Today's Housing Market

The housing market today is a much different market than it was 2 or even 3 years ago. Before 2007, consumers were able to borrow 90 to 120 percent of the value of their homes. As prices retreated and homeowners owed more on their homes than their real market value, homes were sent into foreclosure and back to the lenders. Lenders then dumped these foreclosure at huge discounts, furthering the eroding values, leading to more foreclosures, and creating a downward spiral.
This crash in the real estate market has created a cautious consumer, as well as a cautious lender. In this new market, equity will be key. Lender's are looking to finance projects with substantial equity so their leverage can be lower and they can be repaid as well as protect their own capital. At some point, banks will have to lend money in order to survive. They will most likely be looking to make conservative, low leverage deals to consumers with experience and a proven track record. A solid plan on paper will definitely not suffice; lenders want to see proven results.
What does all this mean to you as a consumer? Though the housing market is troubled, there are a few advantages to those consumers in the market for housing. One advantage is that if you are in a position to obtain financing, the time to build your dream home is now! With material, construction prices, and land at an all time low, there will never be a better time to build. The home you build today will only increase dramatically in value as the market gains ground. For the price it will cost you to build today, your return on your investment would be dramatic.
At Ramon Stewart Construction, we definitely have the track record to prove our success as builders. We are moving forward into this new market with cautious optimism, and a desire to continue to provide impeccable service to our clients. In an uncertain market, it pays to go with an experienced, seasoned builder who will guide you through the building process in a professional and diligent manner!

The Time to Buy Real Estate is Now!

The recession has left a resounding sting on the cheeks of many builders throught the U.S. We have definitely felt the weight of the housing market crash here at Ramon Stewart Construction. The upside to the current market, is that if you are in a position to be able to buy real estate right now, you'd be insane to not be doing so! The investment purchase you make now at rock bottom pricing, will easily turn into a sizeable profit when the economy recovers. We would like to invite you to our Whispering Waters community in Canton, near the Alpharetta border. We have 3 lots left in this private, exclusive community, all priced for a quick sale. These lots are all right around 3 acres, level or gently sloping, wooded and 2 of them are lake front to your own private lake. Bring your horses! Community is already lined with four rail horse fencing, and lots could be cleared to be beautiful equestrian estates. We also build magnificent barns and riding rings to complete your new property. Come visit Whispering Waters Today! Visit our website or call for further information: www.stewartbuilt.com

Homeowner Tips for the Arctic Atlanta Chill

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• Pets: It’s best to keep pets indoors. Dogs who live outdoors should have a doghouse that’s elevated a few inches and has cedar shavings, straw or a blanket to trap body heat. Consider dog sweaters during walks. Pets who spend time outdoors need more food because cold weather saps energy.
• Plants: Rosemary topiaries or potted citrus plants or roses should be moved close to the wall of your house for warmth. Cover plants such as camellias with an old sheet or, for plants taller than 3 feet, black plastic. Remove coverings when the weather warms up to about 40 degrees. Be sure to turn off automatic sprinklers, detach hoses from faucets and wrap the faucets to protect outdoor pipes.
• Pipes: Insulate or heat pipes in attics and crawl spaces with insulation or electric tape. Seal vents and other openings in crawl spaces to keep cold wind from blowing against pipes. Open doors under sinks to allow heated air in the house to warm pipes. Keep indoor faucets, hot and cold, at a slow drip.
* source:AJC.com

Home Buyers Credit Extended and Expanded!

NAHB is celebrating a major victory now that Congress has passed, and President Obama has signed, legislation that will extend the first-time home buyer tax credit into next year and expand its eligibility to include many more home buyers. The new law also provides relief to cash-strapped home builders by broadening tax benefits for businesses with net operating losses (NOLs).

http://www.nahbmonday.com/mmbl/issues/2009-11-09.html

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