2. Central heating and air-conditioning.  In an older home, you’re likely to find those creaky radiators by the window which either let out a lot of heat or none at all.  You’ll also lose a part of a window when you have to install an air-conditioner in it.  In most new homes, you’ll have central heating and air-conditioning, both of which make less noise and perform better overall.

3. Better investments.  Newer homes make better investments than older ones.  This is because, as a home gets older, it’s bound to become less livable.  It’s going to need a lot of maintenance, maybe even a complete overhaul, to maintain those quaint old architectural elements while still having modern conveniences.  If you don’t perform these renovations, the people who buy the home from you will have to do so.  As a result, they’re less likely to pay you a high price for your home.

So if you’re thinking about buying or constructing a new home, contact us.  We will help you to customize your home so that it becomes everything you’re looking for.

Pay the balance in full on time.  This is the easiest way to build credit and keep credit at a good score.  A perpetual process of payment will look good to lenders.  Look at the date and pay the amount specified.  If you cannot afford to pay it in full, understand that paying the minimum balance includes a low credit score and unnecessary interest rates.  Pay off as much maxed-out credit cards as possible.

Don’t close old accounts or add new ones.  Most of the time, closing an account means you’re done with it.  Everything attached to the account permanently vanishes. In credit history, closing accounts hurts your credit score.  The paper trail remains on your file for a maximum of seven years.  Opening a new account will lower the average credit age and credit score because it’s too new for the account to make an impact.  It’s best to open a new account after obtaining the home and mortgage.

A lengthy credit history looks good to creditors.  Lenders see a long stable credit history as someone they can trust.  Credit accounts that are too new have a harder chance of obtaining creditors’ trust.

The unemployed, bad credit or no credit recipients still have an option: paying more on the down payment.  It’s going to take a chunk of money to receive the trust of lenders, but it’s worth it.  They’ll have more money in their possession, and you’ll get the mortgage loan.  It also increases the chances of becoming a homeowner.

Credit scores mean the world to lenders.  Since rules and regulations force lenders to be tougher, prove to them you are responsible and dependent with credit history.  For more information on purchasing the home of your dreams, contact us.

 Questions Pertaining to the Logistics

• What floor plans are available? Do you build from your plans or can I provide my own?
• What type of home design do you recommend?
• What features are standard? What upgrades can I choose?
• Will the home have any low-water or energy-saving features?
• How much will my new house cost?
• How long does building a new house take?
• Will I be able to see the home while it is being built? Am I allowed to bring others onto the build site?
• Who chooses the wall colors, floor material, cabinets, and other things in the house?
• Is any of the landscaping included in the price?
• Can I purchase things such as appliances from my brother (or other person) who works in the industry?

Questions About Customer Service

• What can I expect from you during the building process?
• Who do I contact with questions about the building of my new home during the process?
• Who do I talk with if I change my mind about something?

The list of questions serves as a guide to help you find the best builder for your new home. If there are other questions, don’t hesitate to contact us.

Can You Afford Everything?  You might have a lot of different ideas about what you want in a home.  Maybe you want that perfect four-poster bedroom, a living room with a view, a study where you can concentrate, a gym where you can work out, a fully equipped kitchen where you can create some of your favorite dishes, a den with a big screen TV and other entertainment options, a swimming pool, a garden, a rock garden, a koi pond, etc. The list of things that you like can just go on and on.  If you can afford it all, there’s no reason why you shouldn’t have it, unless the two things are clashing with each other like flower beds and rock gardens. If you can’t afford everything, make sure you get the things you’re definitely going to use rather than the things that you might want to use once in a while.

Taste. The other problem with getting absolutely everything you want out of a home is that it might be a little bit out of the bounds of good taste.  This doesn’t mean that you have to rein yourself in and settle for something that you don’t love.  It just means that you should think about whether you’re getting these things because you actually want them or because they’re status symbols.  If you can be sure that it’s your own taste which is dictating the building of your home, then you can rest easy.

These are just a few things you should consider when you’re building a custom home.  Contact us for more tips and information.