Whenever there is snow, you are likely to have troublesome ice dams to follow. Ice dams can cause major water damage and flooding to your home, which requires immediate attention.
As winter advances through cycles of freezing and thawing, buildings and homes experience ice buildup and roof damage. In general, ice dams are formed when attic heat moves up to warm the roof and melts snow at or near the ridge. Snow melts, runs downward and hits the edge of the cold roof, resulting in re-freezing snow. These cycles cause ice to accumulate and back up under shingles. Damage appears in the form of soaked insulation, stained, cracked and damaged sheet rock, damp, smelly, rotting wall cavities and stained, blistered and peeling paint.
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Showing posts with label rehab. Show all posts
Showing posts with label rehab. Show all posts
Thursday, January 28, 2010
Tuesday, December 15, 2009
Ten Tips to Keep Your Holiday Home Fire and Injury Free
Source: USCPSC
Fires Lead the List of Hazards Related to Holiday Decorating
WASHINGTON, D.C.- As the holiday season approaches, the U.S. Consumer Product Safety Commission (CPSC) is urging consumers to make safety a factor in holiday decorating. Whether it is careful candle placement or checking the warning label on the holiday lights, simple safety steps can go a long way in preventing fires and injuries this year.
Annually, during the two months surrounding the holiday season, more than 14,000 people are treated in hospital emergency rooms due to injuries related to holiday decorating. In addition, Christmas trees are involved in hundreds of fires resulting in an average of 15 deaths and $13 million dollars in property damage annually. Candle-related fires lead the list of hazards averaging more than 12,000 a year, resulting in 150 deaths and $393 million in property damage.
“Holiday decorating-related fires and injuries most often involve defective holiday lights, unattended candles and dried-out Christmas trees,” said CPSC Chairman Inez Tenenbaum. “We are providing this list of 10 simple safety steps to help keep your holiday home safe.”
Use the following ten safety tips when decorating this year:
Trees and Decorations
When purchasing an artificial tree, DO look for the label "Fire Resistant." Although this label does not mean the tree won't catch fire, it does indicate the tree is more resistant to catching fire.
When purchasing a live tree, DO check for freshness. A fresh tree is green, needles are hard to pull from branches and do not break when bent between your fingers. The bottom of a fresh tree is sticky with resin, and when tapped on the ground, the tree should not lose many needles.
When setting up a tree at home, DO place it away from heat sources such as fireplaces, vents, and radiators. Because heated rooms dry out live trees rapidly, be sure to monitor water levels and keep the stand filled with water. Place the tree out of the way of traffic, and do not block doorways.
In homes with small children, DO take special care to avoid sharp, weighted or breakable decorations, keep trimmings with small removable parts out of the reach of children who could swallow or inhale small pieces, and avoid trimmings that resemble candy or food that may tempt a child to eat them.
Lights
Indoors or outside, DO use only lights that have been tested for safety by a nationally-recognized testing laboratory, such as UL or ETL/ITSNA.
Check each set of lights, new or old, for broken or cracked sockets, frayed or bare wires, or loose connections. Throw out damaged sets. DON’T use electric lights on a metallic tree.
If using an extension cord, DO make sure it is rated for the intended use.
When using lights outdoors, DO check labels to be sure the lights have been certified for outdoor use and only plug them into a ground-fault circuit interrupter (GFCI) protected receptacle or a portable GFCI.
Candles
Keep burning candles within sight. DO extinguish all candles before you go to bed, leave the room or leave the house.
DO keep lighted candles away from items that can catch fire and burn easily, such as trees, other evergreens, decorations, curtains and furniture.
__________________________________________________
Fires Lead the List of Hazards Related to Holiday Decorating
WASHINGTON, D.C.- As the holiday season approaches, the U.S. Consumer Product Safety Commission (CPSC) is urging consumers to make safety a factor in holiday decorating. Whether it is careful candle placement or checking the warning label on the holiday lights, simple safety steps can go a long way in preventing fires and injuries this year.
Annually, during the two months surrounding the holiday season, more than 14,000 people are treated in hospital emergency rooms due to injuries related to holiday decorating. In addition, Christmas trees are involved in hundreds of fires resulting in an average of 15 deaths and $13 million dollars in property damage annually. Candle-related fires lead the list of hazards averaging more than 12,000 a year, resulting in 150 deaths and $393 million in property damage.
“Holiday decorating-related fires and injuries most often involve defective holiday lights, unattended candles and dried-out Christmas trees,” said CPSC Chairman Inez Tenenbaum. “We are providing this list of 10 simple safety steps to help keep your holiday home safe.”
Use the following ten safety tips when decorating this year:
Trees and Decorations
When purchasing an artificial tree, DO look for the label "Fire Resistant." Although this label does not mean the tree won't catch fire, it does indicate the tree is more resistant to catching fire.
When purchasing a live tree, DO check for freshness. A fresh tree is green, needles are hard to pull from branches and do not break when bent between your fingers. The bottom of a fresh tree is sticky with resin, and when tapped on the ground, the tree should not lose many needles.
When setting up a tree at home, DO place it away from heat sources such as fireplaces, vents, and radiators. Because heated rooms dry out live trees rapidly, be sure to monitor water levels and keep the stand filled with water. Place the tree out of the way of traffic, and do not block doorways.
In homes with small children, DO take special care to avoid sharp, weighted or breakable decorations, keep trimmings with small removable parts out of the reach of children who could swallow or inhale small pieces, and avoid trimmings that resemble candy or food that may tempt a child to eat them.
Lights
Indoors or outside, DO use only lights that have been tested for safety by a nationally-recognized testing laboratory, such as UL or ETL/ITSNA.
Check each set of lights, new or old, for broken or cracked sockets, frayed or bare wires, or loose connections. Throw out damaged sets. DON’T use electric lights on a metallic tree.
If using an extension cord, DO make sure it is rated for the intended use.
When using lights outdoors, DO check labels to be sure the lights have been certified for outdoor use and only plug them into a ground-fault circuit interrupter (GFCI) protected receptacle or a portable GFCI.
Candles
Keep burning candles within sight. DO extinguish all candles before you go to bed, leave the room or leave the house.
DO keep lighted candles away from items that can catch fire and burn easily, such as trees, other evergreens, decorations, curtains and furniture.
__________________________________________________
Friday, November 20, 2009
Completeing Your Dream Home with the FHA 203K Loan!
Another challenge with the existing home inventory on the market is the condition of the property. Whether it is REOs, foreclosures, short sales, or not, less people are presenting homes for sale in pristine condition.
The FHA 203k loan can help. The 203k can give the buyer the ability to have one loan to purchase and renovate their home at the same time.
Similar to a traditional mortgage with a construction loan added on top, the 203k can be used for the following:
For more information on 203k loans in New York, please contact the following:
203k Contractor:
Company: Advanced Restoration Corporation
Contact: Gary Matzelle
Phone: (516) 903-4107
Email: gmatzelle@advancedrestoration.com
Mortgage Banker:
Company: Continental Home Loans
Contact: Robert Flower
Phone: (917) 584-9292
Email: rflower@cccmtg.com
Looking for REO/Foreclosures?
The REO People
Thomas Becker (Licensed Real Estate Salesperson)
Phone: (631) 873-8150
Email: tomsellinghomes@aol.com
The FHA 203k loan can help. The 203k can give the buyer the ability to have one loan to purchase and renovate their home at the same time.
Similar to a traditional mortgage with a construction loan added on top, the 203k can be used for the following:
- Remodeling bathrooms and kitchens (even built-in appliances)
- Replacing a roof, gutters and downspouts
- Adding a second story, afamily room,another bath, etc.
- Completing a basement or attic
- Upgrading plumbing, heating, air conditioning or electrical service
- Installing new siding, energy efficient windows and doors
- AND MUCH MORE!
For more information on 203k loans in New York, please contact the following:
203k Contractor:
Company: Advanced Restoration Corporation
Contact: Gary Matzelle
Phone: (516) 903-4107
Email: gmatzelle@advancedrestoration.com
Mortgage Banker:
Company: Continental Home Loans
Contact: Robert Flower
Phone: (917) 584-9292
Email: rflower@cccmtg.com
Looking for REO/Foreclosures?
The REO People
Thomas Becker (Licensed Real Estate Salesperson)
Phone: (631) 873-8150
Email: tomsellinghomes@aol.com
Friday, October 9, 2009
FHA 203k Loans Featured on NBC News4 New York!
NBC Reporter Lynda Baquero and
Gary Matzelle from Advanced Restoration Corp.
The homeowner in this story utilized the 203k loan program to renovate a home (located in Medford, New York) which needed $74,000 in repairs/restoration. The Section 203(k) program is HUD's (Housing and Urban Development) primary program for the rehabilitation and repair of single family properties.
With a 203k loan, the borrower can get just one mortgage loan, at a long-term fixed (or adjustable) rate, to finance both the acquisition and the rehabilitation of the property. To provide funds for the rehabilitation, the mortgage amount is based on the projected value of the property with the work completed, taking into account the cost of the work.
VIDEO: To view this story, please click here.
For more information on FHA 203k loans in New York, please contact:
Advanced Restoration Corporation (203k Contractor):
Gary Matzelle at (w) (800) 693-6263; (c) (516) 903-4107,
or email Gary at: gmatzelle@advancedrestoration.com
Continental Home Loans (FHA Approved Lender):
Wendy Doerzbacher at (w) (631) 390-6176; (c) 516 982-6339,
or email Wendy at: wendyd@cccmtg.com
Monday, September 28, 2009
Why Renovate With a 203K Streamlined Loan?
Because You Can!
I'll keep this very brief...
You are purchasing a home that needs minor repairs (repairs under $35,000 qualify for a streamlined loan). Incorporating the rehab into your mortgage payment allows you to have just one payment. Some highlights include:
I'll keep this very brief...
You are purchasing a home that needs minor repairs (repairs under $35,000 qualify for a streamlined loan). Incorporating the rehab into your mortgage payment allows you to have just one payment. Some highlights include:
- Loan amounts up to 110% of the home's appraised value; renovation amounts up to $35,000.
- No work write-up, no inspection required if repairs are less than $15,000 and no HUD consultant required.
- There is no longer a minimum of $5,000 in repairs for a 203K Streamline.
- On a 203K Streamline, up to 50% of the rehab amount can be requested immediately following the closing. After closing the work can start.
- For a 203K Streamline, there is a maximum of 2 draws per contractor.
- Loan can be used for many improvements, including repair/replacement of: roofs, plumbing, electrical, flooring, minor remodeling, windows, doors, etc.
- Available for mortgage refinance transactions including those where the property is owned free and clear.
Labels:
203(k) loan,
203k,
203k streamline,
advanced restoration,
buying a home,
disrepair,
fha,
foreclosure,
home repair,
hud,
mortgage,
rebuild,
rehab
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