RGV New Homes Guide Vol. 25 #3 (April - May 2017)

VOL. 25#3 APRIL-MAY 2017

RIO GRANDE VALLEY

RIO GRANDE VALLEY BUILDERS ASSOCIATION W W W. R G V B A . O R G | ( 9 5 6 ) 6 8 6 - 2 9 3 2

2017

Parade of Homes MAY 20-21 & 27-28 10am to 6pm

Camino Real Builders Carolina Homes Chris Ryan Homes & Inv. CJE Construction Classic Homes Dream Homes Dynasty Custom Homes Esperanza Homes Frontera Homes Infinity Homes Innovative Construction

Los Lagos Development Mendoza Homes Muniz Construction Rich Heritage Construction RRR Construction Structure Team Torres Quality Homes Treviño Construction Villanueva Construction Waldo Homes WestWind Homes

Sneak Preview Inside - SEE PAGES 18 & 19 -

DOWNLOAD OUR FREE PARADE APP AVAILABLE MAY 1ST, 2017

MUST HAVES

WHAT IS “QUALITY BUILT”?

HINT: It’s Something You Can’t See

Is It High Enough To Buy A Home?

PAGE 8

PAGE 14

PAGE 20

What’s Missing From Your Shopping List?

CREDIT SCORE

April/May Volume 25 Issue 3 PUBLISHER Across Media Marketing, LLC

Contents

EDITOR-IN-CHIEF Jose Vielma

April/May 2017 - Volume 25 Issue 3

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SENIOR EDITOR Barbara Zapffe SALES MANAGER Jose R. Vielma CREATIVE DIRECTOR Laura Soria GRAPHIC DESIGNER Jeremiah D. Nava DISTRIBUTION MANAGER Ken Sabe

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HOMEBUYING ADVICE

BUILDER INDUSTRY NEWS

Overlooked Must-Haves

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25

Valley Building Officials Association

If you don’t have these two items on your

Stay abreast of what’s new in the building

home shopping list, you’ll be a very unhappy

codes for your city. The VBOA is comprised

homeowner.

of building officials and building professionals from across the Rio Grande Valley. It would

What’s Your Score

benefit you to join.

This three-digit number can determine if you

SPECIAL SECTIONS

will pay more or pay less for your home.

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ENERGY EFFICIENCY 10

Find address, contact information, and hours

Home Energy Raters

of operation. Visit these model homes and

Make sure your home energy rater is licensed

by RESNET or a similar oversight organization.

14

Quality-Built Homes

“feel” which one is right for you.

30

shopping for a new home actually determine

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At-a-glance look at everything you need to and contact information. Download flyers / lot sheets at www.rgvNewHomesGuide.com

2017

Parade of Homes

Rio Grande Valley Builders Association and features homes from some of the area’s finest builders. This

MAY 20-21 & 27-28 10am to 6pm

Los Lagos Development Mendoza Homes Muniz Construction Rich Heritage Construction RRR Construction Structure Team Torres Quality Homes Treviño Construction Villanueva Construction Waldo Homes WestWind Homes

Sneak Preview Inside - SEE PAGES 18 & 19 -

DOWNLOAD OUR FREE PARADE APP AVAILABLE MAY 1ST, 2017

MUST HAVES

WHAT IS “QUALITY BUILT”?

HINT: It’s Something You Can’t See

Is It High Enough To Buy A Home?

PAGE 8

PAGE 14

PAGE 20

What’s Missing From Your Shopping List?

CREDIT SCORE

Volume 25.3 2017

The Rio Grande Valley New Homes Guide is published bimonthly by: Across Media Marketing, LLC. 1601 N. 8th St. • McAllen, Tx 78501 FOR ADVERTISING RATES AND INFORMATION: (956) 971-9700 rgvnewhomesguide.com

ON THE COVER

2017 RGVBA PARADE OF HOMES - This fabulous display of homes is presented annually by the local

W W W. R G V B A . O R G | ( 9 5 6 ) 6 8 6 - 2 9 3 2

EQUAL HOUSING OPPORTUNITY All real estate advertising in this magazine is subject to the Federal Fair Housing Act of 1968 and the Amendments Act of 1988 which makes it illegal to advertise “any preference, limitation or discrimination based on race, color, religion, sex, handicap, familial status, or national origin, or an intention to make any such preference, limitation or discrimination.”

This magazine will not knowingly accept any advertising for real estate which is in violation of the law. Our readers are hereby informed that all dwellings advertised in this magazine are available on an equal opportunity basis. To complain of discrimination, call HUD tollfree at 1-800-669-9777 or contact HUD’s regional office in Ft. Worth, Texas at (817) 885-5521. The telephone number for the hearing impaired is 1-800-927-9275.

know: prices, photos, plats, maps, descriptions,

necessary A/C unit is not a good thing.

VOL. 25#3 APRIL-MAY 2017

Camino Real Builders Carolina Homes Chris Ryan Homes & Inv. CJE Construction Classic Homes Dream Homes Dynasty Custom Homes Esperanza Homes Frontera Homes Infinity Homes Innovative Construction

New Home Communities

You’ll be surprised at why a bigger-than-

RIO GRANDE VALLEY BUILDERS ASSOCIATION

2

listings of new home communities in the area.

Bigger Is Not Better

RIO GRANDE VALLEY

New Home Communities Map Color coded maps with the most up-to-date

Find out how the things you cannot see when its quality.

Furnished Model Homes Listings

THE RIO GRANDE VALLEY AREA NEW HOMES GUIDE (NHG) is a bimonthly publication of Across Media Marketing, LLC. and is provided to its readers free of charge. Unless otherwise noted, all photography, artwork, and editorial content printed in NHG are copyrighted material and may not be duplicated or reprinted without express written permission. NHG and Across Media Marketing, LLC. are not responsible for typographical or production errors, or for the accuracy of information provided by the advertisers. Opinions expressed by writers and contributors do not necessarily represent the opinions of the publisher. NHG reserves the right to refuse any advertising which we deem unsuitable for our publication.

/rgvnewhomesguide

year, 25 homes will be open for viewing in multiple locations throughout the upper Rio Grande Valley.

@rgvnewhomes

(See pages 18-19 for a brief preview of this year’s entries.)

@rgvnhg

www.rgvnewhomesguide.com

For advertising call (956) 971-9700

VISIT OUR RGVBA

PARADE MODEL See pg. 19

One Great Location. Six Fabulous Model Homes!

VISIT OUR RGVBA

PARADE MODELS See pg. 19

Where luxury meets design.

McColl Rd.

N Canton Rd.

Jackson Rd.

Visit Us During The RGVBA Parade of Homes May 21-22 & 27-28

Jackson Heights Edinburg, Tx

At Treviño Construction, our customers’ homebuying experience is as beautiful as our homes. It’s a simple formula: we listen to what you want, and then we deliver over and above what you expect. As building partners with you, we invite your input every step of the way.

We build every home as if it were a showcase home—one that we will be proud to put our name on. Rich details, innovative designs, and superior craftsmanship define our standards of excellence in construction. You’ll discover our basic models are filled with extras to personalize your home and are included with no additional fees, which are usually attached to what others call “upgrades.” Call us to experience Treviño Construction’s customer-focused service that begins with the first visit and continues long after you move in. Financing is available, and brokers are warmly welcomed.

6 NEW MODELS AT JACKSON HEIGHTS In Edinburg, Tx Homes Starting From The $230’s

+ WE BUILD ON YOUR LOT OR OURS!

(956) 800-8700 (956) 534-6305 Facebook.com/LuxuryByTrevino Instagram.com/TrevinoConstruction

Homebuying advice

OverlOOked “must Haves”

There Are Some ThingS miSSing from your new home Shopping liST of “muST hAveS.” And They Should be deAl breAkerS.

W

a new home, we are all different. We have different ideas and individual preferences about size, floor plan design, interior colors and textures, and the ideal home exterior. We carry this mental list of “must have” items as we shop for a home, but almost everyone forgets to include two items that are more important than all the other “must-have items” put together. Not only that, these two items should be—without exception—important to everyone. So what are they? hen it comes to choosing

Can you guess what these two things are? No, they have nothing to do with where the home is located, or if the community is gated, or if the rooms are spacious. The two items also have nothing to do with the luxurious granite countertops or designer ceilings and all the other “lipstick” touches in the home that homebuyers tend to focus on.

Here’s a hint: while most of the items on a homebuyer’s wish list are visible, the two most important ones are not. Here’s another hint: most homebuyers assume the two things are a “given,” in other words, that they are already included in the home.

Give up? Okay—the two items most homebuyers assume they are getting when they are buying a new home are— comfort and energy efficiency. Think about it. The single most important quality of your new home—its comfort— is not even discussed before you buy a home! And you won’t find out how energy efficient your new home is until you move in and get your first bill. How ridiculous is that?

It is very possible that home comfort and energy efficiency are not on a homebuyer’s wish list, and perhaps, home shoppers don’t ask builders about them 8

Volume 25.3 2017

www.rgvnewhomesguide.com

because, let’s be honest—no builder would answer those questions with, “No, my homes aren’t comfortable or energy efficient.” The problem is, and this is very important--if you don’t have interior comfort and energy efficiency, you don’t have quality construction. And if you don’t have quality construction, aside from a sticky, humid interior, your home will have a shorter lifespan, require more repairs, and may end up in a poor condition with a lower resale value.

So how can you be sure that your new home will be comfortable and energy efficient? First, don’t take anyone’s word for it. Get a written guarantee from a third party—preferably from a RESNET certified home energy rater who has a provider overseeing his work. Otherwise, your inspector has no supervision, and that’s not always good. The best recommendation is to look for a home with a BUILT TO SAVE™ certification.

Builders who certify homes in the BUILT TO SAVE™ program have their homes inspected by a RESNET certified home energy rater before the sheetrock goes on and tested once the home is complete using specialized equipment and software to accurately predict a home’s energy efficiency.

For advertising call (956) 971-9700

What about the home’s comfort, you ask? Well, as part of the BUILT TO SAVE™ requirements, the heating and cooling load calculations are matched to the exact specifications of the home: orientation, size, number of rooms, number of occupants, plus more, to make sure the AC system is sized right for a comfortable room-to-room interior (See page 28) for the importance of a properlysized cooling system.

A home that is certified in the BUILT TO SAVE™ program is awarded a certificate signed by the home energy inspector. The builder gives the certificate to the homebuyer as proof that the home will be more comfortable, and more energy efficient, than a similar home built to code. Other benefits include better indoor air quality, better durability, and traditionally better resale value. The BUILT TO SAVE™ certificate becomes invaluable years later when it is possible that no one may be around to vouch for the home’s superior construction.

There’s actually a third item hardly anyone talks about, and it could be a huge legal issue in the future. That third, little-talked-about item is whether or not the home was built to the current code requirements. Since not all municipalities have the same requirements, it is sometimes difficult to know what is required for code compliance. What makes it even more complicated is that Texas Governor Greg Abbott signed into law HB 1736 requiring the adoption of the 2015 International Residential Code (IRC) Chapter 11 (with some modifications). All local jurisdictions have been obligated to comply with the new code laws beginning September 1, 2016. This is where it gets tricky. Just because a city code official is not enforcing the law—namely, 2015 IRC as required by Texas HB 1736, that doesn’t mean that the builder is not responsible for complying with the law. As a home buyer, you should be aware that homes with permits after September 1, 2016, require a blower door test and a duct leakage test unless the entire A/C system is in conditioned space as outlined in the 2015 code. Just because a city is not requiring these tests from the builder, doesn’t mean it is okay to not do them.

The tests are designed to predict a home’s energy efficiency and air tightness.

Keep in mind that we are talking about minimum code laws— that is, laws that have only “minimum” standards as their goals for compliance. If you are interested in homes with superior construction that are built to “above code,” visit www.builttosave.org or see the inside cover for more information on the BUILT TO SAVE™ program.

VISIT OUR RGVBA

PARADE MODEL See pg. 18

AT BENTSEN PALM

10

Volume 25.3 2017

www.rgvnewhomesguide.com

For advertising call (956) 971-9700

VISIT OUR RGVBA

PARADE MODELS See pg. 19

VISIT OUR RGVBA

PARADE MODEL See pg. 18

VISIT OUR RGVBA

PARADE MODEL See pg. 19

Energy EfficiEncy

Quality Built Homes

WHAT IS A QUALITY-BUILT HOME? AND HOW DO YOU KNOW IF YOURS IS ONE?

O

nce new homes are completed and are open for showing, it may be too late to know for sure if they are qualitybuilt homes. Yes, you will be able to see the finishes of the home, and you will be able to see differences from home to home in details like enhanced materials, and luxury touches like granite countertops, designer ceilings, and showcase light fixtures. But the measure of real quality is what’s behind the walls. Here’s what you should ask about.

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Volume 25.3 2017

www.rgvnewhomesguide.com

For advertising call (956) 971-9700

“The measure of real quality is what’s behind the walls.” schedule. It would be good to ask if a qualified engineer certified the cement mixture and foundation pouring.

The Framing STage

The FoundaTion STage

The foundation is the most critical part of your home because any mistakes made at this point will only get worse as construction progresses.

Adding more rebar to the slab may be worth the extra cost because if the foundation fails, it will be costly to repair. Make sure that the proper time was given to let the cement cure and that it wasn’t cut short to accelerate the production

This stage is when you begin to see the shell or the skeleton of the home, including walls and roof. There are some areas of the home that require treated wood according to code. Pressure treated wood should be used all the way around the exterior walls where wood rests on the foundation. The reason is that cement absorbs water and over time, if not treated, the wood will absorb that water, creating mold and other water damage issues. Some builders ignore using treated wood where it rests on the foundation in interior walls to save money even though the same principle of water moisture applies.

If plywood or oriented strand board (OSB) sheeting is applied to the exterior walls of the home, look to see if it rests on the foundation where water can accumulate after a rain.

It shouldn’t because it will soak up water like a sponge.

8

4

What about the roof decking?

Did your builder use radiant barrier decking which reduces attic temperatures by about 30% and costs only a couple of dollars more per sheet— paying for itself in less than one year with utility savings?

Find out if your home is in an area in Texas that requires windstorm inspections. If it is, the framing stage will have to follow more stringent requirements. The purpose of a windstorm inspection is to determine if the home’s construction can withstand strong winds, such as those present in a hurricane. rough Plumbing and elecTrical

After the framing and roofing is complete, plumbers and electricians come in to put in pipes and wires. Many holes will be drilled into the studs. In a home that will be completely insulated with spray foam, filling those holes with a can of spray foam is not that important here, but if your builder is using batt or other fiberglass insulating material, it is critical that those holes be covered up.

The same goes for receptacles for outlets, light fixtures, and switches. All those small holes and cracks add up to huge costs in energy bills and add to the discomfort of your home. heaTing & cooling SySTemS and ducTwork

Your air conditioning system should be sized correctly for the size of your home (see page 28). It should be customized for the square footage, the number of rooms, the number of windows, and so on. This is a mathematical problem that requires figuring out what the load calculations are and then deciding what unit is the right size and type for your home. The ductwork should also be designed and tested to make sure it supplies the right pressures to ensure room-toroom comfort throughout the home. Sounds logical, right?

You would be surprised how many contractors oversize the AC unit using the “bigger is better” concept.

in your new home is not as important as whether or not it was installed properly. The most expensive insulation is spray foam, but it is one of the best along with Insulated Concrete Forms. Spray foam is also more forgiving in its installation since it covers even the smallest holes.

Batt and other fiberglass insulation is less expensive but it requires more work—like splitting the insulation to put part of it on the back side of the electrical wire along a wall and the other in front, or cutting it to fit around electrical receptacles. That way, the insulation retains its shape—and its R-value. It’s sad, but not everyone installs insulation that way because it takes too long to do it right.

So how do you know iF your home waS QualiTy builT?

If you were not present when the above phases of construction were performed to see for yourself, you have two choices: (1) take the builder’s word for it, or (2) look for the BUILT TO SAVE™ certification. A home with a BUILT TO SAVE™ certification has been inspected (during construction) and tested (after completion) by a third-party home energy rater licensed by the Residential Energy Services Network. You can be sure that your home was not only quality built, but you will also be sure that it will outperform a similar home built to code by providing more energy efficiency, more comfort, better durability, tighter construction, cleaner indoor air, and a better resale value. You’ll have a BUILT TO SAVE™ certificate in your hands to prove it.

See the inside cover of this publication for a list of BUILT TO SAVE™ builders, or visit www.builttosave.org for more information.

inSulaTion inSTallaTion

The type of insulation used For advertising call (956) 971-9700

www.rgvnewhomesguide.com

Volume 25.3 2017

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SAVE THE DATE! thE 19TH ANNUAL

HOME B u ye r ’ s fair

S a t u r d ay J u n e 1 0 McAllen Convention Center | 9:00 a.m. - 4:00 p.m. free admission | free bilingual seminars | free credit reports

Sponsorship Opportunities Available NOW! WWW.THEHOMEBUYERSFAIR.ORG

CDBG

VISIT OUR RGVBA

PARADE MODEL See pg. 19

Timeless

Elegance.

Free estimates | Build On YOur lOt | simple Financing www.richheritagetx.com • (956) 460-8035 • (956) 821-8902

2017

RIO GRANDE VALLEY BUILDERS ASSOCIATION

Parade of Homes PREVIEW

DownloaD the official aPP: “RGVBA PARAde” Available May 1st, 2017

APP FEATURES Get directions + Photos of homes Home details, features, and amenities Builder information + Plan your own route

PARADE BEGINS MAY 20-21 & 27-28 10am to 6pm 1

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3

stay the couRse Look for these official

Camino Real Builders

Carolina Homes

Chris Ryan Homes & Inv.

ENTRY 5

Hidden Cove 3605 N. 42nd St. - McAllen 3 Bed + Office / 3 Bath / 2 Garage

Auburn Hills 2509 Cornell Ave. - McAllen 4 Bed / 2.5 Bath / 2 Garage

Villas Las Fuentes 2823 Fuente De Paz - Edinburg 5 Bed + Game Rm. / 6.5 Bath / 3 Car

PARADE of HOMES

cAMI NO REA L Ariel Salinas (956) 369-1024 / (956) 618-3252 www.carolinahomesrgv.com

Mary Ramirez (956) 929-1212 www.chrisryanhomes.com

Parade of Homes banners & signs.

Michael Pavon (956) 429-8662 / (956) 638-6800 www.caminorealbuilders.com

www.RGVBA.org

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CJE Construction, LLC.

Classic Homes

Dream Homes By J & J

Dynasty Custom Homes

Los Lagos 2631 Seton - Edinburg 3 Bed + Office / 3.5 Bath / 2 Garage

Jackson Heights 2308 McLeod - Edinburg 4 Bed + Study + Loft / 4.5 Bath / 2 Car

Jackson Heights 2501 Holland Ave. - Edinburg 4 Bed / 3.5 Bath / 2 Garage

Garden Ridge 1510 Garden Ridge Ave. - San Juan 3 Bed + Study / 2.5 Bath / 2 Garage

by J&J

Edgar Carranza (956) 579-4736 www.cjeconstruction.com

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Juan Gonzalez (956) 447-2000 / (956) 472-0816 www.dreamhomesbyjj.com

Joaquin Gonzalez (956) 792-7246 / (956) 454-4102 www.classichomesrgv.com

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Ivan Guajardo / Rick Villarreal (956) 424-5571 / (956) 537-7440 www.dynastycustomhomes.com

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Esperanza Homes

Frontera Homes

Infinity Homes

Innovative Construction

Del Oro at Bentsen Palm 613 S. Paseo Del Rey - Mission 4 Bed / 3 Bath / 2 Garage

The Gardens at Trinity Oaks 3217 Hondo - McAllen 3 Bed / 2.5 Bath / 2 Garage

Jackson Heights 2301 Holland Ave. - Edinburg

Jackson Heights 2302 Holland Ave. - Edinburg

FRONTERA HOMES

4 Bed + Study + Theater / 3.5 Bath / 2 Car

4 Bed+Office+Media/4 Full & 2 Half Bath/2 Car

HOMES

by Jack Pollock

Juan Pacheco 956) 369-2456 www.esperanzahomes.com

Gold SponSorS: 18

Jack Pollock / Zack Pollock (956) 451-0304 / (956) 648-2979 www.fronterahomesinc.com

Eddie Garza (956) 460-3290 / (956) 534-2353 www.infinityhomesrgv.com

Peter Vargas / Jonathan Vargas (956) 566-7629 / (956) 929-6198 www.jjinnovativeconstruction.com

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Los Lagos Development

Mendoza Homes

Muniz Construction

Rich Heritage Construction

Lumen Subdivision 1911 Lago Huron St. - Edinburg 4 Bed + Office / 3.5 Bath / 2 Garage

Villas del Rio 4812 Sonora Ave. - McAllen 4 Bed / 2.5 Bath / 2 Garage

Hunter’s Cove 5508 N. 35th - McAllen 3 Bed / 2 Bath / 1 Garage

Jackson Heights 2501 Vancouver Ave. - Edinburg 4 Bed + Game / 3.5 Bath / 2 Garage

Connie Trevino (956) 641-6868 www.loslagosrd.com

Elsa Mendoza (956) 862-1000 / (956) 862-9977 mendozahomes@hotmail.com

Juan Muniz (956) 491-9837 jmuniz33@yahoo.com

Ruben & Rosana Ruiz (956) 460-8035 / (956) 821-8902 www.richheritagetx.com

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RRR Construction

Structure Team

Torres Quality Homes

Treviño Construction

Pecan Estates 116 Gonzalez Dr - San Juan

Jackson Heights 2412 Holland Ave. - Edinburg 3 Bed + Study / 2.5 Bath / 2 Garage

Tuscany Village 3803 E. Stevenson Ave. - Mission 4 Bed + Office / 3.5 Bath / 2 Garage

Jackson Heights 2404 Elbrus Ave. - Edinburg 4 Bed / 2.5 Bath / 2 Garage

Fernando Torres (956) 239-0473 / (956) 458-0898 www.torresqualityhomes.net

Mario Trevino (956) 534-6305 / (956) 800-8700 luxurybytrevino@icloud.com

4 Bed+TV Rm. / 2 Full & 2 Half Bath / 1 Car

Structure A CONSTRUCTION COMPANY

Randy Rodriguez (956) 681-6272 / (956) 961-6588 www.rrrconstructionllc.com

Ronnie Cavazos (956) 533-5776 www.thestructureteam.com

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Treviño Construction

Treviño Construction

Villanueva Construction

Villanueva Construction

Jackson Heights 2405 Penrose Ave. - Edinburg 4 Bed / 3.5 Bath / 2 Garage

Jackson Heights 2411 Vancouver Ave. - Edinburg 3 Bed / 2.5 Bath / 2 Garage

Telfair 4007 Telfair Ave. - Edinburg 3 Bed / 2.5 Bath / 2 Garage

Trinity Oaks 10931 N. 29th St. - McAllen 3 Bed / 2 Bath / 1 Garage

Mario Trevino (956) 534-6305 / (956) 800-8700 luxurybytrevino@icloud.com

Mario Trevino (956) 534-6305 / (956) 800-8700 luxurybytrevino@icloud.com

Rosendo Benitez (956) 800-8889 / (956) 800-8999 www.villanuevahomes.com

Rosendo Benitez (956) 800-8889 / (956) 800-8999 www.villanuevahomes.com

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WIN A

Waldo Homes

WestWind Homes

Jackson Heights 2505 Vancouver Ave. - Edinburg

Hibiscus Hill 2908 Northgate Ln. - McAllen 4 Bed / 2 Bath / 2 Garage

4 Bed + Courtyard / 3 Bath / 2 Garage

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A L D O

H O M E

S

Luis Waldo (956) 466-8590 / (956) 466-8227 www.waldohomesrgv.com

Silver SponSorS:

Hector Rocha (956) 704-2344 www.westwindhomes.com • • • •

AEP Texas Greater McAllen Association of REALTORS® Lone Star National Bank Matt’s Building Materials

55” Sponsored by

TV!

Sierra Title Company

RegisteR to win* a 55 inch flat scReen tV! *Must be 21 years of age or older to win. Only one (1) entry per person at each Parade model. You don’t need to be present to win. Photo for illustration purposes only.

Subject to change. Parade participants and sponsors not eligible to win.

• Texas Gas Service • Valley Land Title Co. • Zarsky Lumber Co.

For more info on the RGVBA Parade of Homes, please call (956) 686-2932 or visit www.rgvba.org

19

Homebuying ADVICE Did you know?

You can order one free copy of your credit report per year from agencies like Experian, TransUnion, and Equifax.

83 1

a pattern of this, your interest rate may be raised.

REDUCE YOUR CREDIT CARD BALANCES

WHAT’S YOUR SCORE?

I

to buy a new home, it’s important that you learn how to see yourself through the eyes of a mortgage lender. And one of the first things a mortgage lender will look at is your credit score. That’s because your credit score is a good indicator of your financial responsibility—the higher the score, the better you’ll look to your mortgage lender. The more you know about your credit score and how to boost it—especially if you want to qualify for the lowest interest rates--the closer you’ll be to moving into a new home. Here’s what you need to know.

F YOU ARE LOOKING

First, let’s go through the basics—what exactly is a credit score? And why can it work for or against a new home buyer? The credit scores use a three-digit number and range from 300 to 850.

Technically, 850 is the highest score you can get; however, the auto-lending industry uses a score that goes to 920 and there are others that go to 950. The “official” name for your credit score is your FICO Score, which is short for Fair Isaac Corp—the creators of the scoring system.

Lenders, such as mortgage companies, use it to come up with your interest rate. The lower the score, the more you’ll pay in interest. Any score above 800 makes you look very creditworthy, which means you’ll get the lowest interest rate, and a lower interest rate can lower your monthly mortgage payments considerably and also lower your insurance costs. A 20

Volume 25.3 2017

score below 600 is generally considered as poor. Your FICO score opens or closes the door to other things too: whether or not your credit application is approved, whether or not your credit limit is increased, or how you are treated when you make a late payment.

Lenders use credit scores to identify your credit as bad, poor, fair, good, or excellent.

But lenders all have their own definitions of what is a good credit score, and the type of loan you are getting also determines a qualifying score.

It doesn’t matter what your age is. It doesn’t matter how much money you make. When it comes to your FICO Score, the only thing that matters is your past use of credit.

Credit agencies like Experian, TransUnion, and Equifax keep track of your credit history. To find out

www.rgvnewhomesguide.com

For advertising call (956) 971-9700

what your credit report says about you, keep in mind that you can order one free copy per year from each agency.

Call 1-877-322-8228, or visit www.annualcreditreport.com.

When you get your credit reports, look them over carefully. Report any errors or mistakes immediately.

If there’s accurate—but negative—information on your report, you might want to try calling the creditors and ask if they’ll remove the negative comments. A creditor may be willing to do this if you have a single late payment in an otherwise perfect record.

If your credit report doesn’t make you look so good, don’t give up. You can start turning it around by doing the right— and smart—things. Pay your bills on time. Payment history is the first thing that sends up a red flag to a lender.

Any bill overdue 30 days or more shows up on your credit report. If a lender sees

Maxing out your credit card does not improve your credit score. In fact, the closer you are to your credit limit, the worse your score. Try to keep your balances below 30% of your available credit.

LIMIT YOUR CREDIT APPLICATIONS

When you apply for credit, it flags a lender to check your credit report. And you should be aware that too many applications--and credit checks—can lower your score.

WHAT IF YOU DON’T HAVE A CREDIT HISTORY AT ALL?

This can sometimes be the case for recent graduates.

If this is your situation, it’s time to start building a track record. Get a single credit card or gasoline company card before applying for a car loan or mortgage, and try to pay off your balance in full each month.

The more consumers increase their awareness and understanding of the importance and impact of their credit scores, the better and easier buying a new home can be. So make it a point to take a self-taught course in “Credit Scoring 101.” More information can be found on the websites of the three credit reporting agencies mentioned in this article. Read the information carefully and do everything to improve your own credit score. You won’t regret it—especially when you move into your new home and it’s time to make that “low” monthly mortgage payment you earned!

Get Driving Directions to All 25 Parade Homes!

DOWNLOAD THE FREE APP. 4 Search “RGVBA Parade” in iTunes® or Google Play.

Available for download on May 1st, 2017 Parade Dates: May 20-21 & 27-28.

Parade App Features • Get Driving Directions • Map Your Parade Route • See Photos of Homes • See Home Features

• Take Notes in Your App Idea Book • Contact Parade Builders • Find Mortgage Lenders • Get Restaurant Discounts

For more information about the RGVBA Parade of Homes, go to page 18, or call (956) 686-2932.

For advertising call (956) 971-9700

www.rgvnewhomesguide.com

Volume 25.3 2017

21

Y O U R H O M E S AY S A LOT A B O U T YO U. W E’ R E H E R E TO LI S TE N .

Your home is a reflection of you. Ferguson’s product experts are here to listen to every detail of your vision, and we’ll work alongside you and your designer, builder or remodeler to bring it to life.

Request an appointment with us today.

PHARR 705 E EXPWY. 83 (956) 283–0137

FergusonShowrooms.com

Ravello Collection

22

Volume 25.3 2017

www.rgvnewhomesguide.com

©2017 Ferguson Enterprises, Inc. 0317 415989

For advertising call (956) 971-9700

VISIT OUR RGVBA

PARADE MODEL See pg. 18

For advertising call (956) 971-9700

www.rgvnewhomesguide.com

Volume 25.3 2017

23

VISIT OUR RGVBA

PARADE MODEL See pg. 18

New models coming soon to Sugar Oaks See page 35

Classic Lifestyles Are Born Here J.C. NORIEGA (956) 975-6300 / 454-4102 | CLASSICHOMESRGV.COM B U I L D O N YO U R LOT O R O U R S • I N T E R I M F I N A N C I N G AVA I L A B L E

24

Volume 25.3 2017

www.rgvnewhomesguide.com

For advertising call (956) 971-9700

HOMES UNDER $300’S

Builder Industry NEWS

VALLEY BUILDING OFFICIALS PREPARE FOR NEW ENERGY CODES (VBOA) recently hosted a presentation designed to offer guidance and assistance to Valley municipality code officials to help them transition to the new 2015 International Residential Code (IRC) identical to the 2015 International Energy Conservation Code (IECC). The new building codes were adopted by the state of Texas when House Bill 1736 was signed into law by Governor Greg Abbott on June 16, 2015, and became effective on September 1, 2016.

THE VALLEY BUILDING OFFICIALS ASSOCIATION

The new Texas law sets minimum energy requirements for new homes in the state and will have a tremendous positive effect on the energy efficiency of new homes. Essentially, all new homes will require that a blower door test and a duct blaster test be performed (unless ducts are in conditioned space). These tests are designed to test the leakiness of the home (see page 10).

Richard Morgan, Program Manager of the Energy Code

Compliance Program for the South-Central Partnership for Energy Efficiency as a Resource (SPEER), made the presentation. SPEER’s mission is to accelerate and facilitate the adoption of advanced building systems and energy efficient products and services in the South-Central United States.

L to R: Richard Morgan (SPEER presenter); VBOA Officers: Evaristo Gamez, Vice-President; Ignacio Moreno, President; Rolando Gonzalez, Board of Directors; David Sifuentes, Treasurer; Feliciano Salazar, Sergeant-at-arms.

The Valley Building Officials Association membership is open to all businesses related to the residential or commercial construction industries in the Rio Grande Valley.

Associate members can join for $60/year, and meetings are held monthly. For more info on joining the VBOA, contact Rolando Gonzalez (956) 973-3123 (City of Weslaco).

For advertising call (956) 971-9700

www.rgvnewhomesguide.com

Volume 25.3 2017

25

+

FURNISHED MODEL HOMES There is nothing like actually walking through a home. These builders have their homes furnished and ready for you to tour. Stop by and see which one FEELS like home.

BUILT TO SAVE™ & ENERGY STAR® Certifications represent homes with lower ownership costs, & require less energy for heating and cooling.

McAllen www.westwindhomes.com \\ See page 5

www.westwindhomes.com \\ See page 5

www.westwindhomes.com \\ See page 5 OFFICE: (956) 546-8983

ADDRESS: Tanglewood at Bentsen Palm 3611 Oriole Dr. Mission, TX HOURS: Call for a personal tour.

www.divinecustomhomes.net \\ See page 22 SALES: Olga Treviño: (956) 467-1111 olga@divinecustomhomes.net

ADDRESS: Retama Village at Bentsen Palm 2204 Seagull Lane Mission, TX Active Adult Community 55+

www.bentsenpalm.com \\ See page 9 SALES: Kim “Tassie” Williquette: (956) 530-3252 kim@mlrhodes.com

Volume 25.3 2017

www.rgvnewhomesguide.com

HOURS: Monday - Saturday 9:00am to 5:00pm Sunday Closed OFFICE: (956) 380-6500

For advertising call (956) 971-9700

ADDRESS: La Floresta 2112 Queens McAllen, TX HOURS: Monday - Friday 10:00am to 7:00pm Saturday 12:00pm to 6:00pm Sunday Closed

www.bentsenpalm.com \\ See page 9 SALES: Juan Pacheco: (956) 369-2456 juan@mlrhodes.com

ADDRESS: Tanglewood at Bentsen Palm 1920 Seagull Lane Mission, TX HOURS: Tuesday - Saturday 10:00am to 6:00pm Sunday & Monday Closed OFFICE: (956) 380-6500 *Se habla Español

Mission

Mission

OFFICE: (956) 688-9787

ADDRESS: Plantation Gap 7018 N. 44th McAllen, TX HOURS: Monday - Friday 10:00am to 7:00pm Saturday 12:00pm to 6:00pm Sunday Closed

SALES: Hector Franco: (956) 239-1618 hectorfranco@gmail.com

Mission

McAllen

OFFICE: (956) 704-2344

ADDRESS: Hibiscus Hill 2901 Northgate Ln. McAllen, TX HOURS: Monday - Friday 10:00am to 7:00pm Saturday 12:00pm to 6:00pm Sunday Closed

www.caminorealbuilders.com \\ See page 12

ADDRESS: La Puerta 13813 N. 33rd McAllen, TX HOURS: Monday - Friday 8:30am to 6:00pm Saturday 10:00am to 3:00pm OFFICE: (956) 992-9501

McAllen

McAllen

SALES: Carlos Andreu: (956) 992-9501 caminorealbuilders@yahoo.com

ADDRESS: Hidden Cove 3605 N. 42nd St. McAllen, TX HOURS: Monday - Friday 9:00am to 6:30pm Saturday 11:00am to 3:00pm OFFICE: (956) 992-9501

cAMI NO REA L

McAllen

cAMI NO REA L

www.caminorealbuilders.com \\ See page 12

26

GreenBuilt RGV Certifications represent homes that are built using products, technologies, and environmentally-friendly building practices.

Edinburg www.dhconstructionrgv.com \\ See page 1

ADDRESS: Summerset Estates 1412 Maravilla Dr. Edinburg, TX HOURS: Open Daily

By Appointment

www.infinityhomesrgv.com \\ See page 23

SALES: Daniel Hernandez - (956) 778-0212 ahernandez65@rgv.rr.com

SALES: Eddie Garza: (956) 460-3290 | Mario Peña: (956) 534-2353 info@infinityhomesrgv.com

Edinburg

A L D O

H O M

www.waldohomesrgv.com \\ See page 13

Weslaco

SALES: Luis Waldo - (956) 466-8590 • 907-8876 luiswaldo@yahoo.com

www.westwindhomes.com \\ See page 5 OFFICE: (956) 520-4888

E

ADDRESS: Summerfield Manor 4917 Nevis Edinburg, TX HOURS: Monday - Saturday 10:00am to 6:00pm Sunday 1:00pm to 6:00pm

ADDRESS: Midpoint Estates 1408 Mulberry Weslaco, TX HOURS: Monday - Friday 10:00am to 7:00pm Saturday 12:00pm to 6:00pm Sunday Closed

S

www.westwindhomes.com \\ See page 5 OFFICE: (956) 587-9500

ADDRESS: Fairhaven Heights 1908 Webster Edinburg, TX HOURS: Monday - Friday 10:00am to 7:00pm Saturday 12:00pm to 6:00pm Sunday Closed

Edinburg

W

Edinburg

HOMES

ADDRESS: jackson Heights 2301 Holland Ave. Edinburg, TX HOURS: Monday - Saturday 10:00am to 6:00pm Sunday 11:00am to 5:00pm OFFICE: (956) 460-3290

Follow us on instagram! @rgvNewHomes

For advertising call (956) 971-9700

www.rgvnewhomesguide.com

Volume 25.3 2017

27

Energy EFFICIENCY

BIGGER IS NOT BETTER...

m

IT CAN ACTUALLY BE WORSE WHEN IT’S AN AIR CONDITIONING UNIT. the cooling (and heating) system in your new home is sized correctly is most important in humid climates such as in the Rio Grande Valley. The size of the cooling system has a direct effect on the efficiency and comfort of a home. Much like the way a car in stop-and-go traffic gets inefficient mileage and suffers more wear on its components, an oversized cooling system will cycle on and off, causing poor humidity control, a shorter life span of the unit, and increased costs in utility bills and maintenance. Aside from higher utility bills and reduced comfort in the home, an oversized unit will also have a higher initial price tag.

AKING SURE THAT

“Aside from higher utility bills and reduced comfort in the home, an oversized unit will also have a higher initial price tag.”

Unfortunately, in a large-scale survey, almost 40% of contractors revealed that they purposefully oversize the equipment. One reason these respondents gave is that “customers demanded it.”

The myth that “bigger is better” prevails because it seems like

it would make sense. But it does not, if one understands how building science works.

A cooling system that is not sized correctly will “short cycle.” What that means is that because the home cools quickly, the compressor will not run long enough to remove the humidity in the home, resulting in uncomfortable,

humid, and sticky air in the home.

How can you be sure that the unit in your home is sized correctly? The best solution is not to take anyone’s word for it.

Look for a BUILT TO SAVE™ certified home. Homes that receive BUILT TO SAVE™ certification have been inspected and tested by a third-

Featured Energy Efficient Builders The builders participating in the BUILT TO SAVE™ Program are building homes the right way, and you don’t have to take our word or the builder’s word for it. Every certified home is inspected and tested by an independent Home Energy Rater to verify that the builder has met the above-code requirements of the BUILT TO SAVE™ Program.

BUILT TO SAVE™ is a program that awards high-performance certification to new homes built to energy-saving standards that are above code.

www.builttosave.org

28

Volume 25.3 2017

www.rgvnewhomesguide.com

For advertising call (956) 971-9700

ESPERANZA HOMES Nick & Mike Rhodes (956) 380-6500 www.esperanzahomes.com

Having air conditioning in your new home is a given. Having the A/C unit sized correctly is a choice.

party home energy rater who reviews the home’s floor plans and the documents (Manuals J and S) that determine the actual load calculations and the correct size of the system required for the space. The entire HVAC system, including ducts, are inspected and tested for compliance. The home energy rater provides a written

guarantee that your BUILT TO SAVE™ home will be more energy efficient and more comfortable than a similar home built to minimum code. Plus, the rater will make sure that the HVAC system that goes into your new home is sized right and will not be bigger than you need, and will certainly be better!

DIVINE CUSTOM HOMES

WESTWIND HOMES

Olga Treviño

Chris Arthur

(956) 467-1111

(956) 968-4231

www.divinecustomhomes.net

www.westwindhomes.com

Choose a BUILT TO SAVE™ certified home.

Magic Valley Electric Cooperative (MVEC) is committed to reducing the energy consumption of new homes by sponsoring high-performance home programs like BUILT TO SAVE™ and ENERGY STAR ©. These programs are designed to improve a home’s comfort, save money on utilities, and protect the homeowner’s investment.

www.MagicValley.Coop

For advertising call (956) 971-9700

www.rgvnewhomesguide.com

Volume 25.3 2017

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30

Volume 25.3 2017

303

301

M ilit ar y

www.rgvnewhomesguide.com

Rd

1 Mile S. Rd

2

Military Rd

For advertising call (956) 971-9700

83

Mission

300

83

Trinity St

Daffodil

E Business Hwy 83

103

Tre nto nR d

Buddy Owens Blvd

Pecan Ave

BUS

83

2

10th St

Oxford

104

10th St

106 Lark Ave Main St

Auburn (Mile 5)

Bicentennial Blvd

Mile 7 10th St

107 23rd St

29th St

8 1/2 Mile

McAllen Main St

Mile 2

Ware Rd

23rd St

29th St

100

23rd St

29th St

Mile 9

23rd St

Mile 4

29th St

th

36

Mile 8

Ware Rd

St Jude Ave (Mile 6) Bentsen Rd

RGV/ South Texas

Bentsen Rd

Taylor Rd

Ware Rd

Depot Rd

Monte Cristo Rd

10th St

495

Taylor Rd

Shary Rd

Mile 9

Bicentennial Blvd

29th St

302 Shary Rd

Glasscock Rd

102

Ware Rd

Mile 4

Taylor Rd

Mile 2

Shary Rd

500 Glasscock Rd

Stewart Rd

Bryan Blvd

Mayberry Blvd

Conway Rd

Trosper Rd

Los Ebanos Rd

Inspiration Rd

Moorfield Rd

La Homa Rd

101

23rd St

BUS Stewart Rd

Alton

Glasscock Rd

Buddy Owens Blvd Stewart Rd

107

Bentsen Rd

495 Griffin Pkwy Bryan Blvd

Mile 5

Stewart Rd

Bryan Blvd

St Jude Ave

Mayberry Blvd

Los Ebanos Rd

Mile 7

Ware Rd

83 Conway Rd

354

Conway Rd

Trosper Rd

Los Ebanos Rd

N

Los Ebanos Rd

Inspiration Rd

Moorfield Rd

La Homa Rd

Bentsen Palm Dr

map

Shary Rd

2 Inspiration Rd

Moorfield Rd

Schuerbach Rd

Bentsen Palm Dr

communities

Conway Rd

Inspiration Rd

Breyfogle Rd

La Homa Rd

Bentsen Palm Dr

new home

Schuerbach Rd

Bentsen Palm Dr

RGV NEW HOMES GUIDE | NEW HOME COMMUNITIES MAP

El Pacifico

107

Mile 8

336

F

105 Northgate Ln

H

336

107 Nolana Ave

495 336

83

115

3

Sugar Rd

Jackson Rd

McColl Rd

Monte Cristo Rd

communities 206

Mile 17 1/2 Rd

BUS

281

103 ..... Hibiscus Hill See pgs. 5, 26 & 33

nsin Rd

205 .... Camden Village See pg. 35

ton Rd

206 .... Russell Park See pgs. 5 &Tren 35 207 .... Sugar Oaks See pg. 35

Alberta Rd

Owassa Rd

2

Raul Longoria Rd

Veterans Blvd (I Rd)

495

lt Rd Rooseve

302 .... Stewart Oaks See pg. 36

ta Rd Minneso

303 .... Tanglewood at Bentsen Palm See pgs. 9, 26 & 36 d Earling R ALTON 500 .... Imperial Oaks See pg. 36 d Eldora R

Sioux Rd

Ferguson Ave

495 furnished model home Denotes

See pgs. 26 & 27

281

To add a New Community on this map, call (956) 971-9700.

83

BUS

Rd

301 ..... Retama Village at Bentsen Palm See pgs. 9, 26 & 36

Eldora Rd

69C

Alberta

MISSION 300 .... Del Oro at Bentsen Palm See pgs. 9 & 36

Earling Rd

Sugar Rd

Jackson Rd

n Rd

isco 204 .... The Hills at Chapin SeeWpg. 35

Trenton Rd

Minnesota Rd

Pecan Ave

2

BUS

83

83

2nd St

Ridge Rd

281 Moore Rd

Hall Acres Rd

El Rancho Blanco Rd

BUS

communitiesonline 83

Ridge Rd

Moore Rd

Hall Acres Rd

Alamo Rd

2

new home

Cesar Chavez Rd

Sam Houston Blvd

Stewart Rd

Veterans Blvd (I Rd)

McColl Rd

n Rd Anderso

to 202 .... Regal Vista See pgs. 11 C&an 34

Alamo Rd

Veterans Blvd (I Rd)

281

Nolana Ave

McColl Rd

EDINBURG 201 ..... Telfair See pgs. 11 & 34

Canton Rd

Cesar Chavez Rd

Raul Longoria Rd

69C

201

Minnesota Rd

Col Rowe Blvd

107 ..... Vendome See pgs. 34

Iowa Rd

Wisconsin Rd

Dove Ave

336

Texas Rd

Alamo Rd

Wisconsin

BUS

McColl Rd

Raul Longoria Rd

203

106 ..... Plantation Gap See pgs. 5 & 34

Curve Rd

203 .... The Reserve at Canton See pg. 35

Alberta Rd

Jackson Ave

105 ..... La Floresta See pgs. 5, 26 & 34

202

Canton Rd

Trenton Rd

6

104 ..... Hidden Cove See pgs. 12, 26 & 33

107

Closner Blvd Sugar Rd

207

102 ..... Estancia at107 Tres Lagos See pgs. 9 & 33

Cesar Chavez Rd

Sugar Rd

Jackson Rd Jackson Rd

McColl Rd

Col Rowe Blvd

205

2nd St

101 ..... Escondido at Tres Lagos See pgs. 9 & 33 E Richardson Rd

Edinburg

Freddy Gonzalez Dr

Hobbs Dr

69C

University Dr

107 Sprague Rd

MCALLEN MileSee 17 Rd 100 ..... Ensenada at Tres Lagos pgs. 9 & 33

204

Closner Blvd

Chapin Rd

Schunior St

Monte Cris

new home

Rogers Rd

Russell Rd

McColl Rd

6

69C

BUS

281

Monte Cristo Rd

SEE MAP ONLINE

Get turn-by-turn directions to a new home community at: www.rgvNewHomesGuide.com/Map

DOWNLOAD LOT SHEETS

See layouts of neighborhoods and available lots: www.rgvNewHomesGuide.com/Communities

For advertising call (956) 971-9700

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Volume 25.3 2017

31

new home

communities How to use this comprehensive new home communities guide

NEARBY POINTS OF INTEREST

*Within 5 Mi

Shopping

Running Trails

Fitness Facility

Dining

Bike Trails

Children’s Park

Entertainment

Golf

Schools

Hospital

Expressway

Gated

CITY COLOR CODE McAllen

Edinburg

Mission

Harlingen

Alton

MAP LISTING NUMBER

This number identifies the community on the locater maps.

CITY COLOR CODE

Cities are coded by color. Each color represents a different city.

ICON LEGEND

The icons on the top right of the community ad indicate amenities or nearby points of interest. See complete legend at the top of this page.

SCHOOL INFORMATION

Find Independent School District telephone numbers and names of related schools.

QUICK LOCATER MAP

See road directions to the community showing minor and major roadways.

PRICES & PROPERTIES FOR SALE

Prices or price ranges are shown for lots, homes, or a combination of both. Prices subject to change without notice. Call advertiser for more information.

new home

communitiesonline

GET TURN-BY-TURN DIRECTIONS www.rgvNewHomesGuide.com/Map

DOWNLOAD BROCHURES

www.rgvNewHomesGuide.com/Communities

FIND A MORTGAGE LENDER www.rgvNewHomesGuide.com/Loans

VIEW OUR DIGITAL MAGAZINE www.issuu.com/rgvNewHomesGuide

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34

Volume 25.3 2017

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THE BEST PLACE TO START YOUR NEW HOME SEARCH IS WITH A HOUSING GUIDE. ARIZONA

KANSAS

Arizona New Homes Today NewHomesToday.com

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MARYLAND

Southern California Home Buyers Guide HBG.com

Suburban MD / Baltimore / Eastern Shore New Homes Guide NewHomesGuide.com

CANADA

Toronto Homes Magazine HomesMag.com Condo Life CondoLifeMag.com DELAWARE

Eastern Shore New Homes Guide NewHomesGuide.com DISTRICT OF COLUMBIA

Washington DC Metro Area New Homes Guide NewHomesGuide.com GEORGIA

Atlanta Communities Magazine AtlantaCommunities.com

NEVADA

Las Vegas New Homes Guide LasVegasNewHomesGuide.com NORTH CAROLINA

Charlotte The Greater Charlotte New Home Link CharlotteNewHomeLink.com Greensboro / Winston Salem / High Point New Home Guide TriadNewHomeGuide.com Raleigh / Durham / Chapel Hill New Homes & Ideas NewHomesAndIdeas.com

Greenville / Spartanburg / Anderson New Home Finder NewHomeFinderSC.com Grand Strand / Myrtle Beach New Home Guide GrandStrandNewHomeGuide.com TEXAS

Rio Grande Valley RGV New Homes Guide RGVNewHomesGuide.com

Rio GRAnde VAlleY BuildeRs AssociAtion

San Antonio San Antonio At Home SAAtHome.com

W W W. R g V B a . O R g | ( 9 5 6 ) 6 8 6 - 2 9 3 2

2017

Parade of Homes MAY 20-21 & 27-28 10am to 6pm

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VIRGINIA

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Northern Virginia New Homes Guide NewHomesGuide.com

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WHAT IS “QUALITY BUILT”?

HINT: It’s Something You Can’t See

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