Protecting Your Home From Fire
Getting a great mortgage rate, especially when it comes to constructing your own house, can take some investment and time. Not only do you have to invest time but you need to understand what you are doing.
Candles would be properly blown out before going to bed at night. Unfortunately, we don't live in a perfect world, and we often forget to take care of one small detail. The resulting fire damage is enough to change our lives forever. Accidents happen and there will always be a need to put these flames out.
Fortunately, homes can be restored or rebuilt with the right general contractor and damaged items can be replaced. Unfortunately, the lives of the people in your home are not restorable or replaceable.
So although you can't always protect your family by keeping the heater working right, or remembering to blow out the candle every night, you can do at least one thing to ensure the safety of your family, you can maintain your fire alarm and sprinkler system.
3. Call Around You should be calling around and finding your loan before you have begun looking at houses. This gives you more time to negotiate with banks and reduce the pressure you may feel. Now that you are actively seeking a deal you need to 4-5 different lenders. Call these different lenders and act for different quotes. In order to get the most accurate quotes from lenders you need to give them the most accurate information.
"Ma'am, I think I've found the source of the smell. Your gas is leaking. I've called the fire department and I'm gonna have to ask you to get the children and leave the home immediately until they come find out what's wrong."
4. Compare Quotes Take all of the information that you have collected from the lenders and set them next to each other. The lenders should also have sent you a GFE (Good-Faith-Estimate) and a TIL (Truth in Lending). The TIL amortizes the costs of the loan over the life of the mortgage rate. It takes theses costs and adds them to the interest rates giving you your APR (Annual Percentage Rate).
You are much more likely to hear the alarm if it's blaring in your ear, not when it quietly enters your dreams from down the hall. Test these alarms monthly. They also recommend installing ionization and photoelectric smoke alarms (or dual sensor smoke alarms).
Alarms that you know are working save lives. They give you proper warning. In contrast, two or three alarms you assume work that are scattered around the house endanger them.
If there was one thing you did to fight fires at home, it should at least be the proper maintenance of your smoke alarms (and sprinkler systems if you have them).
6. Authorize and Sign After having looked at all of the details you are ready to make your decision. If the details have changed be ready to walk away unless they give you what you agreed upon. Authorize the pull on your credit. Let the bank write up the agreement and make sure to read it in depth.
If you are in need of a general contractor in Blackfoot, Idaho, give MBA Construction a call. We have the skills and expertise to make your project a reality.
Candles would be properly blown out before going to bed at night. Unfortunately, we don't live in a perfect world, and we often forget to take care of one small detail. The resulting fire damage is enough to change our lives forever. Accidents happen and there will always be a need to put these flames out.
Fortunately, homes can be restored or rebuilt with the right general contractor and damaged items can be replaced. Unfortunately, the lives of the people in your home are not restorable or replaceable.
So although you can't always protect your family by keeping the heater working right, or remembering to blow out the candle every night, you can do at least one thing to ensure the safety of your family, you can maintain your fire alarm and sprinkler system.
3. Call Around You should be calling around and finding your loan before you have begun looking at houses. This gives you more time to negotiate with banks and reduce the pressure you may feel. Now that you are actively seeking a deal you need to 4-5 different lenders. Call these different lenders and act for different quotes. In order to get the most accurate quotes from lenders you need to give them the most accurate information.
"Ma'am, I think I've found the source of the smell. Your gas is leaking. I've called the fire department and I'm gonna have to ask you to get the children and leave the home immediately until they come find out what's wrong."
4. Compare Quotes Take all of the information that you have collected from the lenders and set them next to each other. The lenders should also have sent you a GFE (Good-Faith-Estimate) and a TIL (Truth in Lending). The TIL amortizes the costs of the loan over the life of the mortgage rate. It takes theses costs and adds them to the interest rates giving you your APR (Annual Percentage Rate).
You are much more likely to hear the alarm if it's blaring in your ear, not when it quietly enters your dreams from down the hall. Test these alarms monthly. They also recommend installing ionization and photoelectric smoke alarms (or dual sensor smoke alarms).
Alarms that you know are working save lives. They give you proper warning. In contrast, two or three alarms you assume work that are scattered around the house endanger them.
If there was one thing you did to fight fires at home, it should at least be the proper maintenance of your smoke alarms (and sprinkler systems if you have them).
6. Authorize and Sign After having looked at all of the details you are ready to make your decision. If the details have changed be ready to walk away unless they give you what you agreed upon. Authorize the pull on your credit. Let the bank write up the agreement and make sure to read it in depth.
If you are in need of a general contractor in Blackfoot, Idaho, give MBA Construction a call. We have the skills and expertise to make your project a reality.
About the Author:
MBA Construction, a general contractor in Saskatchewan Canada provides all types of construction. We focus on in design-build, build-to-print and commercial construction in the energy, industrial & medical industries.
posted by Vittoria @ January 20, 2014
0 Comments
0 Comments:
Post a Comment
Subscribe to Post Comments [Atom]
<< Home