RGV New Homes Guide Vol. 26 #1 (Dec.'17- Jan.'18)

New Year, New Home, New You — PAGE 14 | Mortgage Shopping 101 — PAGE 16 | Why & How To Tour Model Homes — PAGE 20

Volume 26 Issue 1 — Dec. 2017 / Jan. 2018

rgvNewHomesGuide.com

Custom Homes That Impress The Soul.

SEE PAGES 5 & 23

WaldoHomesRGV.com • (956) 466-8590

new website COMING DECEMBER 2017

www.rgvNewHomesGuide.com The Rio Grande Valley’s most comprehensive resource for new homes, new home builders, and new home communities.

Dec/Jan Volume 26 Issue 1 PUBLISHER Across Media Marketing, LLC

Contents

EDITOR-IN-CHIEF Jose Vielma

December 2017/January 2018 - Volume 26 Issue 1

23

16

SENIOR EDITOR Barbara Zapffe SALES MANAGER Jose R. Vielma CREATIVE DIRECTOR Laura Soria GRAPHIC DESIGNER Jeremiah D. Nava

14

HOMEBUYING ADVICE 14

New Year. New Home. New You.

18

20

24

Evaluating A Home’s Efficiency

Will 2018 be the year you realize your dream

If a home’s energy efficiency can be predicted,

of homeownership? Here are 6 tips to make it

why would you buy without knowing what it is?

happen.

16

ENERGY EFFICIENCY

Mortgage Shopping 101

27

Energy Efficient Products These featured products have a huge impact

Shopping for the right home also means you’ll

on a home’s superior energy efficiency

have to shop for the right mortgage. Start here.

performance.

Homebuyer’s Glossary

28

2017 BUILT TO SAVE™ Awards

Get a good understanding of the most common

Special Recognition Awards presented to

and important terms homebuyers should know.

two Valley Builders who enrolled the most number of homes in the 2017 BUILT TO

Touring Model Homes

SAVE™ program supported by MVEC builder

The “why” and “how” to tour model homes before buying. Be prepared before you walk in.

21

Why Buy New

incentives.

31

Energy Efficiency Tips Discover some simple things you can do

Don’t pass up on the opportunity to build or buy a

that, when added up, amount to great energy

new home before considering these benefits.

savings.

SPECIAL SECTIONS New Year. New Home. New You — PAGE 14 | Mortgage Shopping 101 — PAGE 16 | Why & How To Tour Model Homes — PAGE 20

Volume 26 Issue 1 — Dec. 2017 / Jan. 2018

38

New Home Communities Map

40

New Home Communities

rgvNewHomesGuide.com

THE RIO GRANDE VALLEY AREA NEW HOMES GUIDE (NHG) is a bimonthly publication of Across Media Marketing, LLC. and is provided to its readers free of charge. Unless otherwise noted, all 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 refuse any advertising which we deem unsuitable for our publication.

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 bimonthly by: Across Media Marketing, LLC. 1601 N. 8th St. • McAllen, Tx 78501 FOR ADVERTISING RATES AND INFORMATION: (956) 971-9700 rgvnewhomesguide.com

ON THE COVER

WALDO HOMES —Custom homes that

impress the soul! Waldo Homes, a Custom Homes That Impress The Soul.

SEE PAGE 23

family-owned construction company, has built a solid reputation for constructing amazing quality custom

WaldoHomesRGV.com • (956) 466-8590

2

DISTRIBUTION MANAGER Ken Sabe

RGVNewHomesGuide.com | December 2017/January 2018 | Vol. 26.1

homes. Read more on page 23.

/rgvnewhomesguide @rgvnewhomes @rgvnhg

cAMI NO REA L Let’s Build Your Dream Home

Office: (956) 992-9501 | Michael Pavon: (956) 460-0286 | Hector Franco: (956) 239-1618

www.CaminoRealBuilders.com

PABLO IS HERE TO HELP YOU.

CALL NOW!

956-429-8662

VISIT OUR MODEL HOMES Weslaco, TX

ROCK SPRINGS

McAllen, TX

HIDDEN COVE

McAllen, TX

THE GARDENS AT TRINITY OAKS

SEE OUR NEWEST SUBDIVISION IN EDINBURG!

THE HILLS AT CHAPIN

New Model & Lots Coming Soon to Canton Village, Edinburg CALL FOR DETAILS.

LUIS WALDO - (956) 466-8590 TERE WALDO - (956) 466-8227

FOR SALE

FOR SALE

YouDeserve

THE FINEST THINGS IN LIFE...

www.WaldoHomesRGV.com /WaldoHomesRGV

TIMELESS ELEGANCE.

NOW AVAILABLE FOR SALE: + Awarded 2017 Parade of Homes “Best Model”

+ Located at Jackson Heights: New Gated Community in Edinburg, Tx

+ Tuscan Style Design with Impressive Cantera Entrance

+ Magnificent Master Closet Design

RichHeritageTX.com

+ 4,300 Sq. Ft. + Private Courtyard

+ Stunning His/Hers Master Shower with Jacuzzi Featuring Cantera Columns

(956) 460-8035 • (956) 821-8902

+ 4 Bed / 3.5 Bath + Media Room + Study

+ Outdoor Kitchen and 8’ Privacy Fence

Visit home by appointment only.

You’ll feel right at home with our higher level of standards!

HOME FOR SALE IN MCALLEN, TX: 4 Bedrooms, 3.5 Baths & Oversized 11,000 sq. ft. lot.

MODEL HOME: Open Daily by Appointment.

Summerset Estates - 1412 Maravilla Dr., Edinburg, Tx

CHOOSE YOUR LOT & FEATURES: Beautiful Wood Floors | Artistic Wall Niches | Plantation Shutters High Designer Ceilings | Natural Cantera Accents | Granite Countertops

DHConstructionRGV.com | (956) 778-0212

BUILDER MEMBER

Builder Industry News

BUILDER INDUSTRY NEWS Eddie Garza (Infinity Homes) Receives Life Spike Award EDDIE GARZA OF INFINITY HOMES received a National Association of Home Builders (NAHB) Spike Award at a recent meeting of the Rio Grande Valley Builders Association (RGVBA). Marcy Alamia, RGVBA Executive Vice President, and Board Member Mike Duffey presented the Spike Award.

The NAHB Spike Club was organized in 1953 to recognize and reward members whose dedication and support were instrumental in helping to recruit and also to retain members in the Association. Members earn Spike credits for each new member they sponsor and also when that member renews his or her membership.

Eddie Garza’s recognition of his continued support of Association activities is well deserved, as it is Spike Members like him who promote the membership necessary for a strong homebuilding industry Association.

Camino Real Builders Now Selling At The Hills At Chapin, North Edinburg’s Newest Gated Community CAMINO REAL BUILDERS recently held its Ribbon Cutting and Grand Opening of their model home at The Hills at Chapin, one of Edinburg’s newest, privately gated new home communities located on Chapin Road, just off Expressway 281 in Edinburg.

The Hills at Chapin is perfectly located near the expressway for a quick hop on and off the expressway for easy access to all areas of the Valley.

Tour Camino Real Builders’ model home at the Hills at Chapin and discover the company’s commitment to their slogan “Let’s Build Your Dream Home.”

On-site sales counselors will answer your questions and guide you through what is needed to buy a home. You are invited to visit with Camino Real Builders at The Hills at Chapin, a community that is within walking distance to Edinburg’s Idea School, and near the University of Texas- RGV and areas of shopping and entertainment. With a minimum requirement of 1,500 sq. ft. of living, the community is perfect for first-time buyers. (See page 3 and visit caminorealbuilders.com for more information.)

(Ribbon-Cutting Photo) Michael and Cynthia Pavon, owners of Camino Real Builders, with staff and friends, joined the developer of this new community, Manuel Cantu Jr.,

(L to R:) Marcy Alamia (RGVBA Executive V.P.); Eddie Garza (Infinity Homes);

as he performed the ribbon cutting to officially begin the fun day of food, refreshments,

Mike Duffey (RGVBA Board Member).

and raffles for everyone during the Grand Opening in October.

Classic Homes Wins Free Entry Into The 2018 RGVBA Parade of Homes THE RIO GRANDE VALLEY BUILDERS ASSOCIATION (RGVBA) officially began taking entries for its 2018 Parade of Homes scheduled for the last weekend in April and the first weekend in May in 2018. As is customary every year, the RGVBA holds a raffle for those builders that enter the Parade at the Parade Kick-off Meeting. This year, the lucky winner of the Parade Raffle was Mr. Frank Gonzalez of Classic Homes. Congratulations Frank!

Parade entries will continue to be accepted until February 28th. Please visit rgvba.org to download a Parade entry form and for information on applicable entry fees, which vary from early to late entry.

10

(L to R:) Marcy Alamia (RGVBA Executive V.P.); Richard Garcia (Edinburg Mayor); Joaquín Gonzalez (Classic Homes).

RGVNewHomesGuide.com | December 2017/January 2018 | Vol. 26.1

Sierra Title Company Hosts 38th Annual Tamalada THIS YEAR, LIKE EVERY OTHER for the past 38 years, Sierra Title Company called a timeout from the regular workday and hosted a traditional Tamalada event in the parking lot behind their offices on 10th Street in McAllen.

Held under a giant white circus tent, the Tamalada event brings over one thousand people in the construction and real estate industry together for a complimentary meal of tamales served by the owners, managers, and staff of Sierra Title Company of the Rio Grande Valley.

View more photos of the Sierra Title Tamalada on the next page.

Marine Sgt. Jacob De La Garza Is Honored Guest At RGVBA Meeting In Remembrance Of Veterans Day

Tres Lagos Grand Opening Was A Huge Success And Offered A Window Into Life In This Mega-Masterplanned Community THE GRAND OPENING OF TRES LAGOS, McAllen’s new 2,571 acre masterplanned community in October, brought visitors from all over the Rio Grande Valley for the two-day event. For two exclusive builders showcasing their model homes at Tres Lagos, Esperanza Homes and Infinity Homes, it was non-stop guests touring their homes. No matter where one went, there were pockets of people enjoying activities from touring of homes; to listening to popular bands at the amphitheater; to hay rides, train rides, and visiting the many parks and playgrounds to entertain the children—especially a pumpkin patch with plenty of pumpkins to carve. Events like these will be commonplace for residents of Tres Lagos, especially during holidays, weekends, and summertime. An activities calendar for residents will keep all informed about upcoming events.

The event gave a spectacular glimpse of what life in this master-planned community will offer with so much to enjoy. Tres Lagos consists of three communities with homes in different price ranges, beginning in the $180’s up to an estate lot section with lots in the $100 to the $190’s. (See pages 15 & 41 and visit treslagos.com for more information.)

MARINE SGT. JACOB DE LA GARZA was the honored guest at the November meeting of the Rio Grande Valley Builders Association, leading the group in reciting the national and state pledges of allegiance in remembrance of Veterans Day and of the sacrifices made by all of our Veterans.

In 2015, Sgt. De La Garza and his wife Priscilla, along with their two children, Jayden and Braelynn, received Operation FINALLY HOME’s first mortgage-free home for a wounded veteran in the Rio Grande Valley. Major sponsors of the De La Garza project included H-E-B Food Stores (Title Sponsor); Affordable Homes of South Texas (Builder); Solida USA, Inter National Bank, and Westwind Homes (Lot Sponsors); Valley Land Title; and the Rio Grande Valley Builders Association, with over 50 local businesses donating labor, materials, and supplies to make the dream home a reality for the De La Garza family. God bless all veterans!

(Above Photo L to R:) Rudy Elizondo; Eddie Garza; Jose R. Vielma; Sgt. Jacob De La Garza; Marcy Alamia; Sandra Brown; Mike Duffey.

Vol. 26.1 | December 2017/January 2018 | RGVNewHomesGuide.com

11

Builder Industry News

SIERRA TITLE COMPANY HOSTS ITS 38TH ANNUAL TAMALADA Congratulations to Sierra Title on their many years of service to the community The sounds of the upcoming holidays were upon us. No, not holiday music, but rather the laughter and chatter of industry friends and co-workers—all like a huge family—enjoying each other’s company and a tasty plate of hot tamales with all the trimmings under a large circus tent.

After 38 years, Sierra Title has the event down to a science, and once again fed everyone with time to spare for prizes, entertainment, and photos, before returning to work. It is the company’s way of showing appreciation for everyone’s support, and it is always a time well spent remembering all of our blessings as we get ready for the holiday season. Thank you, Sierra Title, for the reminder!

12

RGVNewHomesGuide.com

Homebuying Advice

NEW YEAR, NEW HOME, NEW YOU Use These 6 Tips to Buy a New Home in the New Year

Most of us make resolutions in the New Year. Some of us hope to lose weight. Others will make it a goal to exercise more often. But perhaps your New Year’s resolution is to buy a new home! If this is the case, we have a checklist to help you get the home of your dreams.

1

FIGURE OUT YOUR FINANCES

One of the first things you need to do is figure out how much money you have available to purchase a new home. Start by calculating how much cash you have available for a down payment. You will also need funds to pay for things like closing costs and taxes once the sale on your new home is finalized. Then figure out how much money you can budget each month for a mortgage payment, property taxes, and insurance. All of this information will give you a rough estimate of your buying power.

2

CHOOSE A MORTGAGE PROGRAM

There are numerous types of mortgages available. Some of these programs offer extra help to first time buyers or those who meet certain financial qualifications. Choose one that fits your particular situation by doing some research ahead of time. One good option for those living in Texas is TxHomePrograms.org.

(See page 16 for more on different types of mortgages available).

3

COMPLETE A MORTGAGE APPLICATION

4

BE STRATEGIC ABOUT UPGRADE CHOICES

The next step is to complete a pre-approval application with a mortgage provider. The lender will review your financial information to calculate how much money you can actually borrow. Take this information with you as you shop for a new home to avoid falling in love with a property you cannot afford.

When building a new home, your contractor may offer you additional features such as upgraded appliances or premium flooring options. As you consider your choices, be sure to select those that will add value to your home for many years to come.

Sometimes choosing upgrades that cost more – such as hardwood floors – will actually save you in the long run because they wear less over time. Be strategic and you’ll boost your resale value, too.

5 14

LOOK FOR A GOOD COMMUNITY

The neighborhood you choose is just as important as RGVNewHomesGuide.com

your physical house. Ask yourself these questions about the community: • Are there Homeowner Association costs and what do they cover? Can you afford these additional expenses?

• Are there extras within the community, such as fitness facilities and parks?

• Are the lot sizes large enough for you?

• Are there schools, shopping areas, and medical facilities in the area?

6

FIND A HOME BUILDER THAT BUILDS BETTER THAN CODE

Every homebuilder in our state must follow minimum building code standards. These minimum codes are mandated by the state, but that doesn’t mean your home was built to these basic code standards even though they are law. The only guarantee that your home was built according to the law is to look for a home certified as an “above-code” home, like with a BUILT TO SAVE™ certified home. Builders who certify their homes as BUILT TO SAVE™ have their homes inspected and tested by a third-party rater who guarantees that the homes are constructed to superior standards over and above what is required by law, and will outperform a similar home built to minimum code. The best reward with the BUILT TO SAVE™ certification is the peace of mind knowing that someone has your back and that you are indeed getting a great home! (Go to BuiltToSave.org for a list of builders participating in the BUILT TO SAVE™ program).

Use these six tips to set a path to buying a new home in the New Year. Once your offer to purchase has been accepted, don’t forget to get your home inspected by a professional. This will ensure you’re making a sound investment in the year(s) to come.

The New North

North McAllen has a new masterplanned community that is making waves. With an island amphitheater, fiber-bundled technology and one of the largest community trail systems in the US, this community is unrivaled anywhere in the country.

Reserve your dream home today, before someone else does.

Info@TresLagosMcAllen. com

Exclusive community by award winning builder, Esperanza Homes.

Homes from the

$180’s

956.205.0605

Single family homes, greenbelt lots available.

Homes from the

$250’s

TresLagosMcAllen.com

Gated community of elegant estate homes.

Estate Lots from the

$100’s TO $190’s

Homebuying Advice

MORTGAGE SHOPPING 101 Loan Types You Need To Know When it comes to building your new home, one of the key steps is to secure a mortgage that is right for you.

This means you will likely have to do some research and shopping around to learn what the options are and where you can get the best rate and terms. Doing your homework can save you a lot of money in the end.

It’s important to understand the different types of mortgages available and how they work. Not all mortgages are the same. Some loans are better depending on how long you plan to live in your home and your current financial situation.

Let’s explore the main options in greater detail.

FIXED-RATE LOAN

When people think of mortgages, they usually first explore fixed-rate loans. With this type of mortgage, the interest rate you get when you sign your mortgage papers is the one that you pay for the life of the loan period. Most fixed-rate mortgages last between 15 and 30 years, so if you agreed to an interest rate of 3.8 percent on a 15-year mortgage, you’ll pay 3.8 percent for 15 years.

Is this mortgage right you? If you’re someone who doesn’t like to risk interest rates increasing, and you plan to be in your home for a long time, this is a good option to consider. Fixed-rate mortgages remove the worry of interest rates that can change quickly. You will also be able to budget for your payment for years to come.

ADJUSTABLE-RATE MORTGAGES

An adjustable-rate mortgage (ARM) gives you a fixed interest rate for a shorter period of time, after which the interest will be adjusted. So if your first mortgage term is 10 years, you will pay your initial interest rate of 3.8 percent for that period of time. However, after that period, your mortgage will adjust annually based on the current interest rates – it may increase or it may decrease. The good news is that your initial interest rate will likely be a lower interest rate than the fixed-rate mortgage offers.

16

RGVNewHomesGuide.com

How do different ARMs work?

Depending on the plan you pick, you can have a fixed rate for the first 3 to 10 years, after which the rate will adjust annually until the end of your mortgage period. The following table is based on a 30-year ARM mortgage

ARM

Year Fixed Rate

Years Your Rate is Adjusted Annually

3/1 5/1 7/1 10/1

3 5 7 10

27 25 23 20

Is this mortgage right you? If your credit score is low, you could get a better interest rate with an ARM compared to a fixed-rate loan. This could make it more affordable for you in the short run. However, when the adjustment period is over, you may have a bigger monthly payment if interest rates jump in five to 10 years (depending on the terms of your loan). Ask questions up front about how often the interest rate will be adjusted. Be sure to find out the worst-case scenario for which you should plan. In some cases, refinancing in the future is not an option, which means you’d be stuck with a higher monthly payment.

If you’re planning to stay in your home for a long time, you need to consider if you can afford a larger payment in the future.

If you’re not planning to be in your home after the adjustment period is over, this might be a good route to go.

FHA LOANS

A Federal Housing Administration (FHA) loan is generally a fixed-rate loan over 15 or 30 years, but it requires a much smaller down payment. To secure an FHA mortgage, you may only have to invest 3.5 percent of the value of your home to get started. When you compare this to conventional mortgages that require a 20 percent down payment, you can see that an FHA loan requires a much smaller up front investment. However, you may also be required to pay additional fees at the start of an FHA loan. One fee may be a mortgage insurance premium (MIP), which is about 1 percent of the loan. If you have less than 10 percent for a down payment, you will more than likely have to pay an annual mortgage insurance premium.

This will be added on to your monthly payment for the length of your loan. One other factor to consider is the size of your mortgage. FHA loans can be no larger

than $417,000 total, so if your new home costs more than that, this option will not be a good one for you.

Is this mortgage right you? If you do not have a lot of money for a down payment, this is a good route to go. However, if you can afford the down payment of at least 20 percent, a conventional loan would save you a lot of money on interest and fees in the long run. Additionally, only choose this option if your home’s purchase price is less than $417,000.

VA LOANS

A Veterans Affairs (VA) loan is a good option for anyone who has served in the U.S. military. Individuals who qualify for a VA loan can get into a home without a down payment or mortgage insurance requirements. To qualify for this type of mortgage, you must meet some stringent requirements. For instance, you must be purchasing your primary home (not a home that you will use as a rental). Additionally, you cannot purchase a home that requires a lot of work (a fixer-upper) since VA loans are only good for homes that meet “minimum property requirements.”

Is this mortgage right you? If you are a veteran who served 90 days consecutively during wartime, 180 during peacetime, or six years in the reserves, this might be your best choice. Do your research to see if you are qualified to apply.

USDA LOANS

This is a program designed for financiallystruggling families in rural areas. It’s a great program for people who might not otherwise be able to become homeowners.

Since this is a 100 percent governmentfinanced loan, it offers many benefits. You don’t need a down payment, and these loans often come with below market interest rates, too. However, you will have

to meet certain financial requirements in order to be eligible.

Is this mortgage right for you? If you live in a rural area, a USDA Rural Development loan can save you money.

If your debt load (what you owe to other creditors) is not more than 41 percent of your income and you purchase mortgage insurance, you might be eligible.

BRIDGE LOAN

If you’re already a homeowner and are ready to purchase a new home but haven’t yet sold your current home, you may need a bridge loan. A bridge loan, or gap loan as it is also known, gives you the option to take out a short-term loan until the sale of your first home is finalized. Here’s how it works: your current mortgage and your new mortgage are rolled into one payment.

After you sell your current home, the portion of your mortgage that covers your old home will be paid off. After that, you can refinance the balance of your mortgage to cover your new home. You must meet certain credit score requirements in order to be eligible for this option.

Is this mortgage right for you? If your credit score is excellent and your debtto-income ratio is low, you may qualify if you’re trying to transition between two mortgages. The amount you need to finance cannot be more than 80 percent of the two homes’ combined value. This is a good option for people who are trying to unload a current home and can’t finance two separate mortgages.

Remember—there are many types of loans out there, and this article only covers a few of the major types. You need to decide which best fits your needs by visiting with a mortgage specialist. With a little homework, you can get into your new home without breaking your bank.

A Visual Comparison of Loan Types Let’s put some numbers to these loans so you can see how this would work in real life.

We’ll use the example of a homeowner who is applying for a $250,000 mortgage. The interest rate is 3.5 percent. For this example, the property taxes and homeowner’s insurance are $300 a month. In the table below, you’ll see an estimate of what you might pay. Keep in mind that credit score requirements vary by lender and loan type, but these tend to be the average minimum FICO scores. Interest rate is approximate.

Loan Type Conventional USDA FHA VA

Minimum Credit Score 660 640 640 620

Minimum Down Payment $50,000 $0 $7,500 $0

Funding Fee $0 $2,500 $4,223 $5,375

Principal & Interest $870 $1,072 $1,123 $1,072

Mortgage Insurance $73 $59 $89 $0

Monthly Payment $1,271 $1,391 $1,512 $1,300

December 2017 / January 2018

17

Homebuying Advice

Homebuyer’s Glossary Some Important Terms Homebuyers Need to Know

When you are building or buying a new home, there will be plenty of words used that might not mean anything to you right away. However, it’s important to know these terms, as they play a large role in the process you will go through to apply for a mortgage. Here are few that are often used in the homebuying journey.

Annual Percentage Rate (APR): The APR is the yearly interest rate. It is reflected in the cost of the mortgage on an annual basis. Lenders will post advertised rates for different types of mortgages and APRs, such as for 30-year or 15-year. This way you can compare them and what each lender offers.

Be prepared that the actual rate you might pay will likely be higher because it includes credit costs and points.

Appraisal: This is an estimate of the house’s value.

A professional known as an “appraiser” will come to the house before you finalize the sale. This person will look at the house and tell you how much it is worth.

Certificate of Occupancy: Before you can move into your new how home, you need proof that the house is properly built and safe to live in. This certificate is that proof. It is provided to your builder by the local government.

Closing: When it’s time for you to move into your new home, you will attend a meeting called “the closing.” You, the lender, and others will be present.

At this time, you will sign the official documents that make you the owner of your home. In some places, this meeting is called a settlement.

18

RGVNewHomesGuide.com

Closing Costs: There are many fees involved in finalizing a home sale. These might include an origination fee, discount points, appraisal fee, insurance costs, taxes, deed recording fees, survey fees, and possibly a title search fee for the land.

Figure these costs to be between 3 to 6 percent of your total mortgage amount.

Discount Points: This is interest you might pre-pay at closing. For example, since each discount point equals 1 percent of the loan amount, if you had 3 points on a $100,000 mortgage, the total cost for discount points would be $3,000.

Down Payment: This is the amount of money you are generally required to put into your home up front to qualify for a mortgage. For example, if you bought your home for $100,000, and you put 10 percent down (or $10,000), your mortgage would be for $90,000. The percent of down payment required varies depending on the type of loan you get. Conventional loans generally require a 10 percent to 20 percent down payment while FHA and VA loans may require much less (up to 5 percent).

Earnest Money: This is money that you put up front as part of the purchase price to show that you

are committed to buying this home. This binds the transaction between you and the seller.

Escrow: While you are in the process of buying your home, the escrow holder is a neutral third party who handles the paperwork for the closing.

After you buy your home, the lender might also have an escrow account for you that holds money from which your property tax and insurance is paid.

Free and Clear: When a property is completely paid for (no liens against it for money owed), it is considered free and clear.

Hazard Insurance: This is insurance you buy from an insurance company to protect your investment in your home should your house catch fire, be damaged by a windstorm, as well as other situations. Hazard insurances do not cover damage from earthquakes, riots, or flood damage.

Depending on where you live, you may be required to buy extra insurance if flooding or earthquakes are a concern.

Market Value: Your home’s market value is the highest price that someone would pay or the lowest price someone would sell the property. It is often different from how much the home would actually sell for at any given time.

Origination Fee: This is the fee your lender charges for the background work done to get your mortgage approved and your home ready for closing. This work often includes preparing loan documents, doing credit checks, property inspections, and any other work required. This fee is usually a percentage of the face value of the loan (the amount of the loan after the down payment is subtracted, and before interest).

Principal and Interest: This is also known as P&I. It refers to how much of your monthly mortgage payment goes to pay down the actual loan value (principal) and how much is for the interest payment (interest).

Principal, Interest, Taxes, and Insurance: This is also known as P.I.T.I. This refers to the breakdown of your monthly mortgage payment based on the principal and interest, plus money that is collected and held in escrow to pay for your taxes and insurance bills when they come due.

Points: Each point equals 1 percent of the principal amount of your mortgage.

Pre-Approval: When you are ready to buy your home, as part of the application process, an

underwriter will go through your income, credit, available funds, etc. to ensure you are a good credit risk. If the underwriter feels everything is in order, he or she will approve it, which means you can go through with your mortgage. Some pre-approvals come with conditions, so do know what they are and keep them in mind.

Pre-Qualified: Before you start to build your home, you should sit down with a loan expert and discuss your financial situation. He or she can then pre-qualify you for an amount for which you should be able to get a loan approved. However, a pre-qualification is not a guarantee that you will get approved, since no one has formally gone through your information and confirmed it.

Purchase Agreement: When you are ready to buy the home, you and the seller (or builder) will complete an agreement that lists the purchase price and any other conditions either of you place on the sale.

Title: This is a document that proves that you own the property.

Title Insurance: When you buy a home, before you go through with the sale, a title search is done to see if anyone else can claim ownership of the property you wish to buy. It will also involve a search to see if there are any outstanding liens against the property that need to be paid (such as taxes, utilities, mortgages). Title insurance is a policy in which the title company assures you that they did their job to uncover any possible claims to the property before issuing a report. If some other claim comes up that wasn’t disclosed in the report, the title insurance company pays it.

Title Search: Before you buy, a title company will search the city or town records to see who has owned the property and to make sure that doesn’t have any liens (money stilled owed to banks) or other claims to ownership.

Underwriting: The job of the underwriters is to verify your information for the lender and decide if you are a good credit risk to receive a loan in this amount or a particular interest rate. They will check your credit, employment, assets, and any other information, like bank statements. They will look at your history as well.

If you know these terms, you will have a much easier time understanding and going through your home-buying process. There are many other terms, of course, but this will get you started on the road to being a knowledgeable and informed homeowner.

December 2017 / January 2018

19

HOMEBUYING HomebuyingADVICE Advice

Why & How to Tour Model Homes Before Buying Make a fresh start in 2018 by buying a new home! It’s a great time to purchase your dream property, but what’s the best way to get started? Tour new model homes! Keep reading to learn the most important things to know as you go through the model home tour experience.

WHAT IS A MODEL HOME?

TIPS FOR TOURING A MODEL HOME

Here are a few ideas on how to use your time wisely while touring model homes.

Make a Checklist and Take It with You: Are there features you require in your future home? For example: maybe natural gas is important to you. Does the community offer natural gas? Perhaps you need four bedrooms or lots of storage space? Make a list of the must-haves and take it with you to compare any homes you tour.

A model home is a fully constructed house that you can tour in person rather than just online. This allows you to walk through the actual floorplans offered by a homebuilder.

Determine Your Price Range: Work with a mortgage counselor before you tour a model home to find out how much you can afford. Be sure to only tour those houses that fit within your price range.

WHAT WILL YOU FIND AT A MODEL HOME?

Taking Photos: It would be nice to take photos, but before taking photos or video, it is best to ask permission first since not everyone is open to the idea. It’s a simple courtesy and will be greatly appreciated by your host.

When you arrive at a model home, you may discover that a sales agent and perhaps even the builder will greet you at the door. If so, one of these individuals will be available to answer your questions about the layout and features of the home and to take you through every room to show you what everything looks like. As you tour the home, the sales agent will likely explain to you various options you can select if you choose to have the home built for yourself—such as changes in floorplans, color schemes, appliances, and more. You’ll notice that it has been furnished and decorated to show potential buyers what it would be like to live in the space.

20

RGVNewHomesGuide.com

Take Notes: If you tour more than two model homes, you will want to take notes about what you like and dislike in each.

Often it’s easiest to pick up a brochure as you walk in and make notes on it. This will make your decision later much easier.

Don’t Be Afraid to Ask Questions: The sales agent is there to help you gather the information you need in order to make the right decision for you and your family.

Be sure to take advantage of his or her knowledge by asking any questions you may have. You may even want to even ask them if there was something you forgot to ask that would be important to know.

Drive Around the Community: Is the community a place in which you’d enjoy living? Does it have a playground for your kids? Nice landscaping? Are there schools and supermarkets close by? Before you leave the neighborhood, drive around to check these items, as well.

These are all helpful points to review as you tour model homes. Be sure to also gather information about each builder.

In particular, ask builders if their homes comply with the State of Texas building code that requires a blower door test and a duct leakage test, and then ask to see the results. These tests are great at predicting the home’s energy performance.

If you get lucky and discover your home has a BUILT TO SAVE™ certification, you need not question the builder any further.

His or her home has been guaranteed by an independent rater to meet the requirements of a high-performance home. Buying a new home certified as BUILT TO SAVE™ is not just about saving money on utilities, it’s about improved comfort, indoor air quality, durability, and a good resale value if you ever need to sell.

Touring model homes and dreaming about your future house should be enjoyable. So, most of all, have fun!

Homebuying Advice

Why Buy New

3

If you’re in search of a new home, you’re likely debating the benefits of a newly built home versus an established one. There are several factors you should consider before you start your search. Too many people pass up an opportunity to build their own home without thinking about the pros of new construction. Let us give you some thoughts to ponder.

4

Benefits of Building a New Home

Imagine for a moment you get to decide everything about your new place.

These are the benefits of being able to build new and choose every aspect of your new home’s design:

1

Easier to Maintain: Since everything from your roof to the HVAC system are brand new, you don’t have to worry about what will stop working. You get new warranties with new construction. This will help guard against major repair costs. It also means you won’t have to save as much money for when something like the water heater needs repair.

2

More Efficient and Healthier: For example, take the BUILT TO SAVE™ program—you can connect with contractors who know how to build energy efficient homes. They also understand which building materials are healthier. For instance, they can help you choose low and zero-VOC (volatile organic compound) building materials and paints that are better for your indoor air quality.

Floor Plan: In a new home, you get to select how you want your house laid out. If you want a formal dining room, you can have it. If you want an open floor plan with floor to ceiling windows, you get to decide that, too.

Personalized Materials: A new home allows you to decide on special features. For instance, you can choose the type of flooring or countertop material you want to use.

5

Location: New homes tend to be built in communities that are designed for lifestyles, such as proximity to parks, schools, or public transportation. That means you can choose your new house based on a neighborhood that best suits what matters to you.

6

Timing for Moving: It takes about five to six months to complete a new home build. This will give you time to plan for your move to take the pressure off of the process.

Remember, a new home might seem to have a higher price tag, but being able to personalize your home and save money over time will be worth the cost in the long run.

December 2017 / January 2018

21

We’re Expanding To The Texas Coastal Bend Region.

For advertising call (956) 778-3590 or email info@rgvnewhomesguide.com

On The Cover | Waldo Homes

Waldo Homes Custom Homes That Impress The Soul Over a very short period of time, Waldo Homes has built an amazing following of satisfied homebuyers and continues to spread their growing success in the Rio Grande Valley. The company, founded by Luis Waldo, is a family-owned business dedicated to the construction of unique custom homes that impress both inside and out-making homebuyers proud to own a Waldo home.

W

A L D O

H O M E

S

The Waldo Homes team includes Luis Waldo’s wife Teresa, their son Danny, and their daughter, Karen Waldo. It is a small team no doubt, but they share a huge passion for building quality custom homes that amaze and inspire—we’ll call it the “Waldo Wow Factor.” It is that overwhelming feeling you get when you realize you are looking at something that someone dreamed of, planned, and then constructed with meticulous craftsmanship until it was perfect. That’s what you will naturally feel when you visit a Waldo Homes model.

From uniquely designed exteriors with strikingly beautiful stone accents, to majestically inspiring interiors that dazzle the viewer with a complimentary blend of materials, colors, textures, and designs, you will be impressed. Grand entrances with curved marble stairways, customdesigned high ceilings, towering Cantera columns, oversized natural tile flooring, exotic granite countertops, designer light fixtures, and many other elements are brought together by the Waldo Homes team to create whatever vision of beauty and elegance they promised to deliver.

Essentially, the success of Waldo Homes is nothing more than delivering to their customers what was promised—customer

satisfaction. The team is able to accomplish this by listening to and working sideby-side with every homebuyer to truly customize a home to their wishes. A first meeting with the Waldo team will reveal their personal and caring style when it comes to taking care of business. At the core of their success, of course, is the ability to deliver on their promises of quality—something they are able to accomplish by surrounding themselves with subcontractors who share a vision for quality and customer satisfaction.

Waldo Homes is proud to have been recognized consistently over the years, including this year, by the Rio Grande Valley Builders Association’s Parade of Homes with several awards including ones for “Best Model” in a variety of price ranges—from homes in the $201,000 to $300,000; Over $350,000; and $400,000 to $500,000. The company builds homes in the ranges from $150,000 to $800,000 plus and can build anywhere in the Valley—on your lot or on theirs.

Visit WaldoHomesRGV.com for more information and make an appointment to tour a Waldo Homes model. Then, get ready to personally experience the “Waldo Wow Factor”!

December 2017 / January 2018

23

Energy Efficiency

WHY WOULD WE BUY A HOME THAT USES MORE ELECTRICITY? The utility bill may be one of those bills we dread to open every month—especially for those of us who live in the Rio Grande Valley that has one of the hottest climates in the nation. It used to be that we would have to move into our new home before we could know—for sure—how energy efficient it was. Of course, if the news was bad, by then it would be too late to do anything about it. We were stuck in our inefficient home.

24

RGVNewHomesGuide.com

That is not the case any more. Tests are now available that can predict the energy efficiency of a new home after it is constructed, and, surprisingly, there is also software that can make these energy efficiency predictions before the home is even built. Here’s the important fact: Not only are these tests available, they are now required by State law. As of August 1, 2016, every home in the State of Texas must receive a blower

door test and a duct leakage test (unless in conditioned space) before being sold. The tests must comply with the new 2015 minimum energy codes adopted by the State of Texas to pass.

You should also know that just because a municipality does not enforce the 2015 energy codes, this does not mean that the builder is not responsible for complying with the law.

Today, energy efficiency is (or should be) foremost in shopping for a new home. And surprisingly, it should be critical not just because it’s about saving money (and energy) but more importantly because the energy efficiency of a home is a good window into just how well that home was built. It makes sense then to say that if you do not have any information on a home’s energy efficiency before you buy—you really don’t know how well that home has been built.

The energy efficiency of a home determines more than how much money a homeowner will save on utilities. It determines our quality of life and many of the things we enjoy most in a home: interior climate and comfort; indoor air quality; and a home’s overall maintenance and durability.

For example, when we talk about the superior energy efficiency benefits of a BUILT TO SAVE™ certified home, we tend to focus on the money-saving benefit of the program.

However, the true benefits of the BUILT TO SAVE™ program are that in order to realize those savings, every other component of the home must be in sync and quality constructed to achieve a high-performance home. The BUILT TO SAVE™ certified home will comply with the following: a properly-sized A/C unit; the correct R-value and properly installed insulation in the walls and ceiling; even room-to-room air temperatures and pressures; complete thermal envelope inspections; properly designed ductwork; preventative moisture problem protection; improved indoor air quality; and the durability and resale value you deserve. Best of all, someone other than the builder guarantees that the work was done!

Paying for electricity in your new home is a given.

Receiving a lower utility bill is a choice.

Featured Energy Efficient Builders

Choose a BUILT TO SAVE™ certified home.

The builders participating in the BUILT TO SAVE™ Program are constructing homes the right way, and you don’t have to take our word or the builder’s word for it. Every certified home is inspected and tested by an independent Home Energy Rater to verify that the builder has met the above-code requirements of the program, and is issued a BUILT TO SAVE™ certificate.

Magic Valley Electric Cooperative (MVEC) is committed to reducing the energy consumption of new homes by sponsoring high-performance home programs like BUILT TO SAVE™ and ENERGY STAR ©. These programs are designed to improve a home’s comfort, save money on utilities, and protect the homeowner’s investment.

Rich Heritage Const.

Villanueva Const.

Ruben Ruiz

Martin Villaneva

(956) 460-8035

(956) 800-8889

richheritagetx.com

villanuevahomes.com

www.MagicValley.Coop BuiltToSave.org

December 2017 / January 2018

25

Tidbits

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 be glad you have it if you resell your 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®

®

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™

The BUILT TO SAVE™ program is a regional energy efficiency program designed to provide a high performance home that is “superior to code.” To receive the BUILT TO SAVE™ certification, homes must be inspected before drywall is installed to insure proper insulation, 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 the following: savings through low energy consumption, a more comfortable home, better indoor air quality, and less maintenance, all resulting in a higher resale value for the home. Visit BuiltToSave.org for more information.

GreenBuilt RGV is a voluntary program for building industry professionals who are committed to using products, technologies, and environmentally friendly building practices in their construction process, resulting in better built homes that provide greater energy efficiency, improved air quality, and protection for the environment. The GreenBuilt RGV program is administered by the Rio Grande Valley Builders Association and is designed to encourage the use of sustainable materials in construction in order to conserve energy and protect our natural resources. Visit rgvba.org for more information.

26

RGVNewHomesGuide.com

Visual Inspections and Testing A home with a BUILT TO SAVE™ label has gone through stricter and more comprehensive inspection and testing than a home built only to code.

— Preliminary Review A builder is required to submit the home’s floor plans and elevation drawings to see if any changes are required to provide more energy efficiency. The home’s Manual J, which determines the proper size of the air conditioning unit for the specified size of the home, must also be submitted for review to ensure that it is correct. The data is then

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 15% to 30% less energy than a similar home and provides better durability, more comfort, cleaner indoor air, and reduced maintenance costs. Visit energystar.gov for more information.

GREENBUILT RGV

THIRD-PARTY VERIFICATION FOR THE BUILT TO SAVE™ LABEL

entered into a software program that projects the expected energy efficiency for that home—allowing builders to make appropriate changes if required.

— Thermal Bypass (Pre-Drywall Inspection) A visual inspection is performed during the framing phase of a home to ensure that there are no gaps in the thermal barrier that would allow cold air to escape from the inside of the home to the attic. The insulation is also inspected to ensure it has the correct R-value and that it was properly installed.

— Blower Door Test & Duct Leakage Testing The final inspection and testing is performed once the home is complete using special diagnostic equipment to conduct a blower door test, which measures the air leakiness of the home, and a duct leakage test that measures the leakiness of the ducts. Final results must meet the requirements of the program for the home to pass. These tests will predict the home’s future energy efficiency performance.

— RESNET Approved Third-Party Raters While anyone can perform third-party inspections with the proper equipment, it is important to ensure that the rater is a RESNET approved inspector. RESNET is the accrediting agency for Home Energy Raters.

Qualified raters are issued an RTN# by RESNET. Make sure your rater has one and is listed on RESNET’s website (www.resnet.us) as a current member. See page--- for local raters. IMPORTANT CHANGE IN THE 2015 ENERGY CODE REGARDING INSPECTORS Third-party inspectors must not have been affiliated with the design or construction of the building (Section C104.4).

Energy Efficiency

ENERGY EFFICIENT PRODUCTS

This page will highlight different materials and/or products that are key contributors to energy savings, interior comfort, and lower utility bills. Often, the little extra expense in up-front costs of these materials and products is minimal compared to long-term savings—especially if you, as the homeowner, consider all the resulting benefits for the life of your home.

Products recommended by

IF YOUR BUILDERS WON’T BUY THESE PRODUCTS, TELL THEM YOU WILL. ECLIPSE™ RADIANT BARRIER ROOF SHEATHING Lower Attic Temperatures By 30°F

Using radiant barrier roof sheathing or decking is one of the most inexpensive and cost effective ways to save on utilities. This product can be as little as $2 more per sheet than non-radiant barrier decking, yet some don’t use it in constructing a home because it adds (often as little as $500) to the cost of the home. The Eclipse radiant barrier decking is designed with a foil backing to block up to 97% of the sun’s radiant heat, cutting attic temperatures by as much as 30°. Radiant barrier decking can easily pay for itself in less than one year with savings on utilities. Studies show that radiant barriers can reduce cooling costs 5% to 10% when used in a warm, sunny climate. This product is available at Matt’s Building Materials where you’ll find the lowest prices. See page 32

FILLER

Find out more from the professionals at Matt’s Building Materials Pharr • Palmview • San Benito • (956) 787-5561 • www.mattsbuildingmaterials.com

BIOBLOCK BioBlock, designed with green building in mind, are the only blocks with added benefits. These blocks are made of green materials that possess a significant amount of durability, which secures sustainable framework for generations to come. The highly engineered blocks reduce construction time by 20%. The added insulation from BioBlock ensures that less energy is needed for heating and cooling, therefore providing potential savings of $600-$1,000 annually on electricity bills. Choose the blocks that matter. See page 33 Find out more from the professionals at Master Brick (956) 782-9332 • www.masterbrick.com

ICYNENE® SPRAY FOAM INSULATION Spray foam insulation is the best type of insulation—outperforming others by a huge margin. Energy savings can be as high as 50% more than other insulation. Because of its expansive nature, spray foam easily and tightly seals all nooks and crannies. The airsealing quality of spray foam is the key to reducing energy bills and helps homes achieve excellent efficiency and the low Energy Rating Index scores needed to qualify for high performance home programs. Additional benefits include superior R-value, mold and pest resistance, quieter interiors, and cleaner indoor air. See Page 30 Find out more from the professionals at VES Insulation 1006 E. Ferguson St. Pharr, TX 78577 • (956) 638-3594 • www.insulatergv.com

ves

IN SU LA TI ON

Learn more about the BUILT TO SAVE™ Program and its benefits at www.BuiltToSave.org.

December 2017 / January 2018

27

Awards of PRESENTED TO

VILLANUEVA CONSTRUCTION & AFFORDABLE HOMES OF SOUTH TEXAS, INC. for enrolling the highest number of homes in the BUILT TO SAVE™ Program in 2017.

Affordable Homes of South Texas, Inc.

Villanueva Construction

(L to R) Noel Perez (MVEC Marketing Specialist) and Abraham Quiroga (MVEC Business & Employee Development Division Manager) presenting the BUILT TO SAVE™ Award of Recognition to Villanueva Construction: Stephanie Villanueva Benitez (Owner/ Design Coordinator) and Martin Villanueva (Owner/Builder).

Villanueva Construction is a family-owned business building homes in the Rio Grande for over 20 years.

Abraham Quiroga (MVEC Business & Employee Development Division Manager) and Noel Perez (MVEC Marketing Specialist) presenting the BUILT TO SAVE™ Award of Recognition to Fred Munguia, Construction Manager for Affordable Homes of South Texas, Inc., a local non-profit organization dedicated to helping homebuyers achieve the American dream of home ownership since 1976.

Magic Valley Electric Cooperative Presents

The BUILT TO SAVE™ Recognition Awards Aside from the obvious increased savings on utility bills, a certified BUILT TO SAVE™ home’s most important advantages are found in all the other benefits of meeting the Program’s construction requirements. Builders who are not afraid to have a licensed third party inspector review and test the construction quality of their homes should be commended for having confidence in their work and for their commitment to improving the energy efficiency and construction quality of their homes.

While it is much simpler to build homes to minimum code standards, builders like Villanueva Construction, Affordable Homes of South Texas, Inc., and other BUILT TO SAVE™ builders choose to build to higher standards. It is a choice that affects the entire company team and its subcontractors for the better—and the ones who stand to benefit the most are the company’s homebuyers!

B U I LT T O S AV E . O R G

REAL QUALITY IS BEHIND THE WALLS. DON’T TAKE ANYONE’S WORD THAT YOUR HOME IS A HIGH-PERFORMANCE HOME.

ASK FOR PROOF. ASK FOR THE BUILT TO SAVE™ CERTIFICATE.

High-Performance Certification Benefits

+ FOR THE HOMEBUYER

+ FOR THE BUILDER

Lower utility bills + Enhanced interior comfort + Consistent

Utility company rebates up to $800 per home + Federal tax

room-to-room temperatures + Better indoor air quality

credits up to $2,000 per home + Competitive marketing

+ Tighter, more durable construction + Higher resale value

advantages + Homeowner satisfaction

+ Satisfying peace of mind

+ Third-party guarantee of high performance

Magic Valley Electric Cooperative, a BUILT TO SAVE™ Partner, provided rebate incentives to builders certifying their homes in the BUILT TO SAVE™ program in 2017. Rebate incentives which offset the cost of inspections were paid on a home-by-home performance basis and required testing by an independent, licensed third party rater with proper inspection and testing documentation, proving that the Program’s criteria were met.

ONE TYPE OF INSULATION IS SUPERIOR TO ALL OTHERS—

...An Investment With A Huge Return!

Lower, remarkable HERS scores Energy efficient and airtight home envelope Protection from moisture infiltration Cleaner and healthier indoor air quality Quieter interiors with protection from outside noise Less pollutants, insects, rodents, and other pests Enhanced interior comfort--all year long

Call / Text / Email us for a FREE ESTIMATE or CONSULTATION. (956) 638-3594 | rob@valleyenergyspecialist.com | www.InsulateRGV.com

1006 East Ferguson St., Pharr, Tx 78577

30

RGVNewHomesGuide.com | December 2017/January 2018 | Vol. 26.1

Energy Efficiency

1

Ask your builder for ENERGY STAR® appliances

The appliances and electronics in your home consume 20% of the electricity you use. Request only ENERGY STAR for your new home’s refrigerator, washing machine, dishwater, and other appliances. Over the lifetime of owning these appliances, you will save $900!

2

Go low-temp with your water heater

Most homes don’t need steaming hot water for everyday use. Lower your water tank’s temperature from 140 degrees F to 120 degrees F without compromising your comfort or the functionality of your appliances. Doing so will reduce your hot water bill by 10% monthly.

Get cold while doing laundry

Your hot water adds 20% to your utility bill every month with a conventional hot water tank. Use cold water instead. This will not reduce the effectiveness of your cleaning routine, especially if you use detergents formulated for cold water. If you do three loads of laundry weekly, you could save between $25 and $100 every year by washing in cold water.

3

4

Take shorter showers with an efficient showerhead

Most new homes today have showerheads that use about 2.5 gallons of water per minute (gpm).

Have your new home builder upgrade to showerheads that consume only 1.85 gpm. Doing so could save you $25 or more every year. Save even more money by installing a shower timer to reduce your time in the shower from 12 minutes to 5 minutes.

This extra step could further reduce your hot water costs by between $10 and $100, depending on how many people are in your house.

6

Have a programmable thermostat installed

If you’re at work or school and away from your home during the day, there’s no need to keep the temperature within a perfect range.

After all, your furniture doesn’t need to be cool on hot days. Turn up the thermostat by 10-15 degrees for 8 hours every day to save 10% on your monthly energy bill. This is easy to do with a programmable thermostat. Ask your builder to install one before you move in. It could save you up to $180 76° every year.

ENERGY SAVING TIPS

BY MAKING SOME BASIC CHANGES AROUND THE HOUSE, YOU CAN SAVE BIG BUCKS ON YOUR MONTHLY BILLS!

5

Hang laundry to dry

Most households spend about $100 a year on electricity to run a clothes dryer. You could save this money instead by hanging your clothes to dry either indoors or outdoors. You’ll also save money by protecting your clothes. The heat of a dryer wears down the fibers of your clothing over time.

Hanging your clothes to air dry prevents this damage to your clothes, which will save you from replacing them over the years.

7

Draw your blinds

Most homeowners spend about $1,800 every year on heating and cooling. Given our hot climate, you’ll likely pay $300 monthly for air conditioning during the peak cooling months. The sun warms your home during this time, which will increase your need to use your fans and air conditioners to stay comfortable.

You can lower your need for air conditioning by drawing your window blinds. Shade your windows – especially those that receive direct sunlight – with drapes and blinds to cut the heat gain by 45% in the summer months.

Vol. 26.1 | December 2017/January 2018 | RGVNewHomesGuide.com

31

PLUMBINGANDELECTRIC.COM

Lighting Professionals - WITH BRIGHT SOLUTIONS FOR YOU -

[ LIGHTING DISPLAYS ONLY IN PHARR & BROWNSVILLE ] Weslaco Showroom Coming Soon!

VALLEY-WIDE LOCATIONS McAllen, Tx 700 N. 23rd. St. • (956) 631-1124 Pharr, Tx 706 W. Ferguson Ave. • (956) 782-0080 Weslaco, Tx 625 S. Airport Dr. • (956) 968-8525 Harlingen, Tx 315 S. West St. • (956) 423-6387 Brownsville, Tx 3805 International Blvd. • (956) 544-4103

32

RGVNewHomesGuide.com | December 2017/January 2018 | Vol. 26.1

Classic Lifestyles Are Born Here J.C. NORIEGA (956) 975-6300 / 454-4102 | CLASSICHOMESRGV.COM B U I L D O N YO U R LOT O R O U R S • CO N S T R U C T I O N F I N A N C I N G AVA I L A B L E

Lord & Gonzalez L.P.

BIOBLOCK

GREEN BUILDING REIMAGINED

THE ONLY BLOCKS WITH ADDED BENEFITS

SAVE ON ELECTRICITY

REDUCE CONSTRUCTION TIME

HIGHER DURABILITY

BLOCK INSULATION WILL POTENTIALLY

LESS TIME NEEDED TO COMPLETE YOUR DREAM HOME. REDUCE CONSTRUCTION TIME BY 20%.

PROVIDING HIGH-QUALITY BUILDING

BRING ANNUAL SAVINGS ON ELECTRICITY OF

$600- $1,000.

HOME BUILDERS

MATERIALS THAT BRING LONGEVITY TO YOUR HOME FOR GENERATIONS.

CONTACT US www.masterbrick.com Vol. 26.1 | December 2017/January 2018 | RGVNewHomesGuide.com

33

We have an

A+ rating with the Better Business Bureau

Model Home

E ndlessPossibilities

“An Infinity Custom Construction, LLC Company” (956) 460-3290 • (956) 534-2353 www.InfinityHomesRGV.com

34

RGVNewHomesGuide.com | December 2017/January 2018 | Vol. 26.1

Ensenada at Tres Lagos 4412 Ensenada Ave., McAllen, Tx

Mon. - Sat. 10am - 6pm Sunday 11am - 5pm

new website

COMING DECEMBER 2017

www.rgvNewHomesGuide.com The Rio Grande Valley’s most comprehensive resource for new homes, new home builders, and new home communities.

Vol. 26.1 | December 2017/January 2018 | RGVNewHomesGuide.com

35

+

FURNISHED MODEL HOMES There is nothing like actually walking through a home. These builders have their homes furnished and ready for you to tour. Stop by and see which one FEELS like home.

HOMES

www.InfinityHomesRGV.com \\ See page 34

www.WestWindHomes.com \\ See page 13

www.TresLagosMcAllen.com \\ See page 15

www.BentsenPalm.com \\ See page 15 SALES: Juan Pacheco: (956) 369-2456 juan@mlrhodes.com

36

ADDRESS: Tanglewood at Bentsen Palm 1920 Seagull Lane Mission, TX HOURS: Tuesday - Saturday 10:00am to 6:00pm Sunday & Monday Closed OFFICE: (956) 380-6500 *Se habla Español

RGVNewHomesGuide.com | December 2017/January 2018 | Vol. 26.1

www.WestWindHomes.com \\ See page 13 OFFICE: (956) 688-9787

ADDRESS: Plantation Gap 7018 N. 44th McAllen, TX HOURS: Monday - Friday 10:00am to 7:00pm Saturday 12:00pm to 6:00pm Sunday Closed

ADDRESS: Retama Village at Bentsen Palm 2204 Seagull Lane Mission, TX Active Adult Community 55+

www.BentsenPalm.com \\ See page 15 SALES: Kim “Tassie” Williquette: (956) 530-3252 kim@mlrhodes.com

www.BentsenPalm.com \\ See page 15 SALES: Juan Pacheco: (956) 369-2456 juan@mlrhodes.com

HOURS: Monday - Saturday 9:00am to 5:00pm Sunday Closed OFFICE: (956) 380-6500

ADDRESS: Del Oro at Bentsen Palm 613 S. Paseo Del Rey Mission, TX HOURS: Monday - Saturday 10:00am to 6:00pm Sunday 12:00pm to 6:00pm OFFICE: (956) 380-6500 *Se habla Español

Mission

Mission

SALES: Shant Samtani: (956) 335-6908 shant@esperanzahomes.com

ADDRESS: Ensenada at Tres Lagos 4404 Ensenada Ave McAllen, Tx HOURS: Monday - Saturday 10:00am to 7:00pm Sunday 12:00pm to 5:00pm OFFICE: (956) 205-0605

OFFICE: (956) 704-2344

Mission

McAllen

OFFICE: (956) 546-8983

ADDRESS: La Floresta 2112 Queens McAllen, TX HOURS: Monday - Friday 10:00am to 7:00pm Saturday 12:00pm to 6:00pm Sunday Closed

www.WestWindHomes.com \\ See page 13

ADDRESS: Hibiscus Hill 2901 Northgate Ln. McAllen, TX HOURS: Monday - Friday 10:00am to 7:00pm Saturday 12:00pm to 6:00pm Sunday Closed

McAllen

McAllen

SALES: Eddie Garza: (956) 460-3290 | Mario Peña: (956) 534-2353 info@infinityhomesrgv.com

ADDRESS: Ensenada at Tres Lagos 4412 Ensenada Ave McAllen, Tx HOURS: Monday - Saturday 10:00am to 6:00pm Sunday 11:00am to 5:00pm OFFICE: (956) 460-3290

McAllen

McAllen

BUILT TO SAVE™ & ENERGY STAR® Certifications represent homes with lower ownership costs, and require less energy for heating and cooling.

Edinburg

ADDRESS: The Hills at Chapin 1409 Chapel Hill Edinburg, TX

www.CaminoRealBuilders.com \\ See page 3 SALES: Pablo Rodriguez: (956) 429-8662 salescaminoreal@gmail.com

HOURS: Open Daily

By Appointment

www.DHConstructionRGV.com \\ See page 9

OFFICE: (956) 992-9501

ADDRESS: Summerset Estates 1412 Maravilla Dr. Edinburg, TX HOURS: Open Daily

By Appointment

SALES: Daniel Hernandez - (956) 778-0212 ahernandez65@rgv.rr.com

A L D O

H O M

www.RichHeritageTX.com \\ See page 7 SALES: Ruben Ruiz - (956) 460-8035 • (956) 821-8902

ADDRESS: Jackson Heights 2501 Vancouver Ave. Edinburg, Tx

SALES: Luis Waldo - (956) 466-8590 • 466-8227 luiswaldo@yahoo.com

S

ADDRESS: Summerfield Manor 4917 Nevis Edinburg, TX HOURS: Open Daily 10:00am to 6:00pm

Edinburg

W

Edinburg

www.WaldoHomesRGV.com \\ See page 5

HOURS: Open Daily

By Appointment

E

A L D O

H O M

E

S

ADDRESS: Jackson Heights 2505 Vancouver Ave. Edinburg, TX

www.WaldoHomesRGV.com \\ See page 5

HOURS: Open Daily 10:00am to 6:00pm

SALES: Luis Waldo - (956) 466-8590 • 466-8227 luiswaldo@yahoo.com

www.WestWindHomes.com \\ See page 13 OFFICE: (956) 587-9500

Weslaco

ADDRESS: Rock Springs 213 Stone Ridge Dr Weslaco, TX

www.CaminoRealBuilders.com \\ See page 3 SALES: Pablo Rodriguez: (956) 429-8662 salescaminoreal@gmail.com

HOURS: Open Daily

By Appointment OFFICE: (956) 992-9501

www.WestWindHomes.com \\ See page 13 OFFICE: (956) 520-4888

ADDRESS: Fairhaven Heights 1908 Webster Edinburg, TX HOURS: Monday - Friday 10:00am to 7:00pm Saturday 12:00pm to 6:00pm Sunday Closed

Weslaco

cAMI NO REA L

ADDRESS: Midpoint Estates 1408 Mulberry Weslaco, TX HOURS: Monday - Friday 10:00am to 7:00pm Saturday 12:00pm to 6:00pm Sunday Closed

Start your search www.rgvNewHomesGuide.com The Rio Grande Valley’s most comprehensive resource for new homes, new home builders, and new home communities.

Vol. 26.1 | December 2017/January 2018 | RGVNewHomesGuide.com

Edinburg

W

Edinburg

Edinburg

cAMI NO REA L

37

38

M

ilit

ar

yR

RGVNewHomesGuide.com

2 Mile 2

495

83

Mission

300

Trinity St

Daffodil

Pecan Ave

E Business Hwy 83

Lark Ave

Buddy Owens Blvd

2

BUS

83

2

83

Northgate Ln

McAllen

336

83

115

336

d

Military Rd Jackson Rd

Hobbs Dr McColl Rd

Col Rowe Blvd

10th St

Jackson Rd

McColl Rd

Sprague Rd

104

n Rd

Rd

336

McColl Rd

ton

2nd St

103

10th St

105

Col Rowe Blvd

Tre n

Main St

Oxford

10th St

th

36

St Jude Ave (Mile 6)

Main St

29th St

23rd St

Auburn (Mile 5)

Bicentennial Blvd

29th St

106 Ware Rd

Bentsen Rd

Mile 7

McColl Rd

Mile 2 23rd St

29th St

107

10th St

Mile 4 Bentsen Rd

Conway Rd

Trosper Rd

Los Ebanos Rd

Ware Rd

McColl Rd

23rd St

29th St

Mile 9

23rd St

Buddy Owens Blvd

Taylor Rd

Shary Rd

Glasscock Rd

8 1/2 Mile

Ware Rd

Mile 4 Taylor Rd

Shary Rd

Mile 7

Taylor Rd

Shary Rd

Glasscock Rd

Mile 8

100

Bicentennial Blvd

29th St

302 Glasscock Rd

Stewart Rd

Bryan Blvd

Mayberry Blvd

Los Ebanos Rd

Inspiration Rd

Moorfield Rd

La Homa Rd

101

2nd St

1 Mile S. Rd

500

Ware Rd

BUS Stewart Rd

Alton

Stewart Rd

107

Bentsen Rd

495 Griffin Pkwy Bryan Blvd

Mile 5

Bryan Blvd

St Jude Ave

Mayberry Blvd

Conway Rd

Trosper Rd

Los Ebanos Rd

Inspiration Rd

Moorfield Rd

La Homa Rd

Bentsen Palm Dr

Mile 9

23rd St

Shary Rd

83 Conway Rd

Trosper Rd

Los Ebanos Rd

Inspiration Rd

354

Conway Rd

Inspiration Rd

Moorfield Rd

Schuerbach Rd

Bentsen Palm Dr

Ware Rd

Depot Rd

Monte Cristo Rd

McColl Rd

301 Schuerbach Rd

La Homa Rd

Bentsen Palm Dr

N 102

Ware Rd

303

Schuerbach Rd

Bentsen Palm Dr

Map | New Home Communities Monte Cristo Rd

El Pacifico

107

Mile 8

107

Freddy Gonzalez Dr

205

Trent

Alber

336 Dove

107 Nolana Ave Nolan

495 Pecan A

BUS

83

Jackson Ave

2

69C

BUS

281

Rogers Rd

206

Mile 17 1/2 Rd

204

E Richardson Rd

Raul Longoria Rd

203

Wisconsin Raul Longoria Rd

69C Veterans Blvd (I Rd)

BUS

281

e Ave

102 ..... Estancia at Tres Lagos See pgs. 15 & 41

Canton Rd

Minnesota Rd

203 .... The Reserve at Canton See pg. 42 erta Rd

lb 204 .... The Hills at AChapin See pg. 43

lt Rd

Rooseve

206 .... Russell Park See pgs. 13 & 43 207 .... Sugar Oaks See pg. 43d ta R

Minneso

d MISSION, TX Earling R 300 .... Del Oro at Bentsen Palm See pgs. 15, 36 & 44

301 ..... Retama Village atdBentsen Palm See pgs. 15, 36, 44 Eldora R 302 .... Stewart Oaks See pg. 44

303 .... Tanglewood at Bentsen Palm See pgs. 15, 36, 44

Sioux Rd

ALTON, TX 500 .... Imperial Oaks See pg. 44

Ferguson Ave

495

Tower Rd

Raul Longoria Rd

Veterans Blvd (I Rd)

Sugar Rd

205 .... Camden Village See pg. 43

208 .... Hacienda San Roman See pg. 43

Eldora Rd

495

Rd 13, 36 & 42 ton pgs.

105 ..... La Floresta CanSee

EDINBURG, TX n Rd Trento 201 ..... Telfair See pgs.

1 & 42

Earling Rd

Ave

104 ..... Hidden Cove See pgs. 3 & 41

d nsin 107 ..... Vendome WSee pg.

42R isco

Alberta Rd

Minnesota Rd

69C

Rd 13, 36 & 41 103 ..... Hibiscus Hill Seenpgs.

Anderso

106 ..... Plantation Gap See pgs. 13, 36 & 42

Trenton Rd

Owassa Rd

na Ave

2

281 83

2

Denotes furnished model home See pgs. 36 & 37

To add a New Community on this map, call (956) 971-9700.

BUS

83

281 Moore Rd

Hall Acres Rd

Ridge Rd

Moore Rd

Hall Acres Rd

Alamo Rd

El Rancho Blanco Rd

Tower Rd

Ridge Rd

Cesar Chavez Rd

Veterans Blvd (I Rd)

BUS

Sam Houston Blvd

Stewart Rd

Jacks

101 ..... Escondido at Tres Lagos See pgs. 15 & 41

Curve Rd Texas Rd

Wisconsin Rd

201

rta Rd

MCALLEN, TX 100 ..... Ensenada at Tres Lagos See pgs. 15, 36 & 41

Iowa Rd

Canton Rd

ton Rd

107

Tower Rd

Sugar Rd

Closner Blvd

Edinburg

107

107

Cesar Chavez Rd

Sugar Rd

University Dr

communities Mile 17 Rd

208

Alamo Rd

Schunior St

new home

Mile 17 Rd

Tower Rd

Closner Blvd

69C

Cesar Chavez Rd

281 Chapin Rd

Cesar Chavez Rd

BUS

Alamo Rd

Russell Rd

207

Monte Cristo Rd

Alamo Rd

Jackson Rd

Sugar Rd

Monte Cristo Rd

new home

83

communitiesonline SEE MAP ONLINE

Get directions to a new home community at: www.rgvNewHomesGuide.com/Communities

DOWNLOAD LOT SHEETS

See layouts of neighborhoods and available lots: www.rgvNewHomesGuide.com/Communities December 2017 / January 2018

281

39

New Home Communities

new home

communities How to use this comprehensive new home communities guide

CITY COLOR CODE McAllen

Edinburg

Mission

Alton

NEARBY POINTS OF INTEREST

*Within 5 Mi

Shopping

Running Trails

Fitness Facility

Dining

Bike Trails

Children’s Park

Entertainment

Golf

Schools

Hospital

Expressway

Gated

MAP LISTING NUMBER

This number identifies the community on the locater maps.

CITY COLOR CODE

Cities are coded by color. Each color represents a different city.

ICON LEGEND

The icons on the top right of the community ad indicate amenities or nearby points of interest. See complete legend at the top of this page.

SCHOOL INFORMATION

Find Independent School District telephone numbers and names of related schools.

QUICK LOCATER MAP

See road directions to the community showing minor and major roadways.

PRICES & PROPERTIES FOR SALE

Prices or price ranges are shown for lots, homes, or a combination of both. Prices subject to change without notice. Call advertiser for more information.

new home

communitiesonline

GET DIRECTIONS

www.rgvNewHomesGuide.com/Communities

DOWNLOAD BROCHURES

www.rgvNewHomesGuide.com/Communities

VIEW OUR DIGITAL MAGAZINE www.issuu.com/rgvNewHomesGuide

40

RGVNewHomesGuide.com

New Home Communities

December 2017 / January 2018

41

New Home Communities

42

RGVNewHomesGuide.com

New Home Communities

December 2017 / January 2018

43

New Home Communities

44

RGVNewHomesGuide.com

THE BEST PLACE TO START YOUR NEW HOME SEARCH IS WITH A HOUSING GUIDE. ARIZONA

KANSAS

Arizona New Homes Today NewHomesToday.com

Kansas City New Homes Journal NewHomesJournal-KC.com

CALIFORNIA

MARYLAND

Southern California Home Buyers Guide HBG.com

Suburban MD / Baltimore / Eastern Shore New Homes Guide NewHomesGuide.com

CANADA

Toronto Homes Magazine HomesMag.com Condo Life CondoLifeMag.com DELAWARE

Eastern Shore New Homes Guide NewHomesGuide.com DISTRICT OF COLUMBIA

Washington DC Metro Area New Homes Guide NewHomesGuide.com GEORGIA

Atlanta Communities Magazine AtlantaCommunities.com

NEVADA

Las Vegas New Homes Guide LasVegasNewHomesGuide.com NORTH CAROLINA

Charlotte The Greater Charlotte New Home Link CharlotteNewHomeLink.com Greensboro / Winston Salem / High Point New Home Guide TriadNewHomeGuide.com Raleigh / Durham / Chapel Hill New Homes & Ideas NewHomesAndIdeas.com

Greenville / Spartanburg / Anderson New Home Finder NewHomeFinderSC.com Grand Strand / Myrtle Beach New Home Guide GrandStrandNewHomeGuide.com TEXAS

Rio Grande Valley RGV New Homes Guide RGVNewHomesGuide.com

Rio GRAnde VAlleY BuildeRs AssociAtion

San Antonio San Antonio At Home SAAtHome.com

W W W. R g V B a . O R g | ( 9 5 6 ) 6 8 6 - 2 9 3 2

2017

Parade of Homes MAY 20-21 & 27-28 10am to 6pm

Camino Real Builders Carolina Homes Chris Ryan Homes & Inv. CJE Construction Classic Homes Dream Homes Dynasty Custom Homes Esperanza Homes Frontera Homes Infinity Homes Innovative Construction

Los Lagos Development Mendoza Homes Muniz Construction Rich Heritage Construction RRR Construction Structure Team Torres Quality Homes Treviño Construction Villanueva Construction Waldo Homes WestWind Homes

Sneak Preview Inside

VIRGINIA

- SEE pagES 18 & 19 -

DOWNLOaD OUR FREE paRaDE app aVaILaBLE MaY 1ST, 2017

Northern Virginia New Homes Guide NewHomesGuide.com

NEW HOME TIPS

WHAT IS “QUALITY BUILT”?

HINT: It’s Something You Can’t See

Is It High Enough To Buy A Home?

PAGe 8

PAGe 14

PAGe 20

Add These “Must Haves” To Your List

CREDIT SCORE

“Like Us!” /rgvNewHomesGuide

HOUSING GUIDES of

SOUTH CAROLINA

Charleston / Hilton Head / Savannah Greater Charleston New Homes Guide NewHomesGuideCharleston.com

VOL. 25#3 APRIL-MAY 2017

RIO GRANDE VALLEY

HousingGuides.com

SUPERIOR NEW HOME SEARCH RESOURCES IN PRINT & ONLINE

Your Go-To Place For Stylish Stucco Finishes Home by:

Stucco Exterior

MEETING & EXCEEDING INTERNATIONAL STANDARDS For Stucco, Tile, And Stone Installation Products