Archive for the ‘Remodeling’ Category

HOW TO BUILD A CUSTOM HOME, Part 11: How to Finance a New Home Purchase

Thursday, September 2nd, 2010

In this series, the professionals at the B.O.L.D. Company will take you through the process of building a custom home in the Greater Cincinnati – Northern Kentucky area. From plan and lot selection, to mortgage approval, to the actual construction, we’ll take you behind-the-scenes each week for an inside look at a different part of the process.

This week, we review the financing options and the mortgage process for new home purchases. While loans have become more difficult to obtain in recent years, being prepared will greatly increase your chances of getting financing with the terms you want.

*KNOW YOUR CREDIT SCORE Get your credit report – everyone is entitled to one free credit report per year (visit annualcreditreport.com or call (877) 322-8228). Make sure there are no mistakes in your report, and dispute any you find. It can take a month or more for your report to reflect corrections, so don’t wait to fix errors!

*ANALYZE YOUR FINANCIAL SITUATION Determine how much you can afford to spend – and are willing to spend – every month on a mortgage. A general rule of thumb is to expect to spend NO MORE than a third of your gross income on your mortgage payment – and remember, the smaller the percentage of your income that you devote to the mortgage, the easier your finances will be during the tough times (medical bills, lay offs, etc). Don’t forget to determine how much of a downpayment you can afford! Expect to need a downpayment of between 5% and 20% of the purchase price – the more money you put down initially, the less you have to pay interest on later.

*COMPARE RATES, TERMS, AND FEES Compare many lenders and rates to find the right fit for you and your situation. Be sure to add up all the costs so that you are making fair comparisons – include all fees, points, and closing costs in your estimates. Potential lenders should give you a Good Faith Estimate (GFE) within three days of your application which details all the costs—but this is only an estimate. If you can get your lender to “lock in” fees and rates, all the better! Finally, be sure that you explore all your options: savings and loan associations, credit unions, local banks, major lenders, stock brokerages, mortgage brokers, and FHA and VA programs. Each have their advantages: for instance, local banks know the area, the building practices, and tend to be easier to contact, while major lenders may be able to offer more competitive rates, and federal programs may offer lower downpayment requirements.

*BE PREPARED TO PROVIDE DOCUMENTATION Lenders need to know that you can afford to make the payments and that you intend to

Lets Make a Deal!

 make the payments, so you need to provide evidence that you have a steady income and a history of making payments in full and on time. This means that, in addition to proving your identity by providing your full legal name, Social Security number, and date of birth, you will also be expected to furnish at least two years of tax returns and income, employment, and residence history, as well as at least two months of bank statements and pay stubs. You may also need to provide investment earnings reports, divorce or child support decrees, proof of insurance, or documentation of any other assets or liabilities that could affect your ability to make your payments.

The B.O.L.D. Company is uniquely situated to help you through each and every step of the custom home building process, from financing and design/selections to construction and warranty service. We are available to build on your lot in Northern Kentucky, or let our licensed real estate agents help you find the perfect home site! Our in-house drafting and design team, together with our on-staff licensed Professional Engineer, can help you find or design the plan of your dreams! And of course, B.O.L.D. combines quality products and craftsmanship with unsurpassed customer service, so that the finished home is everything you expect and more. Find out why 400+ other new home customers have trusted The B.O.L.D. Company since 1986!

Builders Of Lifelong Dreams

HOW TO BUILD A CUSTOM HOME, Part 10: Exterior Design Features — Outdoor Kitchens

Friday, August 27th, 2010

In this series, the professionals at the B.O.L.D. Company will take you through the process of building a custom home in the Greater Cincinnati – Northern Kentucky area. From plan and lot selection, to mortgage approval, to the actual construction, we’ll take you behind-the-scenes each week for an inside look at a different part of the process.

 Last week, we looked at creating outdoor living spaces with porches, decks, and patios.  This week, we take that idea a step further.  Dress up your porch, deck, or patio by stocking a complete outdoor kitchen!

The convenience of an “outdoor kitchen” means dining and entertaining outside without having to continually run back inside for utensils, condiments, or food that is cooled by the time it reaches the table.  You also avoid potentially dirty shoes tracking from porch to kitchen.  An outdoor kitchen provides everything you need right where you need it!

The most basic (and most budget-friendly!) outdoor kitchen might include simply a grill and an outdoor bar–somewhere to house drinks and snacks for the evening, for the convenience of guests.  For a little bit bigger investment, some bar stools and also cabinet space to allow storage of plates, napkins, and utensils, would dress up the space.

Upgrading the outdoor bar design to an outdoor kitchen would consist of a built-in grill with a miniature sink and a small counter space for food preparation.  More elaborate outdoor kitchen designs might include a dishwasher, a refrigerator, an oven, or even a television set for watching the big game!  Some designs also include an outdoor fireplace or fire pit, to make their outdoor entertaining more of an all-season facility. 

All of these items would need to be installed or covered in such a way as to protect them from the elements, however.   Keep in mind:

*Flooring – avoid flooring that would become dangerously slippery when wet.

*Hot or wet surfaces – any part of cabinets or countertops that would be exposed to heat from the grill, or to rain or even direct sunlight, will need extra protection, such as backer board covered with stone veneer, or will need, at least, to have a sealer applied. 

*Lighting – avoid accidents by including sufficient lighting for walkways, food preparation areas, and dining areas. 

*Shelter – don’t be run out of your outdoor space when the sun is too bright or the air too chilly.  Prepare for the conditions you expect to face, whether it is by including simply a patio umbrella or a complete pergola-with-plexiglass-panel roof; or maybe a stone-faced outdoor fireplace for warmth, or even just a portable outdoor patio heater.

B.O.L.D. Homes, a B.O.L.D. company, has been established as among the premiere Greater Cincinnati / Northern Kentucky custom home builders since 1986. We have well over 500 customer designed homes to our credit. Work one-on-one with the owners of the company – including a licensed real estate broker, a licensed real estate agent, a licensed professional engineer, and a CAD draftsman/designer – to design your dream home full of the features important to you. We can help you find a balance between luxury and budget.

Builders Of Lifelong Dreams

HOW TO BUILD A CUSTOM HOME, Part 9: Exterior Design Features — Outdoor Living — MORE PHOTOS!

Thursday, August 26th, 2010

More photos of BOLD designed and built Porches, Patios, and Decks!

Builders Of Lifelong Dreams

HOW TO BUILD A CUSTOM HOME, Part 9: Exterior Design Features — Outdoor Living

Friday, August 20th, 2010

In this series, the professionals at the B.O.L.D. Company will take you through the process of building a custom home in the Greater Cincinnati – Northern Kentucky area. From plan and lot selection, to mortgage approval, to the actual construction, we’ll take you behind-the-scenes each week for an inside look at a different part of the process.

 This week, we look at outdoor living spaces:

 Outdoor living spaces add value and open-air living and entertaining space to your home. From decks to patios, covered porches to screened porches, there are outdoor living options for every budget.

 PATIOS

The most basic type of outdoor living space is the patio. With a floor of poured concrete, brick pavers, or stone, patios are inexpensive to install and very easy to maintain. Patios provide a place for outdoor entertaining, dining, grilling, sun bathing, or for installing a hot tub.

 –Special features to consider for your patio:

Stamped concrete – Concrete can be customized to resemble just about any type of material: brick pavers, cobblestones, wood, etc. By “stamping” patterns and textures and adding color, you can have a “brick paver” patio that won’t allow weeds to grow between the pavers, or a “cobblestone” patio that won’t succumb to heaving of the frozen ground underneath.

Patio cover – To provide shade to a patio, consider adding a pergola, arbor, or patio cover to your design. Common materials for covers include wood, synthetic wood, aluminum, or fabric. They can be solid and provide maximum shade (in the case of a roof cover of aluminum or fabric), or they can provide partial shade (in the case of a pergola or arbor).

Gas hook up – Instead of having a propane tank for your gas grill, install a gas line hook up out to your patio!

 DECKS

 Decks are also a fairly inexpensive way to expand the living space of your home. A deck, however, can be built to accommodate damp or uneven ground where a patio cannot, and it can be built at ground level or higher. Often, a deck is built in conjuction with a patio – a deck creates shade for a patio below. Decks can be built from pressure-treated wood, redwood, cedar, or composite decking. Some composites are made from recycled materials, which can be a more eco-friendly product, and good composites are more easily maintained than a typical wood deck.

 —Special features to consider for your deck:

Deck cover – To provide shade to a deck, consider adding a pergola, arbor, or deck cover to your design. Common materials for covers include wood, synthetic wood, aluminum, or fabric. They can be solid and provide maximum shade (in the case of a roof cover of aluminum or fabric), or they can provide partial shade (in the case of a pergola or arbor).

Gas hook up – Instead of having a propane tank for your gas grill, install a gas line hook up out to your deck!

Door/stairs – decks can be designed like a balcony – where the only entryway is from the house, or they can built with an additional entryway to/from the yard. For decks built off the ground, this will include stairs.

 PORCHES

 Covered porches are a part of the design and foundation of the home, compared to a deck or patio which is an extension added on to the home. Covered porches, while allowing light, open-air, and breezes, also provide greater protection from the elements than would a regular patio or deck. As you might imagine, covered porches tend to be more expensive than patios and decks, and must be planned for from the beginning of construction.

 Screened porches provide an even greater level of protection from the elements – while light and rain and air can get through the screens, bugs cannot.

 Sun porches provide the greatest level of protection from the elements – surrounded by glass windows, light but not air can get in (unless the windows are open).

 –Special features to consider for your porch:

Ceiling fans – Move the air around on a hot day with a ceiling fan.

High ceilings – A vaulted ceiling in a screened or other porch will give rising hot air somewhere to go other than where you are sitting

B.O.L.D. Homes, a B.O.L.D. company, has been established as among the premiere Greater Cincinnati / Northern Kentucky custom home builders since 1986. We have well over 500 customer designed homes to our credit. Work one-on-one with the owners of the company – including a licensed real estate broker, a licensed real estate agent, a licensed professional engineer, and a CAD draftsman/designer – to design your dream home full of the features important to you. We can help you find a balance between luxury and budget.

Builders Of Lifelong Dreams

HOW TO BUILD A CUSTOM HOME, Part 8: Interior Design Features — A Kitchen You’ll Be Proud to Show Off

Saturday, August 14th, 2010

In this series, the professionals at the B.O.L.D. Company will take you through the process of building a custom home in the Greater Cincinnati – Northern Kentucky area. From plan and lot selection, to mortgage approval, to the actual construction, we’ll take you behind-the-scenes each week for an inside look at a different part of the process.

This week, we look at kitchen design ideas:

With the growing popularity of open floor plans, the kitchen has become more of a focal point than in generations past: the kitchen is a place to entertain, and thus, a focus of style and decorating, in addition to retaining its more practical purposes.

Designers have two methods of addressing this dilemma: (1) decorating around customized or high-end appliances that you’ll be proud to show off; or (2) hiding the appliances with custom cabinetry.

“Showy” appliances include high-end stainless steel varieties, those with copper trim or accessories, or professional grade appliances. The latter can serve a dual purpose if you do a lot of cooking, catering, or entertaining.

There are many things you can do to make your appliances “blend in”, or to hide them altogether. Increasingly, appliances are available with changeable front panels to match the cabinetry color and style (think of a dishwasher or trash compactor front panel). Custom cabinetry can make other appliances “disappear.” Drop doors, “roll top” doors, and sliding doors make good cubby holes for small appliances, such as toasters, coffee makers, and blenders. A “microwave cabinet” hides the clunky white or black box. Even the refrigerator can have “armoire” style doors designed to open and close around its space. Built-in refrigerators and dishwashers blend even more easily. Refrigerated drawers can hide within the island, for instance, or a built-in refrigerator can sit atop freezer drawers below.

After the cabinets, the second most noticeable surface in the kitchen is the countertop. Today’s countertops must be both practical and showy. Durable and stylish options are readily available for every budget.

The economical choice is a laminate top, such as those made by Formica or WilsonArt. Available in a wide range of colors, designs, and styles, you can find laminates that mimic just about any kind of natural surface. The disadvantage is that laminates crack or chip fairly easily, and repair of this damage is not so easy.

Ceramic tile is very durable, and it is one of the few do-it-yourself options for kitchen tops. The necessary grout between tiles can be difficult to keep clean, however, and it must be regularly sealed in order to resist moisture.

Solid surface acrylics are becoming increasingly popular for their durability, non-porous water resistance, easy scratch repair (just sand and buff out), and their wide arrange of colors, designs, and styles. Products such as Corian and Avonite produce a good product for a competitive price, making solid surface acrylics a great middle-of-the-road price option.

High end natural surface options include granite, marble, quartz, and even concrete. These products are beautiful, but the high cost does not ensure indestructability. Each of these products are prone to cracking, and none (with the possible exception of concrete) will withstand the damage inflicted by a hot pan (but neither will any of the other options, with the possible exception of ceramic tile).

B.O.L.D. Homes, a B.O.L.D. company, has been established as among the premiere Greater Cincinnati / Northern Kentucky custom home builders since 1986. We have well over 500 customer designed homes to our credit. Work one-on-one with the owners of the company – including a licensed real estate broker, a licensed real estate agent, a licensed professional engineer, and a CAD draftsman/designer – to design your dream home full of the features important to you. We can help you find a balance between luxury and budget.

Builders Of Lifelong Dreams

HOW TO BUILD A CUSTOM HOME, Part 6: Interior Design Features — Custom luxury master suite – MORE PHOTOS!

Wednesday, August 4th, 2010

More photos of BOLD designed and built Luxury Master Suites!

 

   

HOW TO BUILD A CUSTOM HOME, Part 5: Design Features — Universal Design and Green Building

Friday, July 23rd, 2010

In this series, the professionals at the B.O.L.D. Company will take you through the process of building a custom home in the Greater Cincinnati – Northern Kentucky area. From plan and lot selection, to mortgage approval, to the actual construction, we’ll take you behind-the-scenes each week for an inside look at a different part of the process.

 This week, we take a look at some important design considerations that should be a part of your floor plan “research and development”.

 Savvy home designers are increasingly discovering the benefits of implementing features from the following categories: Universal Design and Green Building. These contemporary industry buzzwords sound great; but what do they actually mean to you and your new home? 

  • Universal Design The National Association of Home Builders defines this category of home design as “the design of products and environments to be usable by all people, to the greatest extent possible, without the need for adaptation or specialized design.” What this means: taking advantage of common sense features that make your home useable for, and marketable to, people of all shapes, sizes, and conditions. Furthermore, it is a way of thinking about your house in relation to your future in it, including whatever life changes could affect you and your ability to remain in your home. 
      • Living on one floor: Universal design does not preclude a second story or a finished basement. Simply put, the design enables the ability to perform all of the main functions of the home – eating, sleeping, bathing – on the same floor. In this way, if your elderly parents come to stay, or a disabled friend comes to visit, or your own aging joints begin to trouble you, your home remains as hospitable and accessible as ever, to everyone.
      • Step-free accessibility: Universal design provides for access to the home and all of its main rooms without the barrier of steps. Furthermore, the use of doorway thresholds that are flush with the floor allow wheelchairs and other aids to enter more easily, and prevents others (especially those with an armful of groceries!) from tripping.
      • Wide passages and open design: Wide doorways (32-36 inches) and hallways (36-42 inches) allow wheelchairs and other aids sufficient space to more easily enter and maneuver around the home.  Wide passages also make moving furniture easier! Extra floor space and an open floor plan allow room for more people and their needs, while lending flexibility to furniture placement and multi-purpose room use.
      • Safety features: Non-slip bathroom surfaces, handrails, and grab bars benefit everyone, but especially the elderly and the disabled. New design ideas are integrating both safety and style.
  • Green Building Everything is “green” these days: new homes are no exception. The fact of the matter is, several simple considerations CAN make a DRAMATIC difference in the efficiency and sustainability of your home. A little extra thought about placement of the home, products installed, and maintenance practices can save you money and peace of mind, while saving the earth’s resources. Energy Star
      • Passive solar heating: The position of the home, as well as the length, size, and location of overhangs and windows, can significantly affect the energy use of your home – and so, the cost, both monetarily and environmentally. In the winter, sunshine provides natural (and free!) heating energy; however, these come with chilly blasts of wind. In the summer, those rays of sun work against your energy efficiency, while the breezes can aid your cooling system.
      • Appliances: High-efficiency appliances, geothermal heating systems, and programmable thermostats all help to conserve energy resources and lower your energy bills. Look for the Energy Star label when selecting appliances.
      • Insulated garage doors and exterior entry doors, insulated can lights, adjustable door thresholds, and high-efficiency windows all contribute to maintaining comfortable temperatures without high energy use and cost.
      • Low-flush toilets and water-saving faucets conserve household water and lower utility bills.
      • Proper insulation and caulking are also necessary to capture the full benefit of your other energy-saving products.

At the B.O.L.D. Company, we pride ourselves on our commitment to both quality and sustainability. As the first 100% Energy Star Builder in the Northern Kentucky area, we continue to maintain the standards that ensure that each and every one of our homes passes evaluation by a third-party rater. Our homes are 20-30% more efficient than standard homes, saving our customers money and conserving resources for future generations. We also keep up with continuing education and the latest practices recommended by the National Association of Home Builders Green Building program.

 We are also proud of our Certified Aging-in-Place Specialist who can help you incorporate the theories of Universal Design into your next home plan.

ASK THE BOLD COMPANY FOR MORE INFORMATION ON BUILDING A CUSTOM HOME

Builders Of Lifelong Dreams

Lead Paint Rule’s Opt-Out Provision Ends July 6

Sunday, May 16th, 2010

The EPA has gone forward with its proposal to eliminate a provision to its Lead: Renovation, Repair and Painting rule that previously allowed owners of older homes to opt-out of the lead-safe work practices mandated by the rule if no children under six or pregnant women resided in their home. An amendment that makes this rule change official was published in the Federal Register on May 6, with an effective date of July 6. This means that after July 6, 2010, renovations in all 78 million pre-1978 homes could be subject to the new work practice standards as stipulated in the rule. This is despite EPA’s own estimates that a significantly smaller portion of homes — more like 38 million — still contain lead paint.

The new rules also require a post-renovation notification to be presented to the home owner. This means that the remodeler must give the property owner and/or residents a copy of the post-renovation checklist or similar form. Importantly, the EPA has also extended the expiration date for any certified renovator who completed his or her training before April 22, 2010. The new expiration date is July 1, 2015.

One more thing to keep in mind: the EPA has previously given notice that it is writing another rule to require more complex dust-wipe or clearance testing, effectively requiring remodelers to fill the role of lead-paint abatement workers. If approved, this rule would become effective in July 2011.

New Lead Paint Rules for Contractors

Thursday, April 29th, 2010

Beginning Thursday, April 22, Earth Day, contractors working on homes built before 1978 must prove that they are following the Environmental Protection Agency’s new rules regarding containment and cleanup of lead paint – or face fines of up to $37,500 a day.

The new regulation requires painters and renovation contractors to be trained and certified in EPA-approved lead-paint management methods.

The EPA estimates that the new procedures will add $8 to $167 to the average interior remodeling project. Contractors say the cost will be much more.

Source: Washington Post, Deborah k. Dietsch (04/17/2010)

Basement Upgrade Project

Monday, March 15th, 2010

Dan and Janet purchased a resale home and just needed to add a few things to make the finished basement perfect. BOLD was asked to help with the design and installation of a refreshment area for the grandkids to hang out around and a storage area for off season clothes. Check out the before and after below.

How about a wet bar here?

May be a granite drink shelf here?

This space would be great for the closet!

Here are the finished results just in time for March Madness!!

Rich Maple cabinets and a granite top.

Stemware and wine bottles hang out here!

A place to set your "Kool-Aid" when it is your turn to shoot.

Plenty of storage in here!

Thank you Dan and Janet for trusting The BOLD Company to work on your home.