Waldo Gallery
There are two types of homes: those built to minimum code standards and those built to “above code” standards verified by the BUILT TO SAVE® Program to
TOP THEM ALL
The only thing that should be MINIMUM in your new home is your energy cost.
Choose a builder committed to building to the “above-code” standards of the BUILT TO SAVE® high-performance home program. Their homes are inspected, tested, and verified by an independent third-party home energy Rater.
You’ll save more on utilities, enjoy better indoor air quality, more comfort, and higher resale value over a similar home built to minimum code. See pages 24-25 for a list of participating builders.
840 N. Cage Blvd. Pharr, TX 78577
1421 E. Nolana McAllen, TX 78504
320 E. University Edinburg, TX 78539
2000 N. Conway Ave. Mission, TX 78573
300 E. King Ave. Kingsville, TX 78363
1500 N. Smith Hebbronville, TX 78361
CONSTRUCTION LOANS ARE OUR SPECIALTY
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With our trusted, friendly, fast, and efficient service, we have earned the reputation for being a preferred mortgage lender Builders and mortgage professionals rely on us for construction loans with competitive rates, smoother closings, and exceptional service. If you’re building a home, give our loan specialists a call and experience their excellent reputation firsthand.
Contents
HOMEBUYING ADVICE
Know How to Hire a Quality Builder
Choosing the right builder is key to constructing your dream home. This article will help you identify a quality builder for a stress-free home building experience.
Guide to Building Your Dream Home
This guide provides essential steps from financing to construction to move-in, ensuring you make informed decisions to bring your vision to life efficiently and effectively.
FINANCING
Financing Made Easy
Understand your finances, set a realistic budget, explore mortgage options, and consult with experts to navigate the homeownership process confidently. Staying informed and prepared is essential.
Borrower’s Checklist
Purchasing a new home is thrilling but challenging, especially securing a mortgage. Being prepared with the necessary documents simplifies the process and improves loan terms.
COVER FEATURE
Since 2004, Waldo Homes has earned a reputation for building awe-inspiring, unique, and luxurious award-winning homes in the Rio Grande Valley.
See pages 6-7
ENERGY EFFICIENCY
Rise Above the Rest
Most homes are built to minimum code standards which is the basic standard required by law. Don’t settle for the minimum. Aim for superior highperformance standards.
Superior High-Performance Home Builders
The builders listed here are members of the BUILT TO SAVE® High-Performance Home Program and use licensed third-party independent home energy Raters to verifiy their home’s energy efficiency.
Materiales El Valle Supports BUILT TO SAVE®
Home builders can receive store credit from the Rio Grande Valley’s leading supplier of tile and natural stone products by joining the BUILT TO SAVE® program and verifying their homes as “High Performance.” Find out how.
High-Performance Home Verifications
Learn how high-performance home verifications ensure significant savings and long-term benefits, emphasizing energy efficiency, comfort, and indoor air quality to enhance your living experience and reduce environmental impact.
NEW HOME COMMUNITIES
New Home Community Map
Color-coded maps with a listing of new home communities in the Upper and Mid-Valley areas of the Rio Grande Valley in South Texas.
PUBLISHER
photography, artwork, and editorial content printed in NHG are copyrighted material and may not be duplicated or reprinted without express written permission. NHG and Across Media Marketing, LLC. are not responsible for typographical or production errors, or for the accuracy of information provided by the advertisers. Opinions expressed by writers and contributors do not necessarily represent the opinions of the publisher. NHG reserves the right to cancel or refuse any advertising which we deem unsuitable for our publication, conflicts with other existing agreements, or if advertiser is not in good standing.
EQUAL HOUSING OPPORTUNITY All real estate advertising in this magazine is subject to the Federal Fair Housing Act of 1968 and the Amendments Act of 1988 which makes it illegal to advertise “any preference, limitation or discrimination based on race, color, religion, sex, handicap, familial status, or national origin, or an intention to make any such preference, limitation or discrimination.” This magazine will not knowingly accept any advertising for real estate which is in violation of the law. Our readers are hereby informed that all dwellings advertised in this magazine are available on an equal opportunity basis. To complain of discrimination, call HUD tollfree at 1-800-669-9777 or contact HUD’s regional office in Ft. Worth, Texas at (817) 885-5521. The telephone number for the hearing impaired is 1-800-927-9275.
The Rio Grande Valley New Homes Guide is published quarterly by: Across Media Marketing, LLC
Mailing Address: 3000 Melinda Drive, Edinburg, Tx 78539 FOR ADVERTISING RATES AND INFORMATION: (956) 778-3590
CLOSE WITH PEAK CONFIDENCE
• 120 Shadow Mountain (915) 584-9451
• 1600 Lee Trevino, Ste. B-1 (915) 593-7200
• 1504 Montana (915) 228-3475
• 5001 N. Mesa, Ste. 2-C (915) 544-3322
• 8732 Alameda (915) 858-0665
• 661 S. Mesa Hills, Ste. 100 (915) 533-4511
• 3401 N. 10th St. (956) 682-8321
• 109 N. 10th Ave. (956) 383-7474
• 4740 S. Jackson Rd. (956) 720-4498
• 1225 Stuart Place Rd. (956) 412-0564
• 1902 E. Harrison (956) 428-8801
• 1765 E. Price Rd. (956) 541-9893
• 3311 Padre Blvd. Ste. E (956) 761-2104
Enhanced Home Comfort Lower Utility Bills Better Air Quality Peace of Mind
Being told that your home is energy efficient is not the same as getting written verification from a home energy Rater licensed by the Residential Energy Services Network (RESNET). Home Energy Raters are trained home energy inspectors who use specialized equipment and software to inspect, test, and verify that a home has met the requirements of high-performance home programs like BUILT TO SAVE®.
PROFESSIONAL
HOME ENERGY RATERS
ASK YOUR BUILDER IF YOUR NEW HOME HAS BEEN VERIFIED
Chris Carroll (956) 455-7779 chris@carrollsinspectors.com www.carrollsinspectors.com Carroll’s Inspection Services
Certifications: Home Energy Rater; ENERGY STAR® and BUILT TO SAVE® Certifications; ICC Energy Code Ambassador; EPA Indoor airPLUS; Level 2 Thermographer; TREC Property Inspector; RESNET Member; RESNET Green Rater; Building America Partner, DOE Zero Ready Verifier, Fortified Evaluator, Mold Assessment Consultant, & Insured/ Qualified 45L Tax Credit Certifier.
TREC license #7061 | RESNET license #0003953
TDRL license #MAC1689 | ICC #8194682
Luis Barrera Cell (956) 645-1213 homeenergyratingservice@gmail.com
Certifications: Home Energy Rater; ENERGY STAR® and BUILT TO SAVE® Certifications; ICC Residential Energy Inspetor/ Plans Examiner; HERS Rating for City Code Testing: Blower Door & Duct Leakage; Certificate of Occupancy (C of O); Energy Efficiency Mortgage Certification (EEM); HVAC Heat Load Calculations for Manual J, D, & F; Valley-wide Service.
RESNET license #2431025
Jorge Maldonado (956) 271-2322 jm-92@outlook.com
Certifications: Home Energy Rater; ENERGY STAR® and BUILT TO SAVE® New Home Certifications, IECC Energy Code Building Inspections; Blower Door & AC Duct Testing; Weatherization Inspections. BSI # 5298930
The Blower Door Test and the Duct Blaster Test are used to calculate a home’s Energy Rating Index (ERI—also referred to as the HERS score). Like miles per gallon (MPG) which measure the fuel efficiency of a car, an ERI (or HERS) score is an excellent predictor of a home’s energy efficiency—the lower the score, the higher the efficiency
BLOWER DOOR TESTS measure the leakiness of the home’s envelope— how much air comes in and goes out through the roof, windows, doors, and other openings in the home.
Required by code after Sept. 1, 2016.
DUCT BLASTER TESTS measure leaks in the joints and seams of the ductwork in the heating, ventilation, and air-conditioning (HVAC) system.
Required by code after Sept. 1, 2016 unless in conditioned space.
L
UXURY
ONDROUS LIVING
HOMES THAT INSPIRE THE SOUL AND ENCHANT THE HEART!
Since 2004, Waldo Homes, a family-owned custom home builder in the Rio Grande Valley of South Texas, has been crafting unique and luxurious residences that truly inspire. Founded by Luis Waldo and his family, the company has a well-earned reputation for exceptional quality and for superior customer satisfaction and service, reflected in the numerous awards received for excellence over the years—more than any other builder in the area.
Waldo Homes creates stunning homes tailored to meet any style, size, and budget. From their eye-catching architectural designs to the rich, detailed interiors, each home is designed to impress. Step inside to find artistic countertops, sparkling lights, and a harmonious mix of colors and designs. Features like marble staircases, decorative ceilings, and large natural tiles add to the opulence, creating spaces that are truly uplifting—a signature blend of beauty, style, and functionality that makes every Waldo Home a masterpiece. The talented Waldo family brings all these things together to build the elegant homes you dream about. The Waldo staff listens to what their homebuyers want, and then they add the expertise, the craftsmanship, and the eye for beauty that comes with
years of experience. When you meet Luis Waldo or another member of the team, you’ll understand what is at the root of the company’s success. You’ll see their honesty, their integrity, their knowledge, and how they really care that everything is done right as promised. They do this by working with other skilled craftsmen who share their passion for building outstanding homes that customers will love. From the front door to the backyard, homebuyers will feel proud and joyful living in a custom-built Waldo Home. The company’s excellent customer satisfaction is the result of an exciting and memorable home-building experience for everyone. The company’s homebuyers will remember the first time they walked into their completed Waldo-built home and felt the
“Waldo Wow Factor”—that feeling you get when you see a home that truly impresses the soul. Owners of a Waldo home take pride in knowing they can share that feeling with friends, family, and visitors who enter their home.
Waldo Homes continues to set the benchmark for custom home building in the region. Whether a contemporary design or a traditional one, each project will reflect their commitment to creating spaces that inspire and delight their clients. Experience the difference with Waldo Homes. And remember, while others have tried to replicate Waldo Homes’ success by mimicking their unique architectural designs and ideas, the root of the company’s success can never be truly duplicated because it lies in the hearts of the Waldo Homes’ team members—it’s the passion they share to build a unique luxury home that will exceed your dreams--a home that they were proud to build, and you will be proud to own.
How to Know if You Are Hiring a Quality Builder
A home will most likely be the largest purchase you will ever make. It’s also a purchase that you will live with, and live in, for many years—if not forever. So, it’s natural to want to be sure you are making a good decision.
Making the decision difficult, however, is the fact that while many professionals in the State of Texas are required to have a license— home builders are not. Bottom line, if you are buying or building a new home, know this: the quality of your home will only be as good as the quality of the builder you choose. Here are some important tips to help you choose wisely.
REPUTATION MATTERS
Do your research. Whether a builder has had one customer or hundreds of customers, he or she has a reputation. Check with the Better Business Bureau for complaints on the company. And while no company is immune from having dissatisfied customers, if this is a common occurrence— that should be a big red flag. Ask around. Ask friends, prior customers you may know of, real estate professionals, mortgage lenders, and especially construction material vendors (FYI: you can tell a lot about a builder and the company’s integrity by its relationship with its vendors.) And remember, a good builder will generally not put profit before his or her reputation. It’s that simple.
KNOW THE TYPE OF HOME YOU WANT
Builders have different strengths and offer a variety of designs, architectural styles, and finishes. Narrow your field of builders by concentrating on those that build the type of home you prefer. Almost every builder has a website with a gallery of homes they’ve built. If they don’t, that could be a red flag. The point is, if you’ve set your dreams on a beautiful Mediterranean style home, would you trust a builder that has never built one to build it for you just because he promises to give you a good price? Make sure that the builder you choose has a proven record of building the type of home you want.
EVALUATE THE COMPANY’S MARKETING
As part of doing your research on
builders, pay attention to how they market themselves. Do they do a good job of branding themselves positively? Is the copywriting on their website coming from their hearts or does it just read like marketing fluff? Are customer testimonials or previous customers featured? More importantly, do they do any marketing at all? Most companies that don’t market themselves claim they don’t because they don’t have to. And while this may be true and okay, it can also send a message that says they aren’t interested in growing their company, which might leave homebuyers wondering if they will be around to take care of potential problems with their home in the future.
ARRANGE A FACE-TO-FACE MEETING
By the time you meet the builder in person, you should have already done your research and know more about them than they do about you. If you leave that initial meeting still knowing more about
them than they know about you and your project, look for another builder. It means the company did not do its best to find out about you and your needs and whether or not you would be a good fit for them. Treat this first meeting like you would a job interview—their job interview. Prepare a list of questions for the builder and don’t be afraid to ask questions. Pay attention to how they react to what may sound like a silly question. A good builder will not make you feel stupid and will encourage you to ask more questions. Remember that what you are looking for in this initial meeting is transparency. You want to see if you can make a genuine connection because what you are looking for is a partner that you can trust—one that will have your best interests in mind, not just theirs. And remember that you may be working closely with this person for 6 to 8 months or longer, depending on the size of your project, so make sure you pick someone you get along with and like. Repeat this interview process
with at least 3 builders, and you should have a clear candidate.
ASK ABOUT ENERGY EFFICIENCY
Ask the builders if their homes are built according to the state’s mandated 2015 International Conservation Code (IECC). The builder may respond that their homes pass the city’s code inspections, but that’s not the same thing. City code inspections may be based on an older version of the IECC. City code inspectors are not responsible for complying with the state’s mandated 2015 IECC, the builder is. Furthermore, be advised—no builder will ever tell you their homes are not energy efficient. The question is, “Are they verified as energy efficient homes?”
Specifically, ask if the homes are certified as being energy efficient by high-performance home programs like BUILT TO SAVE® or ENERGY STAR®. Homes in these programs comply with the state’s current IECC requirement and are inspected during construction
and tested upon completion by an independent third-party RESNETlicensed home energy Rater who verifies that each home meets the strict energy efficient and highperformance requirements of the programs. Builders participating in the BUILT TO SAVE® program can be found at BuiltToSave.org and are listed on pages 24-25.
Ask what the average HERS or ERI score is on the builder’s homes. If he or she does not know what a HERS/ERI score is, this should be a BIG red flag. Walk away. It means basically that you will not know what your heating and cooling costs will be until you move in—not good. The Home Energy Rating System (HERS) score or Energy Rating Index (ERI) score is a good indicator of how well the home will perform when it comes to energy efficiency. A HERS/ERI score can be calculated for a home even before it is built by inputting the home’s building data into modeling software. This is Step One for a Rater performing inspections and testing on BUILT TO SAVE® verified homes.
DON’T GET BLINDED BY THE HOME’s BLING
It’s easy to fall in love with a home and its beauty. Too often though, because they are things we can’t see, we don’t ask enough questions about the home’s comfort, or the type of insulation used, or if the indoor air quality will be healthy years down the road, or if the air conditioning unit is sized properly for the size of the home. All of these important considerations are addressed, for example, in the BUILT TO SAVE® program. Asking these types of questions will give you a good indication of the true quality of the home you are buying and the true quality of the builder who built it.
THE SMALL THINGS MATTER MOST
Just like the little details in a home’s construction that often make the difference between a nice home and an awesome one, it’s the little things about how the builder treats you as a customer that you should focus on. For example: do they return your calls in a timely manner or at all? Not responding to texts or phone calls is too common in today’s business world. It is a sign of disrespect but also a good way to measure how much a person really values your relationship. If this happens when you are thinking of hiring that builder, you can imagine what will happen when you are trying to report a problem with your home? So be aware of how the builder you select responds to you. If all goes well and the two of you “click” as you plan your dream home together, then you can be sure you selected the right builder.
RISE ABOVE ALL THE REST
If you are building or buying a new home, don’t settle for minimum standards. Ask your builder if they build homes with any of these high-performance certifications. Ask for the certificate. You’ll enjoy savings on utilities and living in a healthier home.
DOE ZERO ENERGY READY HOME
This certification is awarded to homes that meet all of the criteria of the Department of Energy’s Energy Ready Home National Program. These homes are verified to be at least 40%-50% more energy efficient than a typical home. Zero Energy Ready Homes are so efficient that incorporating a renewable system can offset most or all annual energy consumption. Visit energy.gov for more information.
ENERGY STAR®
The ENERGY STAR® is a national program administered by the Department of Energy in conjunction with the Environmental Protection Agency. To earn the ENERGY STAR® certification, homes must meet strict construction and energy efficiency criteria verified by a third party. An ENERGY STAR® qualified home consumes less energy than a similar home built to code and provides better durability, more comfort, cleaner indoor air, and reduced maintenance costs. Visit energystar.gov for more information.
INDOOR AIRPLUS
The Indoor airPLUS is a program of the Environmental Protection Agency and is a companion label that can only be awarded to a home that has qualified for the ENERGY STAR® or Zero Energy Ready Home programs. The construction and system requirements of the Indoor airPlus program are designed to reduce contaminants to improve indoor air quality, including mold, moisture, radon, carbon monoxide, toxic chemicals, and other detriments found in poor air quality. Visit epa.gov for more information.
BUILT TO SAVE® Best Value!
The BUILT TO SAVE® program is a regional energy efficiency program designed to identify a high-performance home that is “superior to code.” To receive the BUILT TO SAVE® certification, the builder must be a member of the program and the home must be inspected before drywall is installed, and tested at the completion of construction to verify that the air leakage requirements of the program are met. A BUILT TO SAVE® certification means: low utility bills, a properly sized A/C unit for a more comfortable home, better indoor air quality, and less maintenance–all with the potential for a higher resale value. Visit BuiltToSave.org for more information and to find a builder.
Blower door & duct leakage testing equipment.
Navigating Your Path to Homeownership Home Financing Made Easy:
Purchasing a home is a significant milestone for many individuals and families, symbolizing stability, investment, and a place to call your own. The journey to homeownership can be daunting, however, especially when it comes to understanding and securing financing. The good news is that with a little knowledge and preparation, home financing can be made easy. Here’s how you can navigate the process with confidence.
UNDERSTANDING YOUR FINANCIAL HEALTH
Before diving into the world of home loans, it’s crucial to assess your financial health. This involves reviewing your credit score, understanding your debt-to-income ratio, and knowing how much you can afford to spend on a home. A good credit score can significantly affect the interest rates you’re offered, potentially saving you thousands of dollars over the life of your loan. If your credit score needs improvement, consider taking steps to boost it, such as paying down debt and ensuring all bills are paid on time.
SETTING A BUDGET
Once you have a clear picture of your financial health, it’s time to set a realistic budget. This includes not only the price of the home itself but also other costs such as property taxes, homeowners insurance, and maintenance expenses. A general rule of thumb is to aim for a home price that is no more than three to five times your annual household income, provided you have a 20% down payment and minimal other debts.
EXPLORING MORTGAGE OPTIONS
There are various types of mortgage loans available, and understanding the differences can help you choose the best one for your situation. Fixedrate mortgages offer stability with consistent payments, while
adjustable-rate mortgages (ARMs) may offer lower initial rates that change over time. Additionally, there are government-backed loans such as FHA, VA, and USDA loans, which can be beneficial for firsttime buyers or those with lower credit scores.
PRE-APPROVAL: YOUR SECRET WEAPON
Getting pre-approved for a mortgage is an essential step in the homebuying process. This not only gives you a clear idea of how much you can borrow but also shows sellers that you are a serious buyer. To get preapproved, you’ll need to provide financial documentation such as pay stubs, tax returns, and bank statements. Having a preapproval letter in hand can give you a competitive edge in a hot housing market.
WORKING WITH PROFESSIONALS
Navigating the home financing process can be complex, but you don’t have to do it alone. Working with a knowledgeable real estate agent or builder and a trusted mortgage lender can make the process smoother. These professionals can offer valuable insights, help you find the best loan products, and guide you through each step of the transaction.
FINALIZING YOUR LOAN
Once you’ve found your dream home and your offer has been accepted, it’s time to finalize your loan. This involves a
thorough review by the lender, an appraisal of the property, and, finally, the closing process. During closing, you’ll sign a series of documents to officially secure your mortgage and take ownership of your new home. It’s important to review these documents carefully and ensure that everything is in order. Your lender and real estate agent will be there to guide you through the process and answer any questions you may have.
STAYING INFORMED AND PREPARED
Even after closing, staying informed about your mortgage and financial obligations is crucial. Make sure to budget for monthly mortgage payments and set aside funds for unexpected home repairs or maintenance. Consider setting up automatic payments to avoid late fees and protect your credit score.
Home financing may seem overwhelming at first, but with the right preparation and guidance, it can be a manageable and even straightforward process. By understanding your financial situation, setting a realistic budget, exploring different mortgage options, and working with professionals, you can navigate the path to homeownership with confidence. Remember, the key to a successful homebuying experience is staying informed and prepared every step of the way. Happy house hunting!
Home Financing Made Easy:
Navigating Your Path to Homeownership
Borrower’s Checklist for Home Loan Applications
Purchasing a new home is an exciting venture filled with opportunities as well as challenges, particularly when it involves securing a mortgage. Mortgage lenders require detailed information about your financial background to determine your loan eligibility and the terms they can offer. Being well-prepared with the necessary documents can simplify your homebuying process and enhance your chances of obtaining favorable loan opportunities.
SALES CONTRACT AND PROPERTY INFORMATION
The first step in your homebuying journey begins once you have selected your desired property and your offer has been accepted by the seller. This leads to the completion of a sales contract, which is a signed agreement that outlines the terms between you and the seller. You will need to provide this document to your lender. It may also be necessary to furnish contact information for individuals who can grant access to the property. (Cont'd pg. 17)
PERSONAL INFORMATION
Lenders will request specific personal details to process your loan application. Be sure to have the following on hand:
Addresses where you have resided over the past two years
The name and address of your current landlord or mortgage holder
A valid driver’s license
Your social security detail
Information about your current housing expenses
INCOME AND EMPLOYMENT HISTORY
Lenders assess your ability to repay the loan based on your income and employment history. Prepare to provide your federal tax returns and other relevant documents that confirm your earnings. If you are employed by someone else, you may need to provide:
Pay stubs endorsed by your employer
A comprehensive employment history for at least the past two years, including contact information for your employers
W-2 forms and tax returns for the previous two years
A letter explaining any employment gaps in the last two years, if necessary
For those who are self-employed, the following documents are typically required:
Evidence that your business is profitable
Financial statements showing that your business is wellmanaged, such as profit and loss statements and balance sheets
-
Personal and corporate tax returns from the past two years
OTHER SOURCES OF INCOME
You might also need to prove additional sources of income, which could include:
Pension receipts
Social security benefits
Income from trust funds or other non-employment sources
OVERALL FINANCIAL HEALTH
Your overall financial health is also scrutinized by lenders through an evaluation of your assets and liabilities:
Assets:
Recent bank statements to verify savings
Documentation of investments like stocks or retirement funds
Proof of ownership and value of other real estate properties you own
Liabilities and Debts:
A detailed credit history to illustrate your debt management
Explanations for any negative records in your credit history
Official documentation relating to bankruptcy, if applicable, including proof of discharge
and eligibility to apply for a mortgage post-bankruptcy
Tax and insurance documentation for any other properties you own
ADDITIONAL CONSIDERATIONS
If you are divorced, or if you either pay or receive alimony or child support, make sure to have all pertinent legal documents available. In addition, those eligible for VA loans will also need to provide specific documentation to support their application.
PREPARATION IS KEY
By systematically using the checklist above, you can ensure that you are well-prepared for the questions and requirements your lender will have. This level of readiness not only facilitates a smoother loan application process but also helps bring you closer to acquiring your dream home. Gathering and organizing these documents well in advance of your application will allow you to navigate the homebuying process with greater ease and confidence, focusing more on the joy of purchasing a new home and less on the complexities of financial approvals.
At the top of the list of reasons for Materiales El Valle’s popularity is its millions of square feet of product inventory and thousands of square feet of showroom space with beautiful full-sized displays and samples of products including brick, ceramic tile, glass mosaic tile, handmade Saltillo tile, roof tile, porcelain, marble, Travertine, Cantera, engineered stone, and wood flooring. If a product makes your home stand out from the ordinary, the company almost certainly has it in stock—and in large supply.
And what could go better with the largest inventory? How about the best prices! The company’s long-standing history with name-brand manufacturers is a major part of its success. Because of those relationships, Materiales El Valle is able to not only offer lower prices; more importantly, the company is able to introduce the latest trending products, which may explain why so many builders win awards for homes that use materials that are often new to the market.
No matter how good products are and how inexpensive they may be, shoppers, however, tend to place greater value on how they are treated and whether they can rely on their vendor to be there for them. And that’s where the company excels—customer service. Combined with their many years of knowledge and experience, Materiales El Valle’s staff provides a friendly, personal service that makes buyers feel like family…because in the company’s eyes, they are. And that keeps customers coming back.
(956) 739-4570 www.urhometexas.com
Msaldana@urhometexas.com k @urhometx Q URHOMETX E @urhometexaslllll
Mauricio Saldaña
Austin White Woodcreek
Catwalk Balance Ceverest Gris
Our journey began with a simple mission: to provide exceptional homes with unparalleled value. Over the years, we’ve grown into a trusted name in the Texas homebuilding industry, known for our commitment to quality, innovation, and customer satisfaction. A key part of that journey has been our partnership with Materiales El Valle, whose reliable materials help us build homes that stand the test of time. Every home we create is a testament to our core values—integrity, craftsmanship, and a relentless pursuit of excellence.
- MAURICIO SALDAÑA
Rosalio Espinoza, Materiales El Valle
F G Catwalk Balance
Austin Brown Rockdale
Nagara Gris Carrara Gold
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To continue supporting families in need, we invite you to give back today by scanning the QR code. Every contribution makes a difference in building a brighter future for those in need.
BUILDERS:
Materiales El Valle provides incentives* to its builder customers who join the BUILT TO SAVE® High-Performance Home Program and verify that their homes are built to standards superior to minimum code requirements.
BUILT TO SAVE® awards “high-performance” certifications to new homes inspected, tested, and verified by a licensed, independent thirdparty Home Energy Rater.
PARTNER WITH MATERIALES EL VALLE TO BUILD HOMES THAT STAND OUT IN BEAUTY, PERFORMANCE, COMFORT AND VALUE! JOIN BUILT TO SAVE®
Ask a Materiales El Valle representative for details about this WIN-WIN opportunity.
POWER Magic Valley Electric Co-op Marketing from INCENTIVES
for DEVELOPERS & BUILDERS
MAGIC VALLEY ELECTRIC COOPERATIVE (MVEC)
is committed to reducing energy usage and utility costs to ensure reliable and affordable electricity for its member-owners. It strives to improve the quality of life for residents of the Rio Grande Valley by providing incentives and marketing assistance to builders and developers selling homes or lots in MVEC new home communities. Take advantage of these effective and beneficial marketing opportunities.
REBATES FOR BUILT TO SAVE® HIGH-PERFORMANCE HOMES For Builders
As sponsors of BUILT TO SAVE®, a regional high-performance home program, MVEC has helped to improve the quality of new home construction with its rebate program for builders who build verified energy-efficient homes.
The BUILT TO SAVE® program for new home builders is a voluntary program that awards “high-performance” certificates to new homes built to energy-saving standards that are above the minimum building code standards required by law. MVEC provides a variety of monetary incentives paid directly to builders of BUILT TO SAVE® verified homes based on the energy efficiency HERS rating of their homes. Each BUILT TO SAVE® home is inspected during construction and tested upon completion by an independent RESNET licensed Home Energy Rater to verify that the home meets the strict requirements of the program in order to qualify for the BUILT TO SAVE® certificate. For more information, email: info@builttosave.org.
DISCOUNTS FOR CO-OP ADVERTISING IN RGV NEW HOMES GUIDE For Developers
RGV New Homes Guide, a quarterly printed and digital magazine in the Rio Grande Valley, provides marketing opportunities for developers of new home communities in MVEC’s territory.
1) RGV NEW HOMES GUIDE COMMUNITY ADS
Developers with a community located in MVEC’s territory qualify for a rebate of $75 on their community ad in the RGV New Homes Guide. Community ads are ¼-page horizontal ads that provide an “at a glance” look at all of a community’s important information and provide traffic and sales leads.
2) RGV NEW HOMES GUIDE DISPLAY ADS
Developers advertising their MVEC community may qualify for a $300 rebate on their display ad available in half-page and full-page sizes. Distribution includes a digital and printed magazine as well as social media promotions on Facebook, Pinterest, Instagram, and Twitter. Visit rgvNewHomesGuide.com /magazine for a look at the RGV New Homes Guide. Email: info@acrossmediamarketing.com for advertising information.
3) DRONE VIDEOS FOR MVEC COMMUNITIES
Drone videos will give potential buyers a bird’s eye view of a community and its surrounding area. These videos will capture the look and feel of a community, thus giving viewers a comprehensive view of the “lay of the land” and nearby attractions. MVEC will provide a complimentary drone video for qualifying communities located in MVEC’s territory.
4) SIGNAGE FOR MVEC COMMUNITIES
A community sign will make it easier to find a community and will assist by providing a 24/7 sales tool offering sales and contact information. MVEC offers assistance in producing entrance signage for communities in MVEC’s territory. Call for details.
QUALIFYING FOR MVEC OFFERS
To qualify for all of the offers shown here, builders and developers must be building or developing in a MVEC community. All offers are on a “funds available” basis and require pre-approval. See below for additional conditions.
BUILT TO SAVE® REBATES – The BUILT TO SAVE® program is responsible for determining the eligibility of builder rebates. The rebate amounts are determined by the home’s HERS score as documented and verified by the builder’s third-party Home Energy Rater.
RGV NEW HOMES GUIDE ADS – Co-op marketing rebates for advertising in the New Homes Guide requires branding with the “Powered by MVEC” logo. Artwork fees are not included.
DRONE VIDEOS – This is a one-time offer for new home communities that are under development or newly developed and includes the cost of production. Drone videos are to be produced by Across Media Marketing, LLC and branded with the “Powered by MVEC” logo. Existing new home communities must have 80% of lots still available for construction to qualify.
SIGNAGE – Artwork for community sign to be provided by MVEC in collaboration with Across Media Marketing, LLC. MVEC will provide a pre-determined amount based on the sign’s specifications to help cover the art fee. Installation of signage is the developer’s responsibility. Signage is required to be branded with the “Powered by MVEC” logo.
BUILDERS Superior High-Performance Home
BUILT TO SAVE® is an energy efficiency certification program that identifies new homes that are built to outperform minimum code building requirements. The builders who certify their homes in the BUILT TO SAVE® program voluntarily go above and beyond for their homebuyers.
www.VillanuevaHomes.com m (956) 232-9919 stephanie@villanuevahomes.com
GROUP..........................................................www.cazargv.com m (956) 221 0992 build@cazagroup.com
CUSTOM HOMES www.DivineCustomHomes.net m (956) 467-1111 olga@divinecustomhomes.net
AZTECA ............................................. www.proyectoazteca.org m (956) 702-3307 admin@proyectoazteca.org
BUILT LLC m (956) 330-4112 oscar_meza_jr@yahoo.com
BUILDERS...........................................
m (956) 874-3686 treasurebuilders@att.net
Not all the homes in the Rio Grande Valley are built the same. A homebuyer’s best option to make sure their new home will be built to above-code standards is by finding a builder that is a member of a High-Performance Home Verification Program like BUILT TO SAVE® With the help of this program and third-party inspectors, builders are guided through the process of building homes of superior quality and energy efficiency.
BELLISSIMO BUILDERS (956)222-0721
BRITO CONSTRUCTION (956) 540-5557
IAH CONSTRUCTION LLC (956) 456-8101 / (956) 778-8034
MONARCH HOMES (956) 215-4079
www.bellissimobuilders.com
www.britoconstruction.com
www.iahconstructionllc.com
www.monarchhomesrgv.com
bellissimobuilders@gmail.com
info@britoconstruction.com
nathan.mireles@iahconstructionllc.com
info@monarchhomesrgv.com
PINPOINT CONSTRUCTION (956) 720 0280 www.pinpointrgv.com.............................................info@pinpointrgv.com
RUSHMORE CONSTRUCTION (956) 382-1144 or (956) 460-6344
rushmoreconstructionrgv.com rushmoreconstruction@yahoo.com
WALDO HOMES (956) 466-8590 / (956) 466-8227 ............................... waldohomesrgv.com ............................................... luiswaldo@yahoo.com
High-Performance Home Verifications: Maximizing Savings and Long-term Benefits
Why pay 20-30% more on your energy bills for a home built to minimum legal standards when a verified superior high-performance home can significantly lower your costs and provide a more comfortable and healthier home environment? Minimumcode built homes, making up a majority of American homes, are built to the legal standards of the municipality. Unfortunately, city code officials primarily focus on ensuring that building constructions and modifications meet safety and health standards—not energy efficiency.
In Texas, as in some other states, not all municipalities enforce the state’s energy code, or they might apply it with varying degrees of rigor. This can depend on local priorities, resources, and regulations. Additionally, the implementation of energy codes can vary widely between different locales, reflecting local government priorities and capabilities. Thus, it’s important for builders and homeowners to check local codes and standards to understand what is required in their specific area.
The Importance of Energy Certifications in New Home Buying
Historically, homebuyers have focused solely on list price and beauty, often overlooking the long-term energy costs of a home, and, more importantly, the critical issues of home comfort, indoor air quality, and other long-term benefits. This approach can lead to unexpectedly high monthly utility bills and unpredictable results on the home’s comfort, durability, and indoor air quality.
Home by Waldo Homes
High-performance home programs like BUILT TO SAVE® and ENERGY STAR® provide a way to model a home’s plans to evaluate these costs upfront and additionally provide inspections and testing of the home to verify compliance with the strict requirements of these programs in order to qualify for verification of being a highperformance home.
What Does a Home Verified
as BUILT TO SAVE® Offer?
First, understand that the home builder is the one who is responsible for applying for verification of their home in the BUILT TO SAVE® program. Most critically, the home must be enrolled in the BUILT TO SAVE® program before the drywall is installed. The reason? A licensed third-party Rater must inspect the insulation behind the walls before they are covered. Homes verified by BUILT TO SAVE® might look similar to minimum-code homes, but they boast significant energy savings by employing strict building processes. These homes feature high-efficiency HVAC systems, top-notch insulation, well-sealed constructions, energyefficient appliances, energy-saving
windows, and more. Collectively, these features not only reduce energy bills but also enhance indoor air quality and overall comfort.
Ensuring Quality and Performance
Each feature of a BUILT TO SAVE® home is verified by an independent Home Energy Rating System (HERS) provider. Before construction, the HERS Rater uses special software to predict the home’s energy score, and the builder can then make necessary adjustments to improve efficiency, if necessary. The final verification by the HERS Rater includes comprehensive tests such as the Blower Door Test, which checks for air leaks, and the Duct Blaster Test, which ensures that the HVAC system is sealed properly. These certifications guarantee that BUILT TO SAVE® verified homes meet rigorous energy efficiency standards.
Advantages
in Resale, Plus Trust
Energy-efficient homes not only offer lower monthly bills; studies have shown that the homes verified as “high-performance”
typically demand a higher resale value across the country. This enhanced market value, backed by a measurable HERS score, makes these homes a smart investment. The fact that the home builder was confident enough in his or her work to have their home inspected and tested by a third party to verify compliance with highperformance requirements speaks volumes about that builder’s integrity, and about the trust you can have in their work.
Choosing the Right Builder
Remember that not all builders are members of the BUILT TO SAVE® or ENERGY STAR® programs. Even builders that are members of these programs do not always verify their homes in the programs, even though there are substantial financial incentives paid to the builder by utility companies for verifying a home as high performance. You, the homebuyer, must make the request to the builder for a highperformance home verification. Opting for a builder committed to high-performance home program standards ensures that your home will be at the forefront of energy efficiency and provide lasting benefits to you as a homeowner. If you decide to choose a BUILT TO SAVE® builder member, you are assured of quality, performance, and sustainability. See pages 24 & 25 for a list of builders.
LOWER UTILITIES BETTER AIR QUALITY MORE COMFORT
ENJOY
BUILT TO SAVE® high-performance home requirements are designed to ensure that the home’s construction provides energy efficiency and quality that will be superior to homes built only to minimum code requirements.
A home that receives a BUILT TO SAVE® certificate has been modeled, inspected, and tested by an independent licensed home energy Rater to verify that the home has complied with the requirements of the program.
DIVINE CUSTOM HOMES
MAGIC VALLEY ELECTRIC COOP IS A PROUD SPONSOR OF THE BUILT TO SAVE® PROGRAM.
• Indoor Comfort
• Indoor Air Quality
• Whole-House Energy Efficiency
• Savings on Utilities
• Efficient, Long-Lifespan Lighting
• Quality Construction
• Enhanced Pest Control
• Lasting Peace of Mind
• Excellent Resale Value
• Superior Homebuyer Satisfaction
• Fees on Utilities
• Indoor Humidity
• Need for Repairs
• Maintenance Costs
• Air Leakage Out & In
• Outdoor Contaminants & Pests
• Moisture & Mold Problems
• Doubt of Superior Construction
• Worry About Improper Insulation
• Time on the Resale Market
Building Your Dream Custom Home: A Detailed Guide
Creating your own custom home is an exciting journey that lets you tailor your living space to your exact preferences and needs. This comprehensive guide walks you through every step from start to finish, ensuring your home-building experience is both exciting and efficient.
Getting Started: PreQualification, Pre-Approval, and Site Selection
PRE-QUALIFICATION: This is generally a simple, initial step in the mortgage process. You provide a financial overview to a lender, including your income, assets, debts, and sometimes a credit check. This free service sets the groundwork for your budget and home size.
PRE-APPROVAL: This is a more comprehensive and formal
step. It involves completing an official mortgage application and providing the lender with necessary documentation to perform an extensive check on your financial background and current credit rating to determine precisely how much the lender is willing to loan you, and at what interest rate.
3
CHOOSING YOUR HOMESITE:
Pick a lot or neighborhood within your budget that suits your needs. Ensure the lot site aligns with the square footage and budget requirements of your homeplan.
Choosing Your Builder and Designing Your Home
SELECTING A BUILDER:
The choice of builder is crucial in determining the quality of your custom home. Research builders known for their quality and experience in constructing the type of home you desire. Prioritize builders who participate in programs like BUILT TO SAVE®, ENERGY STAR®, or AEP Texas High-Performance Homes, as these indicate a builder’s commitment to superior construction standards.
CONCEPTUALIZATION AND PLANNING:
Work with architects and designers to turn your vision into actionable plans. Most builders offer design services inhouse. A deposit may be required to start this phase.
Financing and Budgeting
BUDGETING: After finalizing your design, establish a realistic budget. Include construction costs and additional expenses like permits and utilities. When working on your budget, keep in mind home ownership costs such as property taxes, homeowner’s insurance, landscaping, HOA fees, and new furniture.
FINANCING: Explore financing options such as construction loans, which convert to permanent loans upon completion, or one-time close loans that combine both phases into a single transaction and can save you money on closing costs. Consult with your lender to choose the best option for you.
secures all necessary permits and adheres to local zoning and building codes. Non-compliance can lead to delays and legal troubles. Opt for builders who guarantee compliance with state energy codes as part of reputable high-performance home programs.
INSPECTIONS: Local municipal code officials will check the construction regularly to ensure adherence to safety and health standards, as well as compliance with minimum code requirements. High-performance home programs require specific inspections during construction by independent energy Raters, plus testing when the home is completed to confirm superior energy efficiency and give the home a certificate stating this.
Personalizing Your Home
CHOOSING FINISHES AND FIXTURES: As construction progresses, you’ll select personalized elements such as flooring, paint, cabinetry, and lighting. These decisions will define the character and uniqueness of your home, keeping in mind your budget or builder allowances.
Final Stages: Closing and Moving In
INTERIM CLOSING: You’ll sign off on the construction loan to begin the building process, which can take 3 to 6 months, depending on the complexity of your home.
FINALIZING FINANCING: As the construction wraps up, prepare to convert your construction loan into a traditional mortgage. Gather recent financial documents for the lender to finalize the loan.
PRE-CLOSING
WALKTHROUGH: Here is where you will conduct a detailed walkthrough with your contractor to identify any issues that need resolution before finalizing.
FACILITATING CLOSING: The title company plays a pivotal role in coordinating and facilitating the closing process. They ensure that all necessary paperwork is completed correctly, that all legal requirements are met, and that the deed is properly recorded with local authorities. This meticulous attention to detail is crucial to avoid complications and makes the entire process of buying and building your custom home smooth, legally compliant, and free from unexpected financial or legal problems.
MOVING IN: At last! Now you will sign the necessary paperwork, finalize the transaction, and celebrate the achievement of building your custom home. It’s time to move in and start a new chapter in your life!
Building a custom home is a detailed process that involves careful planning, securing financing, and close attention to every construction detail. By engaging the right professionals and making informed decisions, you can make your homebuilding process a rewarding and memorable experience, culminating in a home that perfectly suits your vision and lifestyle.
Leading
ENERGY-EFFICIENT
2024 Builders
Villanueva Construction (956) 800-8889 | rosendo@villanuevahomes.com www.VillanuevaHomes.com
Villanueva Construction has been creating unique homes since 1985. These homes are not only notable for their luxurious details but also because they are tailored to fit each customer’s budget. More than that, these houses are recognized as energy efficient, meeting the BUILT TO SAVE® standards. Since joining this energy-saving initiative, Villanueva Construction has been awarded seven years straight for having the most BUILT TO SAVE® certified homes in the Rio Grande Valley.
Affordable Homes of South Texas, Inc. (956) 687-6263 | info@ahsti.com www.ahsti.com
Affordable Homes of South Texas, Inc. (AHSTI) has been a cornerstone in the Rio Grande Valley for over 45 years, helping low-income families own affordable, energy-efficient homes. Dedicated to ENERGY STAR® compliance, AHSTI ensures accessible energy-efficient living. Recognized by the EPA with the Leadership in Housing award, they provide homes verified by both ENERGY STAR® and BUILT TO SAVE®. AHSTI also supports sustainable homeownership with education, counseling, and financial aid to provide homeowners with a secure, cost-efficient, and comfortable living.
Treasure Builders
(956) 874-3686 | treasurebuilders@att.net www.TreasureBuildersllc.com
Divine Custom Homes (956) 467-1111 | olga@divinecustomhomes.net www.DivineCustomHomes.com
DIVINE Custom Homes builds more than just a house; Divine’s homes are havens of luxury, comfort, and health. Committed to supreme energy efficiency, every home is ENERGY STAR® verified and meets the stringent EPA’s Indoor airPLUS criteria—a rare distinction in the Rio Grande Valley. These homes promise not only clean air, critical for those with respiratory issues, but also cost savings and comfort. Client endorsements highlight the company’s devotion to surpassing energy efficiency norms, ensuring customer satisfaction and well-being.
Treasure Builders, established by Felix Hernandez in 2003, prides itself on trustworthy values and the creation of attractive, durable homes. Along with Alex Hernandez, and Alex’s expertise in urban planning, the company emphasizes sustainable construction and is a proud partner of the BUILT TO SAVE® program that verifies high-performance homes. The company’s commitment to energy efficiency has earned them acclaim, particularly for achieving remarkable energy savings, validated by their customers’ reduced utility bills and the company’s rapid growth through customer referrals.
5,000 550+
• Online Home-Shopper Subscribers
• Local Home Builders/Developers
• Local Suppliers/Vendors
31,960+
28,750+
LEADING ENERGY-EFFICIENT BUILDERS
New Homes Guide promotes high-performance home builders enrolled in energy efficiency programs such as BUILT TO SAVE®, ENERGY STAR®, and ZERO ENERGY READY HOMES.
Leading Energy-Efficient Builders Featured Annually Always Online On any device.
Look for the February / March / April issue published annually.
Go to www.BuiltToSave.org for more information on becoming a high-performance home builder. Magazines Mailed Quarterly and On Demand
EDINBURG (Con’t)
Aqualina
Eldorado at Thousand Oaks 135 E-7
Ensenada at Tres Lagos 103 C-6
Escondido at Tres Lagos 104 C-6
Falcons Cove 136 F-8
Hibiscus 117 G-7
Highland Oaks 131 J-7
La Estancia at Tres Lagos 105 C-6
La Floresta Phase I & II 125 F-8
Marbella 108 M-6
North Pointe 102 G-8
Northwood Trails 107 F-7
Orangewood North ................. 109 ... G-9
Quail Crossing 116 F-8
Silver Creek 120 J-7
Silverado Trail on Auburn Hill 124 H-6
Sorrento Trail on Northgate 106 G-9
Spanish Oaks 114 G-9
Stoneridge Estates 123 G-8
Taylor Creek Village ................ 136.... J-6
The Embers 126 H-9
The Gardens at Trinity Oaks 110 E-7
The Medici 132 I-6
The Vineyards 127 D-7
Trinity Oaks 112 F-7
Vendome 130 C-7
Villagio 119 G-9
Villanueva Estates at Trinity Oaks 118 F-7
Villas at La Vista 113 L-9
Villas De Allende 134 L-6
Villas De Santiago 115 I-8
Villas on Freddy 101 F-8
Westwood One 128 H-7
EDINBURG
Alberta Village 218 I-12
Alberta Heights Landing 236 I-11
Atwood Estates 231 D-8
Bentley Estates 226 I-10
Brentwood Manor 232 F-10
Camden Village 200 G-9
Canton Heights 228 G-12
Canton Village ......................... 216.... G-11
Hacienda San Roman 214 D-15
Jackson Heights 201 G-10
James Court 210 G-10
Johh Closner 229 I-13
Las Villas 225 D-7
Los Lagos Golf Club 202 G-13
Lumen at Los Lagos Golf Club .......... 203 ... G-13
Madison Park 222 H-10
Oak Hill 235 D-8
Rio Vega Ranches 204 D-14
Russell Park 205 C-11
Santa Cruz at La Sienna 224 B-12
Santa Cruz Estates Phase 2 230 B-13
Silos at La Sienna 234 B-12
MISSION
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PALMVIEW, TX / 1020 W. Palma Vista Dr. / (956) 581-1109
EDINBURG, TX / 3910 S. Jackson Rd. / (956) 994-8550
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