pre-Drawn) House Plans that they provide as part of the overall package.

Custom House Plans or revisions to the plans that they provide. Sometimes the program will charge you extra or limit the number of revisions that you are allowed.

Assistance in financing your home building project. They usually offer these services through a third party bank that they act as mortgage brokers. The advantage they have over the individual seeking their own home building financing is the scale of the loans that they process can give you more leverage with the bank if you have credit challenges. They have a financial interest in making sure your loan goes through because they usually collect a nice commission for sending you to that particular bank. You will certainly pay, but this may be they way you get a loan.

A list of Qualified Home Building contractors from your area. Many of these services offer a list of contractors that you can employ to complete the different phases of construction of your new home. They may provide a list but offer no guarantee as to the effectiveness or qualifications of those contractors. In other words, when it comes to contractors, it’s between you and them. If there’s a problem you are on your own legally.

Literature and planning tools that can help you build your home. This could include a DIY manual for the first time homebuilder, financing literature etc…

Guidance for the First time Home Builder. This can include meeting with a qualified builder or building advisor to help you plan your project and lay out the process from start to finish.

Home Building – Things To Know

Home building things to knowHome building things to know are the very first information you should find out before you begin the construction of your dream home. It is essential for you to learn more about the entire process before your even break ground. Being well-informed and aware of the process and techniques about to be applied to your house is important because you will be living in that place. So you might as well know everything about it as the information can be handy in the future.

So if you have already hired a home builder to work with, you must let them know in advance that you want to keep updated about the progress or whatever information they need to give you – as in everything that will go on while building your house which includes:

  1. The entire house plan – You need to know where things are going, what to expect your home to look like, the floor plan, layout of design, and more.
  2. Materials used – This is where some home buyers get scammed – they expect something with higher quality as they are charged high but the builder cuts the cost so they’re using lower quality. It’s important to find out the materials used to build your home.
  3. Timeframe – Also find out how long the process takes. What’s the schedule going to be like? How long before you can finally move into your new home?
  4. Possible alterations – Even if the entire home building process was carefully and completely planned, some revisions may come along the way while building. So ask your builder to inform you if they will be changing anything.

So if you want to make sure that you’re getting high-quality home building service, hire licensed professionals to do the job. Do check out their portfolio too to see what they have worked on so far!