Elizabeth Razzi, a writer for the Washington Post Real Estate section, wrote on October 19, 2008:
“There will be some attractive federal tax credits …. you can research them at www.Energystar.gov ”
Here is a partial list from her article:
for qualifying exterior doors, storm doors, metal roofs, insulation the tax credit will be 10% of the cost, up to a $500 credit
Windows, skylights, storm windows will qualify for 10% of the cost, with a credit capped at $200
Central AC and heat pumps will qualify for $300 credits
Top efficiency furnaces or boilers that go beyond the government’s Energy Star standard will qualify for a $150 tax credit. Some super efficient tankless or electric heat pump water heaters will qualify for a $300 credit
for solar water heaters (except those used for swimming pools) homeowners can get a tax credit covering 30% of the cost, up to $2000
Leave me a comment and let me know what you think.
* More money to work with. The amount you can borrow is based on the expected increased value of your home, after improvements are made.
* Less Strain on Your Budget. You can pay for your renovation gradually and affordably, over the loan term of your mortgage.
* Less to Pay at Tax Time. Unlike other credit options, the interest you pay on funds used for a renovation may be tax deductible.
* Less Hassle. You’ll have one loan to apply for, one set of fees, one closing to attend, and one monthly payment to make.
Is Renovation Financing for You?
It is, if you have any plans for minor or major renovations to your home in the next six to 24 months. If you’re buying a house today and considering some home improvements next year, you may find it’s cheaper and easier to have the renovations done now with your financing for the purchase and the renovation all handled in one transaction.
All Kinds of Needs Covered
You should be able to finance any kind of improvement or repair to eligible properties.
Prefab panels for homes are quickly becoming a popular choice among today’s homeowners, as they offer numerous advantages over traditional panelized construction methods. Prefabricated wall and roof panels provide an efficient way to create energy-efficient homes that are also affordable, durable, and aesthetically pleasing. Furthermore, prefab home panels can help reduce the environmental impact of homebuilding by reducing waste and using materials more efficiently. In this article, we will explore some of the key benefits of using prefab panels for your home building project.
Home Building Using Prefab Panels in Bethesda, MD
Prefab Panels for Homes in Bethesda, MD
Prefab wall panels are a type of building component that is built in a factory and then shipped to the job site. They are available in a variety of shapes and sizes.
They offer several benefits to homeowners and construction professionals alike. Here are just a few of the main ones.
1. Saves Time
One of the perks of building your own home is having a say in how it’s designed and built. You can control the process from concept to completion, including design elements like floor plans and lighting. For instance, you can select a color scheme and a material type that best suits your lifestyle. The result is a home that is unique and livable. It’s also environmentally friendly and low maintenance.
There are many prefab companies in Bethesda MD, so you can be sure to find the best fit for you. It’s also important to choose a company that’s well-established in your market. For example, modular housing companies that have been around for a few decades are likely to offer the best quality products. Choosing the right one will help ensure that you get the house of your dreams, on time and budget. You can be confident that you’ll be proud of your new home for years to come. To learn more about this unique and innovative building method, contact your local agent for a no-obligation quote and more information about the panelized homes in Bethesda, MD.
2. Lowers Costs
Prefab panels are a growing trend in construction, with designers praising the ability to save money while executing a sleek design. It’s also environmentally friendly, with fewer materials to haul and less waste. Prefab buildings have a “cool” factor that can be appealing to many homeowners, according to architect Robert Gurney.
Another big advantage of building a home with prefab panels is that they can be built at the same time as stick-built homes, says Michael Winn of Winn Design + Build in Falls Church, Virginia. He estimates that his company can cut the number of hours it takes to construct a custom home by 15 percent or more, which can add up to big savings over the life of the project.
But the process can be complicated, especially when it comes to finding a site and transporting the house. Transportation rules are often very strict, limiting the size of boxes that can be carried across states and into neighborhoods. In addition, utilities and topography can be issues that require a lot of planning.
In areas of the United States with high demand for homes, such as Washington, D.C., Northern Virginia, and Maryland, a prefab home can be a great investment. In these areas, the average dollar per-square-foot sales price for a prefabricated home can be much higher than the cost to build it.
The break-even point, however, is usually closer to $600 – $630 per square foot. That number varies depending on the neighborhood, but it’s a good place to start.
If you’re interested in learning more about the prefab home market, reach out to a local Bethesda real estate agent today. They’ll be able to help you find a property that meets your specific needs.
If you’re looking to buy a home in the Bethesda area, you can use our interactive map to view the latest Bethesda real estate listings for sale. We have a variety of tools to make your search easier, including filters for price, square feet, beds, and baths to narrow your search. Our team of local experts can also answer your questions about neighborhoods, schools, and the newest Bethesda listings for sale.
3. Environmentally Friendly
The Washington, DC metro area leads the way in terms of green home building and many residential construction companies are working hard to be as sustainable as possible. This is why many people in the area are choosing to build their homes using prefab panels.
The benefits of this type of construction are numerous and include a reduction in the amount of waste created during construction as well as less energy use because they are manufactured off-site. Additionally, they can be much cheaper to build compared to traditional, site-built homes which can make them an excellent choice for homeowners.
Another benefit of a Prefab Paneled Home is that it allows for an increase in the amount of insulation used. The insulation is often a mixture of insulated foam and structural insulating panels (SIPs) which allow the home to be built quickly and efficiently while also ensuring that the energy costs are significantly lower than with traditional, site-built homes.
These homes are becoming more popular for many reasons including their efficiency and a decrease in the number of materials needed to construct them. The biggest draw is that they can be completed in a shorter amount of time than traditional, site-built homes which results in less money being spent on labor and materials.
When looking at the cost of a prefab home it is important to consider the location of where you want to live. This will help you determine whether or not it is worth the extra money to purchase a prefab home.
Some neighborhoods are more expensive than others in the Washington, D.C., and Northern Virginia areas to build a home. This will make it even more important to consider the affordability of a prefab home if you are considering buying one in this part of the country.
The price of a prefab home can vary depending on the size and complexity of the house. However, most prefab homes start at around $600 per square foot and can range up to $630 per sq ft in some cases.
Pollner Residence Using Prefab Panels in Bethesda, MD
4. Easy to Assemble
The best part about building your new home in a factory is that the process is completely hands-off. All of the pieces to your new prefab home are shipped to your new homesite from the manufacturer, where they will be assembled in the most hygienic manner possible.
Unlike traditional site-built homes, which can be a time-consuming, costly process, modular construction uses state-of-the-art manufacturing technology to ensure your new home is built right the first time around. The result is a high-quality home that will stand up to the test of time.
Another advantage to using modular construction is that it allows you to choose the floor plan you want for your new home. Most modern manufacturers offer hundreds of designs to choose from, including floor plans that are tailored to your family’s needs and your lifestyle. You may check here CNN’s post about Prefab designs.
One of the top reasons for choosing a modular home is that they are often more energy efficient than traditional site-built houses. Many manufacturers use energy-efficient insulation in their insulated panels, which reduces the amount of electricity your new home uses and saves you money over the long haul.
5. Customization
Prefab homes are a great way to get a new home with all the amenities without paying a fortune. They’re also an easy way to customize a home for your family’s needs. For example, you can add a garage or extra storage space. You can even make your modular home more energy-efficient by adding a structural insulated panel (SIP) system to the building.
However, there are some obstacles to consider when planning your home. First, you’ll need to find a site that can accommodate the size of the pieces that make up your home. This can be difficult in many locations, particularly neighborhoods with trees and power lines that may block the trucks’ routes to the house. Additionally, state transportation rules may limit the size of the pieces that can be delivered to the site.
Prefab panels offer several advantages for homeowners looking to build their dream homes. From faster construction times, greater cost savings, and improved energy efficiency, these panels represent an ideal solution for those who want to save time and money on the building process. Additionally, with enhanced durability and reduced maintenance costs, it’s easy to see why more people are turning towards this technology as they look to construct their perfect property. Prefabricated panel homes have become increasingly popular in recent years due to all the benefits they bring; if you’re considering buying or building one of your own, make sure you take advantage of reading this post!
No doubt about it, this is a tricky environment for funding a new custom home or major renovation project.
One way to get ahead of the curve is to get a preapproval from a lender. A Preapproval is your lender’s written commitment to finance your home purchase up to a specific amount. Getting preapproved is a smart move for serious homebuyers in this volatile credit environment and it shows sellers that you come to the negotiating table ready to complete the transaction.
Preapproval vs. prequalification
A preapproval indicates that a lender has taken a detailed look into your financial background and has committed to lend you a certain amount of money, pending specific property details. Because preapproval includes a credit check, it’s more powerful than a prequalification letter, which generally only estimates what you can borrow based on information you’ve provided.
What are the advantages of being preapproved?
Preapproval offers a number of advantages over waiting to apply for a mortgage until after you’ve found a home. It lets you:
* Shop for a home with the confidence of knowing exactly how much you can borrow.
* Take advantage of the preference many home sellers have for preapproved buyers.
* Find out about possible qualification problems early in the homebuying process.
* Avoid the hectic rush to find the right mortgage loan at the same time that you’ve found a house.
Who can benefit the most from preapproval?
Preapproval is a great advantage for anyone buying a home in todays environment. A year ago it was especially useful for buyers looking for their first home and those who are self-employed or work on commission. But today, even those buyers that on the surface may seem to be credit worthy – high incomes and great credit scores, may be surprised what lenders are requiring as credit is becoming scarcer.
* First-time homebuyers. Without a record of previous mortgage payments, sellers may see first-time homebuyers as less likely to obtain financing than a similar buyer who’s already demonstrated the ability to meet a monthly mortgage payment. A preapproval helps even the field by showing the seller that a lender has already run the numbers and is willing to proceed with the transaction.
* Self-employed buyers or commissioned employees. Because their incomes may fluctuate more dramatically, self-employed and commissioned buyers often lack the financial documentation of salaried employees, which can send up a red flag to some sellers. Showing that a lender has already considered these factors will help mitigate this risk.
How does the process work?
Before you begin shopping for a home, submit your financial information to us. We’ll review your loan application and then, if you meet the qualification requirements, we’ll provide you with a written preapproval for a certain mortgage amount, down payment, and interest rate, subject to the terms of the commitment letter. The loan commitment letter can be finalized after information about the property, including an appraisal, is submitted.
Thinking of Building or Buying A New Custom Home but not sure what to do in this volatile market? Are you on the sidelines waiting to buy a new home? Why not use this time to get ready. Here are things that you should be doing now to position yourself:
Financial preparation is the first–and perhaps the most important–step in the homebuying process. Get ready for your purchase by taking a careful look at your savings, credit, income, and debt.
Down-payment options
Buying a home doesn’t necessarily mean having to make a large down payment. We provide a variety of loan programs that can help you buy a home using little or no cash.
If you have a down payment goal in mind that you need to save for, you’ll reach it more quickly if you stick to these simple rules:
* Pay yourself first. When you pay your monthly bills, the first check you write should be to your savings or investment account.
* Avoid unnecessary purchases. The less you spend on things that you don’t really need, the sooner you’ll become a homeowner.
* Set realistic goals. Take an objective look at your monthly income and expenses, and decide how much you can really put aside. It defeats the purpose of saving for a home if you fall behind on your other obligations.
Your credit
Responsible credit use is an important part of the mortgage equation, and your lender will take your credit history into account when deciding whether to approve you for a mortgage. If you have a strong credit record, do your best to maintain it until you buy your home. If you’ve had credit problems in the past, the time to reverse that trend is now. Follow these steps to put yourself in the best possible credit standing:
* Check your credit report. Report incorrect or outdated entries on your credit report. Each year, you can get one free credit report from each of the three credit agencies through www.annualcreditreport.com.
* Contact creditors if you have a problem. Many creditors are willing to work with clients to help relieve difficult financial situations. It’s always better to seek help than to let a problem go unchecked.
Income and debt
To determine how much you may be eligible to borrow, we’ll generally compare your income to your outstanding debt. Guidelines vary, depending on your loan program, your credit history, and other compensating factors. It’s best to avoid taking on new debt in the months leading up to your purchase.
But even if your debt expenses are high, you may still be able to get a mortgage. Our financing programs help make homeownership affordable for people from a variety of financial backgrou
Mortgages for New Homes Don’t Have to be so Complicated
Mortgages and the costs associated with mortgages can make your head spin!
Here’s a real basic primer on mortgages that hopefully adds a little clarity.
Although each individual new home financing package has its own variety of features, the concept of a mortgage is really quite simple: a mortgage is a loan made to help you finance a home.
Your lender advances you a certain amount of money, which you repay over a specified period.
Interest Rates, points, and loan fees The total cost of your mortgage is determined by a number of different factors, most notably the interest rate, discount points, and loan fees.
* Interest rate refers to the percentage of your outstanding loan balance that you pay the lender each month as part of the cost of borrowing money.
Your interest rate will be based on the current overall rate environment, as well as your financial profile and the specific features of your loan.
* Discount points allow you to “buy down” your interest rate at closing.
One point equals 1% of your loan amount, and the more points you pay, the lower your interest rate will be, and the less you will have to pay each month.
If you wanted to lower your closing expenses, you could also accept a slightly higher rate and pay no points.
* Loan fees are up-front charges to cover the cost of originating, processing, and closing your loan, among other things.
An origination point is a loan fee that equals 1% of your loan amount.
When considering loan pricing, keep in mind that interest rates, points and fees should be considered together. The interest rate alone only tells part of the story.
The expenses that contribute to the cost of your loan can be expressed as the annual percentage rate (APR).
Your monthly mortgage payment Mortgage payments can generally be divided into four parts: principal, interest, taxes, and insurance. These are often referred to with the acronym PITI.
* Principal refers to the amount of money you borrow to buy a home, and to the outstanding loan balance at any point during the mortgage term.
* Interest is the cost of borrowing money. As noted above, the amount of interest you pay each month is determined by your interest rate.
* Taxes assessed by your local government will likely be collected by your lender as part of your monthly payments, and then paid annually or semi-annually on your behalf. This process is known as an escrow.
* Insurance, like property taxes, is normally collected by the lender in an escrow account.
Insurance offers financial protection, and has two major components:
o Homeowner’s insurance, also called hazard insurance, protects you against damage to your property caused by fire, wind, or other hazards.
o Mortgage insurance protects your lender in the event that you fail to repay your mortgage. Whether you must pay mortgage insurance usually depends on the loan program and the size of your down payment.
If you want to discuss a multi-generational home on one of our building lots or your lot, here is a link to schedule a New Home Strategy Call.
On the call, we can brainstorm multi family new home design options and help you with your new home project.
We’ll answer all your new home questions during this call, including:
*what is the best new home financing? *what new home design options do we offer? *how long does it take to design, permit and build your new home? *Maryland, Virginia and Washington DC tear-down lot and new home inventory. And other other new home questions on your mind. *Your requirements for a custom multi generational home for your family
When it comes to building a new custom home, one of the first steps is often securing a construction perm loan and a new custom home financing checklist will save you time.
These loans allow you to finance both the construction of your new home as well as the permanent mortgage once the home is completed.
If you’re in the process of applying for a construction perm loan, it’s important to be well-prepared and have all of the necessary documents and information on hand.
In this article, we’ll provide a checklist of everything you’ll need to successfully apply for a construction perm loan.
Here’s the kind of information you should have at hand when you apply for your construction loan.
This is a general list:
Salaried Borrowers
* Pay stubs for the most recent 30-day period (including a year-to-date summary) for each of the borrowers on the loan
* Most recent W-2 statements for all borrowers
* Relocation letter on company letterhead, if applicable
Self-Employed Borrowers
* Complete signed tax returns for the last two years, including schedules and statements. If incorporated, personal and corporate returns should be provided
* A copy of an extension to file, if applicable
* Year-to-date profit and loss statement, if beyond June 30th
Deposit Verification
* All pages of checking and savings account statements from the most recent 30-day period
* All pages of asset account statements, including money market funds, mutual funds, stock accounts, IRAs, CDs, etc., from the most recent 30-day period.
Please note that Internet screen prints are generally not acceptable * Gift letter, if applicable
* Evidence of the sale of your previous home, if applicable
* Verification of large deposits
Miscellaneous Borrower Documents
* Any divorce decrees, child support agreements, or separate maintenance agreements if alimony or child support is either paid by any borrower on the loan or received by any borrower on the loan and is used as income
* Written explanations for any credit issues that appear on your credit report
* Copies of any leases and two years of federal tax returns on any rental properties you own
Construction and Builder Documents
* Construction plans and specifications
* Fully executed Purchase/Construction contract accounting for all work. This may involve separate bids and/or contracts if work is not included in the contract
* Alta (HUD1) Settlement Statement from the purchase of the land, if the purchase occurred within the past 12 months.
* Builders name, phone number and address
* Name and phone number of your preferred settlement agent (i.e., title company, attorney, escrow agent, etc.)
* Builders Risk insurance (home buyer is repsonsible
* Certification for any private well or septic system
* Foundation survey (In most states, this can be handled by your title company). Its cost is usually not covered in your closing costs.
* Verification of deposits to your builder and/or land seller, such as cancelled checks or a copy of a certified check
Ordering the Appraisal
The Lender will order a full appraisal of the proposed property based on the final plans and building specifications.
All conditions (such as debt reduction or additional documentation) for your permanent loan must be satisfied prior to the close of construction.
Usually your permanent loan commitment is valid for 12 months from the date your construction loan closed.
We have a lender who, depending on the transaction, will go to a 24 month commitment and lock the rate for 30 years.
If this loan commitment expires before your permanent loan closes, you will be required to update your application, which will require new documentation.
Any change to your credit profile may negatively impact your ability to get a permanent loan.
People sometimes comment “They don’t build them like they used to”, referring to houses that were built decades ago. And I usually think to myself – Thank God!!
There are a lot of charming older houses in the DC area, but the fact is design and construction methods today have advanced over homes that were built 10, 20 and over 50 years ago.
Here are some benefits today’s advanced methods and technologies bring to homes built now:
* Designed for You You can get a custom home, designed with your needs and tastes in mind. Or, if you’re buying a newly constructed home, you can have your builder add personal touches, such as higher countertops or a preferred bathtub style.
* Greater Safety There is less risk of fire in today’s new homes. Many new homes have hard-wired smoke detectors, with battery-powered backup. Wiring systems have been improved, and new homes have more outlets.
* Easier Maintenance Many new homes are constructed with siding, window, and trim materials that never need painting. New roofing materials are denser, longer lasting and many have fire-retardant features.
* Greater Energy Efficiency Improved heating and cooling systems and better insulation techniques offer efficiencies. Many homes built before the 1950’s had no or hardly any insulation. Today homes have a minimum R13 in the walls and R30 in floors and ceilings. Additionally, there are many other options today to add more and denser types of insulation if you want.
* Structural Strength In areas subject to inclement weather or earthquakes (yes even the DC area has some of these design requirements), builders now use extra bracing and framing systems to better withstand exterior stress. Soils are tested and foundations are engineered to resist or accommodate movement. New drainage devices collect rain from gutters and slopes, then deliver water directly into storm drains. Roof and floor trusses enhance structural strength and create new interior design options.
* Better Health – Today, asbestos and lead have been eliminated from materials used in new construction. Formaldehyde emissions from products such as particleboard and plywood have been substantially reduced as well. And new control systems are available for areas where radon could be a potential problem.
There are several benefits to purchasing a pre-construction home. Brand-new homes do not come with repair costs since nothing in the home has ever been used and the structure has not been subject to the elements.
When you have a new home built, you have the opportunity to choose the look and feel of your home, and personalize it to suit your tastes. Some home builders, especially in hurricane prone areas like Florida, are now building homes above hurricane code with extensive safety measures to protect the homeowner in the face of severe weather.
But not all home builders specialize in high quality homes, or offer buyers the chance to personalize their home. That is why choosing the correct home builder is such an integral part of a positive home buying experience.
A tale of two builders: tract homes vs. custom homes
There are two very different types of home builders offering their services today. The first, and often cheapest, option is a tract home builder. These builders offer newly constructed homes at the lowest prices, and can be an affordable option for the buyer on a tight budget. Tract homes are not necessarily bad homes, but the materials used to build them are often of much lower quality than materials used by custom home builders.
Tract home builders can offer lower prices because they purchase materials in mass quantity. Because of this mass purchasing policy, they are not able to offer buyers decor options or choices in color scheme, flooring, etc. Tract homes are often referred to as “cookie-cutter” homes because they all look exactly the same. Tract homes are very seldom built above code, and do not usually include options such as safety glass, additional roof truss straps, or solid, poured concrete construction.
You get what you pay for
Custom homes often come with a higher price tag, but you can definitely see where the extra money goes. High-quality materials, custom decor options, and additional safety measures are just a few of the additional features custom home builders offer. Homes built by custom builders are usually much more luxurious in scale, and often include vaulted ceilings and bright, airy floor plan choices. Top of the line paint, appliances, flooring and fixtures may also be offered.
But there are also different levels of custom home builders, especially when it comes to hurricane safety. In states where hurricanes are a fact of life during the summer months, choosing a high-quality home builder is especially important.
Above code construction
One state where additional hurricane protection is especially important is Florida. In 2004, Florida suffered a series of direct hurricane strikes to both coasts. Even inland areas were not immune to the powerful storms, and homes throughout Florida suffered severe damage. Florida was also subject to extensive building code reform after the devastation Hurricane Andrew left behind in 1992.
Despite extensive reform in South Florida, only a handful of additional Florida counties have adopted the strict standards that are currently in place in Dade county (areas of which were devastated by Hurricane Andrew). In fact, the current building code in most counties only requires that new homes be built to withstand a Category 2 hurricane.
That is why a handful of builders in Florida have begun giving their customers an added level of protection. Above code construction is a term used by these builders to convey that their home construction standards exceed what is required by Florida building code. Some of these homes are built to withstand winds in excess of 140 mph, and offer superior protection for homeowners.
It’s all in the details
After deciding which type of home you are looking to have built (tract or custom, standard or above-code), there are a few more criteria you can use to narrow down your list of choices. First, select your top three neighborhood choices and thoroughly explore the housing market in each of these areas. Make a list of builders who have lots available in your target areas.
Personally visit each builder on your list, as you can get a good feel for the company by visiting their sales offices. Take note of your experience with each company. Is their office staff friendly and helpful? Do they have model homes to show? Do they offer a home warranty? What about builder financing? Do they thoroughly review the floor plans, custom features, and available decor options? Trust your instincts and go with the home builder you are most comfortable working with, and who you feel shares your vision of the ideal home.
Considering how fragile the economy is right now and how timid banks are to loan money for new homes I thought I’d share my experience with saving money on new home construction. It wasn’t that long ago when getting loans was really easy and building large homes was the trend. Today banks are less likely to fun new construction because of the premium costs associated with new construction.
In most real estate markets today you can purchase an existing home for quite a bit less money than a comparable new home. Because of this banks are much more likely to focus their loans on very good customers with plenty of equity (skin in the game!) and homes that will hold their value in this turbulent real estate market.
Having said that if you’re really set on building a new home there are ways you can keep the budget down and the banks more likely to fund your project. Here are my top five ways of saving money on new home construction.
1. Square footage is the name of the game. No matter how you slice it every square foot you add to the footprint of your new home is going to cost money. It affects every aspect of the construction from the foundation all the way to the finish coat of paint. I tell customers to start off with a floor plan that has everything they want and all the room they want. Then you need to take the time to analyze each and every room and see if you can make them smaller and keep the functionality. If you take a simple 30 foot wide home and remove 2 feet of length you can save 60 square feet. 60 sq. ft multiplied times an average cost of over $150 equals $9000. Now you might be saying $9000 is nothing….but I say that will pay for over half of your flooring. So if you want to be serious about keeping costs down then always keep the square footage to a minimum.
2. Choose a home that is 2 stories if at all possible. This concept is pretty simple yet some people never realize how effective it can be. Let’s compare two homes; home A is a 2000 sq. ft. ranch style single level home, home B is a 2000 sq. ft. colonial two story home. Both homes have 2000 sq. ft. so you might say they would cost the same. I would argue the opposite and heres why. House A has a foundation that is twice the size as House B. House A has a roof twice the size of House B. This simple example can easily save you $10,000 to $20,000 yet you end up with the same livable space.
3. Instead of having an attached garage you can save a large sum of money if your house lot topography will allow for a drive under garage. In this scenario you use a portion of your basement for your garage and you can easily save $15,000 to $25,000. Now this option won’t work well for level lots or areas of the country that build home on flat slabs but it’s still a great money savings idea.
4. Ask your builder if there are any simple, safe construction tasks that you could do to reduce the costs. Many customers end up doing their own painting, cleaning or even final landscaping. These tasks could save you anywhere from a few thousand dollars up to tens of thousands of dollars.
5. Another recent option is to consider using certain Energy Star appliances, furnaces and air conditioning units. By using some of these products you may qualify for substantial government tax credits that can help offset some of your construction costs. My only word of caution on this item is that some banks are still trying to figure out new technologies like geothermal heat or solar panels. So they may be less interested in funding these types of products.
There you have it my top five money saving ideas for new home construction.
