Home Improvement Contractor - Is He Qualified

I am a general contractor in the state of Michigan. In other words I fix, build, or remodel anything pertaining to residential homes. The purpose of this article is to inform home owners about a growing problem in the construction/remodeling industry. That problem is the increasing numbers of unqualified individuals that are entering the field.

Due to the struggling economy and recent lay offs, many conversations around the kitchen table go something like this: What are we going to do now Jane? Well John, you helped my brother roof his house that one time and you fixed the door on our shed and you like working around the house...why dont you put an ad in the paper as a roofer or a carpenter? Hey Jane, thats a great idea. I can get business by offering a really low price. Yea, that's what Ill do!

Now I feel for a guy that is out of work. I really do. But when an unqualified individual decides "hey I'll be a contractor", all to often this results in nothing but trouble for the customer. What happens if John falls off the roof or drops his hammer on the hood of your brand new car? Is he insured?

What about warranties? If he says I will guarantee this roof wont leak for 5 years, and then it does, will he still be in business? Statistics say no. As a matter of fact, most of the people entering into business today will not be in business 1 year from now, much less 5 years from now.

Of course there is the most important question: does he know what hes doing? Does the fact that John helped his brother roof a house make him a qualified roofer?

There are insurance considerations as well. For example, lets say a home owner hires an individual that is not licensed to install a new furnace in his home. If the furnace starts a fire and burns the house down, some insurance companies will deny the claim. The reason is since there is no record of a permit(which there would not be as an unlicensed individual can not obtain a permit) they assume that the furnace could have been installed incorrectly. Now a home owner is left with a huge loss and all because they wanted to save a few bucks on the installation.

Do yourself a favor and stick with a pro. If you conduct a proper contractor interview, then you know that you are going to get a quality job by a licensed and insured individual who offers a warranty..and honors it. If you are not sure how to conduct a proper contractor interview, you can find information on this and other subjects at my web site.

My name is R. Paul Phillips. I am a co owner of Tanner-Phillips Properties, which is a new construction/remodeling business in Lansing, Mi. I have a free home improvement information website located at http://www.greater-lansing-home-improvement.com While my site is tailored for the Lansing area, the majority of the information is useful to anyone interested in home improvement tips, product reviews, how to screen contractors......etc. I also have a contact page so you can ask questions specific to your project.

Home Improvement Money Is Available

Buying a house that needs repair is often very challenging, because lenders won't lend the money to buy the house until the repairs are done, and the repairs can't be completed until the house has been bought. Also, in today's quirky market, getting home improvement money from a bank or lending source if one already owns the home is near impossible because banks and lenders are only issuing (approved) home equity or standalone second loans up to 85%, sometimes 90% of the properties current market value, and even if such a loan is made, the rates and terms are daunting, thereby putting such loans out of reach for most homeowners. Credit card companies are reducing people's limits, always changing their terms and are not viable options for home improvements. Not to mention, who can or wants to borrow megabucks on a credit card?

The Office of Housing and Urban Development's (HUD) 203(k) program can help you with this challenge and allow you to purchase or refinance a property PLUS include the cost of making the repairs and improvements. The FHA insured 203(k) loan is provided through approved mortgage lenders. It is available only to approved people who intend to occupy the home. Multi-family properties and mixed-use properties also may qualify, under certain conditions.

The down payment or equity requirement is 2.25%.

In short, the 203(k) loan includes the following steps:

- A potential home buyer finds a home and executes a sales contract after doing a feasibility analysis of the property with their Realtor and chosen contractor(s). The contract should be contingent upon the borrower's 203(k) loan approval. Also, the seller needs to allow visits from a HUD consultant & contractor to analyze the cost estimate and extent of work needed and or wanted.

- The home buyer then selects an FHA-approved 203(k) lender or broker and arranges for a detailed report showing the scope and type(s) of work to be done, including an itemized cost estimate on each repair or improvement of the project.

- An appraisal is ordered to determine the as is value as well as the value of the property after renovation.

- If the borrower is approved, the loan closes for an amount that will cover the purchase or refinance cost of the property, the improvement costs and all allowable closing costs, which is generally about 3% of the loan amount. The amount of the loan will also include a contingency reserve of 10% to 20% of the total remodeling costs and is used to cover any extra work not included in the original proposal. Any unused funds from this reserve account at work completion are used to pay down the loan balance.

- At the closing, the seller of the property (or the homeowner's current lender, in the case of a refinance) gets paid off and the remaining monies are put into an escrow account to pay for the repairs and upgrades during the rehab period.

- The mortgage repayment and construction begin right after the loan closes. The borrower can choose to have up to 6 mortgage payments (principal, interest, taxes and insurance) put into the cost of rehabilitation if the property is not going to be or cannot be occupied during the improvement process, but it can't exceed the length of time it is estimated to complete the improvements.

- Escrowed funds are disbursed to the contractor during the construction through a series of HUD-approved draw requests for completed work. To ensure completion of the job, ten percent of each draw is held back; this money is paid after the lender determines there will be no liens on the property.

If you're a homeowner or prospective buyer of a "fixer upper" and you are seeking home improvement money, you should strongly consider exploiting this resource. Note: self employed applicants are extremely difficult to qualify due to their absence of declared net income. These are fully documented loans only, no "stated income" or "ALT-A" home improvement loans like this exist, unfortunately.

If you are a home improvement specialist that is losing jobs because of the demise of homeowner equity and a lack of homeowner payment options, you really should read up on this a bit more. If you are a Realtor who knows of fixer upper properties, you also should research this a bit more. It's what the market right now is starving for!

As always, I'm here to help!

~ Jamie

For more, visit http://www.mortgagemagician.blogspot.com

What Goes in to Quality Workmanship

When having a service performed by anyone, in any type of industry, it should be expected that the end result being received is something that is quality work. Companies and contractors that claim to be experts in their industry and field should be able to give their clients the type of workmanship and craftsmanship that they are known for.

Before choosing the company that is going to come to do work for you on your home it is often times best to ask around to friends to see what types of contractors that they have used in the past or to go online and find a website where the work of the company has been reviewed. Often times these reviews, or a testimonial directly from your friend, will give you an idea of what type of contractor you will be working with, the level of craftsmanship and workmanship that they may provide, and the amount of courtesy and respect that you can expect to receive from whomever you will be working with.

Say that you are having some sort of construction project done for your home, like a deck, sun room, or screen room; you are going to want someone that is going to do a quality job. These types of exterior features on a home can really make or break what people see on the outside of your dwelling. These are also structures that can be very dangerous if not constructed properly. The workmanship and the tools and materials that going into constructing something of this magnitude must be used properly and put together in a manner that is not only aesthetically appealing, but is also as stable and sturdy and safe as possible.

It is best to use a contracting company that is known for its professionalism and integrity in their line of work. The company should want each of its customers to be extremely satisfied with the work that is done not only for the sake of that customer but for the sake of maintaining a good name for the business.

Remodeling projects can really add that something extra and functionality to your home so working with the best workmen and craftsmen in the business is really the only way to go. Your home should look like it was worked on be a skilled artist, just one that specializes in home projects.

Kathleen Whitlow is a copywriter and marketing agent of Classic Construction. The exterior construction company provides decks, sunrooms, screenrooms, vinyl siding, and more throughout the Richmond Virginia area. For more information on their Exterior Classic Construction please visit their website

How To Spruce Up Your Patio - Creative Home Ideas

Tired of the same boring patio? Why not give it a makeover? Here are some tips that you can use in sprucing up your patio:

Fill it up with chairs

One way of upgrading the appearance of your patio is through the addition of chairs. Choose high-quality chairs like Adirondack rocking chairs or Amish-made rocking chairs made from the finest hard wood. These chairs will provide you with the comfort and relaxation you need while staying in your patio. Also, when choosing a rocking chair, keep in mind the type of material used. Make sure that the wood used in the construction of the rocking chair is weather-resistant and sturdy. If you're not a fan of chairs, maybe you should buy a hammock instead. It is still comfortable to chill in, pleasant to look at, and inexpensive to purchase. Also, like the rocking chair, the hammock sways.

Put a cute tiny table

Where there are chairs, there are at least one table. Add a cute tiny table that is made preferably from the same type of wood material as the chairs. Matching chairs and tables will certainly add up to the flair of your patio. Choose a table that is simple yet stylish. Like the chairs, your table must be weather-resistant since it will be staying outdoors for a long time. The table is a good spot to place your cold drinks or afternoon snacks while you're enjoying a little sun outside the house. The table is certainly a good addition to your patio!

Buy an outdoor whirlpool bathtub.

Why not purchase your very own whirlpool bathtub? You will have the chance to experience the soothing sensation provided by the whirlpool effects of the water. It is recommended for people who are stressed by work or school because it relaxes the muscles and cleanses the skin. Since the tub is quite spacious, you can also enjoy it with your friends. You can catch up on the latest Hollywood gossips and the recent prime-time soap episodes while eliminating those unwanted dirt and dead cells off your bodies. Now that is relaxation!

Add some useful gadgets and pretty accessories.

Decorate your patio with some useful gadgets. Add outdoor heaters or fireplaces to add warmth in your patio during cold weathers. If you want, you can also add a mosquito-inhibitor or an insect-control unit that keeps insects and other pests away from your place. For an added personal touch, you can also put in some accessories like decorative planters, wall fountains, garden bells, and outdoor umbrellas.

Jerry Brecken is a freelance writer who is currently writing for My Rocking Chairs, a guide to selecting and buying nursery rocking chairs, and massage rocking chairs

Leveling Your Floor - Home Repair Tips

If you've ever been in a building where you feel like you are getting pushed to one side and you can't seem to stand up. You have either been drinking too much alcohol or the floor could be sloping. I was just in a store the other day that was full of antiques and glass but I could hardly stand up because the floor was sloping enough to create what I would consider a liability issue to the store owner.

Sloping floors are not going to be that easy to fix and repair. Repairing these floors will require a little skill and it would be a good idea to hire a professional to repair the damage. This is not going to be a simple fix and this is probably the main reason most people never choose to fix their sloping floors.

Fixing these floors will require either pouring a new concrete slab, replacing the wood floor framing members or replacing the actual building foundation itself. No matter how you look at it the sloping floor is going to be a costly item to repair.

What causes a sloping floor? Termite damage or dry rot destroying the wood framing or it could be as simple as a water leak over a long period of time causing the building foundation to sink and become out of level. Poor soil conditions with either too sandy or an expansive clay soil could be the culprit also.

Sloping floors can be damaged from incorrect landscape drainage. This would involve water settling around the foundation of your home and over a period of time the weight of the house along with soil problems can create the building to start sloping to one side.

The number one contributor to a sloping floor again like most damage done to a house is going to be water. Do your best to keep the water away from the house using roof gutters and landscape drains. These items are relatively inexpensive compared to the costs involved in repairing sloping floors.

Greg Vanden Berge is working on the internet to promote the education for creating simple to follow guides and home building books to help professional building contractors as well as the weekend warriors. He is currently working on more building stairs books and adding useful content to help solve problems created by the lack of construction knowledge in the building industry.

Find out more about Water Damage.

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Contractor Manners For Customers to Give to Their Builder

Often custom home builders will have something written up or a prepared speech to give their clients at the start of the process that is designed to get everyone on the same page. It is an orientation intended to set up guidelines of etiquette such as when it is o.k. to call or it might include tips like not talking on and on with the workers. It probably includes a rough time line and perhaps a list of small problems that may occur but need not be made into big ones. This kind of reality meeting can go a long ways in eliminating future frustrations and bringing expectations down to earth. Simply put, it is a pound of prevention.

For the builder, it helps insure the freedom to run their business as they see fit. This is fair, since the builder is running a business. It is also beneficial to the customer, giving them a guide about how the builder expects them to interact.

While the customer is usually not experienced with the custom building process, they also have the right to present the builder with their own set of guidelines designed to orientate the builder with what they expect from them during the building process. My list is the product of 40 years involvement in the home building field starting out as a young laborer for my contractor parents, then as a sub contractor and finally as a home builder for nearly 20 years. I've never seen a customer present such a guideline but I have always thought both parties would do well starting out with one.

1) Do not talk derogatorily about us to people in your office, your subs, the lenders or anyone else. The truth is that many people are difficult to work with and so it follows that people having their home built are often such types. Additionally, the home building process involves a lot of money, emotions and expectations on the part of the customers which can make even polite and reasonable people not so polite and reasonable.The thing I have seen over and over is builders putting a difficult client into their mental "These Guys Are Idiots" file and commence an ongoing dialogue with the office staff, their subs and anyone who will listen about how hard these customers are to work with. The builder is really being unprofessional and seeking sympathy rather than doing the work to figure out how to make the customer happy. If they only want to work for really nice people they need to move to Mayberry.

Talking behind anyone's back at any time is unwise, but in the custom home process it is especially foolish because it creates negativity around a very important undertaking. The worst part is that builders, like every one, think they can get away with it when there is no way a customer will not pick up the negative attitude the builder has spread around concerning them during the long and socially intense
building process.

2) We need constant updating, reassurance and edification. This really is not too much to ask from the builder. While the customer has to be reasonable and not call five times a day, they need to have questions answered. Often it is in the best interest of all concerned, like when the home owner spots a mistake that might be easy to fix the next day but very difficult after a week's progress. Good builders understand the customer has a huge stake in the project and should not be left in the dark. One suggestion is to use emails. They lend themselves to none intrusive and thought out communication, and they leave a record as to what was actually said.

3) Answer your cell when we call or get back within 30 minutes. Everyone has caller I.D. and they know how to use it. Too often busy and somewhat rude people abuse it by using it to screen calls when they are not in the mood to talk to a particular person. It is fair to take a few minutes to listen to a message and then prepare for a conversation. The main thing is to be available and not evasive because this builds distrust and frustration.

It is a good idea to set up times when calls are welcome, and only go outside of those parameters for emergencies. It also fair to have the office staff sometimes return calls when only a simple answer is required.

4) View us like they do at Sears or anywhere else I spend my money. The building process is very involved and drawn out, but basically it is the same as patronizing your favorite convenience store or grocery store. You do business there because you chose to and you get what you want and are treated with respect.

If a builder is not professional, they often lose sight of the fact that they are in business to provide a service and that the customer chose them to provide it. This comes from the fact that building a home takes months and involves thousands of dollars and a million decisions. It is easy to lose sight of the simplicity of the relationship in such a complex undertaking.

5) Please don't roll your eyes when we ask dumb questions or want to make changes. The builder knows in advance the home owner is going hit him with lots of both. What you are asking for in advance is patience and forgiveness. In the first place, there really is no such thing as a dumb question and you certainly have as much right to ask whatever you want as anyone. In the second place, concerning changes, everyone has the right to change their mind about prior decisions. The key here is to understand they cost time and money, and are some times a pain in the rear. But as long as you are willing to pay for them, the builder should be politely accommodating.

6) I'll try to see your side if you try to see mine. This is really the key to working through the myriad of decisions and complications of the custom home building process. If you want to enjoy the experience and wind up with the home of your dreams then you have got to be mature and fair and pick a builder that will treat you the same.

As you probably have surmised, the above list is really just common sense and common courtesy. Most builders are professional enough and experienced enough to not need any such reminders. However, I am continually amazed at the number of custom home builders that either load their plates to full and forget their manners or never learned any in the first place. Edit this list or add to it , but present some version of it at the beginning. If they react with an open mind, then stick with them. If they react defensively, then you know you have a problem.

Craig Swanson is a second generation home builder in Spokane, Washington. to learn more about him or his company, Craig's Building Services, go to http://spokanevalleyscoop.com

Building Projects With Treated Wood - Home Remodeling Ideas

Building with treated wood and the idea that this project will last forever because of the wood you used is not necessarily true. Over the years I have seen contractors and homeowners use treated wood for projects like building decks with this idea in mind.

I just met with a homeowner that was asking me about vinyl fencing. The homeowner approached me with some facts about vinyl fencing. She started to explain to me how long a vinyl fence would last verses a wood fence. I reminded her that the vinyl posts usually slip over metal or wood building materials.

She proceeded to inform me that treated wood will last a lot longer than wood used when building a wooden fence. It took me a while to change her mind and reprogram her with a few picture this from my website. I know this is hard to imagine but wood rots and steel rust.

All you end up with is a vinyl fence that is in pretty good shape if taken care of properly laying down in your yard with broken or rusted fence posts.

Do you know that some people use treated wood for countertops and food preparation areas when building certain projects like an outdoor barbecue? Do you know people build outdoor furniture with treated wood and then sit in it with a chance of toxic chemicals entering into your body? This is where Redwood comes in as a natural building product or other nice looking woods. Redwood is classified as a softwood and if used for a countertop and a barbecue kitchen area you will have to protect it from heavy pans and people using the countertop for a cutting board.

Do not use treated wood for a projects that will be used for food preparation later.

It's a good idea to wash your hands after handling treated lumber. It's a really good idea to wash your hands after using treated lumber if you are going to eat something or make something for another person or yourself.

For all the homeowners and building contractors that use treated wood and bury it in dirt. Or build a low lying deck right above the ground I would like to share something with you. I have been repairing and replacing your work for over 30 years now. You guys keep me busy and I want to thank you for all the years you guys have been in business.

I still can't believe the amount of work I see being done using treated wood with the illusion that it will last longer than regular construction standard wood. I don't know how else to put it except to say treated wood will rot fast in the right conditions.

Treated wood does need to be protected from rain, snow, heat and other elements of the weather. It cannot sit in the dirt or lay in water for long periods of time without slowly disintegrating. Oh yeah one more thing termites will eat sections of the wood that is not completely treated.

Use treated wood properly when building and inform other people about some of the stuff you learned in this article. Reread this article later and save it for the future.

Greg Vanden Berge is working on the internet to promote the education for creating simple to follow guides and home building books to help professional building contractors as well as the weekend warriors. He is currently working on more Building and Remodeling Library and adding useful content to help solve problems created by the lack of construction knowledge in the building industry.

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