Insurance and Credit

Many people prefer buying a new home because of the numerous benefits that come with the home. When considering buying a new home, it is important to be aware of the many advantages a new home offers. The following is a list of the reasons why people are choosing new homes:

Reasonable Mortgages: With today’s low interest rates and competitive housing prices, it is a great time to purchase a new home.

Quick and Smooth Sale: When you buy a new home, you can complete the purchase within two weeks of the house being completed. There is less red tape because everything is new.

You Know the Homebuilder: Homebuilders take great pride in their work. They know that building a poorly constructed home can ruin their business. They strive to build the best homes. If you have questions, you will be able to talk directly to the company that built the home.

First Residents: When you move in everything is clean and new. You will not have to spend hours cleaning grease stains, tobacco stains, and other dirt. There will not be any damaged walls or scratched surfaces. You will also not have to paint

Community Orientated: New homes tend to reflect community spirit. This includes location and extras such as patio decks, porches, and a pleasing backyard. The homes are usually close to schools and parks

Energy Efficient: New homes can use up to 50% less energy than homes built in the early 1980s.A new home will be more energy efficient, have better quality insulation, and have a more efficient heating system. New homes are built to meet modern regulations.

Mobility: New homes are built to meet mobility standards making access easier for people with mobility problems.

High Quality Construction: Progressive technology has resulted in homes that are stronger and more solid. Such items as roofing shingles and windows are a better quality and last longer.

Low Maintenance: New homes will not require updating or modernizing. Modern materials used in the construction of new homes results in a home that does not need updating. The only maintenance you will have to do is cleaning.

Security and Safety: Many new homes are equipped with wiring for security lights and alarm systems. They will also have high quality locks for windows and doors. New homes are also built to meet modern safety standards. This includes the newest smoke alarms and fire resistant materials.

Greener: New homes will produce less carbon dioxide and are equipped with water efficient fittings. These homes are often constructed on previously developed land so forests were not cut down.

Budget Efficiently: With a new home, you know what your housing costs will be so you can make a budget.

Warranty Protection: New homes will often come with NHBC Buildmark Warranties. For eight years, the home is covered for any drainage and structural defects. Your builder will explain how the warranty works.

Modern Rooms: Many new homes will have added features such as walk-in closets. They will also be fitted for modern appliances

When you move into a new home, the chance of any unexpected problems popping up is greatly reduced. With a new home, you know who built it and how it was constructed. You will be able to choose your own interior design and select certain designs such as cabinetry and layout. You also know exactly how to operate and maintain your homes systems and equipment. If you have any questions, the homebuilder will have the answers. You basically get a brand new home that easy to maintain, healthy, and comfortable. You are your family will have less worries allowing more to create wonderful memories.

Lead used to be a primary material for water pipes in major U.S. cities, until the early 1900?s. It was so heavily favored because of its durability and malleability. Galvanized steel and copper eventually replaced lead, and copper pipe became the most popular material used in home water service and distribution in post 1950 construction.

Lead contamination was the top source of lead-related health issues before the hazards of ingesting it were known. The cause was pipe corrosion and erosion, and it raised stillbirth and infant mortality rates. Other plumbing or pipe problems are much easier to spot, but if you?re not testing for lead in your water, you?ll never know it?s there. You can find general information about lead contamination and how to test for it on the EPA?s website.

If you have lead in your water, it?s generally because of one (or more) of these: lead-based solder which used to be the primary way to join copper pipes, a lead service line pipe linking your house to the city or town water main, and brass (or chrome-plated brass) faucets. The U.S. Congress banned the use of lead solder containing greater than 0.2% lead in 1986. It also limited the lead composition of pipes, faucets, and all other plumbing materials to 8.0%.? As a result of this legislation, ?lead-free? brass legally can contain no more than 8% lead and plumbing installed before 1986 possibly contain higher levels of lead.

Water lines from the city or town water main to a home or building?s water system may be a lead pipe in older structures. If you or a previous owner of the structure had your plumbing system upgraded since 1960, it?s probably composed of galvanized pipe. Galvanized pipe doesn?t need lead solder to be joined. Faucets need to be checked for brass or chrome-plating, you?re the original manufacturer, a local hardware store, or a licensed plumber should be able to tell you if yours contain either.

If your pipes are the source, epoxy lining will prevent lead leaching into your drinking water. Because the epoxy lining creates a barrier between the metal pipe and the water coming in contact with it, it stops the chemical reaction that causes corrosion. It eliminates and prevents from reoccurring, leaching of lead and other metals into the water, as well as a host of other poor water quality issues such as: discolored water (red, brown, blue or yellow), metallic taste (caused by zinc or iron leeching in galvanized pipes), and water odor or bad taste (caused by bacteria).

Epoxy lining of pipes is not a new technology, just a relatively unkown one. But it?s not unproven ?both the U.S. Navy and U.S. Army Corps of Engineers have tested and approved the use of epoxy pipe lining to prevent lead and other contaminants from leaching into drinking water. Links to their reports are available at http://curaflo.com/CuraFlo/ResourceCenter.

government?s highest stadard for safe drinking water: ANSI/NSF Standard 61. ANSI/NSF Standard 61 certification means CuraPoxy is certified for safe use in drinking water pipes carrying water up to 180? Fahrenheit or 82.2? Celsius. The proprietary epoxy and epoxy pipe lining process CuraFlo uses will protect you from lead and other metals in your pipes that may be leaching into your water now or might in the future, by creating a safe barrier between them and your water.

A building surveyor is a surveyor who concentrates on providing building survey reports. Such a surveyor will provide suggestions about the overall design and structure of the property as well as advise you about the likely cost of repairs if they are deemed necessary.

A building surveyor can be a chartered surveyor but that is not necessary. A building surveyor does not normally value the property. The surveyor offers advice to the client regarding different needs of the building whether current or in design.

A full building survey and report is needed in many circumstances. The full building survey report will in most cases be an easily readable report covering several aspects of your property’s condition and future requirements.

The surveyor will include his opinion on what work is going to be needed on the building and will also offer an estimate for the cost of that work within the report. The report is a result of a comprehensive investigation of the property.

With his experience and training, a building surveyor will work his way throughout the property he is working on, checking off many details against his check list of major points of attention. In this way, the whole building will be examined.

If the surveyor discovers anything that he believes would be of interest to your solicitor, then he will provide those details within the report which can then be forwarded on to the solicitor who is handling all your legal stuff concerning the house purchase.

A full building survey is needed if the property in question falls into certain parameters. One of those is age. If the property was built over 30 years ago then you would need a full building survey.

Construction work, alterations to the property or adding an extension are some of the principle reasons for getting a full building survey conducted on the property you wish to buy. You never know what the survey might unearth apart from the aspects that you know about.