Southern NH Pool Build
13 years ago
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- 13 years ago
- 13 years ago
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Construction Loan for Southern Indiana build
Comments (9)HoosierBred, I will let you know we just went through this entire process about 2 months ago, but we are located in Central Ohio. We went through First Federal of Lakewood, but I think they only service Ohio. It looks like you are going with local banks which from what we have learned is the best route because they offer the most competative rates! Our bank is giving us 1 year to complete our build, we closed on the loan on the 23rd of December. We ended up with a rate of 3.39% and that is during the build and will be our final rate after the home is complete. We wanted to get out of PMI with 10% down so they broke our loan into 2- which is 80/10 thats saving us 300 dollars a month on PMI. With our bank we did have to have a purchase agreement signed and the builder was involved with the financing because they had to have the floor plans and costs and upgrades so they could do a paper appraisal (this was a one time close.) The appraiser actually went to our builders model to see the finishes and the quality of build and our appraisal came in 57k over what we are paying for the home including land. Now also what I have found out is many places charge a higher interest rate during the build sometimes 5-6% because you are paying interest only during the build, and then will lock you in at what ever the current rate is at the completion of the home. I do suggest taking a look at many places and finding out how their programs are structured and then once you find one that works best for you then doing the application! We did look into farm credit, but their rates were higher thank FFL, and they required 20-30% down with a back end DTI of 36% and with our current car leases we were 3% away from that mark. As well we had 20-30% down but we wanted to set asside a bubble for overages and we are also wanting to put an inground pool in and didn't want to finance that portion because a pool really doesn't add much value, other than pleasure. Hope this helps some (sorry I am not in Southern IN) -Clayton...See MoreNew Pool Paver/Coping Qestion w/ pics
Comments (1)Hi MX702, we're in MA and doing the fall/spring build too. We're going with tecnobloc blu pavers and matching bullnose coping. I've seen some pools with similar set up and it looks great. search "southern NH pool build" on here and you'll see CNR's pool which is beautiful and uses the blu pavers/coping. Good luck!...See Morecalling cnr1089--southern New Hampshire pool
Comments (5)Thanks, cnr. We've had a heck of time finding anyone, expensive or not. Apparently a lot of places will only do new builds. We have had a repair bid from a Haverhill MA company called Triad Associates that we may go with but at some point may want to start from scratch. One of the things I love about your pool is how appropriately designed it is for the environment. Living in California, we tend to see pools with a more Mediterranean or Mexican feel to them which doesn't feel too New Hampshire-y to me so I clipped your pictures to keep as inspiration. We have always done our own opening and service, since we are there for a pretty short season right now so $375 seems a bit steep to me too! :-) Anyway, thanks for the response....See MoreBids on New Pool/Fall to Spring Build in Cold Climate (NH)
Comments (4)Ron168, I got 5 different bids, from SSG, Environmental Pools, Yankee Pool(Francestown, NH), Custom Pools(Portsmouth,NH), and Quality Pools (Nashua NH). I really liked the salesman from SSG and from Quality Pools. EP didn't show up but then called and gave me a quote over the phone. I had a hard time getting the quote from Custom Pools after they came over and they took forever to reply to any questions I emailed them. We heard some negatives about Yankee. The quote from EP was several thousand higher than all the rest. SSG was higher priced in all areas except the decking than QP but QP was willing to match the price. Also, QP came up with a good review at the BBB. They had 1 complaint that was resolved. I think that is a positive because no one is perfect and QP seems to be able to step up to the plate when a customer is unhappy. I am still calling references but one in particular not only had their pool built by them but did some electrical work on a commerical pool that QP built and was impressed with their work ethic. We haven't signed yet but plan to in the next few weeks. remcd88...See More- 13 years ago
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