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HOME The 2014 Remodelers Council

Building & Remodeling GUIDE The Trusted Resource • hbacnm.com

Renew Your Space Today


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HOME The 2014 Remodelers Council

2014 REMODELERS COUNCIL MISSION STATEMENT To promote professional remodeling through public awareness, education, and ethical business practices.

Building & Remodeling

Board of Directors

Jamie Baxter, Chair Bain Cochran Construction, LLC. (505) 281-4568, jbaxter@baincochran.com Lora Vassar, Home Guide Arch Design (505) 344-0002, lora@archdesignnm.com Carla Wersonick, Cover Competition & Annual Party Doc Savage Supply (505) 884-2656, cwersonick@docsavagesupply.com Joe Rogillio, Meetings Builders Source Appliance Gallery (505) 889-3001, joer@builderssource.com

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The Trusted Resource

Contents 2

Chair’s Note

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Meet Our New Executive Vice President

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What’s Trending in New Home Construction

7 Cover Competition

The Remodelers Council

Maria Colella, Membership Union Savings Bank (505) 341-5240, mcolella@usbnm.com

Diana Lucero, Education & Events New Mexico Bank & Trust (505) 830-8103, dlucero@nmb-t.com

Kim Montano, Bowling Tournament Arizona Tile & Granite (505) 659-6759, kmontano@arizonatile.com

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Who Is The HBACNM and What Do We Do?

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Giving Back

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Redefining the Improvements in Remodeling

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Do I Need a Building Permit?

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Understanding Radon

Norm Schreifels, Advisor Sun Mountain Construction, Inc. (505) 892-8855, norm@sunmtnconst.com

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Why It Pays to Buy from Brick and Mortar Businesses

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Save Energy, Save Money!

Ron Sisneros, Advisor United Stoneworks (505) 821-7625, ron@unitedstoneworks.us

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Directory

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Financing Your Construction Project

Steve Hale, Advisor Hale and Sun Construction, Inc. (505) 890-5335, halesun@comcast.net

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Contract$

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Efficiency and Safety

The Remodelers Council Home Building & Remodeling Resource Guide

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Essentials to Building Your Custom Home

is published by Bella Media in cooperation with the Home Builders Association of Central New Mexico Remodelers Council © 2014. Reproduction in whole or in part without permission is prohibited. For publishing information, call (505) 983-1444. Publisher: Bruce Adams, badams@santafean.com Editor: Phil Parker, phil@santafean.com Associate Publisher/Creative Director: B.Y. Cooper Graphic Design: Michelle Odom, Sybil Watson This 2014 Home Remodeling Guide was printed by Publication Printers on SFI-certified paper. Papers used contain fiber from well-managed forests, meeting EPA guidelines that recommend a minimum 10% post-consumer recovered fiber for coated papers. Inks used contain a percentage of soy base. Our printer meets or exceeds all federal Resource Conservation Recovery Act standards.

Cover

There’s No Place Like Home, LLC Cover Competition Winner

Guesthouse Oasis Remodel

hbacnm.com REMODELERS COUNCIL

Home Builders Association of Central New Mexico 4100 Wolcott Ave. NE, Suite B Albuquerque, NM 87109 (505) 344-3294 fax (505) 345-3795


After!

before...

Chair’s Note Helping to Create Your Vision Growing up with parents who started in the construction industry more than 35 years ago offered me priceless insight into the creative process and the benefits to building long-lasting relationships. Learning the value of hard work at a young age by keeping the site clean, swinging a hammer with dad and absorbing the importance of quality, and discovering the intricate art of laying tile and brick with mom taught me the satisfaction of a job well done. Decades later, I am grateful every day to still be involved in the family construction business. That family now extends to the HBA community, and we are surrounded by others who strive for excellence and embrace the opportunity to help you create your vision. Here I share with you some of the most important tips I have learned through the years: • Construction is a profession for a reason. When you hire a builder/remodeler you are also buying a service that should include local expertise in quality, scheduling, budgeting, industry relationships, materials, and coordination from one phase to the next. Find someone who is dependable and competent. In New Mexico (rules vary by state) work with a contractor who is licensed, bonded, and insured. • Budgeting and all of the decisions for a project can be fun. There are many choices to make, and by creating a list of your priorities you can discuss wants versus must-haves with your professional. This is especially important for staying within budget. Your designer or contractor can give you a list of deadlines and clear direction so you can visit showrooms and make decisions in time to meet the project’s schedule. • Written estimates and contracts ONLY. The estimates (yes, get more than one to compare) should tell you who, what, where, when, and the estimated cost of your project. A low price may indicate the project won’t live up to industry, or your, standards. On the other hand, what seems a high amount could mean that contractor included something the others didn’t. Seeing the estimates in writing to compare the particulars can help you choose someone in line with your budget and vision. Once you’ve decided on a firm, your written contract should have the information from the estimate with any agreed-upon changes, be signed by both parties, and be clear and complete.

CONSTRUCTION

• The unexpected. Every project has something unknown or an issue that needs further investigation. Keep communication open with your builder/remodeler, and stay cool; you’ll get through it as a team. The right contractor has a plethora of experience and vendors to tackle whatever may arise.

Celebrating 30 years of our family serving yours!

While the process of construction can be financially and emotionally intimidating, the relationship you create with your builder/remodeler makes all the difference. HBA is your trusted resource, and as you read through the following pages you’ll learn about local and online resources to help you create your vision.

BAIN COCHRAN

baincochran.com

Jamie Baxter Remodelers Council Chair Bain Cochran Construction, LLC


KEYSTONE H

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New Construction Remodels Additions Certified Green Builder For More Information Please Call Scott Hauquitz, Owner/Builder, at 505.362.6644.


Meet Our New We pledge to: Conduct our business operations in a manner that will reflect credit upon ourselves, the Remodelers Council, and the remodeling industry. Comply, both in spirit and letter, with rules and regulations prescribed by law and government agencies for the health, safety, and welfare of the community. Avoid using any statement or implication that may be misleading or deceptive. Accurately and honestly describe the price, materials, and standards of workmanship used in our jobs. Use only materials that are equal to or exceed the quality of those specified in the contract. Start the construction process as soon as feasible upon award of a contract and proceed diligently to completion of the project without unnecessary delays.

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Executive Vice President

Specializing in economic and business development, HBACNM Executive Vice President John Garcia’s expertise stems from a variety of experiences—from management (Bennigan’s restaurant and Marriott Hotels) to serving as executive director of the New Mexico Restaurant Association and secretary of the New Mexico Department of Tourism. Garcia was also appointed by the president of the United States to serve on the Advisory Council for Historic Preservation in Washington, D.C. “Your home is something that can really make a difference in your lifestyle and affect your true quality of life,” Garcia says. “Here at the HBA, we have a list of certified professionals who know their businesses and would be happy to help you with your project. This is where you can save time and money, and avoid heartburn when it comes to completing your project.” John is passionate about creating opportunities for investments and jobs in our state, and we are proud to have him as a member of the HBA team!

John Garcia

Code of Ethics

Grew up in Albuquerque, NM. Will eat anything “just to say I did,” but a bacon breakfast burrito is his first choice. Enjoys making music with his kids as long as they play louder than he does. Skis every chance he gets. If he’s not skiing, he’s running in the Albuquerque foothills. Is not his identical twin brother (but we really can’t be sure).


What’s Trending in New Home Construction by Brian McCarthy of Abrazo Homes In 2013 we ushered in new trends and said farewell to others. New residential construction permits in the Albuquerque area rose for the third straight year, suggesting demand for new construction should be on the rise again in 2014. Here’s what buyers are looking for from new homebuilders.

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Technology – When building from the ground up, homeowners are choosing to maximize the in-wall technology and to “future proof ” against a perpetually progressing world of technology. Buyers are opting for Cat5 (computer network) wiring to each room in the house, as well as HDMI cables concealed within the wall cavities for a clean, wall-mounted TV installation. Some builders are also offering web-connected “smart homes” that allow you to change your thermostat settings, turn on lights, or unlock doors from your smartphone. In the future, you’ll always be connected to your home.

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Size – According to Metrostudy, the average square footage of new construction was up year over year, and why not? Most new homes on the market today have oversized living rooms, ample master suites, flex spaces, and larger closets compared to homes built even a few years ago. Expansive, open floor plans are an entertainer’s delight, and master bedroom closets that pass through to the utility room make laundry day a breeze!

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Energy Savings – Although the final tally is not in yet, it is believed that more than 70 percent of new homes built in the Albuquerque metropolitan area were built to the Build Green NM Silver level in 2013. Consumers are realizing the benefits of tightly sealed new homes, with utility bills that save more than 35 percent compared to homes built in 2009. These savings actually make a more expensive green home more affordable than a smaller, less expensive energy hog. One savvy homebuyer reported a December gas bill of just $12!

Location, Location, Location – Many new home communities are now tailored to a large variety of lifestyles. From active adult communities to master-planned communities with playgrounds, pools, and parks—new home communities have just the right mix of convenience, amenities, and charm to suit your needs. Rio Rancho is popular for its awardwinning schools, while Mesa del Sol offers a walkable streetscape packed with neighborhood amenities and a close-to-everything location. For those wanting to “get away” from the hustle and bustle of city life, Los Lunas offers a charming rural setting with a main street and a relaxed, small-town feel. Custom homebuyers will love the space available for outdoor living in areas like Corrales and North Albuquerque Acres. The good news is that the spectacular New Mexico sunsets are visible from just about anywhere! While new construction offers many advantages, it can’t re-create the threshold you went through on your wedding day, or the dining room where you’ve spent your last 15 Thanksgivings. Today’s remodelers can replicate many, if not all, advantages of new construction. Nevertheless, if your housing needs have changed and you’re considering building a new home, turn to the Home Builders Association of Central New Mexico to find a builder and community that are right for you. 2014 Home Remodeling

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We offer FREE education for improving existing homes. There is no cost or obligation of any kind. This program is offered as a public education service. Call for details 505.344.3294.

Neighborhood Education O U T R E A C H The Green Build Council is available to speak at your local neighborhood association on a host of topics including maintenance, products, and improving your home’s health and performance. Knowledge, products, and techniques in the construction industry have changed considerably over the last 40 years, yet many of our existing homes remain in a state of high maintenance, high energy consumption, and sometimes poor air quality that can result in health issues.

Working together for our community:

What our panel of G.R.E.A.T.* experts brings to you

Our G.R.E.A.T. panel includes a wide range of industry experts in areas including Heating & Cooling, Energy, Incentives, Plumbing, Insulation, Windows, Remodeling, and more.

Green Build Council Retrofit Education Assistance Team

For more information about the Neighborhood Education Outreach, visit www.hbacnm.com. Or call 505.344.3294 to schedule an event.


RMC Cover Competition In 2014 we held our first-annual cover competition to recognize the design, craftsmanship, and skill of our remodelers.

Cover winning entry: There’s No Place Like Home, LLC

Before The bathroom in this guesthouse needed some refreshing. The homeowner wanted resort-style living for her guests. In keeping with upgrades to other parts of this one-bedroom apartment, the curbless shower, marble air-bubble tub, custom light fixtures, elegant vanity with wallmounted faucets, and expert color coordination of all the textures enable the owner’s guests to enjoy an oasis of peaceful coziness in the most private of rooms.

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2014 Home Remodeling

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Lambert Construction Before

Modern meets function in this updated kitchen remodel. A dramatic transformation gave our client a color palette suitable for entertaining while offering a modern flair for comfort, relaxing, and enjoying a homemade gourmet dinner. For the budgetconscious client, cabinetry by Merillat was used. The two-tone cabinetry combination, coupled with Red Dragon granite, creates an illusion of the simplistic lines of today’s modern kitchen.

Rizek Inc. Design and Remodeling This kitchen was part of a very extensive home renovation. The homeowners’ requests were quite simple: provide an open floor plan and lots of natural light. They wanted to utilize clean lines to modernize their kitchen while maintaining the charm of their North Valley adobe home. Caesarstone countertops, Serengeti gold granite island top, custom cherry cabinets, glass tile backsplash, and the SubZero and Wolf appliance package modernize the look of this kitchen, while the original red brick flooring, kiva fireplace, wood ceiling (sand-blasted to its natural look), and smooth plaster walls maintain the home’s charm.

Before

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Pennington Builders This drab, dated, and hazardous Mossman kitchen was in dire need of an update. Clutter had overtaken every surface, covering the glossy cobalt blue counters, grungy brick floor, and dreary green cabinets. By removing a wall and unused fireplace, the footprint was expanded to provide necessary storage, a view of the Sandias, and a great breakfast bar. Modern appliances removed the danger of a real shake shingle hood and made cooking a breeze!

Before

Lambert Construction The kitchen is a meeting place where most families socialize, but it sometimes lacks space. This addition/kitchen remodel allowed for more space while keeping with traditional values. Our clients’ personality is revealed in the warm custom cabinetry throughout. The addition of handmade stained-glass inserts made way for that decorative flair. Incorporating the ceiling’s attributes allowed for flow and gave a visual architectural duplication of the counter below.

Before

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There’s No Place Like Home, LLC Before

Yesterday’s designs placed the kitchen in a secluded area where only a couple people were welcome, but today the kitchen is the heart of the home. This new kitchen design provides integrated access to the dining room, living room, and den, as well as to the backyard for outdoor grilling. One hundred square feet were added to enlarge the kitchen, and intense structure modifications improved flow and offered an open view of each space.

Rich Built Objective: Replace existing ’70s-style nicho kitchen design with a larger back space, new modern appliances, a new vegetable sink, a new primary sink and fixtures, the seamless addition of a crafted butcher block countertop, traditional border tile and backsplash, and new upper and lower cabinets that match what’s already there, to create the modern look of today while preserving the history of yesterday. Mission accomplished! Before

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Rizek Inc. Design and Remodeling This master suite addition required the blending of today’s modern finishes with the charm of an existing Nob Hill bungalow. The “after” picture represents a view through the new, luxurious master bathroom into the master bedroom. The mirror wall above the vanity was designed with various shapes, each framed and lacquered with white trim. Wall sconces, cabinet towers, and marble (flooring and countertops) help modernize this space, while crown molding, white Shaker-style cabinets, glass cabinet hardware pulls, and oak flooring maintain the nostalgia of the bungalow’s era.

Before

Rich Built Before

Objective: Replace ’80s bathroom design with a new and more colorful traditional look by changing out cabinet units, mirrors, lighting, plumbing fixtures, and tiled flooring. New tiled countertops and a tiled backsplash were also included to complement the tile flooring and color scheme of warmer wood selections on the cabinetry and framed mirrors. Definitely a client pleaser!

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Jade Enterprises Before

This elegant master bath has the open-air feel of being outside. The original bath and master suite were gutted and remodeled to suit the homeowners’ desire for a functionally elegant master suite. The old closed-in shower is now a new, spacious, clear-glass enclosure with a river-rock floor. A freestanding limestone tub replaced an outdated deck tub. For the homeowners’ space needs, separate his-and-hers vanities were installed.

Sun Mountain Construction, Inc. Our objective was to renovate an old adobe home into a Northern New Mexico–style home while preserving the original adobe walls, and to achieve the Build Green New Mexico Emerald certification. Great care had to be taken to protect the surrounding farmland, home to thousands of migrating sandhill cranes, geese, and mallard ducks each fall. Before

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Lee Michael Homes Before

This abandoned home was a creative challenge for us, as we wanted to conserve what was salvageable in an abandoned shell, left sterile with no personality. We created a spacious contemporary look, cutting open existing walls and adding box beams that looked like they were always planned there. Reclaimed hardwood floors were made with the same beam materials to add symmetry and warmth. Natural slate was added to the existing fireplace, and natural soapstone was installed into an open wet bar. New cabinets were matched with old to seamlessly create a warm and inviting home for our clients.

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2013 was our 20th year of bowling to give back! Contributions went to the local nonprofit organizations: Women’s Housing Coalition, assisting homeless and low-income mothers who are motivated to become self sufficient, and Paws and Stripes, providing specialty trained service dogs for wounded military veterans.

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HBACNM.com


Who is the HBACNM and What Do We Do? HBACNM stands for the Home Builders Association of Central New Mexico. With over 600 local members employing more than 4,000 people, we represent the home construction industry of the greater Albuquerque area. HBACNM is widely regarded as one of the most progressive HBAs in the country. Some of our programs, initiatives, and events: ✓✓ The Spring and Fall Homes of Enchantment Parades. These self-guided tours give you the chance to see custom and production homes as well as remodels around the greater Albuquerque metropolitan area. ✓✓ The Custom Builders Council (CBC) has a large number of award-winning and experienced custom builders who focus on professional training on a regular basis, and who are continually looking for ways to improve their performance and products within the marketplace. ✓✓ The Remodelers Council (RMC) is one of the leading councils in the United States. Each year the RMC concentrates on furthering member education and community involvement. One of its largest events is the RMC Bowling Tournament, in 20 years raising more than $100,000 for local nonprofits. ✓✓ Home Builders Care, a national award-winning program that contributes labor and materials to projects of various types and sizes, benefiting New Mexico families. For more information, see page 18. ✓✓ The Green Build Council (GBC) is one of the few councils of its kind in the country, and in partnership with Build Green New Mexico, the GBC has made Albuquerque the leading residential green building city. The GBC is actively involved in the training and education of professionals and consumers of green building principles. ✓✓ The Neighborhood Education Outreach (NEO) Program is an outreach initiative organized by the GBC. This important program provides for experts to meet with neighborhood organizations and other groups to outline

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green remodeling and building principles and to answer any questions relative to those emerging technologies. ✓✓ Build Green New Mexico (BGNM), a program between the Foundation for Building and the GBC, is the leading residential green building certification program in the country. It also works hard to educate both the residential construction industry and consumers on the benefits of green building. ✓✓ The Leading Builders Council (LBC) is made of highvolume builders and their larger subcontractors. The LBC offers training programs resulting in professional certifications for their employees and industry experts. ✓✓ The Government Affairs program is a unique approach to public policy and regulatory issues in New Mexico. Its goal is to be actively involved in the community and work in a committed, collaborative fashion with the 12 government jurisdictions within the Albuquerque metropolitan area. This program has allowed HBA members and their customers to save tens of millions of dollars over the last several years on building regulations, fees, and legislation. ✓✓ The HBA Academy is an active education initiative, keeping members up-to-date on the latest technologies, materials, and best construction practices within the industry. HBA members as well as their customers benefit greatly from this program. ✓✓ A University of New Mexico (UNM) and HBA Collaboration gives UNM students firsthand experience furthering the science of building. Students and industry professionals work together on existing home upgrades.


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Giving Back

by Bain Cochran & Jamie Baxter of Bain Cochran Construction, LLC

HBC mission: to mobilize the membership to improve the lives of those in need within our community. Within HBA, you will find a group of people who care deeply about their community. As a result, Home Builders Care (HBC) was created as an outlet to give back. We are approaching 20 years of folks from a wide range of areas—including associates, HBA staff, builders, and remodelers—coming together to make a difference. Working outdoors is something most of us enjoy. Thanks to Doug Keaty, we had that opportunity when we connected with the nonprofit Olde Windmill Trail Farm Animal Sanctuary and its “Hope for Heroes and Horses” program. This endeavor teaches veterans reintegration skills and selfesteem building through tools and activities associated with horse care and ranch life. One of the farm’s barns sustained significant wind damage from recent storms, so we rebuilt a good portion of the structural framing, reroofed the building, and added gutters. Many HBA members stepped up to help rebuild the fire-damaged laundry facilities at Joy Junction, a nonprofit organization dedicated to helping Albuquerque’s homeless. Work included demolition, framing, electrical, plumbing, insulation, painting, and appliances. We also have recurring projects: a food drive benefiting the Road Runner Food Bank and our annual blood drive 18

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with United Blood Services. For years we have enjoyed clearing trails with the Forest Service along the Rio Grande Bosque. One of our community events involving not only HBC but also everyone at HBA is the Remodelers Council Bowling Tournament. In 2013 we celebrated our 20th annual charity event Halloween-style. Over the years, we have raised tens of thousands of dollars for the Women’s Housing Coalition (WHC), which assists homeless and low-income mothers who are motivated to become self-sufficient. Paws and Stripes was added as a new beneficiary in 2013; they provide specially trained service dogs, at no cost, to wounded military veterans with Post Traumatic Stress Disorder and Traumatic Brain Injury. Our efforts are possible thanks to members volunteering their time and giving material donations. A huge thank you to the Custom Builders Council Golf Tournament for the donation to help make giving back possible. There’s no doubt that the drive to help others is a strong one we must follow. Being surrounded by people who care deeply about their community with such passion is just one of the many reasons we love our local HBA.


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SPECIAL ADVERTISING SECTION

Arch Design Lora Vassar (505) 344-0002 lora@archdesignnm.com archdesignnm.com

MarbleStreetStudio.com

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pened in 2010 and incorporated in 2011, Arch Design is a full-service design/build remodeling firm. With a BA in architecture and 28 years in the construction industry, owner Lora Vassar’s creativity in design and attention to detail have solidified her reputation as a trusted remodeler with not only her own clients and their referrals, but with her peers within the industry. Many of her projects have earned awards and received national attention. Lora and her team at Arch Design take great satisfaction in creating the “Wow!” in all their projects, no matter the size of the project or budget. As Lora likes to say, “No project is too small to be done right!” This belief and dedication to client satisfaction is one of the many reasons some of Lora’s clients have given her the moniker My Contractor for Life.

Redefining the Improvements in Remodeling by Lora Vassar of Arch Design There are so many benefits and opportunities with professional remodeling! It’s more than just meeting great clients and experiencing different eras and methods of building. Remodelers, with the help of our clients, get to re-create something new from something old and bring joy, excitement, and value to families and communities. Here in Albuquerque and throughout New Mexico, we are among the leaders in the remodeling and new-home construction industry. As a result, along with helping you update that isolated and underperforming kitchen or bathroom, we can also improve how your home consumes energy and water, and improve the Indoor Air Quality (IAQ). As utility costs continue to rise, it makes sense to make our homes more comfortable and efficient. Our industry is experiencing an explosion of knowledge, products, and creativity that really puts the “improvement” in home improvement like never before. The national average age of a home today is more than 40. Homes built prior to 1991 are not insulated to today’s code standards, and the lack of insulation is responsible for quite a bit of our costs in heating and cooling. These homes are filled with improvement op20

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portunities for energy and water conservation, better IAQ and family health, and reduced maintenance needs. I can’t think of anyone who wouldn’t want to consider improving health, safety, comfort, and leisure time! But where to start, and how do you objectively assess your house? An energy audit performed by a certified HERS rater or BPI expert will measure a home’s performance through diagnostic tests and thermal imaging, and rate a home’s leakage and performance. Additionally, an audit can identify areas of safety concern such as combustion leakages or backdrafts in carbon monoxide. For information, contact the HBACNM at 505-344-3294. The guesswork in IAQ, water, and energy consumption gets eliminated when you’re armed with your energy audit report.. Additionally, the HBA—your trusted construction resource—has Neighborhood Education Outreach (NEO): a free, no-obligation program available to neighborhood groups and community centers. This group of industry professionals educates homeowners about how a home’s discrete parts operate together, and what you can do to improve your home’s comfort, safety, and performance. Call Kimberly at 505-344-3294 for more information, or to set up a free group event for your friends and neighbors. We have such a huge opportunity to dramatically change how our existing homes perform. It’s now unfathomable to consider creating that beautiful new kitchen you’ve been dreaming of without also improving performance! And with incentives and rebates still available, the hard up-front costs can be considerably offset, leaving you with an even better return on investment.


Affordable Solar

SPECIAL ADVERTISING SECTION

4840 Pan American Frontage Rd N Albuquerque, NM 87109 (505) 944-4220 thinkaffordablesolar.com

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Courtesy of Affordable Solar

ince 1998, Affordable Solar has been dedicated to bringing clean, affordable energy to homes, businesses, and communities around the world through product distribution and design services. In 2010, Affordable Solar launched our installation division, designing and building solar electric arrays for property owners in New Mexico. Dedicated to excellent customer service, Affordable Solar strives to deliver a great experience to all our customers, from design, permitting, inspections, and construction, to the moment the switch is flipped and solar electric production begins. Through Affordable Solar, homeowners can “go solar” with zero money out-of-pocket. We’re the only solar company in New Mexico that doesn’t require a down payment or charge installation fees. Of course purchasing a system is always an option and makes great financial sense. With our Sun Saver program you can go green without going broke. No installation costs, no maintenance of the system, and a full production guarantee. Simply replace your PNM electric bill with a lower, monthly solar payment. With Affordable Solar, it pays to go solar. Give us a call at 505-944-4220 or visit us online at thinkaffordablesolar.com. 2014 Home Remodeling

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Do I Need a Building Permit? by Lee Brammeier of the City of Albuquerque I am often asked this question and the answer is not as easy as one would think. A building permit is required to protect everyone from possible negative outcomes from additions, remodels, repairs, and new construction. Permits are also required to make certain that federally mandated standards and requirements, such as energy conservation and accessibility, are included in the project. One of the most costly mistakes a homeowner can make during a home improvement project is not obtaining a building permit. When a required permit is not acquired, a homeowner can face countless delays, fines, and even possible legal proceedings. Unpermitted work paired with uninspected work is deemed to be unsafe. Inspections after the work is completed and covered may require the homeowner to disassemble or remove finished work. Permits can only be issued to either the homeowners (if they will perform the work and occupy the home) or a professionally licensed State of New Mexico contractor. There are two basic phases to the building permit process: plan review and construction inspection. During plan review, the staff reviews the permit application and building plans for compliance with the building codes. Plan review must be completed prior to the issuance of a building permit. Construction inspection takes place after a building permit has been issued. A building inspector approves each part of the project as it progresses, checking to see that the work is completed safely and in accordance with the approved plans and codes. An inspector also answers questions, which is of particular value to the do-it-yourselfer who does not make these types of home repairs/improvements every day. Incorrect installations can result in problems ranging from minor inconveniences to major problems such as house fires, flood damage, and/or structural problems. Rather than list projects that do need a permit, the Uniform Administrative Code of the City of Albuquerque provides a list of things that are exempt from a building permit. The following is a partial list with commercial exemptions removed. Lee Brammeier has been the Green Building Program Manager for the City of Albuquerque since January 2012, and has achieved the LEED Green Associate accreditation. In the past, Lee was a multiple inspector with the City of Rio Rancho. Lee also co-owned and operated a construction business in the metro area for several years, implementing in his homes many of the green practices that he administers today. 22

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109.2.1 Building Permits. A building permit will not be required for the following: • One-story, detached accessory buildings used as tool and storage sheds, playhouses, and similar uses, provided the building area does not exceed 120 square feet • Exterior fences and freestanding masonry walls not over six feet high above grade on the lowest side • Non-fixed and moveable fixtures, cases, racks, counters, and partitions not over 5 feet 9 inches high • Retaining walls which do not have a difference in finished grade on opposite sides exceeding 24 inches, unless supporting a surcharge or impounding flammable liquids • Water tanks supported directly upon grade if the capacity does not exceed 5,000 gallons and the ratio of height to diameter or width does not exceed two to one • Platforms, walks, and driveways not more than 30 inches above adjacent grade and not over a story or basement below and not part of an accessible route • Painting, papering, tiling, carpeting, cabinets, countertops, and similar finish work • Window awnings not projecting more than 54 inches that are supported by an exterior wall, and nothing else, of a building regulated by the International Residential Code • Prefabricated swimming pools accessory to buildings regulated by the International Residential Code that are less than 54 inches deep, do not exceed 5,000 gallons, and are installed entirely above ground • Repairs, as defined herein, less than $1,000 in valuation • Installation or work which is done after regular business hours, during a holiday, or when immediate action is imperative to safeguard life, health, or property, provided such person making the installation or performing the work applies for a permit covering the installation or work not later than the next business day • Construction, alteration, or repair work for which a permit is not required by law or ordinance • Tents • Interior plastering or paneling of existing surfaces, provided the materials meet all applicable requirements of flame spread required by this Code • Exterior re-plastering that does not require the application of exterior lath • Interior non-structural demolitions • Unless otherwise exempted by this Code, separate plumbing, electrical, and mechanical permits will be required for the above exempted items. Remember the safest thing to do is call or visit your local Building Safety Department and ask. They are there to help.


Understanding

Radon

Radon is a cancer-causing, radioactive gas. You can’t see radon. And you can’t smell it or taste it. But it may be a problem in your home.

Radon Myths MYTH: Radon testing is difficult, time-consuming, and expensive. FACT: Radon testing is easy. You can test your home yourself or hire a qualified radon test company. Either approach takes only a small amount of time and effort. New Mexico residents can request radon test kits online while supplies last with the New Mexico Radon Program at drhomeair. com or by calling 1-800-324-5928. MYTH: Homes with radon problems can’t be fixed. FACT: There are simple solutions to radon problems in homes. Hundreds of thousands of homeowners have already fixed radon problems in their homes. Most homes can be fixed for about the same cost as other common home repairs; check with one or more qualified mitigators. Contact the Indoor Radon Outreach Program for help in identifying qualified mitigation contractors: 505-476-8600 or nmenv. state.nm.us/nmrcb/radon.html. MYTH: I’ve lived in my home for so long, it doesn’t make sense to take action now. FACT: You will reduce your risk of lung cancer when you reduce radon levels, even if you’ve lived with a radon problem for a long time. Source: epa.gov/radon 2014 Home Remodeling

23


Why It Pays To Purchase Building Products from Brick and Mortar Businesses by Ed Donahue of Doc Savage Supply We all like to tell our friends and family what a “great deal” we found on a product, and often this comes from using an online retailer. It makes us feel good, smart, and secure that the purchasing decisions we’ve made have saved us money. But it’s usually not such a good deal, especially where construction products are concerned, because countless experiences tell us those low-cost options typically end with increased frustration and higher costs in the long run. When products are true commodities (for example,

a box of pencils or case of copy paper), it may pay to shop online. However, when it comes to highly engineered building products—such as Viking ranges available at Builders Source, Sierra casement windows from Sierra Pacific Windows, or Kohler Kitchen & Bath products available at Doc Savage Supply—it’s a winning economic proposition to purchase from Brick and Mortar Businesses (BMBs), where you can walk in and talk with real, live experts in person, every time!

Consider the following: BMBs are real people who are experts in their fields and will provide genuine, personal service before, during, and after the sale. Ever tried calling that online retailer when you have a problem with the new LED TV that was such a great deal? Most of us know how frustrating and expensive that experience can be (painful hours on the phone, freight costs, warranty hassles, etc.). Online reviews often highlight the consumers’ frustrations stemming from a lack of personal service and/or their contempt for products sourced online. By comparison, should questions or issues arise after a purchase from a BMB, there is someone to speak to in person and thus a faster resolution. Additionally, BMB sales professionals are knowledgeable in specifying the right products for a project, and will work directly with you and your contractor, designer, or architect. This ensures products are specified properly, building codes are met, and your overall needs are satisfied. How many online vendors do you know who go to this extent to personally ensure your project’s success? BMBs are factory-authorized resellers who sell only authentic Original Equipment Manufactured (OEM) products and replacement parts. No knockoffs, “B-grade” products, or discontinued/outdated products, all of which are abundant online. Helpful hint: Some OEMs do not honor warranties if their products are purchased online or from nonauthorized distributors, so that’s one more reason BMBs are the way to go. Another plus in working with BMBs? We have designerlevel showrooms, allowing you to actually see, touch, and experience the products. For example, Doc Savage Supply has a live shower wall (see photo), so you can experience firsthand the spray patterns of dozens of different showerheads.

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In the final analysis, all of us have a built-in bias toward low prices when making major purchase decisions. Our natural desire for a good deal can deceive us and lead us to making bad purchase decisions. Invariably, online savings are dwarfed by the resulting costs associated with online purchase problems. However, when buying from a professional Brick and Mortar Business, you have invested in a partner who will be there to serve you before, during, and after the sale, minimizing your overall project costs and maximizing your overall project satisfaction. As the old Latin saying goes: caveat emptor–let the buyer beware!


Save Energy, Save Money! by Robin Ribble-Harder, Senior Associate of ICF International The typical homeowner has three utility costs that can add up to their second largest monthly bill: electricity, natural gas, and water. Various changes can help your home be more comfortable and energy efficient and provide savings. If your home is more than 15 years old, this is the ideal time to begin exploring options, as your furnace, air conditioner, and water heater are near the end of their useful life. To help, New Mexico Gas Company and PNM offer financial incentives.

Insulation

The insulation in your attic may be 4 to 6 inches deep, compared to a new home, which has 12 inches of insulation or more. Benefits of adding insulation: ✯✯ Energy and money savings. ENERGY STAR® estimates that you can save up to 10 percent on your heating costs. ✯✯ Improved comfort. The attic is the easiest place to add insulation; it helps your home retain heat during the winter and keeps it cooler in the summer. ✯✯ More is better. Levels are specified by the R-value; the higher the value, the better the performance. ✯✯ Rebates: New Mexico Gas Company offers a rebate for 25 percent of the cost, up to $500, when you have a licensed and insured participating contractor add insulation to your home’s attic or roof. nmgcgetrebates.com

Heating—Know Your AFUE

Most homes in Albuquerque have central forced air furnaces that are fueled by natural gas. The AFUE (Annual Fuel Utilization Efficiency) tells you the efficiency of your furnace. The minimum allowable AFUE for a new furnace is 78, which means that for every $0.78 spent on gas to heat your home, $.22 is wasted as it goes up the flue. Efficient furnaces have an AFUE of 92 or greater. Benefits of installing a high-efficiency gas furnace: ✯✯ Energy and money savings. At least 12 percent more efficient than standard models. ✯✯ Improved safety. Reduce the risk of back-drafting dangerous carbon monoxide exhaust into your home. ✯✯ Increased durability. Designed with advanced technologies and high-quality components, these systems often last longer and have longer warranties than standard models. ✯✯ Rebates. New Mexico Gas Company offers rebates from $200-$375 when you have a licensed and insured participating contractor install a high efficiency gas furnace in your home. nmgcgetrebates.com continued on page 36


2014

Remodelers Council

ABC SEAMLESS Jack Keohane (505) 268-6433 abcseamless-nm.com AESOP’S GABLES Tammy Marksberry (505) 275-1804 aesopsgables.com AFFORDABLE SOLAR Rebecca Langton (505) 944-4220 thinkaffordablesolar.com ANDERSEN WINDOWS Melissa Cobb (505) 274-6207 andersenwindows.com ANNEX GENERAL CONTRACTING & DESIGN Kevin Evans (505) 345-2978 annexgeneralcontracting.com CGR, CGP

Directory

BAIN COCHRAN CONSTRUCTION, LLC Janet Cochran (505) 281-4568 baincochran.com CAPS, CGP

CREATIVE CONSTRUCTION COMPANY Scot Shapiro (505) 256-7311 creativeconstructionco.net CGR, CAPS

BENCHMARK WOOD FLOORS, INC. Kevin Mullany (505) 292-3238 benchmarkwoodfloors.com

DAVIS KITCHENS Steve King (505) 292-4800 daviskitchens.com CAPS, CGP, CGR

BLUEHER ABODES, LTD. John Blueher (505) 450-2398

DEL SOL BUILDERS, INC. Steven Shain (505) 450-9392 delsolbuilds.com

BUILDERS CHOICE PAINTING Stephanie Peterson (505) 898-9180 builderschoicepainting.com BUILDERS SOURCE APPLIANCE GALLERY Joe Rogillio (505) 889-3001 builderssource.com

DIEGO HANDCRAFTED HOMES, LLC Diego Ruiz (505) 573-8888 diegohandcraftedhomes.com DOC SAVAGE SUPPLY Carla Wersonick (505) 884-2656 docsavagesupply.com CAPS

ARCH DESIGN, INC. Lora Vassar (505) 344-0002 archdesignnm.com CAPS, CGP

BUILDERS-MATERIALS, INC. Zane Jarrett (505) 247-4294 buildersmaterials.com

DREAMSTYLE REMODELING Dawn Dewey (505) 881-3200 dreamstyleremodeling.com

ARCHITECTURAL SURFACES, INC. Susan Chiasson (505) 889-0124 asitileandstone.com

BUILDOLOGY Diane Huerta (505) 344-6626 buildology.net

DUKE CONTRACTOR SERVICES Jeremy Lopez (505) 344-3441 mascos.com DUNN-EDWARDS Steve Wahl (505) 379-1525 dunnedwards.com ELITE DRI-WALL, INC. Robert Navarrette (505) 314-8014 elitedriwall.com FERGUSON ENTERPRISES Derick Holman (505) 345-9001 ferguson.com

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FIRST MORTGAGE COMPANY, LLC Todd Hohmann (505) 888-4663 firstmortgageco.com FLOORING DIRECT WHOLESALE Mary Romero (505) 344-4064 FORM-COVE MANUFACTURING, INC. Harry Duray (505) 298-5410 form-cove.com GLASS-RITE Rob Scharrer (505) 764-9899 glassrite.com HALE AND SUN CONSTRUCTION, INC. Steve Hale (505) 688-5335 halesun.com CGP

HARDER CUSTOM BUILDERS Kyle Harder (505) 828-0456 buildharder.com CGP HOME CONSTRUCTION & CONSULTING SERVICES, LLC David Langham (505) 238-7678 abqbuilder.com CAPS, CGP, CGB HUB INTERNATIONAL INSURANCE SERVICES, INC. Daren Lewis (505) 828-4162 hubinternational.com J’S WAY FLOORS Gerald Hudson (505) 830-2404 jsway.com

JADE ENTERPRISES, INC. Jeff Speck (505) 856-5233 jadeenterprises.com CGP, CGR KDS HOMES, LLC Kevin Emmons (505) 980-3554 kdshomesandremodeling.com KEYSTONE HOMES LTD. CO. Scott Hauquitz (505) 821-3379 keystonecustom.com KINNEY BRICK Gary White (505) 877-4550 kinneybrickco.com LAMBERT CONSTRUCTION & DESIGN, LLC Matthew & Tina Lambert (505) 573-3400 lambert-construction.com

Welcome

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to delivering superior service

Call, stop by or go online to find out how quickly we can get you into your dream home.

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Marita DeVargas 992-2343 Santa Fe NMLS #458776

Becky Farnham 992-2244 Los Alamos & Santa Fe

Kathy Breneman 889-1923 Albuquerque

Tammy Wieman 889-1921 Albuquerque

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We specialize in loan products with flexible terms for self employed and jumbo loan borrowers.

Member FDIC. Equal Housing Lender.

2014

Home Remodeling

27


2014

Remodelers Council

LAW OFFICE OF GEORGE “DAVE” GIDDENS, PC Nora Nevera (505) 271-1053 giddenslaw.com LEE MICHAEL HOMES Mike Knight (505) 299-1500 leemichaelhomes.com CGP LOWE-BO HOMES, LLC Ted Lowe (505) 991-2555 lowe-bohomes.com MARC COAN DESIGNS, LLC Marc Coan (505) 837-8888 marccoandesigns.com

Directory

MODULUS DESIGN Christian Harper (505) 842-0354 modulusdesign.com MORE BROS. CONSTRUCTION, INC. Kyle Tidmore (505) 837-2955 morebrothers.com NEW CASTLE MORTGAGE Randy Drury (505) 821-5690 new-castle.com NEW HAVEN HOMES, INC. Bill Reynolds (505) 890-5476 mynewhaven.com

MARK ARIAS ELECTRICAL CONTRACTOR Mark Arias (505) 306-3771

NEW MEXICO BANK & TRUST Diana Lucero (505) 830-8103 nmb-t.com CAPS, CGP, CGA

MIKE’S QUALITY PAINTING, INC. Miriam Freeman (505) 508-5342 mikesqualitypainting.com

O.L. SMITH CONTRACTING, LLC Otley Smith (505) 480-4141 olsmithcontracting.com

MILLER’S INSULATION & FIREPROOFING, INC. Jeannine Miller Berreras (505) 924-2214 millersinsulation.com

PAREXUSA Bret McClanahan (505) 873-1180 parexusa.com CGP

RUTHERFORD DESIGN & CONSTRUCTION, LLC

Custom Homes • Remodeling • Additions • Drafting Bathroom & Kitchen Remodeling Residential / Commercial

505-720-1404 • www.RutherfordBuilt.com

HBACNM.com

PENNINGTON BUILDERS Bob Pennington (505) 260-1554 penningtonbuilders.com PLASCO SALES Peter F. Kelley (505) 242-9898 plascosales.com CAPS PM2 Peggy Moeller Mead (505) 269-5079 pm2nm.com PROSOURCE Jason Jones (505) 761-4076 prosourcewholesale.com RAYLEE HOMES REMODEL DIVISION Dan Mallak (505) 717-5405 rayleehomes.com RICCOBENE HARDSCAPE INNOVATIONS Merlyn Nyght (505) 345-2601 riccobene.com

Serving New Mexico * GB-98 Lic:#89773

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PELLA WINDOWS & DOORS SOUTHWEST Jim Dundon (505) 345-3502 pellasw.com

RICH BUILT, INC. Michael Richards (505) 269-9262 richbuilt.com CAPS, CGP, CGR RIZEK DESIGN & REMODELING Tim Rizek (505) 897-8107 rizekdesignremodeling.com CGR


RMH GENERAL CONTRACTOR, INC. Robert Hughes (505) 620-1287 rmhgeneralcontractor.com CAPS, CGP, CGR ROCKY MOUNTAIN STONE CO. Scott Lardner (505) 345-8518 rmstone.com RUTHERFORD DESIGN & CONSTRUCTION, LLC Ric Rutherford (505) 792-3888 rutherfordbuilt.com SEMONES AND SON CONSTRUCTION Rick Semones (505) 263-3113 SIERRA PACIFIC MORTGAGES Denise Dobier (505) 821-2032 spmnm.com SIERRA PACIFIC WINDOWS Lisa Cash (505) 797-7880 sierrapacificwindows.com SPENSLEY CONSTRUCTION CORP. Steve Spensley (505) 344-1321 CGP, CGR SUMMER TREE HOMES, INC. Sam Mares (505) 977-2256 summertreehomesnm.com SUN MOUNTAIN CONSTRUCTION, INC. Norm Schreifels (505) 892-8855 sunmtnconst.com CGB SYNERGY BUILDERS, LLC Troy Howard (505) 220-9354 synergybuildersnm.com

TERRITORIAL LANDSCAPE CO. Tom Rael (505) 898-9199 territorial-landscape.com The Natural Lighting Company Brooke Nutting (505) 294-5284 naturallightingco.com THERE’S NO PLACE LIKE HOME, LLC Dominic Padilla (505) 821-0041 tnplh.pro TOM SAWYER ENTERPRISES, INC. Peter Sims (505) 898-1007 tomsawyerenterprisesinc.com UNION SAVINGS BANK Maria Colella (505) 341-5240 usbnm.com CGP UNITED STONEWORKS Ron Sisneros (505) 821-7625 unitedstoneworks.net CAPS, CGP, CGA WEALTH MANAGEMENT GROUP Bill Stewart (505) 892-3300 WESTERN ASSURANCE Rick Lackey (505) 944-8418 westernassurance.com WESTERN BUILDING SUPPLY Nick Salas (505) 823-2500 westernbuildingsupply.com WOOD MOULDING SPECIALITIES, INC. Kevin Avants (505) 897-2997 wmsnm.com


ABC Seamless

26

Aesop’s Gables

26

Affordable Solar

26

Andersen Windows

26

Annex General Contracting & Design

26

Arch Design, Inc.

26

Architectural Surfaces, Inc.

26

Bain Cochran Construction, LLC

26

Benchmark Wood Floors, Inc.

26

Blueher Abodes, Ltd.

26

Builders Choice Painting

26

Builders Source Appliance Gallery

26

Builders-Materials, Inc.

26

Buildology

26

Creative Construction Company

26

Davis Kitchens

26

Del Sol Builders, Inc.

26

Diego Handcrafted Homes, LLC

26

Doc Savage Supply

26

Dreamstyle Remodeling

26

Duke Contractor Services

26

Dunn-Edwards

26

Elite Dri-Wall, Inc.

26

Ferguson Enterprises

26

First Mortgage Company, LLC

27

Flooring Direct Wholesale

27

Form-Cove Manufacturing, Inc.

27

Glass Rite

27

Hale and Sun Construction, Inc.

27

Harder Custom Builders

27

Home Construction & Consulting Services, LLC

27

HUB International Insurance Services, Inc.

27

J's Way Floors

27

Jade Enterprises, Inc.

27

KDS Homes, LLC

27

Keystone Homes Ltd. Co.

27

Kinney Brick

27

Lambert Construction & Design, LLC

27

Law Office of George "Dave" Giddens, PC

28

Lee Michael Homes

28

Lowe-Bo Homes, LLC

28

Marc Coan Designs, LLC

28

Mark Arias Electrical Contractor

28

Mike's Quality Painting, Inc.

28

Miller's Insulation & Fireproofing, Inc.

28

Modulus Design

28

More Bros. Construction, Inc.

28

New Castle Mortgage

28

New Haven Homes, Inc.

28

New Mexico Bank & Trust

28

O.L. Smith Contracting, LLC

28

ParexUSA

28

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Tubs, Showers, Glass, Mirrors

Stucco

Solar

Promotion, Marketing & Signs

Plumbing, Fixtures

Painting Contractor, Supplies

Outdoor Living

Mouldings & Trim

Kitchen & Bath Design

Legal Services

Insurance Agencies

Insulation

Heating, Cooling, Ventilation

Gutters, Siding

Flooring

Fireplaces, Woodstoves

Electrical, Light Fixtures

Doors, Windows, Skylights

Drywall

Countertops

Cabinets, Closets, Custom Furniture

Builder, Remodeler, Designer

Brick, Tile, Masonry

Banking, Mortgage, Financial Services

Appliances

Members

Alternative Energy, Testing

Council

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Plasco Sales

28

PM2

28

ProSource

28

Raylee Homes Remodel Division

28

Riccobene Hardscape Innovations

28

Rich Built, Inc.

28

Rizek Design & Remodeling

28

RMH General Contractor, Inc.

29

Rocky Mountain Stone Co.

29

Rutherford Design & Construction, LLC

29

Semones and Son Construction

29

Sierra Pacific Mortgages

29

Sierra Pacific Windows

29

Spensley Construction Corp.

29

Summer Tree Homes, Inc.

29

Sun Mountain Construction, Inc.

29

Synergy Builders, LLC

29

Territorial Landscape Co.

29

The Natural Lighting Compnay

29

There's No Place Like Home, LLC

29

Tom Sawyer Enterprises, Inc.

29

Union Savings Bank

29

United Stoneworks

29

Wealth Management Group

29

Western Assurance

29

Western Building Supply

29

Wood Moulding Specialities, Inc.

29

HOME HOME Council emodelers The 2012 R

R

GUIDE EMODELING

www. hbacn m.com

rce The Truste d Resou

Council emodelers The 2013 R

Update

Your Space

Tubs, Showers, Glass, Mirrors

Stucco

Solar

Promotion, Marketing & Signs

Plumbing, Fixtures

Painting Contractor, Supplies

Outdoor Living

Mouldings & Trim

Kitchen & Bath Design

Legal Services

Insurance Agencies

Insulation

Heating, Cooling, Ventilation

Gutters, Siding

Flooring

Fireplaces, Woodstoves

Electrical, Light Fixtures

Doors, Windows, Skylights

Drywall

Countertops

Brick, Tile, Masonry

Cabinets, Closets, Custom Furniture

28

Pennington Builders

Builder, Remodeler, Designer

Pella Windows & Doors Southwest

Banking, Mortgage, Financial Services

Members

Appliances

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Committed to bringing you the best in remodeling projects for over 12 years.

& yRE M OD EL IN G Gda BU ILD INTo UIDE

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2014

Home Remodeling

31


Financing Your Construction Project by Maria Colella of Union Savings Bank Looking for a loan to remodel or build your home? Good news! Interest rates are still relatively low, and loans are more readily available than a few years ago. Be aware that you’ll probably have to provide more documentation, and the process will likely take longer than the last time you applied for a loan.

Check Your Credit Report

Go online to annualcreditreport.com to request a free copy of your credit report before applying for a loan. You should correct any inaccuracies by contacting the credit bureaus as soon as possible to request correction.

Choose a Lender

After checking your credit report and correcting any errors, choose a lender. Talk to your lender about what loans they offer, how much they can lend for what you’re looking to do, and what documentation they require. Your lender will need your financial information, such as how much cash you have available for a down payment. Your lender can prequalify you for your loan so you’ll know how much you can borrow for your home project. Be prepared to provide proof of income and assets. A good lender will work with you to get you qualified as quickly as possible.

Financing a Remodel

Homeowners with sufficient equity in their homes can leverage that equity to finance renovations such as a new addition, or a kitchen or bath remodel. A current home appraisal will be required to determine the value of the house. In situations where there isn’t enough equity for a home equity loan, the appraised value can be determined “subject to” completion of the proposed improvements. Multiply your home’s appraised value by 80 percent, then subtract any existing mortgages or home loans; that’s usually the maximum amount you’ll be able to borrow based on the house value.

FHA 203(k) Loan Program

Another financing option for remodels is the FHA (Federal Housing Administration) 203(k) loan program, 32

HBACNM.com

available for owner-occupied properties only. It provides funds for both the purchase and renovation of a home packaged into one mortgage loan. The FHA does not actually provide the loan funds, but it provides lenders with insurance that protects them against losses in the event of borrower default. This reduces the lenders’ risk, allowing them to offer loans to borrowers with less-than-perfect credit and with lower down payments. However, not all lenders are authorized to do FHA loans. Lenders must be specifically approved by FHA to participate in this loan program and must follow specific guidelines established by FHA. The renovation work must be done by FHA-approved contractors.

Other Financing Options and Requirements

A new construction loan is usually a short-term loan, typically 12 months or less. Lenders charge a higher rate on a construction loan than for a “permanent mortgage,” due to the higher risk associated with construction loans. Most borrowers want a fixed-rate, 30-year “permanent mortgage,” but this loan can be structured for 10, 15, or 20 years. Second mortgages are another financing option. Taking out a second mortgage means getting another loan in addition to your existing “first” mortgage. Second mortgages are considered to be at greater risk for default than first mortgages, so the interest rates are usually higher and the terms are shorter, resulting in higher monthly loan payments. At this point, second mortgages are more difficult to obtain than several years ago. Check your credit, choose a lender, explore the different financing options available, get prequalified, and establish a budget and house plan with your contractor. To protect your family and your home, be sure to select a firm who is licensed, bonded, and insured, and establish a good working relationship with it and your lender.


©mark william photography

Nat ion a l & L o c a l awa r d w i n ner | d e s ig n•bu i l d

Extraordinary Homes & Remodels

DIego M. ruiz |

..

DiegoHandcraftedHomes.com

CONTRACT$ The cost of your project can be determined after the design and selections are complete. Throughout the design process, a good team can help you make decisions and point out alternatives as needed. A working budget is constantly fluctuating as the numbers change with each choice you make. Your purchase or construction agreement, along with a draw schedule as determined by the construction lender, calculates the price. A draw schedule sets the timetable and procedures for paying bills during construction. Keep in mind that as construction progresses, some modification may be necessary to make all the components work together successfully on the site. The final cost of your home may also change due to items such as:

Allowances. If you have not made final decisions in certain areas—for instance, floor coverings—an “allowance” will be included in the pricing. This gives you more time to consider these selections while a definite price for the project can be set. If the allowance is $1,500 and your final choice totals $1,650, you will pay the additional $150 when you sign the order. If the total is $1,400, the difference is credited to you at project completion/closing. Unknown Expenses. The cost of some aspects of construction cannot be figured in advance and thus may be in the budget as a contingency. These include such items as establishing a well for your water supply or handling unexpected site conditions such as large rock formations, and can only be determined once the unknown is uncovered (i.e., time and materials). Change Orders. Although changes are possible during the building process, once blueprints have been drawn (if needed), and a building permit obtained, charges may necessitate redrawing, re-engineering, and reapproval by the building department and homeowners association—costing both time and money. Take full advantage of your design meetings to arrive at a plan that expresses your remodel or new home dream and minimize changes to avoid extra costs or extending your construction schedule.

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Efficiency and Safety

by Adam Walker of Walker Energy Services

As we push to make our existing homes more efficient, safety and IAQ must be addressed.

According to the EPA, up to 40 percent of a home’s energy loss may be due to leaks through the building envelope—the exterior walls, windows, doors, and other openings. If you added up these leaks, it would be the equivalent of having a window open every day of the year! As we push to make our existing homes more efficient, safety and indoor air quality (IAQ) must be addressed. The best place to start is with an energy audit. This testing provides information about what may cause high utility bills and creating a safer, healthier home with improved IAQ. A good example of how safety/IAQ and energy efficiency are linked is the common situation of combustion appliances (usually a furnace or water heater) located in the home. This equipment is often in a closet with a door, but when this door is not insulated or weather-stripped the outside air has a direct path, called infiltration, to get inside the house. Before insulating/weather-stripping to stop this, the room and equipment in it should go through combustion appliance zone (CAZ) tests to ensure tightening the envelope (home) will not create a dangerous situation. CAZ consists of testing for:

• Gas leaks—uses a gas detector to examine all gas lines, pipes, and valves for leaks. • Depressurization—determines if operating the equipment creates an unsafe situation. • CO—verifies that ambient carbon monoxide (CO) is safe and all appliances are operating within safe CO levels. • Spillage—ensures consistent draft up the flue and that combustion gases are not being released into the home. • Draft—verifies a strong enough draft up the flue so backdrafting does not occur. (As a safety side note, it’s important to have these tests performed even if you are not considering any air sealing for the home.)

From a safety/IAQ perspective, having combustion appliances inside the home is never a good idea (unless they are closed-combustion, high-efficiency appliances). There is a potential for backdrafting or incomplete combustion, which can lead to CO and other IAQ issues and thus be potential health hazards. You may weather-strip the door (again, only after testing) to isolate it from the house, or upgrade to high-efficiency, closed-combustion equipment, which will negate the need for the combustion air pipe. With both solutions, you get the benefit of a safer and more efficient home. Be sure you’re working with a competent home energy auditor with either a RESNET or BPI certification, as he/she can present you with the tools to make your home more comfortable and efficient while also addressing safety/IAQ. 2014

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continued from page 25

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Heating Water

Typically the third largest energy user in the home, heating water accounts for approximately 15 percent of your home’s energy use. High efficiency water heaters use 10 to 50 percent less energy than standard models. The efficiency of the water heater is the EF or Energy Factor; the higher the factor, the more efficient the unit. Storage (Tank) Water Heaters. Energy is used to keep water hot and ready for use at all times in insulated storage tanks with capacities ranging from 20 to 80 gallons.

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Demand (Tankless) Water Heaters. Water circulated through a large coil is heated only on demand; there is no storage tank continuously maintaining hot water. The unit size is based on the number of fixtures that can simultaneously use hot water. Benefits of installing tankless water heater: ✯✯ Energy and money savings. Cut your water heating costs up to 30 percent and save as much as $50 per year on gas bills compared to a standard tank model. ✯✯ Continuous hot water. The flow of hot water when the unit is sized properly. ✯✯ Space-saving design. Small and wallmounted, tankless water heaters can save a closet’s worth of space. ✯✯ Fewer worries. Tankless models have a longer life expectancy, so the risk of tank leaks and water damage is a thing of the past. ✯✯ Rebates. New Mexico Gas Company offers rebates of $300 for new homes or $375 for existing homes when you have a licensed and insured participating contractor install a high efficiency tankless hot water with an Energy Factor of .82 or greater. nmgcgetrebates.com

Water

In the West, water is one of our most precious resources. Conservation is the easiest and most effective means of ensuring a future water supply. The efficiency of your faucets, toilets, and washing machines can have a major impact on the amount of water you use. 36

Home Remodeling


Resources: ✯✯ Albuquerque Bernalillo County Water Utility Authority offers free water audits and rebates for evaporative cooler thermostats, hot water recirculating systems, outdoor landscaping, showerheads, toilets, urinals, and washing machines. abcwua.org ✯✯ New Mexico Gas Company offers their customers a free low flow showerhead. Order yours at nmgcgetrebates.com/low-flow-showerhead.

Electricity

We use electricity to run our homes, and the majority of it is issued for entertainment, followed by lights, refrigerators, and cooling. Financial incentives from PNM: ✯✯ Analyze your home to find ways to save with this online tool at pnm.com/analyzer. ✯✯ PNM Home Energy Checkup. Get a snapshot of your home’s electricity use and pinpoint opportunities to reduce electricity waste with the included home assessment and installation of energy-saving measures. pnm.com/checkup ✯✯ Switch to more efficient lighting options. CFLs or LEDs can last 10 times longer, use 75 percent less energy, and give off less heat than incandescent bulbs. PNM offers discounts at stores across the state. For a list of retailers visit: pnm.com/cfletailers. ✯✯ PNM will pay you $50 to recycle your refrigerator. pnm.com/fridge. ✯✯ Install a high-efficiency air conditioner with a SEER rating of 14 or greater and receive $100. ✯✯ Through its Power Saver Program, PNM will pay you $25 per refrigerated air conditioner that participates in the program. You control your thermostat; however, on selected summer weekday afternoons when electricity demand soars, your refrigerated air conditioning unit is automatically put into a conservation mode. Although the temperature in your home may rise a few degrees, most customers report they don’t notice the change in temperature. Visit pnmpowersaver.com for details.


Essentials to Building

adapted from National Association of Home Builders

Your Custom Home

Building a custom home is an exciting experience. A great deal of your time, thought, and personality go into design and specifications as your housing ideas come together to form a home that’s uniquely yours. In addition to establishing your budget and selecting a builder, you may hire an architect, an interior designer, and/or a landscape architect. Often one team member leads to the rest through referrals. Perhaps you will work with a design-build firm. The design-build approach brings together design and construction expertise, usually resulting in greater continuity of service. However you assemble your design team, keep these points in mind: •• Check with relatives, friends, and colleagues for recommendations. •• Does the style and quality the designer is known for coincide with

your needs and wants? Look at examples of their work.

•• Can this team accommodate special needs you have, such as cre-

ating a historically accurate design, maximizing a view, achieving accessi­bility, or incorporating special amenities? •• What’s included in the cost? What’s extra? •• Ask about formal training, professional memberships, and check references.

Assembling Your Team

The responsibilities of the professionals on your design team may vary. However, the items you need to consider typically include these categories:

as a consultant if questions arise. The terms of your written agreements with the architect and the builder should cover this point.

Financing. Determine your budget at the onset. Consider the tax implications of your purchase. Compare loan programs from two or more sources. Many lenders offer an express or one-time close package that combines the two. This reduces paperwork, closing fees, and time.

Plan ownership. House plans are intellectual property. Be certain to build your home from plans you own or have the right to use. Plan ownership should be addressed in your contract.

Builder. He or she assists with your plans and specifications, establishes a budget, selects trade contractors and material suppliers, schedules the work, and oversees each step of construction. Architect. Depending on the terms of your contract, the architect may remain involved throughout construction or serve

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Landscape architect. Decisions about placement of your home on the lot, preservation of trees, and configuration of the drive and walks affect your landscape plan and its cost. Don’t hesitate to ask for an explanation at any point. Your design team welcomes questions, and they look forward to working with you to create your unique new home.


Consumer Resources Borrowing/Assistance for Home Buying portal.hud.gov/hudportal/HUD?src=/ topics/buying_a_home Build Green New Mexico buildgreennm.com Federal Tax Credits for Consumer Energy Efficiency energystar.gov/index.cfm?c=tax_credits. tx_index

Photo: Alexander Verticoff

Home Builders Association of Central New Mexico hbacnm.com Home Design, Decorating, and Remodeling Ideas houzz.com Homeowners’ Resources usa.gov/Citizen/Topics/Family/ Homeowners.shtml Household Hazardous Waste Disposal Information cabq.gov/envhealth/householdwaste.html Licensed Contractor Search public.psiexams.com/search.jsp

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National Kitchen & Bath Association nkba.org New Mexico Clean Energy Incentives cleanenergynm.org New Mexico Gas Company Rebates nmgco.com/energy_efficiency.aspx   New Mexico Incentives/Policies for Renewables & Efficiency dsireusa.org/incentives/index.cfm? EE=1&RE=1&SPV=0&ST=0&state= NM&sh=1 PNM Rebates pnm.com/rebates/home_rebates.htm Protect Your Family Against Lead epa.gov/lead/parents.html Recycling and Waste-Less Living earth911.com Understanding Radon epa.gov/radon Unlicensed Construction Violation Complaints rld.state.nm.us/construction/ File_a_Complaint_Unlicensed.aspx

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A Building & Remodeling Checklist ✓✓ Contact your local homebuilders’ association for the names of member builders and remodelers. You can also ask family, friends, or coworkers for recommendations. ✓✓ Find out how long the contractor has been in the construction business. It can take three to five years to establish a financially sound business. You want to make sure he/she will be around after the construction is complete. ✓✓ Make sure the builder/remodeler has sufficient workers’ compensation and general liability insurance. If not, you may be liable for any construction-related accidents on your premises. ✓✓ Ask the builder/remodeler to provide you with names of previous customers. If they won’t, beware. If they do, ask the customers if they would hire the contractor again. ✓✓ Ask if you can see the builder/remodeler’s work, both completed and in progress. Check for quality of workmanship and materials. ✓✓ Do you feel you can easily communicate with the builder/remodeler? Remember that you will be in close contact with him/her throughout the construction process and even after. ✓✓ Make sure the builder/remodeler provides you with a complete and clearly written contract. The contract will benefit both of you. If you are having a new home built, get and review a copy of the home warranty and homeowner manual as well. ✓✓ Be cautious of unusually low-priced bids. Adapted from National Association of Home Builders

Did you know that the Homes of Enchantment Parade is an HBA event? This free self-guided tour gives you the chance to see custom and production homes and remodels around Albuquerque and the surrounding area. For more information, visit paradenm.com.

Spring Dates April 25–27 May 2–4

Fall Dates Oct 10–12 Oct 17–19


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