63503 5 7

North Central

v

Morgantown, Fairmont, Bridgeport & Clarksburg

Home & Living V5:I7

Published in cooperation with The North Central Home Builders Association

Let’s Go Mountaineers!

2014 see page Season Schedule

8

Ten Tips to Secure a Home Mortgage

By J.D. Koontz

CRITES ELECTRIC Automatic Standby Generators

North Central WV’s Only Premier Dealer

304-472-0148

6

see page

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304-366-3665 700 Morgantown Ave, Fairmont, WV 26554 WV 037883

www.kitchenbathrx.com

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see page

see page

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kitchen/bath

Preferred Surfaces, LLC

North Central

v

Morgantown, Fairmont, Bridgeport & Clarksburg

Home & Living V5:I8

Published in cooperation with The North Central Home Builders Association

see page

6

Ten Tips to Secure a Home Mortgage

By J.D. Koontz

Let’s Go Mountaineers!

2014 see page Season Schedule

8

Making Custom Countertops in the area since 1984!

• Granite

We use the latest in CNC technology and all American made mac

• Marble

We are also concerned about the environment and reclaim and r all our water.

• Quartz • Solid Surface H003.qxp:H003

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Why try to pick your granite from small samples. Choose from ou selection of granite slabs right here on site.

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kitchen/bath

Preferred Surfaces, LLC

Preferred Surfaces, LLC

1001 Chaplin Road • Morgantown, WV 26501 (304) 983-7730 • fax: (304) 983-7732 email: noel@presurface.com web: www.presurface.com

see page

9

Making Custom Countertops in the area since 1984!

• Granite • Marble • Quartz • Solid Surface

We use the latest in CNC technology and all American made machines.

Owner(s): Noel Houze

Area(s): North Cenral West Virginia

Why try to pick your granite from small samples. Choose from our large

Hours: 7:00 to 4:30 M-F; and7/2/14 by appointment

We are also concerned about the environment and reclaim and recycle all our water.

selection1 of granite slabs right here on site.

63503.5.7.001B.indd Specialty: Custom

Preferred Surfaces, LLC

Countertops

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North Central

PUBLISHER/ LOCAL OWNER

TMS, Inc ADVERTISING OFFICE

Charleston, WV FOR ADVERTISING INQUIRIES

304-345-0654 wvhomeimprovementmag@suddenlink.net

TMS, Inc PRESIDENT Dan Lanham PRODUCTION MANAGER Natalie Lanham

TMS, INC PO BOX 12234 CHARLESTON, WV 25302

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exterior/outdoor

AshCourt Concrete Finishing

AshCourt Concrete Finishing has been serving north central WV residential and commercial customers since 1999. A locally owned company, whose top priority is customer care and satisfaction. Our dedicated staff provides you with years of reliability, towards the professional preparation and installation of the highest quality products and finishes at affordable prices,with no hidden charges.

• Commercial & Residential Flatwork • Driveways & Sidewalks • Patios & Steps • Basement & Garage Floors • Swimming Pool Decks • Exposed Aggregate Flatwork

Our motto is no job to small, no driveway to large, call for a free estimate on your concrete project. You will be happy you did. Our customer service is second to none. Fully licensed and insured for your peace of mind, references are available upon request.

AshCourt Concrete Finishing 556 Breakiron Hill Road • Morgantown, WV 26508 (304) 292-0818

Owner(s): Joseph Markus & Eugene Deem Specialty: Residential & Commercial Concrete Finishing

Area(s): North Central West Virginia Established: 1999 Hours: Mon. - Sat. 8am - 6pm WV License #: WV030532

Ten Tips to Secure a Home Mortgage

By J.D. Koontz

More than four years have passed since the U.S. housing bubble burst. The loan approval process remains challenging. Mortgage financing, however, is available for those who have good credit and are prepared. If you are thinking about buying a new home or refinancing your existing mortgage, consider these ten tips:

1. Start by checking your credit report.

A low credit score can kill a mortgage loan request. It is one of the first things a lender consults. You can get a free credit report at AnnualCreditReport.com. This website is the only authorized source for consumers to access their credit report for free online. Clean up any items you can before approaching your lender.

2. Develop a monthly budget.

How much can you really afford to pay each month for a house payment? A lender will use a debt-to-income calculation to determine how much of a house payment you can handle along with all your other debts. With a quick Google search, you can find a debt-to-income calculator online. In general, the total monthly housing expense (mortgage loan payment, real estate taxes, and insurance) should not exceed 28%. The overall debt to income ratio which includes the housing costs and all other loan payments should not exceed 40%.

3. Calculate your down payment and fees.

Down payment requirements range from 3% to 20%. If you want a standard mortgage with the best interest rates, expect to put down 20%. Because closing costs vary from market to market, it is difficult to provide an exact amount. Three percent, however, is a good rule of thumb.

4. Get organized.

When you meet with your lender, they will need certain information to consider your request. Bring two years of tax returns with any K1s and W2s, two recent pay stubs, proof of any additional income, and evidence you can handle a down payment. Keep in mind that different lenders will likely have different requirements for information. When you schedule your first meeting, ask your lender what information he or she would like for you to bring to the meeting.

5. Learn the terms.

The mortgage business is replete with abbreviations: ARM, APR, PMI, and FHA are just a few. Spend a few minutes online learning the terms you might hear when meeting with your lender.

6. Shop around.

Different lenders offer different types of mortgage loans. Find a lender you can trust who offers the type of loan that is best for you. Most likely, buying a home will be the single largest investment you make. It’s important to do it right.

7. Set up a meeting with your lender.

Now that you know what the lender will need, schedule the meeting. Setting up a meeting versus stopping by will ensure that you and the lender are prepared to discuss details and options.

8. Ask questions.

There are many different types of mortgage loans. Ask your lender what types of loans they offer and which might be best for you. Don’t be afraid to speak up. Ask for a Good Faith Estimate and Fee Worksheet. This will help you to more easily compare fees and terms from other institutions. Remember, you are the one signing on the dotted line.

9. Understand the mechanics of the deal.

What happens after you sign a purchase contract? What fees and costs should you expect? How much should you expect to pay at closing in addition to your down payment? A good lender will give you straight answers so that you will understand the process.

10. Get prequalifed.

It’s free, and if you have completed steps 1 through 9, it will be an easy process. Don’t spend a lot of time looking at houses until you know what you can really afford.

With the right team, the home-buying process can be a memorable experience. Being prepared and knowing what to expect will go a long way toward making the process a pleasant one.

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The Pilates Method of Body Conditioning develops the body uniformly, corrects posture, restores vitality, invigorates the mind and elevates the spirit. ~ Joseph Pilates

Beginner Package (2 Privates, 4 Groups) Retail Value: $170

Sale!

10% off !

Studio Gold Package

10% off !

The Pilates Studio of Morgantown, LLC A Mind~Body Experience

Address: 1101 About Town Place Morgantown, WV 26508 304-381-2149 www.pilatesofmorgantown.com

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Store hours: 8:00 AM – 8:00 PM (M through TH) 8:00 AM – 5:00 PM (Friday) 9:30AM – 12:00 (Saturday) 1:00 PM -5:00 PM (Sunday)

2/12/14 10:25 AM

football schedule 2014

Date

Opponent

TV

Time

Aug 30, 2014 vs. Alabama (Chick-ďŹ l-A Kickoff Game)

ABC or ESPN2

3:30 PM

Sep 06, 2014

Towson

ROOT Sports

7:30 PM

Sep 13, 2014

at Maryland

TBA

Sep 20, 2014

Oklahoma*

TBA

Oct 04, 2014

Kansas*

TBA

Oct 11, 2014

at Texas Tech*

TBA

Oct 18, 2014

Baylor*

TBA

Oct 25, 2014

at Oklahoma State*

TBA

Nov 01, 2014 TCU*

TBA

Nov 08, 2014 at Texas*

TBA

Nov 20, 2014 Kansas State* Nov 29, 2014 at Iowa State*

Fox Sports 1

7 p.m.

TBA

Go Mountaineers!

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kitchen/bath

Preferred Surfaces, LLC

Making Custom Countertops in the area since 1984!

• Granite

We use the latest in CNC technology and all American made machines.

• Marble

We are also concerned about the environment and reclaim and recycle all our water.

• Quartz • Solid Surface

Why try to pick your granite from small samples. Choose from our large selection of granite slabs right here on site.

Preferred Surfaces, LLC 1001 Chaplin Road • Morgantown, WV 26501 (304) 983-7730 • fax: (304) 983-7732 email: noel@presurface.com web: www.presurface.com Owner(s): Noel Houze

Area(s): North Cenral West Virginia

Specialty: Custom Countertops

Hours: 7:00 to 4:30 M-F; and by appointment

Established: 1984

Please tell them you saw us in the Home Improvement Resource Guide



Rustic by Design FIREPLACE & PATIO

304.284.8211

LF A C E P S IO T & C A L P E IR Over 30 fireplaces/stoves on display.

OUR PRODUCTS AND SERVICES INCLUDE:         

   

Olive Oil Company • Come to See and to Taste!

IT IS OFFICIAL! Our newly expanded showroom in the historical Seneca Center is now home to a delicious line of extra virgin olive oils and aged balsamic vinegars!                                              

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Including: • Custom Cabinetry • Granite Counter Tops • Cabinet Refacing • Spray-On Countertops • Acrylic Tub & Wall Liner • Tub & Shower Refinishing • Shower Conversions

304-366-3665 700 Morgantown Ave, Fairmont, WV 26554 WV 037883

www.kitchenbathrx.com

63503.4.10.Vickie_Filler - Kitchen 2 10/31/13 10:21 AM Page 1

SOLD Visit all of our Homes, Land & Commercial Listings & ALL of North Central WV’s at

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v ic k i e . w w

jenkinsproperties

List & Sell Your Home With Us!

. co m

Call & Make An Appointment Today!

Ho mes

nd a L • Commercial •

Rt 1 Box 1453 Kingwood, WV 26537

304-329-6633 AB2 Mountain View Manor Morgantown, WV 26501

304-291-6633

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EATON Standby Power Generation For a Free Estimate contact

V&W Electric and Supply 1517 Fairmont Ave., Fairmont WV

(304) 366-0711

Š 2010 Eaton Corporation. All Rights Reserved.



Allegheny Restoration & Builders Home Improvement Division 304-594-2570 PO Box 18032 Morgantown, WV 26507 Lic. # WV001959

• New Construction • All Remodeling and Renovations • General Home Maintenance • Kitchens and Baths

• • • • • •

Room Additions Siding Decks Painting Hardwood/Tile Floors Masonry

We Are The #1 Source For All Your Home Improvement Needs!

FREE ESTIMATES

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