Green Begins With Blue

With so many Green products and services being offered in the market place, sometimes it’s difficult to determine how these products represent a Green alternative to something that is less green or not Green at all.


While products designated as Organic are more readily understood to have been grown without the use of environmentally detrimental chemicals and additives, what determines a Green product’s Greenness may not be as apparent or even as narrowly defined as the term Organic is.


For example, just because a Green product is made from a plant doesn’t necessarily imply that the plant was grown organically. Bamboo is a great example; some products made from bamboo are considered Green because the alternative products are made from plants that take many multiples of time and resources to produce than bamboo plants does, making the bamboo product a much more sustainable(and less expensive) alternative.


So what does Green Building mean in the context of residential home construction?


The short answer is that Green begins with Blue, that is, the Blue Logo of EPA Energy Star® designation. So, at its core, Green Building adheres to the EPA’s standards of resource and performance efficient construction methodologies and product specifications.

 


ENERGY STAR is a joint program of the U.S. Environmental Protection Agency and the U.S. Department of Energy whose primary goal is to help the American public save money and protect the environment through energy efficient products and practices. In 2010 alone, the equivalent of 33 million cars’ worth of greenhouse gases was prevented from entering the atmosphere and Americans saved nearly $ 18 billion on utility bills.


ENERGY STAR also provides a home qualification system for those homes that it deems environmentally responsible, meaning the least possible impact on the environment is produced through construction, maintenance, and physical presence of the home. An ENERGY STAR qualified home can save the average homeowner $ 200-$ 400 a year on utility bills and keep up to 4,500 pounds of greenhouse gases out of the air.


ENERGY STAR employs many different techniques to keep its homes to environmentally responsible standards, such as:





* Energy-efficient construction techniques and products

* Improved indoor environments through environmentally preferable materials and building

practices

* Water-efficient products and processes

* Renewable energy options, when feasible

* Waste reduction and recycling during the construction process

* Smart growth and sustainable land development practices





ENERGY STAR products and building practices provide a solid foundation on which to build your own green, energy-efficient, environmentally responsible home.

 




Jeff Wiblitzhouser is a Green Remodeler and Builder of high-performance Energy Star and Green Building Certified homes. Specializing in integrating cost-effective energy efficient, healthy, and environmentally and socially responsible building materials and practices into residential construction. To learn more about green building and remodeling contact Jeff at 919-830-7218, go to his website, or email him here.

Jeff Wiblitzhouser – Green Bldr’s Posts – 919 Business Networking – Local Business Owners & Professionals

Green Flooring Alternative – Cork

Cork products are made by harvesting the bark of the Cork Oak tree.


Cork is considered to be a sustainable choice because removing the bark does not kill the tree or necessitate cutting the tree down. The bark from a single tree can be stripped from the trunk and lower branches every nine to twelve years, with the average number of harvests being between fifteen to twenty times over the course its lifetime. The alternative for most other wood flooring products require cutting a tree down (for example, oak), that can take up to a hundred years to replace.


Once the bark has been removed it is boiled to make it more malleable and less prone to breakage during the production process. Cork flooring is made from the scraps left over from the production of other products. These by-products are ground up, formed, and baked in large ovens.


Over half of the world’s cork comes from the Mediterranean Sea region. Portugal, Spain, Southern France, Italy, and North Africa are the largest producers, where the climate and soil conditions create a supple yet tough bark.

 


Cork is as versatile as it is beautiful. Modern manufacturing processes can compress the cork bark in different ways can produce a wide range of patterns and colors.


There are other advantages to buying cork flooring apart from its environmental sustainability and attractive appearance:

  • Less heat loss: Cork flooring thermally insulates your homes ground floors
  • Sound absorption: Cork absorbs sound waves and vibrations
  • Shock absorption: Cork absorbs shock, giving a softer feel and bounce to your floor
  • Durability: Cork is very durable, but is not recommended for high areas or where pets with claws are present (i.e. dogs and cats)
  • Rot-resistant: Natural cork contains a substance called suberin, which makes it rot-resistant and impermeable to liquids and gases. However, it is not recommended for areas that are subject to excessive moisture and humidity, such as a bathroom



Jeff Wiblitzhouser is a Green Remodeler and Builder of high-performance Energy Star and Green Building Certified homes. Specializing in integrating cost-effective energy efficient, healthy, and environmentally and socially responsible building materials and practices into residential construction. To learn more about green building and remodeling contact Jeff at 919-830-7218, go to his website, or email him here.

Jeff Wiblitzhouser – Green Bldr’s Posts – 919 Business Networking – Local Business Owners & Professionals

Green Flooring Alternative – Bamboo

Bamboo is an agricultural crop grown all over the world. It prefers warm, moist climates such as natural forests. 20% of the world’s natural bamboo comes from China, much of it wild. Increasingly it is being cultivated in managed forests and is emerging as an important natural resource and source of income in struggling economies throughout Asia.



Bamboo is a member of the grass family. It has several unique characteristics, including:


• It is a rapidly growing invasive plant – it can grow up to 65 feet or more in height within a span of four years

• Cutting does not kill or damage the roots of the plant, and as such it can quickly regenerate to be harvested again

• Its extensive root system not only makes bamboo more adaptable to environmental conditions, but it also helps in areas prone to soil erosion by keeping the soil in place







Though there are many species of bamboo, Moso bamboo is the most widely used for flooring. Moso bamboo is grown for 6 years to ensure maximum strength; only the base of the stalk is used for flooring production. The rest of the stalk goes towards other consumer products such as chopsticks, blinds, and paper.







Though there are many species of bamboo, Moso bamboo is the most widely used for flooring. Moso bamboo is grown for 6 years to ensure maximum strength; only the base of the stalk is used for flooring production. The rest of the stalk goes towards other consumer products such as chopsticks, blinds, and paper.







Manufacturing Process



After harvesting, the bamboo stalks are cut into long segments and are thoroughly sterilized, then placed in a specialized oven to dry and cure. They are sorted according to strict guidelines, and the approved pieces are stacked, coated with an environmentally safe adhesive, pressed, and cut into panels to form flooring planks.







Green Features of Bamboo Flooring



Eco-friendly: Natural bamboo is renewably, recyclable, and biodegradable, making it a superior choice for sustainable architecture

Durable: Natural bamboo is 27% harder than oak and 13% harder than maple. It complex fiber system makes it less water permeable than traditional wood flooring, lengthening the life of the floor.

Natural Beauty: The unique appearance of natural bamboo compliments a variety of décor and design styles, making it a versatile flooring choice





Jeff Wiblitzhouser is a Green Remodeler and Builder of high-performance Energy Star and Green Building Certified homes. Specializing in integrating cost-effective energy efficient, healthy, and environmentally and socially responsible building materials and practices into residential construction. To learn more about green building and remodeling contact Jeff at 919-830-7218, go to his website, or email him here.

Jeff Wiblitzhouser – Green Bldr’s Posts – 919 Business Networking – Local Business Owners & Professionals

Don’t Buy a Foreclosed Home Or Short Sale Property in Raleigh Without Reading This

The FHA 203k Renovation Loan, the Unsung (and little known) Hero of the Existing Home Sales Mortgage Loan Market

 
Every once in a while, a Government-backed program designed to help millions of average Americans goes unnoticed and under-utilized, largely because of a lack of public information servicing, as well as misunderstanding and misconceptions about the program. The FHA 203k Rehabilitation Loan is just such an unknown gem.


What is an FHA 203k Mortgage Loan?
The FHA 203k Loan is designed to provide cash to repair, renovate, or remodel an owner-occupied residential home. It can also be used for multi-unit residential rental properties of three or less units, as long as one of the units is owner-occupied. The home’s value must come in under or at the FHA Loan limits established for the County that the home is located in, and must also conform to minimum HUD standards.
The loan’s amount is based on the mortgage amount plus the amount of added appraised valued to the property that will be realized once the renovation or remodeling projects have been completed, thereby providing much needed cash to complete the construction projects.
The loans aren’t offered by all Mortgage Lenders, and each Lender has established the guidelines under which they will offer the loan.


What Can the FHA 203k Mortgage Loan be Used For?
The FHA 203k Rehabilitation Loan can be used for a wide range of residential property improvements including bringing the home up to the latest trends and styles in kitchens and bath design, completing exterior or interior repairs, replacing old appliances with new Energy Star appliances and HVAC systems, undergoing complete renovations and additions, replacing flooring, and even landscaping. There are a small number of “luxury item” exclusions, such as hot tubs and swimming pools (although some maintenance and repairs are covered).
There are two versions of the loan; a “Streamlined” loan which can provide up to $ 35,000 of cash to make “non-structural” repairs and improvements, and the “Full” loan which covers a broader range products and services and can provide cash of up to 35% of the property’s appraised value (including the value of the improvements being made). Your Mortgage Lender can help you decide which loan is best for your particular situation.


Why the 203k is a Loan for Our Time (A Rare Source of Renovation Financing)
The FHA 203k loan helps solve a major problem facing the current residential real estate market; how to accelerate the sale (and removal) of these distressed properties from the sales inventory.

A large percentage of the current existing home sales market comprised of “Distressed Properties”. These include not only homes that have been foreclosed on and are now bank owned, but also homes that are being marketed under a “short sale” agreement with the financial institution that holds the note on the home.

Many of these homes suffer deterioration due to being un-occupied, as well as having regular maintenance that was never performed on  the home. There are also instances these types of properties that have become victim to vandalism.

Even if these homes have been reasonably maintained, they generally fall outside of the current kitchen and bath design trends and styles. This makes them an extremely attractive bargain, because these types of projects add the most “bang for the buck” and greatly increase the likelihood that the remodeling projects will add substantially to the appraised value of the property after taking into account the improvements.

The FHA 203 loan is a fantastic option for financing remodeling and repair projects at a time when limited solutions exist in the market place that provide cash for these purposes. What’s more The FHA 203k loan can not only be used to purchase a home and finance improvements, but can be used to re-finance an existing home and provide cash to do all of the same types of constructions projects.

 

 

Why Waiting to Renovate Often Translates into Never Renovating

The vast majority of remodeling and repair projects fail to be funded to completion or ever undertaken  at all. It is very difficult for the average homeowner to finance large projects with cash reserves, primarily because of the many competing priorities on the family’s finances and cash.

Consequently, those projects that can add many years of enjoyment and utility to one’s home never materialize. What’s more, ongoing maintenance and repairs often get deferred, resulting in larger and more expensive repair projects that occur due to added years of destructive weather and pest damage.

The absolute best time to  renovate your home is at the beginning of your ownership. This is the time when you are taking the home that you purchased and molding it into your lifestyle and furnishings. Create your Perfect Paradise by integrating remodel projects into your other move-in projects, and then sit back and enjoy the home paradise that you’ve custom-tailored to meet your standards and desires.

 

Jeff Wiblitzhouser is a Licensed General Contractor and Predient of Paradise Re-Found, LLC, and leads a group of Industry Professionals who are passionate about helping home owners take advantage of this incredible financing tool. Visit his website to learn more about the FHA 203k Loan and The Simple Home Renovation Loan Group or dowload their brochure. 

Jeff Wiblitzhouser – Green Bldr’s Posts – 919 Business Networking – Local Business Owners & Professionals

HUD Offers REO Homes for $100 Down in NC that Qualify for 203k Loans!!

HUD Offers REO Homes for $ 100 Down in Select States

HUD has approved a program aimed at putting foreclosed homes back into the hands of owner-occupant buyers.

In select states, from now into October of next year, buyers need a down payment of only $ 100 to purchase a HUD-owned REO home.


The buyer must be an owner-occupant, utilizing financing insured by the Federal Housing Administration (FHA). Standard FHA underwriting guidelines apply, and the sale must be for the full amount of the current list price.

The $ 100 down payment incentive program has been approved for two of HUD’s four national regions – the regions managed by the Denver Homeownership Center and the Atlanta Homeownership Center. HUD homes in the states listed, as well as the Caribbean are currently eligible for the program.


Denver Homeownership Center’s Jurisdiction:
• Arkansas
• Colorado
• Iowa
• Kansas
• Louisiana
• Missouri
• Minnesota
• Montana
• Nebraska
• New Mexico
• North Dakota
• Oklahoma
• South Dakota
• Texas
• Wisconsin
• Wyoming
• Utah


Atlanta Homeownership Center’s Jurisdiction:
• Alabama
• Florida
• Georgia
• Kentucky
• Illinois
• Indiana
• Mississippi
• North Carolina
• South Carolina
• Tennessee
• Caribbean

 


HUD’s $ 100 down payment incentive program can also be applied to an FHA 203k loan, which can be used to fund repairs and renovations on the home. The 203k program allows buyers to finance both the mortgage and additional money for rehabilitation needs with a single government-insured loan.


Matt Martin, CEO of Matt Martin Real Estate Management (MMREM), says this is one of the most exciting features of the new incentive program and should drive a lot of exposure to FHA’s 203k offering.

 
MMREM is under contract with HUD to assist with disposition sales of its repossessed homes. MMREM handles properties throughout 16 states, or about a third of HUD’s REO portfolio.


With an FHA 203k loan, “buyers can find a property that needs some TLC, fix it up however they want to, and finance the whole thing for $ 100,” Martin explained.


“MMREM is excited to work with this recent initiative, in a way that it supports putting HUD homes back into the hands of homeowners,” Martin said.


In addition to $ 100 down instead of FHA’s typical 3.5 percent down payment, HUD says it will also cover up to 3 percent of the closing costs in most cases.

Jeff Wiblitzhouser – Green Bldr’s Posts – 919 Business Networking – Local Business Owners & Professionals