Building Houses and Fulfilling Dreams

Building a home is an arduous task for any living creature, from weaver bird to man! The amount of industry and thoughtfulness that goes into it is a great tribute to the concept of family and its inestimable value! A weaver bird will painstakingly weave threads of dry grass into a compact, well planned little home hanging from a tree branch, strong enough to withstand the weight of chicks and parent birds. Man’s dwellings have evolved from mud and straw single room huts to sprawling homes or apartments, built of concrete, and embellished with glass and other decorative building material, designed to withstand the elements.

The evolution of gardens

In the building, there is the house itself and designing the surrounding garden area including landscaping. Gardens came into being in the beginning with the enclosure of space, possibly to keep out marauding animals. When the first civilizations began, gardens began to be aesthetically maintained. 16th century BC tomb paintings of Egypt display lotus ponds flanked by symmetrical rows of acacia and date palms. Gardens developed as the interest in botany grew.

What are the professional services available for today’s gardens?

Interlocking paving stones – these are decorative paving stones laid on outside spaces for a neat look. They have an interlocking feature because of which they don’t get dislodged easily. Yet it is easy to remove them should the need arise. They are laid on a layer of bedding sand. Trenches dug at the borders are filled with concrete to keep the paver blocks in place.

Landscaping – which is modifying the existing features of an area which includes flora and fauna which are artfully chosen and made to grow in a way to create a beautiful environment.

Some tips on landscaping:

· Install an irrigation system that will be convenient. A drip irrigation system with a timer will do the job.

· Use mulch. It is good for the soil, and decorative as it helps the plants to stand out.

· Use good quality soil – the plants require good soil for the roots to take hold

· Arrange the plants in groups of three or five – this makes it look fuller. A good idea would be to include flowers that bloom in different seasons in one group.

· Keep it colorful – all through the year

· Make sure there is proper drainage, especially if the soil is clayey

· Make note of the sunlight hitting the space. It should not be too much to kill the plants, or too little that the plants do not grow. Or choose the plants accordingly. Bougainvillea is a plant that thrives in bright hot sunlight.

· Be sure of your budget and how much you will be able to do to maintain it. Don’t take on more than you can manage.

Professional cleaning services like pressure washing and sealing services

Concrete Services – professionals perform any concrete material work, like steps and paving

Demolition services – part of their repertoire is the removal of unwanted structures and disposal of debris. With suitable machinery, they can demolish even the most stubborn structures.

Build The Home of Your Dreams With a Construction Loan

With the current economy trend setting low real-estate prices, many assume that buying a used home is worth every dollar they fork out. Others engage in apartment loans, thinking of it as hitting two birds in one stone: having your own home while gaining some extra cash through rental income. While these are all very good strategies, some families opt to get a construction loan and build the home of their dreams.

Although it might sound difficult, building your dream home is possible, provided you understand how a construction loan works. Presently, the construction-to-permanent loan remains the most popular option. This loan encompasses full lot and construction coverage, and even converts to a mortgage the moment your dream house has been established. Once you’ve laid down the down payment, all you have to do is make interest-only payments at a fixed interest rate. And after the construction has finished, the loan will be transformed into either a 15-year or 30-year fixed rate mortgage.

Certain banks will dish out interest reserve accounts that allow you to make interest-free payments throughout the construction process. The bank will calculate the amount of interest-only payments and add the total amount to the overall loan. Funds will be deposited into a different account, which makes this ideal if you currently have pre-existing mortgage or rent payments on your plate. The licensed contractor you’ve hired will then mete out a ‘release schedule’ that details the monthly construction schedule with the necessary funding in tow.

Once you have determined that one of these new home construction loans suits your tastes, then there are five quick steps to set you off on the right track:

1. Know your Affordability Limits

You need to determine how much of the total loan you can afford by using an online loan calculator. Remember that you need at least 20% of down payment to avoid PMI payments.

2. Find Lenders

Compare the current loan rates from online lenders and local banks. Ask a reputable building contractor for past lenders they’ve worked with, and attain their contact information.

3. Attain Pre-Approval

Skim through the pre-approval process of each selected bank. Outline the closing costs and estimated tax rates. Ask for a copy of a pre-approval letter.

4. Find a Contractor

Settle on a reputable contractor that is licensed, insured and has experience in constructing new houses. Figure out a budget plan, building cost and architectural schematics to get your house project underway.

5. Select the Land Piece

Hire a reputable realtor to identify a suitable piece of land in line with your budget. Verify any attainable building permits from your local municipality, and make sure a septic and water system is readily available.

Once you have all these five steps pegged down, you’re all set to building that dream house of yours!