The 10 Most Important Rules of Choosing and Dealing With a C
Article by: Razmik "Raz" Vartanian
Building your dream home , Landscaping Ideas: Using Landscaping Rock for Maximum Effect can quickly turn into a nightmare of unmet schedules, cost over runs, shabby workmanship and endless arguments.
I have been originating and closing construction loans for a good number of years now and I have experienced clients dumping contractors , Is Landscape Fabric Even Necessary In Landscaping? and even contractors , How to divide perennials dumping clients. By that time in most cases the job is running behind schedule and over budget. Choosing a new contractor , Locating Flower Delivery Services in Los Angeles at this stage is difficult and further delays are inevitable.
Spending a little more time and paying a little more attention to the process of choosing your contractor , 6 Indoor Plants That Love The Dark: A Tip From The Garden Center
Nursery can avoid all this.
In most cases the writing is on the wall , Mini Roses Are Going To Change The Look Of Your Home from the very first day, but wishful thinking gets in the way of logic, which leads to disaster , Plants For Establishing a Hedge in Doylestown Pa. down the road.
A good number of articles have been written on the subject, and you should try reading at least one or two well before making your choice of a contractor. , How to make your Backyard a Wonderland Oasis
This article is based on my experience and personal observations. You may whish to write the main points down and add others that I have not covered and indeed add to the list from your own experience of dealing with people. This way you will internalize the subject and become a naturally better judge of those you do business with.
During the processing of your construction loan, some information , 6 Indoor Plants That Love The Dark: A Tip From The Garden Center
Nursery is collected from the contractor , Easter Finery For Your Fireplace And Mantel: Springtime Deco but that should not stop you from your due diligence. Here is a list of items to check and to look out for:
1- If your state requires a state license, ask for the number. Don't stop at that. Call , Three Steps to an Environmentally Responsible Home the relevant state board and check on the license's status. You don't know who regulates contractors , A Smart Spin for the Container-Challenged in your state? Ask Him/Her. And pay attention to the reaction.
There is no need to be shy. A legitimate and honest businessman will have no problem providing the information. , How To Create An Oasis of Serenity With a Backyard Garden Hot
Tub We are involved in a highly regulated business and we proudly provide the relevant information , Online Gardening Catalogs At Your Disposal along with phone , How to divide perennials numbers and links to the state bodies on our About Us page.
2- Ask for references. Pay attention to the reaction. Too quick a reaction and fast talk is probably a lie and a bluff. Too cautious a reaction is a sign of uncertainty. In any event write the names and numbers down and do call , Native Plant and Tree List For the Doylestown, PA Area them. Go see them. Most people will actually welcome you simply to show off their achievement.
3- Are you building , Extending the living space outdoors – working with color a home , Don’t Let Sink Shopping be a ‘Draining’ Experience from the ground up? Make sure the contractor , CONSTRUCTION LOAN BASICS has built a complete project in the past. Experience counts; a ground up construction or a major remodel is a very different animal from room , Native Trees and Plants For Bedford County, PA and bathroom , How to make your Backyard a Wonderland Oasis additions.
4- Visit his/her place , The Advantages of Vinyl Gazebos of business. Not all contractors , Locating Flower Delivery Services in Los Angeles have an office, but you need to make sure you are not dealing with fly-by-night operation.
5- Your construction loan package will include paper work for the contractor , There Ain't No Such Thing As A Free Lunch - Hotmail to complete. How does he handle that? The following is a list of warning signs.
- Doesn't have the time to complete the lender's line item cost breakdown and insists on using his own.
- Doesn't understand why the lender should be asking for credit references.
- Doesn't see why the construction loan lender should need to see the construction contract?
- Insists that in his experience non of the above are necessary and that this lender don't know anything about construction loans.
6- Be wary of the contractor , Fertilizing to Create More Blossoms on Your Flowers, Flowering
Shrubs and Trees who prefers to give a "complete package" price. No construction lender will accept that and neither should you. The line item cost breakdown does not have to be completed on every single line, but the more the merrier. Read it carefully, it will dictate the quality of the home , Landscaping Ideas: Using Landscaping Rock for Maximum Effect you end up with.
7- Demand a material's list. You don't need the contractor , Extending the living space outdoors – working with color who doesn't have the time for this. Some lenders don't require this and when they do little attention is paid to it.
Insist on a complete list of all materials and fixtures. Go to the showrooms, choose them and list your choices by make, model and /or quality. This list should be signed by the contractor , EZ to Grow - The Eastern White Pine Tree and you and be made a part of the contract.
Saying "A good kitchen , Pressure Washing Decks will cost so many dollars per foot" doesn't mean much when you go to the showroom at the end of the project only to find out that you hate what the construction loan budget has allowed for.
8- As a part of the construction loan process the contractor , Is Landscape Fabric Even Necessary In Landscaping? will be asked to provide evidence of Liability Insurance as well as evidence of Workman's compensation.
He/She may very well not have Workman's Compensation Insurance if he/she does not directly employ anyone. However, complaints about Liability Insurance are a sure sign of trouble.
9- As material costs are rising, payment of deposits on some deliveries may be required by suppliers and some construction loans will allow that. But be aware of the contractor , Easy Steps to Composting who asks for up front money.
10- Construction loan disbursements are made in stages. Never ever pay a contractor , Pressure Washing Decks before your local , The 3 Types Of Roses county or city inspector has signed off on that stage. The lender's inspector only verifies percentage of completion not compliance, so his approval does not mean that your local , Roller Blinds authorities will also sign off.
Razmik "Raz" Vartanian
Construction Loans for Residential Properties. , Tips for Taking Care of Fine Wood Furniture
Expert Advice , Is Landscape Fabric Even Necessary In Landscaping? and Prompt Service.
About The Author
Razmik "Raz" Vartanian is a mortgage broker with some 20-years experience in the industry. Raz specializes in residential construction loans and as such is quoted in MSN's Money Central (http://moneycentral.msn.com/content/Banking/Homefinancing/P43586.aspis) and The Los Angeles Times.
Raz currently manages a mortgage company and is the Webmaster of http://www.constructionloancenter.com
Razmik "Raz" Vartanian
Construction Loans for Residential Properties. , Aluminium Conservatories
Expert Advice , Mini Roses Are Going To Change The Look Of Your Home and Prompt Service.
All Rights Reserved
This article may be reproduced provided it is done so intact. No changes , Fertilizing to Create More Blossoms on Your Flowers, Flowering
Shrubs and Trees are allowed.
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