2015 Subdivision-Builders Guide - Special Interest Articles by Huntsville Madison County Builders Association

OFFICIAL

2015 • 21 ST EDITION • FREE

SUBDIVISION & BUILDERS WWW.OFFICIALSUBDIVISIONGUIDE.COM

GUIDE

Resources you need to Design, Build, and Enhance Your Home. Plus A Great Selection of Neighborhoods and Builder Profiles To Choose From!

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Model Homes Now Open!

Building trust since 1954!

in select communities*

Cambridge* Crystal Springs Grand Lake* Heritage Commons Heritage Estates* Oakwood at Lake Forest Oakwood Estates at Lake Forest Spencer Green The Preserve on the Flint*

Visit mungo.com to view homes being built in other Huntsville area communities!

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Patio Packages By Design & Size Upscale Your Outdoor Living Experience! Backyard Patio Designs with seatwalls, fire pits, grill stations and more! 5 Plans to Choose From ranging from 100 sq. ft. to 500 sq. ft. Concrete Cracks - Pavers Last!

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7004 N. Memorial Parkway 125 Fairground Road Huntsville - acrossthepond.biz Florence

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Don’t Miss These Events: Huntsville/Madison County Builders Association, Inc. APRIL 18-19 & 25-26, 2015

2804 Bob Wallace Avenue Huntsville, AL 35805 Telephone (256) 536-2602

EXECUTIVE DIRECTOR Lynn Kilgore, CAE, BIAE MANAGING EDITOR Sherdian Stanford PUBLISHER Taylored Marketing (931) 438-8384

AUGUST 28-30, 2015

www.officialsubdivisionguide.com www.buildersassn.org The Official Subdivision and Builders Guide® is published annually for the Huntsville/ Madison County Builders Association, Inc. (HMCBA) based on information submitted by individual developers and builders. Taylored Marketing and HMCBA makes no representation concerning the information contained herein relative to any subdivision listed or the developer or builder. Further, Taylored Marketing and HMCBA makes no representation that all subdivisions and builders which might be located in the County of Madison, City of Huntsville, City of Madison and vicinity are listed herein.

Dates to be Announced after School Boards release their calendars for 2015-2016 school year.

USUALLY HELD IN OCTOBER

Taylored Marketing and HMCBA specifically disclaims any liability that may result from the performance of any of the developers and builders listed herein. Copyright © 2015 by the Huntsville/Madison County Builders Association, Inc. All rights reserved. No part of this publication may be reproduced, stored in a retrieval system or transmitted in any form or by any means (electronic, mechanical, photocopied, recording or otherwise) without prior written permission of HMCBA.

PUBLISHERS NOTICE All real estate advertised in The 2015 Official Subdivision and Builders Guide® is subject to the Federal Fair Housing Act of 1968, as amended, which makes it illegal to advertise “any preference, limitation or discrimination based on race, color, religion, sex, handicap, familial status, or national origin or any intention to make such preference, limitation or discrimination.” For more information call the U.S. Department of Housing and Urban Development. The 2015 Official Subdivision and Builders Guide® will not knowingly accept any advertising for real estate which is in violation of the law. Our readers are hereby informed that all subdivisions advertised in The 2015 Official Subdivision and Builders Guide® are available on an equal opportunity basis. We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, familial status, handicap or national origin.

MARCH 4-6, 2016

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OFFICIAL

2015 • 21 ST EDITION • FREE

SUBDIVISION & BUILDERS GUIDE

7 10 1 1 12

12 26

Homeownership: Opportunity is Knocking! Top 10 Tips for Home Buyers Small Spaces Big Returns Advice on Financing Your First Home

50+ Housing

33 34 35 36 37 38 39 40 41

BUILDER PROFILES | Action Builders

42 43 44 46

Questions to Ask When Choosing a REALTOR® Your Building Contract - What Will It Cover? Shopping for the Right Builder

Adams Homes | Bart Darwin Builder Cornerstone Communities | Covington Homes. Jerry Brooks Construction | Ken McDaniel Homes Lane Builders | Mark Harris Homes Matrix Builders | Maze Home Builders Meers Construction | Southern Construction & Design Southern Housepitality | Steve Steele Custom Homes Stoneridge Homes | Wal Bilt Custom Homes The Construction Process Remodeling Savvy: Innovations in Paint How to Design Your Own Floorplan Lighting for Life

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Homeownership:

Opportunity is Knocking! Homeownership is an important part of the American way of life, and there may never be a better time to buy than today. OUTSTANDING OPPORTUNITIES With the country still emerging from the recent recession, many people wonder if this is a good time to buy a home.

The answer is easy: Yes.

It’s a very good time to purchase a home. There are many opportunities in today’s market including low mortgage rates and new homes that are built to fit your lifestyle. But market conditions can change, and these opportunities may not be around for long, so home buyers shouldn’t wait. And despite the housing downturn, home owners still place high value on owning a home, and recommend homeownership to others.

LOW INTEREST RATES Today’s historically low interest rates are helping home buyers find affordable housing options. But, it’s important to keep in mind that interest rates are sensitive to market forces and can change quickly. There’s no indication that rates will suddenly surge upward, but even a slight rate increase can push monthly payments to the point that a buyer might miss out on their first choice for a new home.

LARGE DOWNPAYMENTS NOT NECESSARY While lenders are looking more closely at borrowers today than in recent years, there are options for purchasing your home without a 20% downpayment. For example, the Federal Housing Administration (FHA) (continued) 

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offers loans to first-time home buyers with downpayments as low as 3.5%. However, these loans will require mortgage insurance.

Homeownership is truly a cornerstone of the American way of life.

To ensure that the process goes smoothly, buyers should consider pre-qualifying for a mortgage and having financing in place before shopping for a new home. Buyers also may find that some home builders have arranged favorable financing for their customers or offer financial incentives.

BUILT TO FIT YOUR LIFESTYLE Designed to accommodate today’s busy lifestyles, new homes – including urban condos and single-family homes – feature open floor plans, flexible spaces, low-maintenance materials and other amenities that make them more appealing than ever before. With family energy costs near the top of consumer concerns, it’s good to know that new homes can be more energy efficient than ever. Innovative materials and construction techniques mean that today’s new homes are built to be much more energy efficient than homes constructed a generation ago. Not only can they be more affordable to operate, new homes also are significantly more resource efficient and environmentally friendly. And in many areas, prospective home buyers who wish to live in age-qualified communities for those 55 and older will find a large selection of homes tailored to the evolving lifestyles of the baby boom generation.

Homeownership also provides important benefits to owners. TAX BENEFITS: FOR HOME OWNERS ONLY Unique tax benefits that apply only to housing help lower the cost of homeownership. Both mortgage interest and property taxes are deductible. Moreover, for married couples, profits of up to $500,000 on the sale of a principal residence ($250,000 for single taxpayers) are excluded from tax on capital gains.

THE ADVANTAGE OF LEVERAGING Leveraging is another advantage of homeownership. A buyer can purchase a home and receive the full benefit of homeownership with a cash downpayment that is only a fraction of the total purchase price. This is called leveraging, and it makes the rate of return on a home purchase greater than on other purchases with the same value, such as stocks, where the buyer must put up the entire price.

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BUILDING PERSONAL RESOURCES For most Americans, homeownership is a primary source of net worth and an important step in accumulating personal financial assets over the long term. Although property values have declined in many markets, Americans have more than $10.8 trillion of equity in their homes, and for most families, home equity represents the largest share of net worth.

THERE REALLY IS NO PLACE LIKE HOME Although there are many positive financial aspects to homeownership, a home cannot be valued in monetary terms alone. Not only can homeownership be a stepping stone to greater financial well-being, it provides a permanent place to call home and great personal satisfaction. Academic research also shows that homeownership provides a wide range of social benefits and strengthens the nation’s people and its communities. v

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One-Time Close Construction Loan Program Are you worried about rising interest rates while your home is under construction? Would you like the opportunity to save time and money? By choosing our One-Time Close construction loan program you lock in your interest rate prior to the start of construction on your home. With a One-Time Close loan you have just that, one closing saving you closing costs, time and the trouble of attending two loan closings. Call today to learn more.

Brandi McEwen Mortgage Loan Originator NMLS# 776272 Office: 256-532-2664 Cell: 256-520-0225 brandi.mcewen@cadencebank.com

Visit Me Online Cadence Mortgage is a Division of Cadence Bank, N.A. NMLS# 525022 All loans are subject to credit approval. Loan terms and availability subject to change. Consult a Cadence Bank Loan Officer for complete details.

brandimcewen.cadencebank.com 312 Clinton Avenue West Huntsville, AL 35801

256.469.1473 JeffBentonHomes.com

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TOP

Tips for

Home Buyers » CHECK YOUR CREDIT REPORT. Get

your credit history in order before beginning the home buying process.

» DEVELOP A MONTHLY BUDGET based

on your income and expenditures so that you can determine what is realistically affordable in terms of a mortgage payment.

» SEE A LENDER FIRST. Shop around –

compare various mortgage lenders and find one that will work well with you and your situation.

» WEIGH NEEDS VS. WANTS. What

features do you need in a new home versus what you want? Don’t make an emotional decision, make a financial one.

» GET PRE-QUALIFIED. Then you are

aware of what you can afford and prepared to seriously consider real estate options.

» DO YOUR HOMEWORK. Take time

to learn important terms and understand their meaning.

» DON’T OVERLOOK DETAILS. Once

you’ve found a lender, thoroughly investigate the mechanics of the deal – are there additional costs, such as origination and/or application fees?

» DETERMINE MORTGAGE PACKAGE.

There are various types of mortgage packages. Figure out, with your lender, what type of mortgage is best for you.

» VISIT AS MANY HOMES AS POSSIBLE

and decide on the house you are interested in based on your approved loan amount.

» WORK INTERACTIVELY WITH A

MORTGAGE LENDER and be accessible to him/her in order to secure the loan. v

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Small Spaces Big Returns Homeowners continue to embrace the trend of maximizing outdoor living space.

Now is the time to be thinking and planning your outdoor living spaces if you want to be ready for spring. Without erecting the traditional four walls and roof, outdoor living spaces can be easily created for large or small homes, and everything in between. Enhancing an outdoor space with hardscapes adds value and can be adapted for multiple uses. CNN Money suggests some outdoor kitchens can fetch a 100-200% ROI. Homeowners continue to embrace the trend of maximizing outdoor living space, whether it’s an outdoor kitchen or patio living room with a fire pit. New construction should include plans for exterior hardscapes, especially when you consider the return on investment, not to mention the added customer appeal. Nicely designed landscapes and outdoor spaces add a great deal to curb appeal. There are many solutions to fit any budget and need. Products like permeable pavers or gravel walkways controls runoff and helps in areas where drainage is a problem. As a natural extension of the home’s ground floor, a patio significantly expands a family’s living and entertaining space. It provides a perfect gathering spot for guests and family who will be drawn from indoor dining areas to this enticing outdoor space. The party is always in the kitchen, so design outdoor areas wisely. Consult with experienced designers and installers that can help you enjoy your outdoor living experience. v For more information contact: Trevor Cole at Across the Pond.

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Buying your first house is very exciting. But financing your home purchase can be a daunting experience. In both cases, do your research and shop carefully to ensure you find exactly what you want and need.

Advice On Financing Your First Home

Attend a first-time home buying seminar or talk to a credit counselor who does not work for a lender. You can research your options without being influenced by someone who has a financial interest in the home or loan you choose. The U.S. Department of Housing and Urban Development (HUD) offers free housing counseling and seminars.

Deciding how much to spend on your home and which type of mortgage will work best for you – as well as understanding the settlement process – can be confusing. However, there are many sources that can help you get prepared well before you step foot into a sales office, model home or open house.

Do your research. HUD also has a handy booklet on its site called Buying Your Home: Settlement Costs and Information.** It describes the process and explains most of the expenses you will encounter. It is free and most lenders are required to provide their loan applicants with a copy of this document under the Real Estate Settlement Procedures Act (RESPA). However, you will be able to shop more wisely for settlement services if you have read this information before you visit a lender.

Get familiar with the lingo. National Association of Home Builders (NAHB) Home Buyer’s Dictionary* can help you.

Figure out what you can actually afford to pay on a monthly basis. Remember that, in addition to the monthly principal and interest, you will also pay into escrows for property taxes, hazard insurance and possibly a home owners’ or condominium association assessment. You have more knowledge about your living expenses than a lender. Hold firm with that number and don’t be tempted to agree to an amount higher than what you are comfortable spending. Mortgage calculators are a great way to figure out what your monthly payments would be based on interest rates and down payment amounts. Calculators can be found on most real-estate-focused websites.

When you have done your research and are ready to move on to the next step, visit a lender, understand the loan choices that would be available to you, and, once you’ve determined the most suitable loan, get pre-approved for that loan. Since you will already know how much money you can borrow, you will know what price range you should look at and can move quickly if you are bidding on a house that has several interested buyers. A lender’s pre-approval would still be subject to a final verification of your credit and a satisfactory appraisal, but it’s a big step toward becoming a home owner. v

Pay down your debts. Credit card debt limits what you qualify for from a lender. Lenders want to see a total debt service ratio that is less than 40% of your monthly income.

*www.nahb.org/generic.aspx?sectionID=123&genericContentID=351 **http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/ ramh/res/sfhrestc Page 12 | Official Subdivision and Builders Guide©

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H M B A

HUNTSVILLE MADISON COUNTY BUILDERS ASSOCIATION IMPROVING THE QUALITY OF LIFE FOR THE COMMUNITY WE SERVE

PROVIDING EDUCATIONAL SCHOLARSHIPS

CONTRIBUTING TO LOCAL CHARITIES AND ECONOMIC DEVELOPMENT

FOR MORE INFORMATION GO TO BUILDERSASSN.ORG OR CALL 256-536-2602 www.officialsubdivisionguide.com Official Subdivision and Builders Guide© | Page 13

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50+ Housing America is getting older. As baby boomers

come into their 50s, 60s and 70s, the country faces big changes. By 2040, the number of Americans 65 or older will expand to more than 79 million â&#x20AC;&#x201C; up from just 40 million in 2010.

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What is 50+ Housing? National Association of Home Builders (NAHB) forecasts that the share of households headed by someone age 55+ will increase through 2019 to account for more than 45% of all U.S. households. These ever-growing ranks of empty-nesters, new retirees, grandparents and active seniors create an opportunity for builders across the country to meet the special needs and preferences of 50+ buyers looking to relocate, downsize their homes or find a new senior-friendly community. 50+ homes often form around vibrant locations and social-engaged communities and often include amenities like nature trails, pools and recreation centers. Many use design elements that promote low-stress living and include special features like an extra bedroom suite for guests and accessible kitchens, bathrooms and gardens. The 50+ niche is vitally important to help ease the transitions between life stages. Builders are redefining what it means to relocate with age by providing more lifestyle options for the growing 50+ population.

Universal Design If you are in the 50+ housing market and are considering remodeling your current home or building a new home Universal Design is an innovative way to think long-term. Universal Design (UD) focuses on making a living space fully accessible to people of all different ages and abilities. This often requires small innovations in design that are increasingly inviting and stylish. Some examples are widened doorways for wheelchairs, adjusted showers and baths, raised flower beds for seated gardening, open, single-level floor plans and lowered appliances. These measures take away the stress of high-maintenance homes with steep staircases and high operating costs that many seniors live in today. With a move to a home with UD elements, you can have both updated style and feel totally comfortable in your own space. v

Universal Design can be integrated in existing homes and new construction homes. In the early assessment process, we provide a Home Audit. This provides us with pertinent data about the existing living accommodations and helps us determine if the challenges are short-term, progressive, or long-term. For a new construction home an assessment would be performed to determine what level of CAPS the customer needs for their current situation or what level they are interested in pursuing to have in place for future needs.

Mark & Diane Rovere, Action Builders, Huntsville, AL CAPS Designated Builder

If youâ&#x20AC;&#x2122;re interested in learning more, contact an expert in this area by going to the Huntsville Madison County Builders Association for builders that have a Certified Aging in Place (CAPS) designation from the National Association of Home Builders. www.officialsubdivisionguide.com Official Subdivision and Builders GuideÂŠ | Page 27

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Questions to Ask When Choosing a REALTOR ®

Make sure you choose a REALTOR® who will provide top-notch service and meet your unique needs. How long have you been in residential real estate sales? Is it your full-time job? While experience is no guarantee of skill, real estate – like many other professions – is mostly learned on the job. What designations do you hold? Designations such as GRI and CRS® – which require that agents take additional, specialized real estate training – are held by only about one-quarter of real estate practitioners. How many homes did you and your real estate brokerage sell last year? By asking this question, you’ll get a good idea of how much experience the practitioner has. How many days did it take you to sell the average home? How did that compare to the overall market? The REALTOR® you interview should have these facts on hand, and be able to present market statistics from the local MLS to provide a comparison. How close to the initial asking prices of the homes you sold were the final sale prices? This is one indication of how skilled the REALTOR® is at pricing homes and marketing to suitable buyers. Of course, other factors also may be at play, including an exceptionally hot or cool real estate market. What types of specific marketing systems and approaches will you use to sell my home? You don’t want someone who’s going to put a For Sale sign in the yard and hope for the best. Look for someone who has aggressive and innovative approaches, and knows how to market your property competitively on the Internet. Buyers today want information fast, so it’s important that your REALTOR® is responsive. Will you represent me exclusively, or will you represent both the buyer and the seller in the transaction? While it’s usually legal to represent both parties in a transaction, it’s important to understand where the practitioner’s obligations lie. Your REALTOR® should explain his or her agency relationship to you and describe the rights of each party. Can you recommend service providers who can help me obtain a mortgage, make home repairs, and help with other things I need done? Because REALTORS® are immersed in the industry, they’re wonderful resources as you seek lenders, home improvement companies, and other home service providers. Practitioners should

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generally recommend more than one provider and let you know if they have any special relationship with or receive compensation from any of the providers. What type of support and supervision does your brokerage office provide to you? Having resources such as in-house support staff, access to a real estate attorney, and assistance with technology can help an agent sell your home. What’s your business philosophy? While there’s no right answer to this question, the response will help you assess what’s important to the agent and determine how closely the agent’s goals and business emphasis mesh with your own. How will you keep me informed about the progress of my transaction? How frequently? Again, this is not a question with a correct answer, but it reflects your desires. Do you want updates twice a week or do you not want to be bothered unless there’s a hot prospect? Do you prefer a phone call, e-mail, or a personal visit? Could you please give me the names and phone numbers of your three most recent clients? Ask recent clients if they would work with this REALTOR® again. Find out whether they were pleased with the communication style, follow-up, and work ethic of the REALTOR®. v

Choosing a REALTOR® that is involved in their local Homebuilders Association helps ensure that the REALTOR® is familiar with local builders, remodelers and new home communities in the area. This knowledge allows the REALTOR® to give you up-to-date, relevant information to help you make the most informed decisions possible. Choosing to remodel a current home may be the best option for a homeowner, but there are several things to consider. Which additions and upgrades increase the value of your current home? Will the additions and upgrades keep you competitive with the other surrounding homes or will you be “over improving” for the neighborhood or area? A real estate agent with experience and knowledge will help you make smart choices about these important decisions. Rhonda Pugh for The Pugh Group, Huntsville, AL

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ontracts vary in form, length, content, and print size. Expect standard elements such as the names of the parties, dates, and signatures to show up in every contract. Contracts often contain clauses that address company experiences and regional items.

Your Building Contract What Will It Cover?

The contract for the purchase of a new home includes a collection of documents. These may include the purchase agreement itself, blueprints, specifications, option and color selection sheets, lighting schedule, site drawing, and limited warranty. Besides drawing this collection together, the purchase agreement includes many common clauses such as those briefly described here.

Price and Allowances The total cost of your home is stated in the contract. This cost is subject to change based on your change orders and selections. You may be ready to get the building process moving but still need more time to finalize choices for items like carpet, cabinets, tile, appliances, and light fixtures. To address these items, you and your builder can agree to an allowance in the contract. An allowance is the estimated cost of each listed item. This amount is included in the contract total and therefore your mortgage. If the actual cost of the item exceeds the allowance, you can pay the difference in cash or ask your lender to approve a higher mortgage.

Construction The contract lists the plans, specifications, and buyer selections sheet-by name, number of pages, and datethat describe the work to be done. The builder commits to doing this work in a “workmanlike manner” as defined by general practice in the region.

COMMENCE AND COMPLETE CONSTRUCTION »

Understandably, you are anxious for the builder to start your home. However, several preliminary tasks usually need to be completed before the builder begins construction. Many builders wait for the buyer’s loan to be approved before beginning to build the home. Obtaining a permit can take from a few days to a few months. Skilled labor shortages, weather, and change orders can extend the construction schedule. Contracts often specify that the home is considered complete and ready to close when the building department issues a certificate of occupancy. The builder should keep you updated about the target delivery date. Seldom does either party intentionally delay the process; the buyers generally want their home and the builder wants to be paid. However, most contracts describe the liability for extra expenses due to avoidable delays caused by either the builder or the buyers.

CHANGE ORDERS

Many builders allow buyers to request changes during construction. Wise buyers and builders make all changes in writing, including detailed descriptions of materials and labor whether added or deleted, schedule extension, and costs.

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CONFORMANCE WITH PLANS & SPECIFICATIONS

This clause allows the builder to make changes required by code revisions, site conditions, or other events outside his or her control. If a supplier goes out of business or a manufacturer updates models, the builder has no choice but to alter the intended home accordingly. “The builder has the right to substitute materials or equipment of equal or better value” appears in nearly every new home contract. Similarly, since a home is handcrafted by human beings, exact reproduction is unlikely. Measurements will vary slightly from any model or plans. The exact placement of switches, outlets, and vents change a bit. Review each detail of your home’s specifications carefully. They define the materials and methods the builder will use to construct your home. PLAN OWNERSHIP Production and semi-custom builders own the plans from which they build, even if they allow some custom changes. A few builders will sell a copy and grant permission to use them with limitations. The cost is usually significant since house plans are intellectual property.

SITE VISITS » Your builder may restrict site visits due to increased safety regulations and insurance liability. Recognizing buyers’ understandable interest, some builders schedule tours of the home at specified stages of construction.

NONINTERFERENCE

The builder’s routine inspections identify items that need attention. Your input should be given to the builder, not the people working on site. They have no authority to change anything, and confusion can easily result.

INSPECTIONS & ACCEPTANCE

Shortly before closing, you will review your home to confirm that it includes all the items you ordered and that your builder met the promised standards. Most builders combine this tour with an educational demonstration of your new home and discussion of maintenance and limited warranty coverage.

SITE CLEAN-UP » Keeping the construction site clean and safe is the builder’s and trade contractors’ responsibility.

Mandatory Clauses An Insulation Notice is one example of a mandatory clause. Builders must specify the standards of insulation used in your home. This information can appear in the contract or an addendum to the contract. A notice discussing radon, while not required, has become common. WARRANTY Another document “incorporated herein by reference” is the builder’s limited warranty. The limited warranty your builder provides defines responsibilities if something goes wrong in your home after you close on it. The limited warranty is then part of the legal agreement between yourself and your builder.

HOMEOWNERS ASSOCIATION

The contract will reference applicable homeowners association documents as part of your agreement. These include Covenants, Conditions, and Restrictions, known affectionately as “CC&Rs.” Review them carefully and take them seriously.

SETTLEMENT

POSSESSION

This clause explains how the builder transfers ownership of the home to you. The Real Estate Settlement Procedures Act, RESPA, regulates this event. When the title or escrow company has recorded transfer of title to the property, you can take possession of your new home. In most jurisdictions, you may take possession or move belongings into the home only after the builder obtains a certificate of occupancy from the building department.

INSURANCE » Adequate insurance coverage for construction work is essential. The contract designates the type and amount of coverage the builder will maintain.

DEFAULT OR TERMINATION » A termination clause defines

the circumstances under which either party can terminate the contract and what obligations and costs exist if either party defaults or fails to fulfill its duties under the contract.

ALTERNATIVE DISPUTE RESOLUTION (ADR)

No one plans to have disagreements during construction of a new home or the warranty period, but they can occur. Some contracts address this possibility by providing for arbitration or mediation. In arbitration, each side presents its views and the arbitrator makes a decision. In mediation, a mediator facilitates communication and guides the discussion as the two parties try to come to their own solution. Either can forestall court action, at least until the parties have used the ADR method described in the contract. Make sure the contract is clear about whether the result of ADR is binding.

CO-OP BROKER » If applicable, the name and address of

your real estate agent may appear in the contract along with the percentage or amount of commission due at closing.

MISCELLANEOUS » Most contracts contain clauses cover-

ing standard legalities. The “entire agreement” clause is one of the most significant. It says that only what is in writing counts. The contract documents should contain all points of agreement. In fairness to yourself and the builder, do not rely on human memory regarding undocumented promises. Other miscellaneous clauses might include information such as the following: 1. where notices about the contract must be mailed; 2. that pronouns and gender words do not limit the application of the clauses; 3. that if one clause is found unenforceable by a court or is waived by either party, the rest of the contract still applies; 4. that the terms of the contract survive or continue in force after the closing or settlement on the home. The contract is in force only when all named parties have signed it. The meeting to go over all the paperwork and sign everything can take up to several hours. Prepare for it by asking to review it prior to the meeting and note any points or items you want clarified. Read everything before you sign it. This paperwork is the official beginning of building your new home. v

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Shopping for the Right Builder Your home is your castle. Don’t trust it to just anyone to build or remodel. Whether you are making minor repairs, adding an addition to your home, or building a new home, arm yourself with the information necessary to choose the right builder. Before hiring someone, thoroughly research your project and the builders you’re considering working with. Here are some tips to get you started:

Verify the builder’s name, address and phone number.

Numbers You Need To Know: Home Builders Licensure Board Phone: 800-304-0853 www.hblb.state.al.us

Huntsville/Madison County Builders Association 256-536-2602 www.buildersassn.org

Home Builders Association of Alabama 800-745-4222 www.hbaa.org

Better Business Bureau 800-824-5274 www.bbb.org

Request references on similar work performed by the builder. For customer references, find out: • If they are current references or really old ones; • If the references are for jobs similar to yours; • Are the projects similar in scope and price range to yours?

Call customer references. Ask the tough questions: • How much was the original bid? • How much was the final project? • How did the builder handle communication? Did he/she keep you informed at all times? Were there any surprises? • Did the job finish on schedule? • Are/were you satisfied with the project’s quality and workmanship? • Has the contractor handled punch list items and call back items to your satisfaction?

Verify the builder is licensed. In the State of Alabama, a residential home builder and/or remodeler must be licensed with the Alabama Homebuilders Licensure Board which is located in Montgomery, Alabama. To find out if the builder is licensed, ask for a current copy of their home builders license (which is different from a business license), contact the Board at 1-800-304-0853 or check on-line at www.hblb.state.al.us. Check with the local Better Business Bureau to see if there is a history of

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complaints and with the local Builders Association.

Ask for proof of insurance; general liability and workman’s comp (when applicable).

Obtain 2 or 3 bids. When comparing estimates, be sure each is based upon the same set of plans, specifications, and scope of work.

Be sure you have a good rapport with the builder. Good communication is essential with your builder. You are entering into a long term relationship and you must feel comfortable asking questions of the builder and communicating your feelings.

Be sure you understand the contract and warranty. There are no stupid questions!

Once you’ve selected your builder, let the person do his or her job! Stay informed and make timely decisions when requested. Pick a plan and stick with it. Changes cost money, and clients are often their own worst enemy during the job’s progress.

And finally, trust the relationship you’ve created. In the end, the goal is to be happy with the finished project. v

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The Construction Process It is understood that once you make the decision to build, you look forward with great anticipation to the date you can move into your new home! It’s natural to want to see immediate and frequent progress, but it’s important for you to have realistic expectations about the building process. Be flexible and avoid making arrangements that might cause you to worry if the move-in date changes slightly over time.

Before Construction

Site Visits

In the initial stages of the project, there are several factors beyond the builder’s control:

Many builders schedule specific dates for you to visit the construction site of you new home; when on the site, remember that your safety, satisfaction, and the smooth flow of work are the builder’s prime concerns:

Weather: this is an obvious factor throughout construction. Design Review Committee: many communities today have covenants protected by a homeowners’ association; your house plans may need to be approved before construction can begin. Structural Changes: the home design must be finalized before applying for a building permit, and it may take several days to several weeks to update the plans when you make structural changes. Building Permit: most residential construction requires a permit, and the time needed to obtain a permit varies depending on local practices and workload.

During Construction The builder creates a construction schedule based on experience and input from the trades. At several points during construction, nothing appears to be happening… don’t panic! Builders are experienced in handling many issues that affect the progress of the home: Trade Contractors, early: sometimes a trade completes its work ahead of schedule; the next trade has an assigned time that the builder cannot change on short notice. Trade Contractors, late: one late trade can force the builder to reschedule several others; this may cause your home to lose its place in line with one of the affected contractors. Building Inspection: at several points during construction, the work up to that point needs to pass required building inspections; work cannot move beyond that point until the inspection is completed. Material Delays: materials may not arrive on time or arrive incomplete or damaged. Perceived Delays: some portions of the work move quickly while other tasks require more time; work may be progressing quite well even though you don’t see much change.

Contact the Builder: if you have a question or concern, contact the builder; do not give instructions directly to trade contractors. Degree of Urgency: with any issue, consider whether if it can wait until the next planned conversation with the builder or whether you should contact the builder immediately; try to resist pointing out items the builder will address in the normal sequence of construction. Play it Safe: if you’re in doubt about how urgent your concern is, contact the builder. Put it in Writing: reduce the possibility of miscommunication by putting your comments in writing; remember to keep a copy for your records.

Safety For your safety and to avoid violations and fines, the builder may require that you be accompanied by company personnel when visiting your home site; you may also be required to wear a hard hat at various phases of construction. Whatever the builder’s policies, keep the following points in mind at all times: Always look in the direction you’re walking: beams, boards, etc. may be sticking out where you would normally not expect them. Stay clear of large, noisy equipment and power tools: assume the operator does not see or hear you. Be aware of someone working above you: construction personnel working on the roof may not hear you arrive. Hands off: avoid handling or attempting to use any tools, equipment or ladders you see on the site.

After Construction After all the discussions with the builder, all the site visits, and the final walk-through and closing, you have finally made it through the construction process. You have the keys to your new home and are now ready to move into your new home and enjoy the results of all the research, all the planning and all the discussions. Your new home – isn’t it great! v

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REMODELING SAVVY:

Innovations in Paint S

ignificant innovations in paint over the past 20 years have lead to fascinating interior and exterior applications. Today home owners can use paint to generate solar power, light up a hallway, waterproof a basement and even draw on the walls with no fear.

proof. These paints can be used in bathrooms, water tanks and birdbaths to manage moisture retention and mold and mildew buildup. One day, fully waterproof paint may be the best and least expensive solution to a common problem that many home owners face: flooding.

If you’re thinking about painting your home, knowing what’s new in paint technology may be helpful in deciding how to move forward with your next project. Here are just a few new and innovative products to keep in mind while you plan:

HEAT-SENSITIVE AND SOLAR POWER PAINTS

KEEP IT GREEN WITH LOW- OR NO-VOC PAINT Today’s biggest trend is the increased availability of low- or no-VOC (volatile organic compounds) paint choices. Just about every major paint manufacturer has at least one line now. These paints protect consumers from a number of health issues associated with VOCs, and contributes to improved indoor environmental quality, which is one key goal of the green building and remodeling movement.

Paint that detects and reacts to changes in temperature has been around for a while, but interest in its varied applications is growing. This paint may be used in color-changing interior wall designs, where one or more elements of the motif appear or disappear according to the temperature in the room, or applied on kitchen or bathroom surfaces as a temperature gauge. The paint is also being tested to determine whether it can be used to improve energy efficiency as well – absorbing heat during winter and deflecting sunlight in warm weather. Other companies are researching new technology that harnesses nanoparticles that absorb light, which may one day enable consumers to very cheaply generate solar energy for their homes.

PAINT THAT STAYS DURABLE AND CLEAN

PAINT THAT LIGHTS UP A ROOM - LITERALLY

Driven by consumer demand, manufacturers of interior and exterior paints have developed paints that are easy to apply, durable and cinch to clean. One uses ceramic technology – an infusion of ceramic microspheres into a high-quality acrylic resin – to create a paint extremely resistant to stains and scuffs, and washes well without damage to quality or appearance over time.

Researchers recently developed and patented a new type of paint that will one day enable home owners to paint lights onto walls and other parts of the home. This new electroluminescent coating technology turns commonly used metal, plastic and wood surfaces into lamps when the paint is energized with an electrical current. One future use of the product could come in handy for those interested in universal design: a painted white hand rail that illuminates at night, lighting your way in the dark.

USER-FRIENDLY CONTAINERS Although they have not gained significant popularity due to the cost of production, plastic paint containers that feature twist-off lids, side handles, and easy-pour spouts give consumers a more convenient and less messy way to get the job done. These containers are usually pretty lightweight and easier to store than typical steel paint cans.

WATERPROOF PAINT In the future, waterproofing your basement may be as simple as a few strokes of paint. These products are still in their infancy and many are unavailable to consumers. Products that are available now can create a waterproof barrier on most concrete and masonry surfaces, but most are only water-resistant, not entirely water-

WHITEBOARD PAINT Whiteboard paint entered the scene a little over 10 years ago, but is still relatively new to consumers. Several manufacturers now produce a unique wall coating that turns any flat surface into an erasable whiteboard. It’s an inexpensive way to draw out the artist in the whole family, and a great feature to include in children’s playrooms, offices and kitchens. Paint has come a long way over the years. It can be used to simply spruce up your home with a touch of color or you can take it to the next level, using it to create savvy, green and cost-effective design elements throughout your home. The choice is up to you. v

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How To

Design Your Own Floorplan Home has a unique meaning for each of us. In planning

your new home, you need to analyze the needs of your household, considering work, school, hobbies, entertaining, and holidays. What lifestyle changes do you expect in the next 5 to 10 years? Identify characteristics you equate with quality. Consider aesthetics, function, maintenance, and environmental impact. Compile notes and collect ideas for each area of the home. The list below offers a starting point. Your challenge is to include the features you love, avoid those you dislike, and accomplish all this within your budget. The items on your wish list may have arrived there without regard to cost. During the design process, your budget will guide you in setting priorities and making final decisions. Your home may not have all of the items listed, and it may have items not on the list. Get Started and Have FUN!!!

EXTERIOR ELEVATIONS __ Cape Cod __ Colonial __ Contemporary __ Southwest __ Traditional __ Tudor ENTRY • Porch • Foyer __ Single or two-story __ Separate entrances • Door __ Single or double __ Sidelights __ Transom __ Wood, fiberglass, metal __ Glass Inserts • Stair Configuration __ Straight __ Curved __ T-shaped __ L-shaped __ U-shaped ROOMS AND ROOM SIZES • Living room • Great room

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• Kitchen __ Snack Bar __ Island __ Pantry __ Desk • Nook • Formal dining room • Butler’s pantry • Family room __ Media pre-wire __ Fireplace or wood-burning stove • Master bedroom __ Main floor master __ Sitting area __ Fireplace __ Breakfast bar __ Dressing room • Number of secondary BRs • Number of bathrooms • Library • Den • Home office • Guest room • Sunroom • Laundry room • Mudroom • Closets

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• Garage __ 2- or 3-car __ Side entry __ Extra storage __ Insulation and finish • Basement __ Height __ Insulation __ Plumbing for future bath __ Phone and electrical for future use DESIGN DETAILS • Ceilings __ Height __ Vaulted __ Coffered __ Flat • Windows __ Single hung __ Double hung __ Slider __ Casement __ Wood __ Vinyl __ Single, double, triple glass __ Skylights • Drywall finish __ Flat or textured __ Square or rounded corners • Interior trim (paint or stain?) __ Cased entryways __ Cased windows __ Crown mold __ Chair rail __ Picture panels __ Plate rail __ Built-ins __ Door style • Wall Finish __ Paint __ Faux __ Wallpaper __ Wallpaper borders • Countertops __ Laminate __ Tile __ Marble or manmade marble __ Granite __ Edge detail __ Tile backsplash • Cabinets __ Wood or laminate __ Knobs & drawer pulls

__ Glass doors __ Roll out shelves __ European (concealed) hinges __ Recycling bins • Floor Coverings __ Carpet (plush, Berber, sculptured; wool, nylon, acrylic; pad) __ Hardwood or laminate (strip, plank, parquet) __ Tile, slate, brick __ Resilient (sheet or squares) • Lighting __ Fixtures __ Indirect lighting __ Work area lighting __ Display lighting __ Landscape lighting • Plumbing fixtures __ Faucets __ Spa or whirlpool __ Sinks and tubs APPLIANCES __ Range, cooktop, grill __ Oven __ Microwave __ Dishwasher __ Disposal __ Compactor __ Instant hot water __ Water filter __ Refrigerator __ Freezer __ Washer-dryer MECHANICAL SYSTEMS • Heat source __ Gas forced air furnace __ Heat pump __ Hot water heat __ Radiant heat __ Air-conditioning __ Whole-house fan __ Air cleaner __ Humidifier __ Water heater __ Recirculating pump __ Electrical, phone and cable service __ Intercom and/or security system __ Wall vacuum

INLINE

Inline Lighting Showroom Showroom Hours 8:00-5:00 Monday-Friday Open until 6:00 on Thursday 9:00-2:00 on Saturday

2880 Bob Wallace Avenue www.InlineLighting.com Huntsville, AL 35805

256-533-2021

Our Forecast Comfy to Cozy

Family Owned Since 1992 We Feature Lennox Equipment

Offering a Complete Range Of Products in Application, Size, & Energy Efficiency Ratings.

AL License #83073

Air Conditioners Heat Pumps Furnaces Packaged Units Solar Units

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Legrand Adome Under-Cabinet System

Lighting for Life Lighting trends are forever changing. Like jewelry – there are seasons for trends, and the ones that are timeless pieces that we will always love. Lighting is a way to show your sense of style. In the past several years the focus has been on being more efficient. We have seen those changes evolve in the bulbs we now can choose from; LED, CFLs, and Halogen as opposed to the standard incandescent light bulb we were all accustomed to. Manufacturers have also put an emphasis on lighting that is more task oriented. Are you in the market for some simple and efficient under cabinet task lighting? Maxcor is a perfect solution. This LED under cabinet light is not only economical, but is environmentally friendly and long lasting- up to 50,000 hours. That’s 10 times longer than halogen lighting. Their cool operating temperature eliminates extraneous heat on the counter tops and cabinets. Plus they provide a nice, beauty enhanced light, in a warm and natural (2700 K) color. These lights come in four different finishes: Black, Nickel, Oil-Rubbed Bronze and White. They are also easy to install, with lengths ranging from 8 to 40 inches.

Hinkley: Gatsby Collection (top left), Hinkley: Fulton Collection (right), Captial: Ellis Collection (bottom left)

If that pile of devices and chargers on your kitchen cabinet makes you want to scream, take a look at Legrand Adorne’s under cabinet lighting system. This multi-purpose system allows you to have every outlet out of site, so that backsplash you wanted as a focal point can be just that. The Legrand Adorne Under-Cabinet Lighting System brings an array of modular components that swap out so easily, you’ll want to reconfigure whenever the mood strikes. From speakers and smart phone docks to lighting and outlets, there’s a world of possibilities to choose from with these high-tech, highly convenient building blocks. Fixtures this year are as unique as ever. The nostalgic lamp and fixtures in the retro industrial style are very in. Clear or mercury glass fixtures that expose the light bulb are very trendy with more choices in light bulb shape and filament. Lighting fixture finishes glimmer brightly in polished nickel and chrome and become more refined and understated in a softened brushed elegant return to brass. Industrial steel and galvanized metal add a different interest. Sparkling brilliance in crystal stands out in new more modern styling. Many of the new fixtures are incorporating geometric designs and patterns, such as spheres, cubes, and quatrefoils. v

Savoy: Windsung Collection (top right), Quorum: Electra (left), Capital: Axis (bottom right)

Questions about this article or the products mentioned? Please come see us at Inline Lighting!

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