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Our homes are our precious possessions - to own a home for oneself is a goal many people aim for in life, even from childhood. After making a home for oneself and the family, it needs to be kept clean and well maintained. Home repair improvement plays a big role in the duties of owning a home. Home repair improvement is something that should be handled with care and planning. If not, the whole effort is going to be counter productive and it will require another phase of home repair to set everything right.

While embarking upon a whole series of home repair improvement work, do a bit of thinking on how you are going to do the things. There are hundreds of sites on the web suggesting tips about effective home repair improvement and there are contractors who boast themselves to be the final word in the art of home repair improvement. The point is, while hiring someone for the home repair improvement work, make sure that the person under consideration is a competent expert in the trade. After all, your home is a major financial asset and it is your duty to ensure that all home repair improvement goes well.

In home repair improvement plans, there will be a lot of contractors coming forward offering their expert services at varying rates. You could easily find the contact information of such people in yellow pages, news papers and TV and Radio. But in such cases, there is no way by which we could assess their credibility regarding their expertise in home repair improvement work.

The best rule of thumb is to check it with your friends, neighbors, or co-workers who have had home repair improvement work done. Ask them if they were satisfied with the end product and get the name of the contractor they used. Get written estimates from several firms and ask for explanations for price variations. Don't automatically choose the lowest bidder.

Depending upon the scope and size of the home repair improvement project you have, select a general contractor or a specialist. Design/Build Contractors provide one-stop service - they see everything from start to finish. Make sure that the home repair improvement contractor you contact is reputable because not all contractors work ethically. Be aware of the following red flags - your contractor offers you discounts for referrals; he just happens to have materials left over from a previous job; he only accepts cash payments; he pressures you for an immediate decision; he offers exceptionally long guarantees and asks you to pay for the entire job up-front.

Before hiring a home repair improvement contractor it will be worthwhile to ask him a few questions. Ask how long he has been in business, if he is licensed and registered with the state, if he has a list of references, if he has a portfolio the projects done recently and what type insurance he carries. Any flaw in any of these factors invariably proves the point that the home repair improvement contractor is a phony or works without a valid license.

Regarding the payment options in the home repair improvement work, make sure that you have an idea about the limit of down payment. Try to make payments during the project contingent upon completion of a defined amount of work. Don't make the final payment or sign an affidavit of final release until you are satisfied with the work and know that the subcontractors and suppliers have been paid.

Make it a point to make a written contract signed by both the parties before starting the home repair improvement work. See carefully that every term and condition is agreed upon and is free of any loop holes. Keep track of all the relevant paper work concerning all the activities done during the home repair improvement work. Before you sign off and make the final payment, ensure yourself that every detail and everything is in place and accounted for. Make sure that all standards have been met and you have relevant proof that all subcontractors and suppliers have been paid. Above all, walk around and see that the home repair improvement work has been done satisfactorily.

During or after the home repair improvement work, if you have any difference of opinion, try to solve it by speaking with the contractor directly. If you are not able to resolve at that level, contact State and local consumer protection offices, state or local Builders Association and/or Remodelor's Council, the Local Better Business Bureau, Action line and consumer reporters or Local dispute resolution programs.

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Home Builders and Home Resources

http://www.bringyourbusinessonline.com/home-appraisal-values.html

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(ARA) - While older homes provide unique charm, they also come with many headaches and constant home repairs. To avoid the hassles that older homes entail, many homebuyers are choosing to build their homes.

But before you begin choosing home designs and countertop colors, you need to choose your builder. Doing a bit of research when choosing your builder will help to make sure your dream of homebuilding doesn’t turn into a nightmare.

Check your sources

Finding out about your builder’s past experience will help you get a better idea of their quality and customer satisfaction. Word of mouth is a great place to start. Find out what experiences others in your area have had with builders. In addition, contact the Better Business Bureau and the city building department to find out if there are any formal grievances made against the builder. Better Business Bureau information can be accessed at www.bbb.org.

Do they glue and screw?

Have you ever had a squeaky floorboard in your home or notice nails popping out of drywall? Worse yet, you hear everything going on in the next room through the walls? These small details can create a large annoyance for homeowners. To avoid these pesky squeaks, pops and noise, ask potential homebuilders if they “glue and screw” their floors and drywall.

For sub-floors, quality builders will add a layer of adhesive, such as Pro-Series SF-400 Sub-floor Adhesive or PL 400 Sub-floor Adhesive in addition to screwing down the sub-floor. This will prevent boards from moving and rubbing, which causes squeaks. For drywall installation, adding a layer of adhesive, such as Pro-Series Formula 38 Drywall Adhesive, will reduce the amount of nail pops that you’ll experience as the house settles, as well as reduce sound transmission through your walls. For more information on the benefits of gluing and screwing, visit www.osiproseries.com or www.stickwithPL.com.

What are your homes’ energy ratings?

Energy efficiency is a top priority for most homebuyers. Ask potential builders what energy rating their homes receive. The home energy rating is a standard measurement of a home's energy efficiency, rated using a Star rating. A 1-Star home would be very inefficient, with a 5-Star or Energy Star home being highly efficient. Energy Star homes not only save as much as 30 percent or more on energy costs associated with the home, but in addition, can allow homeowners to qualify for energy-efficient mortgages. (www.energystarhomes.com)

Quality in the Brands

When comparing builders, be sure you are comparing apples to apples. While one builder may quote a lower price, it may be that you are sacrificing higher quality materials to be used. Be sure to review the custom features of the homes, such as safety features and product lines used. Pay close attention to details of what brands of products the builder will be installing in the home. Quality brand name cabinets, paint, trim, furnace, air conditioning, windows and floor coverings may increase the overall cost of building your home, but will save you money over the long-run of your home. For more information on building your new home, visit the National Association of Home Builders at www.nahb.org.

Building a home will be one of the biggest investments of your lifetime, so be sure to take all the necessary steps to ensure that you find the best builder for your home.

Courtesy of ARA Content

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Home equity loans are often touted as being the solution to so many things – giving you access to money for home repairs or improvements, a way to consolidate debt, finance a sudden family emergency, or even as a way to start an investment portfolio. There’s a lot to think about, though, before you go and sign up for the first home equity loan you see.

A home equity loan is like a second mortgage on your home. If your home is currently worth $130,000, and you have a mortgage against it for $70,000, then you have $60,000 of equity available. Some home equity loans may allow you to borrow up to 80% of your home’s value, others may go higher in special circumstances. In this example, you would be able to borrow another $34,000 as a home equity loan and still have only borrowed 80%.

So the first step is to get a reasonably good idea of what your home is worth on the market. Your friendly realtor may help with this, but be aware that sometimes they can inflate the value in the hope of getting your business. You can also look at what price similar houses close by have sold for. Or you can pay a qualified valuer to assess your home.

Now you have a starting figure, you can work out how much equity you have in your home. The other important figure to work out is how much you need for whatever purpose you have in mind. Hopefully that works out to be less than the equity available! It’s even better if it’s less than 80% of the available equity.

At this point it’s important not to get carried away. It can be all too easy to say, well, I have $50,000 available and I really only need $30,000 to complete the repairs, so why not borrow $40,000 and blow the rest on a holiday? Remember – the more you borrow, the more it will cost you in repayments. It’s very easy to borrow too much, only to find yourself struggling to meet the payments and maybe even losing your home.

You also need to decide what type of home equity loan you want. There are two main types – a closed end loan and a line of credit. A closed end loan is basically the same as a standard home mortgage – you borrow the amount for a set period of time, and make payments over time to gradually pay off the balance.

A line of credit, on the other hand, is like having a credit card with a big limit. Some banks will require you to make minimum payments each month, others only require payments if you’re at your limit. Either way, the loan will only be for a set period of time, and at the end of that you will either have to extend the time period or refinance the loan with another lender. This type of facility can be useful if you’re disciplined with your money, but if you’re the type of person whose credits cards are always at their limits, it may not be a good idea at all to have ready access to such a large amount of credit.

Next, you need to work out how long you want to borrow the money for. This will vary depending on how much money you are borrowing, the type of home equity loan and how much you can afford to pay. There are lots of good mortgage calculators online that can help you to work this out. If borrowing the money over 5 years for a closed end loan means you won’t be able to meet the payments, then see if spreading the loan over 10 years becomes more affordable for you. You will pay more in the long run, but at least you won’t default on your loan.

When you know what you want, it’s time to go and find it! It may be worth starting with banks recommended to you by friends and family – at least they’ll be able to give feedback on their experiences. You can also shop around online, looking for the best deal.

Finally, when you have chosen the loan you want and are ready to proceed, do two more things. Firstly, check for fees. Banks are aware of the need to be competitive, and will often avoid charging up front fees for that reason. However it’s amazing what can be hidden in the fine print of a contract. So read any loan documents thoroughly before signing. If you can, get the contract explained to you by your legal advisor.

Home equity loans can be a wonderful tool when used correctly. Do your homework first, find the loan that best matches what you want, and go for it. Just make sure you don’t over extend yourself or sign documents that will give you nightmares forever.

About The Author

Investing and finance are two passions of the author. To find out more, check out www.homeequityloanzonecentral.com for more information.

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