An Introduction to
Charter Funding Construction Loans
In case you have not dealt with, or heard of, Charter Funding Construction Loans, here is a short informational message that will explain why we are construction specialists and perhaps why you should be working with us.
As you may know, when you are looking for a construction loan, you certainly should be working with a company that specializes with construction loans. A standard bank or mortgage loan company can provide you with the money to start the process but, will they completely understand the intricate details to make sure that you have enough money, a loan for a long enough period of time, and will they know what to do if a problem occurs during construction? Most standard lending companies will not. At Charter Funding Construction Loans, the sometimes complicated process of securing a construction loan is our main focus. We are construction loan experts. Contact us now!
A few points of information to be aware of regarding our company:
- Currently, we loan in all 50 states.
- We access three different lending organizations in order to find the lowest rate and best loan option for your project.
- In most cases, we can pre-qualify you the same day we receive your information.
- We have created a very detailed system of budgeting the overall cost of your project to see if it will work with the loan amount that you’ve qualified for.
- Once you’ve secured your loan, and you project has begun, we utilize an internal worksheet that tracks your money which helps to insure that you stay on track and under budget.
- We have extensive builder experience through COBS Homes (see below).
Along with that, we provide an immense amount of backup services through our additional expertise via our “sister” company COBS Homes. Please take a moment to visit their website at www.cobshomes.com. Through our services at COBS Homes, we provide the following additional avenues of support such as home plans, CAD design, material takeoffs, subcontractor relationships, building material and product purchasing, kitchen design, and completing the building process. After reviewing the COBS Homes information you will understand why we are a better option than the rest due to our complete focus on construction loans, the construction process, builder relationships, and completing construction.
The process of construction is not always an easy process to work through; in fact, many times it can be extremely difficult and stressful. By taking advantage of the services that we provide you, can drastically reduce the potential for a frustrating construction experience.
Contact us at Charter Funding Construction Loans to discuss your options and allow us to find you the lowest loan interest rate possible so you can start construction on your dream home. We will help you get it done! Contact us now!
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Kitchen Design Utilizing the Skills of Our
Certified Kitchen Design Expert (NKBA)
Building a new home entails even more decision making than a remodel. Unlike buying a car, which is basically complete after you have chosen the make and model, your remodeling project will be more of an evolution than an event – this certainly applies to the design of your future kitchen.
The whole process can become quite overwhelming. That is where working with an NKBA Certified Kitchen Designer can help ease the stress and anxiety that usually accompanies these projects.
Custom cabinetry projects get more involved because of the number of different products (cabinets, appliances, floor and wall coverings, lighting and plumbing fixtures, counters, etc.) as well as the number of options and color choices within each product category.
So where do you start? First, gather information about what styles and products you like. Use kitchen and bath magazines as well as decorating and remodeling magazines to find pictures of what you like (as well as what you do not like). You can use these pictures to help you and your designer create the project you envision.
Planning - six to eight months before you are ready to start the installation of your project, you will want to begin the selection process. It is important to establish a budget so that your designer can help steer you towards products that will allow you to stay within it. Just like houses, custom cabinetry projects come in all shapes, sizes, and prices, so it's important to know approximately how much you want to invest before you start.
After the decisions have been made and the products ordered, there is usually a wait of 4 to 6 weeks on semi-custom cabinetry. When the cabinetry arrives, the most challenging part of the project begins: installation. The labor for these needs to be addressed early on in the process to be included in the overall budget. Contact us now!
Because most of us have a hard time imagining the final results with a lone cabinet hanging on the wall, we must be careful to allow the process to evolve. My advice for a successful project is to work with professionals. Be patient. Take deep breaths. Understand that the process can be much like a rollercoaster. However, in the end, you’ll have a beautiful project that fits your needs, style, and budget.
While cabinetry is usually the largest single cost in most projects, the additional elements can cause the package price to vary dramatically. Were you to select free standing appliances, vinyl floors, and laminate counters, you might range from $8,000 to $12,000 in additional costs.
However, using top of the line, built-in appliances, wood, cork, or tile flooring, and solid surface or granite counters, that number could reach $22,000 to $28,000 or higher. It is impossible to give "ball park" estimates on installation because so many variables and unknowns are involved (plumbing, electrical, heating/cooling, ventilation, structural changes, etc.). Again, planning and budgeting – we can help!
COBS can help you with a Certified Kitchen Designer on the planning and design of your kitchen; they will interview you to identify your needs and wants.
The following is a list of questions designed to make you stop, look ahead, and think about, the budget, timeline, function and, of course, the wonderful end-result.
- What is it about the house plan you selected that appeals to you?
- What is your overall kitchen style?
- What type of wood will you select for your new cabinets?
- Do you have china and/or collectibles you want to display in open units or glass door cabinets?
- What type of door style will you choose?
- What stain or color will you choose?
- What is your lifestyle? Do you spend a lot of time in the kitchen?
- Do you entertain frequently? When you do, is the kitchen the focal point?
- Will you need a sit-down eating area in the kitchen?
- How much pots-and-pans storage do you need?
- Will all of your reserve food storage be held in your kitchen?
- Do you eat most of your meals as a family or in smaller groups?
Contact our NKBA Certified Kitchen Design expert today to get started today. Reach out to Darla Kennedy through e-mail at
Title 24 is an energy efficiency state building code standard for California, covering: building envelope and components, mechanical systems, lighting systems, and water heating.
Many other states have Energy Efficiency Compliance regulations as well. Be sure to check with your local Building Department for guidelines and restrictions.
Title 24 compliance documentation needs to be submitted to the building department, prior to the issuance of building permits, when building either a new home or adding an addition to an existing home.
You need to supply a complete set of plans for your new home or addition. It is best to provide a set of plans that you do not expect to get back. The plans should include:
The best time to submit your plans is when you have made all of the decisions about your building project. It is best to decide how you intend to heat your home, whether it is forced air or radiant floor, as well as whether you will have air conditioning or not. Typically, Title 24 calculations are one of the last things you should do before submitting your plans to the building department for approval. Contact us now!
