Veterans applying For VA Home Loans

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f2edd92332d3a45f11838ed4443ec845 Veterans applying For VA Home Loans are often not sure if they would qualify for a VA new home loan or not. Here is some information that will hopefully assist those who may be considering buying a new home and using their VA benefits.

You may be eligible for a VA Home loan if:

You served at least 90 days of continuous active duty during World War II, the Korean War, the Vietnam Way or the Gulf Wars and you were discharged honorably.

You served at least 181 days of continuous active duty during any peacetime period, and you were discharged honorably.

You have served 181 days unless discharged or separated from a previous qualifying period of active duty service.

You completed a total of 6 years in the Selected Reserves or National Guard was discharged with an honorable discharge, placed on the retired list, was transferred to the Standby Reserve or continue to serve in the Selected Reserves.

You still may be eligible if you completed less than 6 years if you were discharged for a service-connected disability.

You may also be determined eligible if you are an un-remarried spouse of a veteran who died while in service or from a service connected disability, or you are a spouse of a service person missing in action or a prisoner of war

There have also been special eligibility requirements established for certain United States citizens such as Public Health Service officers, Cadets in the United States Military, Air Force, or Coast Guard Academy Cadets, midshipmen at the United States Naval Academy, officers of National Oceanic & Atmospheric Administration, and others.

For more information, go to http://www.benefits.va.gov/homeloans/

Honoring Our Vets.
‘Joe Montegna’ Honoring Our Vets.

Your Lot or Ours Pinellas County

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Mick McKenzie owner of American Housing BuildersYour Lot or Ours Pinellas County. American Housing Builders has been building new homes, on “Your Lot or Ours” for over 25 years in Pinellas County and Tampa Bay area.

My name is Mick McKenzie, and I am president and owner of American Housing Builders II, Inc. I am a third generation home builder and I have been building quality homes at affordable prices since 1978, and whew, that’s a long time ago.

Today, because of the personal attention we give and the dedicated teamwork we provide, we continue to build a great home at an affordable price. We deliver the best possible customer service and we provide the finest customer satisfaction as we can to our valued customers. And let me tell you, we do appreciate our valued customers.

American Housing Builders is known throughout the various communities within the Tampa Bay area as a quality builder. We are known for our exceptional integrity because we provide our customers with an exceptional product.

We treat every customer like they are family and we try and to build every home to suit each family’s lifestyle. From concept to completion, our homes are designed and built to fit individual budgets, while at the same time, we provide a home that a customers will be proud of for years to come.

Currently, we have several homes under construction that are available to purchase, and we have many available building lots that are ready to build on.

So, if you would like more information on our beautiful new homes and our available lots, please contact Jim Pelosi, sales manager for American Housing, at 727-546-6611 or call him directly on his cell at 727-458-6296. Thank you for stopping by, we look forward to serving you.

New Homes Prices Tampa Bay

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Family enjoying new American Housing Builders HomeNew Home Prices in the Tampa Bay area by American Housing Builders in St Petersburg and Clearwater Fl, have changed considerably from the new homes we were building in Pinellas and Hillsborough Counties just a few of years ago. They’re a little smaller, more efficient and in some ways, more affordable.

According to new data provided by the National Association of Home Builders, NAHB, new homes being built today are not only about 10% smaller than homes built just a few years ago, they also include kitchens, bathrooms and bedrooms that have become more compact, more open and more functional. We are seeing fewer and fewer formal living rooms and we are seeing a lot less wasted space.

With that said, you are still likely to find a double sink, recessed lighting, and a table space for eating in the kitchen, but because people are buying more foods in bulk, you may also find a walk-in pantry.

In the master bedroom, you are apt to find a walk-in closet along with a double vanity and a garden tub with a separate shower in the master bathroom.

Because energy costs are continuing to rise, American Housing Homes are being built with low-e windows, programmable thermostats, more efficient wall and ceiling insulation, an “Energy Star” dishwasher and an “Energy Star” Heat Pump. It is not necessarily a “green” thing; it is just common sense. The more energy efficient a home is, the more money it will save the you in the years to come.

It’s never easy to anticipate exactly what a new home buyer is looking for in a new home, but American Housing Builders II, Inc continues to research the market and continues to try and stay ahead of the curve to make our homes more practical, more energy efficient, more competitive and more affordable. We also make sure the home you buy today will be more desirable in the future, should you choose to sell your home.

Mick McKenzie, the owner of American Housing Builders II, Inc. is a third generation builder who has been building new homes in the Pinellas County area for over thirty five years. American Housing has the experience, the knowledge and the professionalism to make the new home buying, and home building experience a pleasurable one.

Although American Housing usually has new homes ready to move in, we also have many plans to choose from that can be modified to suit you and your family’s lifestyle. We can customize any plan and will build you your new home on one of our many available lots or on your lot.

For more information on new homes by American Housing Builders II, Inc, please contact Jim Pelosi with American Housing Realty at 727-546-6611, or email him at AmhousingJim@gmail.com or call him direct at 727-458-6296. Jim will make sure you’re given the attention you deserve in your new home buying experience.

Home Prices Are Going Up

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This is a just released article from the National Association of Home Builders

U.S. home resales rebounded more than expected in March as supply improved, suggesting the housing market recovery remained intact despite signs that economic growth probably stalled in the first Home Prices are going up quarter.

The sales surge at the start of the spring selling season was a sign of confidence in the economy, and the momentum is expected to be sustained given low mortgage rates, recent stock market gains and a firming labor market, analysts said.

“There cannot be too much wrong with the economy if consumers keep buying new homes. It shows confidence,” said Chris Rupkey, chief economist at MUFG Union Bank in New York.

The National Association of Realtors said on Wednesday that existing home sales surged 5.1 percent to an annual rate of 5.33 million units last month, beating economists’ expectations for a 3.5 percent increase. Sales were up 1.5 percent from a year ago.

Existing home sales rose in all four regions in March, jumping by 11.1 percent in the Northeast and 9.8 percent in the Midwest. Single-family home sales vaulted 5.5 percent, while purchases of condominiums rose 1.8 percent.

Sales were concentrated in the middle part of the market, with lack of inventory constraining transactions in the low-end segment.

“It points to a very strong start to the crucial spring selling season, and initial anecdotal indications point to this positive momentum being sustained in coming months,” said Millan Mulraine, chief economist at TD Securities in New York.

A separate report from the Mortgage Bankers Association showed mortgage applications last week rose to their highest level in nine weeks as interest rates on 30-year fixed-rate mortgages hovered at their lowest point in more than a year.

BRIGHT SPOT

Despite a report on Tuesday showing a plunge in housing starts and building permits in March, housing remains a bright spot amid indications that economic growth slowed to a crawl in the first three months of the year.

The economy has been hobbled by a strong dollar and weak global demand, which have undermined exports. Lower oil prices are also a drag, as they have eroded the profits of energy firms and prompted them to slash spending on capital projects.

First-quarter gross domestic product growth estimates are currently as low as a 0.2 percent annualized rate. The economy grew at a 1.4 percent rate in the fourth quarter.

In the wake of the housing data, the PHLX housing index .HGX rose 0.23 percent, in line with a firmer U.S. stock market. Shares in the nation’s largest homebuilder, D.R. Horton Inc (DHI.N), gained 0.47 percent and shares of Lennar Corp (LEN.N) rose 0.59 percent. The dollar .DXY was up against a basket of currencies, while prices for U.S. government debt fell.

Housing is being supported by a buoyant labor market, which has resulted in an acceleration in household formation. Sales, however, remain constrained by a dearth of homes available for sale, which is limiting choices for buyers.

While the number of unsold homes on the market in March rose 5.9 percent from February to 1.98 million units, supply was down 1.5 percent from a year ago.

With inventories tight, houses are selling fast. In March, houses typically stayed on the market for 47 days, the fewest number since August, and down from 59 days in February.

“The quickening speed of inventory movement is a reflection of demand growing faster than supply,” said Jonathan Smoke, chief economist at Realtor.com in Washington. “The majority of buyers … are looking to buy within the next six months, but the biggest challenge is the tight supply.”

At March’s sales pace, it would take 4.5 months to clear the stock of houses on the market, up from 4.4 months in February. A six-month supply is viewed as a healthy balance between supply and demand. The median house price increased 5.7 percent from a year ago to $222,700 last month. The rise in house prices is outstripping wage gains. While that could make it more difficult for first-time buyers to purchase a home, it also is boosting equity for homeowners, which could encourage them to put their homes on the market.

New Home Builders St Petersburg FL

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A recent Nielsen Survey says the reason homebuyers prefer a new home, is they get exactly what they want in a home. American Housing Builders 2 in St Petersburg, will build your plan or one of their beautiful custom models. They’ll also customize their existing floor plans to meet your needs.

New Home Builders St Petersburg FL | American Housing Builders Jackson Model Home
Jackson Model

American Housing Builders 2 home designers, make use of their beautiful showroom, so you can choose your favorite cabinets, bath and kitchen countertops, appliances, carpets and flooring. You can also choose bath and kitchen fixtures, lighting and other options just the way you like. Your new home can reflect your taste and style and you’ll also be surprised how inexpensive your dream home can be.

If you want a huge master bedroom in your new home, with an attached office, you can have it. How about huge his and her walk-in closets? Clear story ceilings in your living room with huge skylights, go-for-it!  A large sitting room with a fireplace and French doors with a view of your new pool! American Housing Builders has a floor plan to match this dream or we’ll build your floor plan on your lot or one of our beautiful building lots in Pinellas and Hillsborough Counties.

American Housing Builders 2 offers you the Best New Home Warranty in the Business! Your new home and all the extras you’ve been adding are covered under our great home warranty.Your new home from American Housing Builders 2 will feature the latest designs and building materials available and you’ll have years of worry free comfort and enjoyment, without thinking about the cost of replacement.

Energy Savings in a new home are dramatic, because of the new green building options and other advancements in building materials. Older homes have energy-wasting single-pane windows as opposed to double or even triple-pane windows which are now required in new homes in Florida. A new home will keep you from losing energy and money in the winter and the hot summers in Florida.

New Homes are also controlled by computers which make it easy to own and operate your home, even if you’re not there. Come into our showroom in Pinellas Park and let us show you all of the cutting-edge building products that require less care and maintenance, which makes owning your home easy, because all of new home building systems and components are now  designed and engineered to work together to make your life worry free.

American Housing Builders 2 has beautiful building lots in great communities available in many of Pinellas County’s, finest communities. Most of the homes we build are in master-planned communities with resort-style community centers, pools and clubhouses and in some of the best school districts and conveniently located shopping near your new home.

Technology makes owning and managing your new home easy. You’ll get new high-performance windows, appliances, cabinets and countertops, with energy efficient high ceilings that you won’t find in older homes. American Housing Builders 2 is always looking for new ways to make living your new home more comfortable and affordable.

Your new home is much safer, with state-of-the-art circuit breakers, electric garage door openers with infrared beams, that will stop if anything or anyone is too near. Furnaces and air conditioners using environmentally-friendly coolants, Kitchen and Bathroom Cabinets, including beautiful carpets and paints that are environmentally friendly, so you’’ll be doing your part to make this a better world for you and your children.

Live your dream in your dream home: not someone Else’s dream home. We can help you build it and it’s affordable and it’s waiting for you at American Housing Builders 2.

Contact American Housing Builders2 at 727.546.56611 for a free consultation. Remember we’ll build your home with your plans, or our plans, on your lot, or on one of our lots in some of Pinellas and Hillsborough Counties finest communities.

Florida Home Plans

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Florida Home Plans- Reagan Model
Reagan

Florida Home Plans are an important consideration, and American Housing Builders II is constantly designing new “Florida Home Plans” and improving existing floor plans so you can find exactly the right home for you and your family.

American Housing Builders II, Inc. has been building new homes in the Pinellas County and Tampa Bay area featuring home plans that are perfect for our climate. Our Florida Home Plans feature homes with indoor and outdoor living spaces, generous sized master suites, functional and beautifully designed bathrooms along with open kitchens that offer you, your family, and your guests a warm and comfortable place to gather, relax and to cook large or intimate meals.

One of the nicest features we provide at American Housing, is the opportunity for you to meet with our design coordinator in order to make your new home a special place that suits your family’s needs and lifestyle.

Home Plans -Reagan model home
Florida Home Plans for Reagan custom home

American Housing Builders II have many different floor plans to choose from and they are designed for families of all sizes and lifestyles. So, whether you are just starting out in life, have school aged children, or are retired and living the good life, our homes are designed to reflect all aspects of family life.

Florida Housing Builders builds masonry homes that are constructed of block with stucco exterior walls. Our Standard Specifications include hip roofs, a covered front entry, low-e vinyl thermal windows, 30 year dimensional roofing shingles and fiberglass exterior doors.

American Housing Builders II homes also come with many built in energy efficient features such as “Energy Star” heat pumps to help fight that intense Florida heat, “Energy Star” dishwashers to help keep your dishes clean with little adverse effect on the environment.

Florida home plans should also use R-8 block wall foam insulation with an R-4.1 reflective foil and R-38 ceiling insulation to help keep your air conditioning and heating equipment running efficiently.

For more information on our new homes, you can call us at 727-546-6611 or simply go to the “Contact Us” page of this website.

Frequently Asked Questions

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question1. What is an escrow?
Very simply defined, an escrow is a contractual arrangement in which a third party receives and disburses money with the disbursement of funds dependent on conditions agreed to and met by the transacting parties.

2. How does assessed value differ from appraised value?
Assessed Value is a value placed on a property by a public tax assessor for the purposes of taxation. Your property taxes will be based on this value.

Appraised Value is the value placed on a property by an appraiser, recognized for experience in a particular field. Lenders, such as banks and mortgage companies use this value for lending.
3. What is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance is an insurance policy used as a protection for lenders against borrower default. It is paid for by the borrower and usually required when the down payment is less than 20% of the purchase price. Most lenders will make this part of the monthly payment.

4. Does American Housing work with Realtors?
Absolutely. We are very Realtor friendly and have an ongoing Realtor program that many Realtors appreciate. Realtors should register their clients on their first visit to our Model, Office or Design Center.
5. Do I need a Realtor?
You do not need a Realtor to purchase an American Housing home.
6. How are my property taxes figured and how much will I have to pay?
Taxes are usually based on assessed value of the home and the millage rate of the municipality that the property is located in. A title company can usually give you an estimate on that.

7. What insurances will I need and how much will I have to pay?
You will need homeowner’s insurance. You can usually get a quote from any reputable insurance company.

8. What is Homestead Exemption and how does it work?
Florida’s Homestead Exemption is one of the most protective property provisions in the country. This provision applies automatically upon purchasing a primary residence in the State of Florida, but to reap the tax assessment benefits it must be claimed by a filing with the state. When someone owns property and makes it his or her permanent residence, the property owner may be eligible to receive a homestead exemption of the first $25,000 of the assessed value, which applies to all property taxes. However, this exemption can be lost if the homeowner abandons use of the homestead as a primary residence. For more detailed information, contact your local Property Appraiser’s office.

9. What is the advantage of investing in a new home rather than an existing home?
There are many advantages when you invest in a new home; these are just a couple;

• American Housing new homes come with a limited 10 year structural warranty!
• You can usually save money on you home owners insurance!
• Ease of maintenance can save you lots of money!
• American Housing new homes are much more energy efficient!
• Healthier materials are now being used in all American Housing new homes!
• American Housing homes are built with stronger protection against storms.
• American Housing new homes are built for more comfort with better insulation.
• Remember, in a New American Housing Home, everything is new from the Foundation to the Roof, to the Landscaping!

 

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