Panelized Foundations are Superior

The benefits of pre-fab walls over concrete block and poured cement are numerous. Besides being a faster and more precise foundation construction method, the formed panels are delivered to the job site intact and set crews unload and position in perfect placement.

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The walls are also pre-insulated and prepared with aluminum nailers with ports for wiring and plumbing. This makes finishing and insulating a basement to new HERS specifications easier, which can save thousands.

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Deep footings are also not necessary, a costly excavation task, with the panel walls being set on just 12″ of peat gravel.

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Once the slab is poured everything locks together and is water tight. When considering the type of foundation for your new home, it’s hard to stand against the benefits of US factory made foundation panels.

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Learn more, ask a builder

Panelized Home Building is a Snap

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In the high-tech approach known as panelized construction, pre-engineered wall sections are produced for a new home in factory-controlled conditions, then shipped complete to the building site for final construction.

Unlike stick-built homes, a panelized home is built with factory perfect precision and once the foundation is set, can be weather tight in just a few days. This allows crews to work comfortably as they install all services and finish the home faster with better quality.

1 Acre 2-family Zoned Land in Northern Westchester, NY

Builder/land owner has 1 acre of two-family zoned land in quiet residential neighborhood with full lake rights.

Builder will build a custom home on this lot of approximately 2000 ft2. A multi family dwelling can also be accommodated as this type of zoning is rare in the Town of Cortlandt.

Click here to view custom home plans and models.

All home styles can be customized to meet current architectural community requirements. Featured home plan included in this listing is a suggestion based on similar exterior appearance of adjacent homes. Stone and stucco is a common neighborhood style.

$149,900 Asking price is for land portion only. Sale of property is contingent upon building a custom home. Total price of home and land will be based upon size of home, plan style and details selected by homeowner.

Contact land owner for more information.

Forgotten Costs of a New Home

When looking to make the leap from renting to owning, many potential homeowners crunch the numbers to see how their monthly rent check stacks up to a monthly mortgage payment. While this is a good starting point, would-be homeowners often neglect to factor in the other costs involved in buying and maintaining a home. Before you make the jump to home ownership, here are some added costs to consider.

Inspections

It’s an unfortunate reality of home ownership: Even before you’ve officially bought the house, you’re already paying added fees. Before a lender will sign off on a loan, most will insist on getting a building inspection. After all, should a buyer fall behind on the monthly mortgage payments, a lender doesn’t want to foreclose on a house that’s about to collapse in on itself. A typical home inspection will cost between $300 and $500 and usually covers things like the condition of the roof, the quality of the foundation and whether the circuit breaker hqessays and electrical system is up to code. However, a building inspection isn’t just a tool used by a bank to ensure that your house is a safe investment. As a new homeowner, an inspection is also a valuable guide to your potential new home. Follow along with the inspector and you’ll learn all the ins-and-outs of the place before you even move in.

Closing Fees

The asking price of the home is only one piece of the equation when buying a house. Once you sign on the dotted line, you’ll also be responsible for the cost of the closing fees. Usually costing a few thousand dollars, these fees pay for things like the lender running credit checks, an attorney filing the paperwork to transfer the property over to you, and a notary to ensure the transfer is legal. While they can add between 2 percent and 4 percent to the cost of a home, these fees usually get rolled into the mortgage itself, which means you’ll be able to spread them out over the length of a mortgage, rather than having to cough them up as a lump sum the day you sign.

Homeowners Insurance

Before you even get the keys to the new home, you’re going to have to prove that you have homeowners insurance. With cars, auto insurance is mandatory because you are a liability to other drivers on the road. Similarly, homeowners insurance is required because you are a liability to your lender should your house go up in flames and the property becomes worthless. The cost for insurance varies widely, and depends largely on where you live and the value of your home. There are also added costs if you live in an area prone to flooding, hurricanes or other natural disasters.

Property Tax

As a renter, you already indirectly paid a local property tax through your monthly rent checks, a portion of which your landlord uses to pay the tax bill. But as a home owner, you’re going to have to pay these fees directly. Usually levied on the state and city level, these fees pay for local services like public schools, roadways and sewers. The local tax office will assess the value of your home and peg these taxes to that value. As a homeowner, however, you usually have means of challenging that tax assessment, which you should make sure to do if you feel your home is being overvalued.

Maintenance

Homeownership comes with certain advantages, but unfortunately there’s no super to call when a plumbing problem occurs or your heat goes out. Maintenance and upkeep is one of the biggest costs you have to face as a new homeowner, especially once you find out that the previous owners left the place in a state of disrepair. While these costs can put the pinch on you, keep in mind that you’ll be living here for years to come, so improvements and maintenance will feel well worth it.

Direct lender payday loans EPA new water reg could bring feds into your backyard

epa gestapo tacticsSeveral Republican lawmakers and even state farming groups and local governments are warning, after a draft rule from the Environmental Protection Agency proposed expanding which waterways are federally protected under the Clean Water Act.

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The concern is that the move could give the feds authority over virtually any stream or ditch, and hand environmentalists another way to sue property owners. In other words, critics say, the government might soon be able to declare jurisdiction over a seasonal stream in your backyard.

If so, good luck getting a permit to expand building space on your property, or marketing your land to prospective developers.

“(The) draft rule sent to the White House for review could direct lender payday loans expand the EPA’s regulatory power to give the agency unprecedented new authority over seasonal streams and ditches on private property,” Rep. Lamar Smith, R-Texas, chairman of the House Science, Space and Technology Committee, said in a statement to FoxNews.com.