The Home Buyer's Korner

Information presented should be used for educational purposes only.

January 8th, 2013

Guy looking up in color

Choosing “Green Homes”

Buy Smart ~Join the Konversation“Green” homes are FHA eligible and can be great for the environment, as well as save you money over time.

For environmentally-conscious homeowners wanting to minimize their footprint and their energy bills, there are four areas upon which to focus.

In-Home Energy-Efficiency According to the Environmental Protection Agency (EPA), as of December 2012, buildings account for 68 percent of the nation’s total energy consumption. Green homes can reduce this figure via energy-efficient appliances; well-sealed, double-glazed windows; and good insulation. Alternative energy sources such as solar panels can also reduce energy use.

Green Building Materials Building materials are determined to be “green” based on manufacturing, shipping, and reclamation procedures, and are composed of renewable resources. Reclaimed materials such as wood from an old barn; or recovered newspapers for use in insulation are often considered to be green. Countertops made from recycled materials are often considered green, too. Ceramic tiles, because of how much energy is required to form them, are often not considered green unless reclaimed from a demolition project.

Home Location And Orientation A home for which the main living areas are facing south will be warmed by the sun in winter, and will not be overheated by the sun in summer. This is considered “green”, as is a proper window placement, which allows for cross-breezes which can lower energy costs on warmer days. Living in proximity to work and other frequented spots can reduce automotive energy consumption, too.

Indoor Air Quality Good air quality means promoting a safe, toxin-free environment. Using non-toxic paints in your home plus other green materials can improve air quality. Most notably because, over time, synthetic paints and materials break down, releasing harmful particles into the air.

When considering going green, check with your local utility companies & research for both State and Federal Energy Tax Credit.  You’d be amazed at what’s available for home buyers and owner alike.

HOME OWNERSHIP TOOLS

FHA 203K

Your Home Purchasing or Refinancing & Renovation Tool

Mortgage Loan Officers, Real Estate Agents & General Contractors

are ready to assist you with your home purchase

FANNIE MAE HOMESTYLE

The Conventional Alternative to FHA 203K

Great for Real Estate Investors and Second Home Renovations

Mortgage Loan Officers, Real Estate Agents & General Contractors

are ready to assist you with your home purchase

USDA RURAL DEVELOPMENT

Up to $10K for Home Improvements, Renovations or a Simple Remodel

Mortgage Loan Officers, Real Estate Agents & General Contractors

are ready to assist you with your home purchase

A SIMPLE HOME SHOPPING INSPECTION TOOL

Organizing your home shopping experience affords a wise decision making process.

This simple home inspection tool makes your ultimate buying decision a smart one.

To print this document click on “Open in New Window” located at the lower right corner;

click on “File”; then click on “Print”. In the center of the screen you will have the option

to “Create A Printable PDF of the Presentation”.

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