Guide

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Why Should You Carefully Consider Your Spec Construction Loans Lender

If you are not putting in the time to carefully choose between one construction spec loans lender and another, then you are definitely in the minority. Many business owners will select a lending institution based on a commercial or advertisement, not the way you should be conducting your business if you want increase your bottom line.

Carefully consider these practices of most legitimate spec construction loans lenders:

* One of the things to consider when you are dealing with a construction spec loans lender is making certain there is only one loan originator. The reason being is that as this relationship develops over time, you want someone who understands your needs and how your business is run. This mans as you do more business, they will be in the best position to speed up the process each time so that your time can be spent on growing your business and not filling out loan applications and sitting at closings.

* The best construction spec loans lender is going to want to help you get back to your business in as many ways as possible. This includes being in the position to line up multiple closings in a row so that you are not burdened with having to come back to the closings week after week. If you buy multiple lots on one property, it makes sense to close on them all the same day and not weeks apart.

* The best construction spec loans lender will not be making use of any third-party underwriters. What that means is that you are will not have to deal with a closing that drags on endlessly because the underwriter has other things on their plate from other lenders. It is best the underwriting team does all the work at the same agency.

* The construction spec loans lender needs to be upfront with everything from costs to time frames. The more reliable agencies should be able to get you to closing within 30 days of the final contracts getting on their desk. Time is certainly money in this business, so make sure you are working with a lender who values your time.

Your construction spec loans lender must be more concerned about you and your business then them making a profit off you. Just remember that early in the game you have the upper hand, so choose carefully and side with an agency that will always have your best interests at heart. For more info visit: ConstructionSpecLoans.com

 

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How To Reduce the Need for HVAC Repairs Around the House

AC repairs Myrtle BeachIf you are not maintaining the heating and cooling system in your home, you are going to be surprised at the costs involved to make the system efficient again. The best thing you can do is regular maintenance to reduce the need for emergency repairs, and the following tips from the top Myrtle Beach AC repair company Air Mechanical of Myrtle Beach SC, will go a long way in helping to reduce those costs while allowing the heating and cooling system to run efficiently.

Starting with the air handler that runs the heating and cooling system, check the air filter to make sure that it is clean. Once a month you need to remove the air filter from the air handler, inspect it, clean it, and either return it or replace it. If the filter is clean, do this check monthly and replace the filter after three months regardless how clean it appears.

While at the air handler, place both of you hands along the seams of the casing, and while the system is running, see if you can feel any treated air escaping from the unit. If yea, simply run a piece of duct tape along that seam to keep it inside the unit. That will reduce you paying fro treated air that is not getting inside the house. This will also help to reduce the wear on the heating and cooling system.

Take a look at the fan unit outside the house, there must be adequate clearance around the unit so the air can easily move through. Look inside the unit and see if things like leaves, twigs, or debris are blocking the flow of air or obstructing the movement of the fan blades. Turn off the unit, open the grill over the fan, and clean out the inside so nothing can reduce the flow of the fan and cause the unit to work harder.

Inside the house, be sure all the air vents are open, even in rooms you are not using. The misconception going around is you can safe energy closing the vents in rooms not being used. What is actually happening is that air is trapped, so the air handler begins working harder and longer to try and move the air past the obstruction. That waster of energy could cause the air handler and the heating and cooling system to wear out faster.

By taking a proactive approach to heating and cooling system maintenance, you will avoid paying huge invoices to have the unit repaired all year long.

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4 Reasons to Hire a Professional Divorce Attorney in Greensboro NC

When it comes to family law, you want to be working with a skilled attorney who understands how to handle the complexities of these cases while being able to deal with the highly emotional situations that are going to arise. In the blink of an eye, tensions between two parties can erupt to the point that things are done and said that will complicate matters further. Lawsmith.net has provided us with 4 points when deciding on Divorce Attorneys in Greensboro NC.

Divorce Attorneys in Greensboro NC1. When things get heated between the parties, you need a go-between who will be in the best position to calm hostilities and to communicate messages without making things worse. Many times, the family law attorney can reduce those tense moments and help to bring the matters to a close faster. If something is said that is out of line in the heat of an argument, it could come back and severely impact the case.

2. Your family law attorney has no emotional connection to the case, so they are not going to do things on impulse that may complicate matters. Your attorney sees the finish line already, and they will help you to navigate those difficult waters ahead and keep you from saying or doing anything that could come back to negatively impact your case towards the end.

3. When it comes to dealing with children and divorce, this is a very touchy subject because the kids tend to think that they are at fault for the problems with their parents. Then you have matters where parents are forced into meetings with the kids, and heating confrontations lead to words that can not be taken back after the fact. Your attorney will shield the kids from all these heated arguments, making sure the proceeding move along as swiftly as possible without major incidents.

4. Your attorney has been practicing family law for many years, and in that time they have developed a good understanding of how the courts work and how to prepare and present the case in a way that is quickly moves through the courts. In many family law cases, when the sides are unprepared to bargain, they drag on for many years, reducing the chance for both sides to heal and move on. Your family law attorney knows the shortest distance between two pints and will work tirelessly so that you can close the chapter on this book and get on with your new life as soon as possible.

Here are four reasons you must be working with a skilled family law attorney who can help get the desired resolution in a timely manner.

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Taking Great Photos While Out on the Boat

Boats for SaleWith all the different things a phone can do, there is still something magical about pictures from a trip. But taking photos is not as simple as clicking the shutter anymore. There are many things to consider when taking photographs, especially when you are out on the boat. This is even more true if there are many people involved like the whole family, not to mention little children who are just so hard to capture on film.

Below are some tips from Boatmo.com to help you produce great photos during your family boating vacation or day trip out on the seas.

1. Check the Lighting – The light is very important in producing great photos. Too much light overhead can cast a shadow on your subject and make the photo too dark. Light can also result to overexposure where the colors appear white and washed out like when you have washed a favorite t-shirt over and over again and the colors faded.

2. Check your Battery – Nothing can be more frustrating than finding out that you don’t have any more battery or memory right in the middle of your boating trip. So avoid the frustration and the stress of it all, bring with you enough batteries and memory sticks to last you a year! You’ll never know just how many photographs you will need to take. If you can bring a charger, all the more better. You can just plug it to a portable power source if it runs low.

3. Look for the Unusual – One of the simple rules in photography is to find something unique in the environment or in the sight and take a photo of it. This will make the photo more interesting and will also be a conversation starter in reunions. Make sure though that you know what you are taking photographs of. Bring a notebook with you so that you can record everything that you have seen and took picture of. Photos do not just stop with clicking the camera, it also involves getting to know the story behind the place or the sight and knowing what it is called.

4. Take Photos of People – Nothing makes a photo more interesting than putting people alongside the sights. Besides this is your purpose when you brought your camera, record your family’s experience during a sailing vacation through a photographs. The key here is take as many pictures as possible even if the subjects are not ready. Those candid shots sometimes wind up being the best.

Benefits of Buying a House on a Golf Course

If you’re a golfer, you know there’s no better time to golf than when you’re on vacation. Maybe you’re just passing through, or maybe you’re looking for permanent golf property. Whatever your needs, there’s sure to be a perfect golf course for you. RebatesOnRealestate.com gives some new insight on the how-to’s of this type property. Visit them to discover how to qualify for a new home rebate in your market.

New Home RebatesOn vacation you fall in love with the area, then think this would be a great place to own a home. The natural beauty of the area, coupled with the warm, sunny weather, make this a great location to enjoy a great game of golf. With all the choices of accommodations available, you might find it prudent to purchase real estate or simply rent a hotel room close to the golf course of your choice.

When searching for golf property while on your vacation, consider places like Costa del Sol. This area on the eastern coast of Spain, on the Mediterranean Sea, is home to a number of luxurious golf clubs. The fabulous weather and gorgeous environment make for an enjoyable vacation.

The internet has opened a whole new world to the vacation shopper. You search properties when you have the time, then compare those accommodations based on your specific needs. Not only will the internet save you the time you’d spend calling around to different hotels, or working with a travel agent, but it might also save you money. You can find great golf packages online. Golf packages generally include airfare, hotel accommodations, rental car and green fees for at least one game of golf.

You might even benefit from booking close to the time of your vacation. If properties have rooms available, often times they discount them at the last minute. You can browse, choose a vacation, pay for your trip, and even print documents without leaving home. If you buy, you know now you have a place to stay on your next golfing trip.

Golf resorts usually offer first-class accommodations to people who live on the property, indulgent amenities and exciting nightlife. So after spending the day on the links, you can return to your resort and enjoy a massage or a body treatment, before heading out to dinner or dancing.

If you are interested in visiting a resort for golfing, it might make more sense financially to buy a property rather than rent. You not only will enjoy the pride in ownership, you enjoy the comfort of being in a place that is warm, with a sunny climate, while enjoying the exciting nightlife that comes with upscale golf courses.

Home Financing – Important Questions to Ask Your Lender

Home financing has exploded in recent years, and with that comes a new degree of complications. There are at least a hundred ways to borrow the money for your next home now. There are several ways for lenders to take advantage of you if you are not doing your due diligence, from hidden charges to all types of prepayment penalties.

Charleston Homes for SaleLet your lender explain all the various home loans and home finance options available. However, when you finally decide on a product you like, ask as many of the following as are relevant to your loan. Premier One says these are the questions that will protect you when buying that Charleston homes for sale.

Home Finance – Questions For The Lender

– What is the interest rate today, how often is it updated, and when it is locked in?

– What is the APR (annual percentage rate; includes fees, points and mortgage insurance)?

– What is the initial rate (if it is an ARM – adjustable rate mortgage)?

– What is the highest the rate can go to next year (ARM)?

– What are the annual and lifetime caps on the interest rate and payment (ARM)?

– How often is the rate or payment adjusted, and when (ARM)?

– What index is the rate based on (ARM)?

– What margin is added to the index (ARM – it might be the index plus 3%, for example)?

– Is credit life insurance required (this pays off the loan if you die)?

– Is there a chance the fees or costs be waived?

– Are there prepayment penalties?

– How long will the penalty in force?

– What inspections are required, are surveys necessary?

– Is the title search or title insurance required, what will be the cost?

– Is it possible to get all this in writing so I can shop around before I decide?

– Could I get an estimate of all the prepaid amounts that I’m paying at closing?

– Are there “points,” and what will these cost (discount points to reduce interest rate)?

– What state taxes, local taxes, stamp taxes and transfer taxes will I have to pay?

– Will a flood determination be required (to see if the home needs flood insurance)?

– What other costs will there be?

– Is there anything else I should know?

Lenders may not like getting a few dozen financing questions thrown at them, but you have a right to ask before you agree to a loan. Did you know that a 1.5% higher interest rate on a $250,000 loan can cost you an extra $50,000 over the years? Home financing can be as important as getting a good price when it comes to saving money on your home.

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