Archive for Builder in Southern MD

Closing on your new homes in La Plata MD

How the deal gets done: Closing on your new home in La Plata MD.

How the deal gets done: Closing on your new home in Charles County MD.

A lot has to happen before you can close on a new home successfully. Some of it is your responsibility, and some of it belongs to others. But don’t expect it to happen overnight or perfectly smoothly. There are too many factors involved. And there’s a lot of money riding on the deal, too not all of it yours. So the wisest thing to do is take care of everything at your end; dot every i and cross every t that you can from your end of things. And be picky, picky, picky about who you’re doing business with; from the get-go, choose only the most experienced, successful professionals and companies that you can find. They have what it takes to make the long, complicated process considerably more bearable. For example, if it’s possible, its a good idea to go with a Texas-based lender, because of Texas’ real estate laws, some of which differ from that of some other states. An out-of-state lender might make some mistaken assumptions that could add to delays.

For most homebuyers, pre-qualifying for a home loan and signing a contract are major steps. But that’s just the beginning of the journey towards homeownership. And the rest of the trip can sometimes make or break the deal. Its during this period that the lender is trying to complete the financial package, the title company is doing the necessary research, surveys and appraisals are put into motion, and the homebuyer orders home inspections and obtains homeowners insurance. Anything that goes wrong at any of these stages could mean delays or even a broken deal.

As a homebuyer, you need to know that pre-qualifying for a mortgage loan and actually qualifying for it are two very different things. You also need to know that the difference between the two can definitely affect the closing date. To get pre-qualified, a homebuyer must meet with the lender and have essential information (Social Security number, income, etc. at hand). Then, after checking your credit score, income, and employment, the mortgage lender writes up a document based upon this preliminary information that states what size of the loan you might qualify for. Remember, this is not a final conclusion or a mortgage loan approval really only the lenders educated guess so do not start counting your chickens just yet! As a matter of fact, many lenders these days are encouraging homebuyers to skip prequalification and go directly to qualification before they start looking at homes or, in many cases, even before the contract is signed.

That’s because the actual qualification process is much, much more extensive and in-depth. Typically, it involves giving the lender accurate information, W2 forms, bank statements, tax returns, and proof of income. All this goes through the lenders approval process, which can take a fair amount of time. That’s because the up-to-date accuracy of the information you’ve given them is checked and double-checked at this time. So be sure of your facts and figures, because any errors, inconsistencies, credit problems, or misinformation could definitely put a damper on things at this point.

Things a homebuyer should know. Or expect. Or do.

* Lenders should give buyers a good-faith estimate of how much money to bring in by certified check to the closing. Closing costs typically run about 3 to 6 percent of the loan amount.

* One business day before closing, you have the right to inspect the Uniform Settlement Statement. This itemizes the costs of all services you must pay at closing.

* The lender is also responsible for giving you a truth-in-lending statement that states all the details about the cost of the loan.

* The title company’s job is to research public records and verify that the buyer and the seller won’t have any lawsuits, liens, or judgments against them or the property.

* One of the real estate agent’s jobs is to stay in contact with the title company during the research phase, just to make sure that any problems that might surface are dealt with promptly. It’s important to avoid last-minute surprises, which could lead to delays in closing.

* Before closing, the smart homebuyer should order inspections on the house and property to make sure that everything is in good shape and that no major repairs are required. Repairs could change the agreed-upon price in the contract. The homebuyer should be there with the inspector when it’s done. Why? Because an inspector’s report can be 10-12 pages long and full of technical jargon, so being there to ask questions and get on-the-spot explanations can really help you get a grip on the situation. The cost of an inspection can vary; it depends on the location of the house, the size of the house, and what kind of foundation it has. By the way, a termite inspection also needs to be ordered by the homebuyer before the closing. If an inspector is not certified in this area, another inspector will have to be hired.

* Homebuyers are responsible for getting homeowner’s insurance and have proof of it at closing. The Texas Department of Insurance says buyers should expect to pay about $400 to $1,000 a year for insurance and possibly even more if the home is in a flood zone. Most lenders will recommend an escrow account where funds for insurance and property taxes are automatically set aside each month.

* The lender will require hazard and liability insurance for at least the amount of the loan. At the closing, youll be expected to pay the first years premium for this insurance.

* The homebuyer should schedule a final walk-through of the house right before the closing. It would be a good idea to do the walk-through with your real estate agent. You want to make sure that the house is in the condition that you agreed upon in the contract. Remember, once the closing is done, your the owner of the house is. You no longer have any legal power to get the seller to fix anything, and the seller no longer has any legal responsibility to do so.

* A settlement agent usually the title insurance company is the one who usually sets the time and place of closing.

 

AFTER READING THIS ARTICLE OTHERS READ:

Building Permits in Charles County MD

Southern MD New Home Shower Enclosures

A Shower Enclosure to Suit Every Style and Environment

When building a new home in Charles County or remodeling your home remember the bathroom is a key room in your home.  Your home gives you the opportunity to express yourself with each room providing visitors with a little insight into your thoughts and emotions. Each room in your home plays an important role in explaining who you are and what your personality is. Don’t forget your bathroom is also a key room in your home. Your bathroom is typically your first stop in the morning and your last in the evening therefore.  The fixtures you choose must stand the test of time.

When building a new home consider the shower. It is important that you have a space where you feel refreshed and comforted first thing in the morning when getting ready for the day ahead. The biggest problem you will face when choosing a new shower enclosure is which one makes the best sense for you. With so many styles available it can be difficult to know what style would suit best your needs. Your builder can help in choosing an enclosure that will fit the available space. Before you start looking through brochures and wandering around showrooms you must first be sure of the space and shape you have to work with. A popular choice for those with space are walk in enclosures also known as wet rooms.

Shower Enclosure Doors

Enclosure doors seal off a recessed area of the bathroom. Some tiled cubicles don’t need doors. These types of showers have tiled side panels typically built at the bathroom design stage. Typical enclosure doors include the following:

Sliding Doors – As the name suggests the door is split into two with the right hand section sliding to the left. This style of door ensures easy access to the enclosure whilst not being a hindrance to the room in opening outwards, which causes problems in some enclosures where space is a problem.

In-Fold Doors – In-Fold doors (or Bi-Fold doors as they are also known) are a concertina effect and again, like sliding doors, ensure that they make the most of the space and don’t become obstructive due to them not opening outwards. This can be considered more practical than a sliding door as it provides a greater amount of space to enter and exit the enclosure.

Pivot Doors – A Pivot door is one that opens outwards away from the enclosure, just like any standard door, ensuring complete access to the enclosure. This type of door however can only be used where you have the necessary space to open the door outwards fully.

Enclosure Side Panels

Side panels can be used in conjunction with shower doors in order to create a full enclosure where a recessed option in your bathroom is not available. You have the ability to create an enclosure that suits the space you have and the style you want, with a modern and stylish enclosure providing you with that touch of class. Side panels come in an array of styles and sizes, each being linked with a shower door to provide a full and matching enclosure. For those of you looking for a different type of enclosure door in order to make the most of your space, the Corner Entry enclosure, as the name suggests, opens at the corner, allowing you to make the most of your space, compared to other types of doors that require entry at either side of the enclosure, which is not always possible.

Walk In Shower Enclosures

For those of you with the space you can opt for the ultimate luxury in a Walk In Shower Enclosure, a touch of elegance to brighten up any showering environment. Walk In enclosures can simply be a panel on a tiled floor, a panel attached to a shower tray or a full enclosure, their use dependent on personal style and available space. Typical Walk In enclosure panels start at 1500mm in length providing you with ample space to enjoy your shower. Prices are higher than that of the conventional enclosure and door though you are paying for that luxury item which will be the focal point of your bathroom or en suite.

Wilkerson Builders is happy to discuss all the amazing choices you have for a new Luxury home in Charles County MD.

 

AFTER READING THIS ARTICLE OTHERS READ:

Caring for Kitchen Countertops

 

House types Charles County MD

Making Your Home Beautiful in Charles County MD

Styles of Homes in Charles County MDAs there are several different home styles in Charles County to consider, having some knowledge about the various designs and what it entails would be a good place to start.

The following are some simple outlines on the more popular home designs located throughout Charles County MD:

 

  • Farmhouse –here the main facade feature would be the covered porch that usually stretches along the front and goes around the sides of the unit. One may also consider the steep gable roof, shutters and horizontal siding that make up the style of the farmhouse.
  • Georgian –the symmetrical design evident here comes from the stately brick facade that amplifies the Georgian style. The decorative keystones over the shuttered windows, the columned entryway and the gabled dormers all add to the distinct characteristic of this style.
  • Cape Cod –the simple lines used here contribute to the symmetrical design, where the dormers and the dominant roofline dictate its distinctness. The roofline, which typically extends down to the first floor, is what makes this design mirror the early styles.
  • Victorian –Victorian style architecture has a very distinctive style that is recognizable in the home corner turret, its wraparound porch and the ornate detailing work. This is also another style that is considered dated, yet still charmingly drawing the interest of a lot of home owners.
  • Mediterranean –the arched windows and stucco exterior are all part of this particular style. Adding to this, the low pitched tiled roof is an excellent example of the Mediterranean style.
  • Contemporary –then there is the ever popular more suburban look which is displayed through its asymmetrical design of varied rooflines, stark facade and hold windows. In some designs, there is the add-on of a circular tower with a domed skylight.

Always Have A First Aid Kit

Be Safe

A well-stocked first aid kit is sometime the only recourse an individual has to the first line of defense when accidents occur at home, at work or outdoors. In most cases, it is a very good source to turn to when there is a medical emergency and actual medical assistance is not available or close at hand. However, a first aid kit should be well equipped at all times and updated periodically as most of the contents have an expiration date. An ill equipped first aid kit will be of no use to anyone.

The following are some of the items that should ideally be part of a complete first aid kit – first aid manual, sterile gauze pads of different sizes, adhesive tape, adhesive bandages in several sizes, elastic bandages, a splint, antiseptic wipes, soap, antibiotic ointment, antiseptic solutions, hydrocortisone cream, acetaminophen and ibuprofen, extra prescription medications that can be used without a doctor’s prescription, tweezers, sharp scissors, safety pins, disposable instant cold packs, calamine lotion, alcohol wipes or ethyl alcohol, a thermometer, a couple of pairs of plastic non latex gloves, a flash light and extra batteries and maybe a blanket.

Although some of the items listed may seem a little extreme, it would still be prudent to include them as being prepared is better than being caught off guard when it comes to being faced with having to handle an emergency situation. Storing the first aid kits in places that are out of the reach of children is another important consideration.

LOOKING FOR A NEW HOME IN CHARLES COUNTY, CALL WILKERSON BUILDERS TODAY.

The Benefita of Vinyl Siding

Working On Southern Maryland House Exterior

Working On Southern Maryland House Exterior

Making Your Home Beautiful in Charles County MD

IStyles and New Home in Charles County MDt doesn’t matter if you are renovating your home to live in or to sell, there are several different styles to consider, having some knowledge about the various designs and what it entails would be a good place to start.

The following are some simple outlines on the more popular designs used:

Farmhouse
here the main facade feature would be the covered porch that usually stretches along the front and goes around the sides of the unit. One may also consider the steep gable roof, shutters and horizontal siding that make up the style of the farmhouse.

Georgian
the symmetrical design evident here comes from the stately brick facade that amplifies the Georgian style. The decorative keystones over the shuttered windows, the columned entryway and the gabled dormers all add to the distinct characteristic of this style.

Cape Cod
the simple lines used here contribute to the symmetrical design, where the dormers and the dominant roofline dictate its distinctness. The roofline, which typically extends down to the first floor, is what makes this design mirror the early styles.

Victorian
Victorian style architecture has a very distinctive style that is recognizable in the home corner turret, its wraparound porch and the ornate detailing work. This is also another style that is considered dated, yet still charmingly drawing the interest of a lot of home owners.

Mediterranean
the arched windows and stucco exterior are all part of this particular style. Adding to this, the low pitched tiled roof is an excellent example of the Mediterranean style.

Contemporary
then there is the ever popular more suburban look which is displayed through its asymmetrical design of varied rooflines, stark facade and hold windows. In some designs, there is the add-on of a circular tower with a domed skylight.

Call Wilkerson Builders if you are renovating your home to sell and move in to luxury.

The problem with hard water in Southern MD

hard water problems in Southern MDHard water can cause scaling, deposits inside of pipes, reduced cleaning ability, and several other problems.

Home ownership opens people’s eyes to many new experiences, even requiring homeowners to familiarize themselves with certain things they never encountered as renters. Homeowners become novice plumbers, electricians, horticulturists, and even chemists as they wade through the projects and repairs involved with owning a home.

Outside of high school chemistry class, you may never have given thought to water composition and how it changes. However, once you become a homeowner, you may have to pay special attention to the type of water bubbling out of your faucets. Hard water is a common concern, and it can affect appliances and other parts of the home.

What is hard water?

Hard water affects about 85 percent of the United States, according to the Water Quality Association. Although not harmful to human health, hard water can impact one’s daily life in other ways.

Hard water is formed when water moves through soil and rock. It dissolves very small amounts of minerals and holds them in a solution. Calcium and magnesium are the most common minerals to turn water “hard.” The more magnesium and calcium water dissolves, the harder it becomes.

From nuisance to damaging

Hard water can not only be a minor headache, but also something more serious. Hard water can interfere with various cleaning tasks and also personal grooming. Clothes washed in hard water may not be fully clean and may appear dingy. Hard water can cause a film on surfaces, such as bath tiles and tubs. Some people find that their hair and skin can appear dull and sticky due to hard water.

Hard water can have other effects, too. Over time, the water can deposit minerals on the inside of pipes, reducing water flow. If these deposits grow thick, you may have a plumbing issue on your hands. Furthermore, mineral deposits can harm appliances, such as water heaters, washing machines and dishwashers. Eventually, hard water may render these appliances ineffective, and they will need to be replaced.

Treatment options

Considering hard water is such a common concern, a number of treatment options exist. The main types of water-softening systems use either a packaged water softener or a mechanical water-softening unit.

Packaged water softeners are chemicals that bond with the calcium and magnesium ions in the water so that they cannot interfere with cleaning efficiency. These chemicals fall into two categories: precipitating and nonprecipitating. Precipitating softeners are borax and washing soda and can affect pH levels of water and make water cloudy. Nonprecipitating softeners use phosphates. Alkalinity won’t be increased, and usually there is no cloudiness or buildup. These products are typically added to laundry loads and the like and are not recommended for drinking water.

Mechanical water-softening systems are hooked up directly to the plumbing of the house. They are ion-exchange systems that will add salt to the water. Although it can be safe to drink, softened water may not be recommended for those who are on low-sodium diets.

Hard water is a problem many homeowners have to face. It can affect a home’s appliances’ performance and cleaning abilities. Water hardness can be managed, and it is best to consult with an expert water-softening system manufacturer about your options.