2017 El Paseo de Casas

Featuring

es •Carefree Hom es •Diamond Hom s •Loyalty Home •Metro Homes s •Pointe Home es •Pacifica Hom es •Rassette Hom

Welcome!

Celebrating El Paso Style!

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Bienvenidos!

elcome to our first affordable home showcase, el Paseo de Casas, presented by Franklin Building Materials and brought to you by the El Paso Association of Builders.

Our goal is to bring you some beautiful homes that a workforce can afford to buy. This area of Horizon Hills Estates is one of the busiest in the area as people like you search for good value for your money. These homes will welcome families who are either first time buyers or moving up from a used home or apartment.

The homes you’ll see are built by members of the El Paso Association of Builders, businesses that believe in the industry they work in. These builders are interested in education and training to make themselves better builders; they contribute to the job growth in the area, and construct some of the most energy efficient homes ever built.

Enjoy your time with these builders and their teams as they welcome you to the 2017 el Paseo de Casas, affordable El Paso style living!

-Don Rassette, President El Paso Association of Builders

Special thanks to our partners who believe in supporting our area businesses with FREE ADMISSION TO: First responders: Loyalty Homes

Medical/hospital employees: GECU and GECU Mortgage

Educators/administrative school employees: WestStar Home Loans Military/Guard/active and retired: Builders Source Appliance Source

When you visit one of these partners tell them you appreciate the admission.* *admission is with proper ID and limited to one per ID.

Notice: el Paseo de Casas may close or not open due to inclement weather without prior notice.

El Paso Associaiton of Builders 6046 Surety Drive El Paso,TX 79905 915-778-5387 www.elpasobuilders.com

The Rules of Home Affordability Mortgage lenders use something called qualification ratios to determine how much they will lend to a borrower. Although each lender uses slightly different ratios, most are within the same range. Some lenders will lend a bit more, some a bit less. We have taken average qualification ratios to come up with our three rules of home affordability.

Your Maximum Mortgage Payment (Rule of 28): The golden rule in determining how much home you can afford is that your monthly mortgage payment should not exceed 28 percent of your gross monthly income (your income before taxes are taken out). For example, if you and your spouse have a combined annual income of $80,000, your mortgage payment should not exceed $1,866.

Your Maximum Total Housing Payment (Rule of 32): The next rule stipulates that your total housing payments (including the mortgage, homeowner’s insurance and private mortgage insurance (PMI), association fees and property taxes) should not exceed 32 percent of your gross monthly income. That means for the same couple, their total monthly housing payment cannot be more than $2,133 per month.

Insurance developed for builders.

Developed for builders with the backing of the strongest insurance carriers serving the Texas building industry, our insurance program offers flexible coverage options and rates that are more competitive than ever. As an authorized member of Builder Agent Network©, we’re dedicated to providing builders and contractors with the best-in-class insurance programs, pricing, underwriting, resources and service.

Product Portfolio Highlights

Your Maximum Monthly Debt Payments (Rule of 40): Finally, your total debt payments, including your housing payment, your auto loan or student loan payments, and minimum credit card payments, should not exceed 40 percent of your gross monthly income. In the above example, if the couple with $80k income wanted the highest mortgage payment they could get, they could have up to $533 per month in other debt (car payments or credit cards).

t “A” rated carriers, several available t (- PêFSJOH Doverage for property damage that results from faulty, defective, or poor workmanship in your work. t (- -JNJUT PG VQ UP . . . Bvailable t Expanded policy form for commercial projects t Builder’s Risk master policies, monthly reporting, annual and one shots t Workers’ Comp - Two highly cost-effective programs t ExDFTT -JBCJMJUZ GPS $PNNFrcial (eneral Contractors t $PNNFrcial Umbrella El Paso, Permian Basin and Surrounding Area HUB International Insurance Services -VJT 3PTBT 915-206-6047 www.hubinternational.com

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This rule means that if you have a big car payment or a lot of credit card debt, you won’t be able to afford as much in mortgage payments. In many cases, banks won’t approve a mortgage until you reduce or eliminate some or all other debt.

FIXED RATE 15 YEAR

COMMERCIAL REAL ESTATE LOAN PURCHASE OR REFINANCE

COMMITTED TO HELPING YOUR

RATES AS LOW AS

%

BUSINESS GROW 5.00

6068 Gateway East El Paso, TX 79905

Kathleen Carrillo www.pioneerbnk.com

915.782.2420

Interest rate will be determined by credit worthiness. Any individual or entity with ownership of 25% or more will be required to guaranty the line. Lowest credit score of guarantors will determine interest rate. Rate is valid beginning 8/1/2017. Opening fee of $775. Applicant authorizes Pioneer Bank to obtain an investigative or consumer report from a credit bureau or a credit agency and to investigate the references given on any other statement or data obtained from applicant. The sole purpose of the information we request is for verification of eligibility, criminal background and fraudulent activity. Loan to Value (LTV) based on the lesser of cost to build, if new, purchase price or appraised value. Rates may vary based on competition within an indivudual market. Loan is only availabl as a 1st lien position. Normal financial documentation and underwriting guideliines apply according to the Commercial Loan Policy. Pre-payment penalty applies from 2-3 years. Loan is available for owner-occupied and non-owner-occupied.

Use a preferred lender with the purchase of your new Carefree Home and receive your choice of one of these new home rewards:

✔ Epoxy Garage Floor (per plan) ✔ Stainless Steel Appliance Upgrade ✔ 2” Faux Wood Blinds (major windows, per plan) ✔ Tile Back Patio (standard tile & design, per plan) ✔ Internal mini-blinds at atrium door (per plan) ✔ Insulated Garage (per plan) See a CareFree Homes Sales Associate for details. Offer valid July 1st thru September 30th. Some items only available on pre-sale homes. Offer valid only with preferred lenders.

MORE COMMUNITIES. MORE CHOICES.

VISIT CAREFREEHOMESTEXAS.COM FOR COMMUNITY INFORMATION

915.590.8511 • MODEL CENTER HOURS: SAT-THUR, 10AM-7PM | FRI, 1PM-7PM | SUN, 12PM - 7PM In a continuing effort to improve our product, CareFree Homes reserves the right to make changes or modifications to floor plans, specifications, materials, features and colors without notice. Window styles, availability, sizes and locations as well as ceiling heights and vaults and livable square footage will vary with choice of exterior elevations. All floor plans and lot square footages are approximate only. Total plan square footage calculations are from the outside of exterior walls and include interior partition walls. Optional features may be included at additional costs and are subject to construction cutoff dates. Lot premiums and HOA fees may apply. All maps, plans, landscaping and elevation renderings are artists’ conceptions. Exterior stone is optional. This presentation constitutes intellectual property of CareFree Homes. Any copying, reproduction or use of this information without the written authorization of CareFree Homes is strictly prohibited. Prices and promotions are subject to change without notice. Consult a Sales Associate for additional information.

7.1.17

Savings, ideas and more to help make your painting project perfect!

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We salute all first responders.

The El Paso Association of Builders and Loyalty Homes welcomes all ďŹ rst responders as our special guests at el Paseo de Casas.

Your dedication and service have made El Paso a wonderful and safe place to call home and we thank you.

Gracias!

CRAFT & IMAGINATION ARE EVERY THING ARE EVERY THING

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LOYA LT Y H O M E S . CO M

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VOL. 5 NO. 3 SUMM ER

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550 South Mesa Hills Dr. Ste. D-1, El Paso, Texas 79912

sucasamagazine.com

With many years of experience in the mortgage banking industry, and extensive practice in originating home loans for both purchase and refinance, I am a firm believer in excellent customer service and offering the most competitive pricing.

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915.540.5664 Tania.Guzman@nafinc.com www.newamericanagent.com/TaniaGuzman

Visit Our Local Branch at 444 Executive Center Blvd., Suite 100, El Paso, TX 79902

Texas licensed location: 6504 International Pkwy, Suite 1300, Plano, TX 75093, NMLS ID#6606. Corporate Office is located at 14511 Myford Road, Suite 100, Tustin CA 92780. Phone (800) 450-2010. 08/2017.

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We salute all healthcare workers.

The El Paso Association of Builders and GECU welcomes all healthcare workers as our special guests at el Paseo de Casas.

Your dedication and service caring for our citizens help to make El Paso a brighter place and we thank you.

Gracias!

Buying your new home is a dream come true and the begining of a new stage in life.

We can help you through each stage, making sure that the things that are most valued to you, stay that way. Valued.

Put our 25 years of experience to work for you. Call us today to talk about your insurance needs.

(915) 542-0900 (888) 269-0626 Hablamos EspaĂąol

11240 Vista del Sol, El Paso Texas 79936

NO Credit/ BAD Credit SEMI-CUSTOM and Custom Floor Plans Available LOTS throughout El Paso

CALL US TODAY 915-740-9399 www.pacificahomesjj.com

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6,(55$ 7,7/( “For Your Real Estate Closings, Insist on Sierra.”

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Alameda Fee Office

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Zaragoza Fee Office

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8732 Alameda El Paso, TX 79907 (915) 858-0665

661 S. Mesa Hills, Suite 100 El Paso, TX 79912 (915) 533-4511

2077 N Zaragoza Ste. 204 El Paso, TX 79938 (915) 213-0785

4115 Trowbridge El Paso, TX 79903 (915) 566-2666

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We salute all teachers & school employees

The El Paso Association of Builders and WestStar Home Loans welcomes all teachers and school employeess as our special guests at el Paseo de Casas.

Your dedication and service educating our future generations make El Paso a better place and we thank you.

Gracias!

We are honored to welcome all first responders to El Paseo de Casas 2017

DESIGNED FOR LIFE

LOYA LT Y H O M E S . CO M

THE RIGHT BANK CAN GET YOU THERE FASTER. Choose the right lending partner to ensure a smooth and timely home loan process.

(915) 594-3404

Call Natalia Ojeda to simplify your home loan process.

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We salute all active & retired military

The El Paso Association of Builders and Builders Source Appliance Gallery welcomes all active duty and retired military as our special guests at el Paseo de Casas.

Your dedication and service to our country make America great and we thank you.

Gracias!

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WELCOMETO YOUR

NEW HOME!

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Homes starting from: $130,000

You’re invited!

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