A Guide to New Home Windows

A Guide To New Home Windows 

Many homes tend to serve as hot spots for meetings, family gatherings, and play dates, especially with more and more people having to work from home and even do homeschooling. 

Homeowners are noticing more and more all the items in their home that are needing some replacing or TLC. After years of use and activity, your home is bound to require some updates — including the windows. There are numerous benefits that come with new home windows, but what exactly are they? Windows can have an impact on the value of your house, and in some cases can lower heating and cooling costs. The following post will cover the main factors to consider when investing in new windows. 

How Windows Impact Home Value 

As a homeowner, you probably realize that the housing market tends to fluctuate. To keep up, renovations may be necessary from time to time. Even if you don’t plan to sell, performing proper maintenance could help boost your home value. In fact, windows are an often-underrated selling point of a house. While replacing windows isn’t necessarily a cheap DIY project, it almost always boosts value.

On average, it costs about $5,421 to install new windows. To replace all of them in a house, you might spend on average $12,000. However, you could earn roughly $10,000 back in resale value, increasing the likelihood of a larger net profit.

When Should You Update? 

It’s expected that over time your house may experience some wear and tear. As such, it might need to undergo renovations. Here are a few ways to tell if your windows need to be replaced:

You feel drafts coming in around the framesYour energy bills are increasingThere’s noticeably more condensation or frost on the glassThe frames are starting to decay or chipThere’s visible damage caused by wind, rain, freezing temperatures, or extreme sunlight

Aside from replacing non efficient or broken panes, you might consider updating the windows to increase curb appeal. If the rest of your house is in top shape but the windows look outdated, it could throw off the aesthetic of the property. Torn screens or old-fashioned window designs might decrease the market price because they make the rest of the house look unkempt.

Modern renovations, such as swapping single pane windows with energy efficient units, can add value to your home and make a positive visual impression. You might be surprised how much more welcoming your residence looks when the outside is well-maintained.

Determining Insurance Coverage 

Most homeowners insurance can cover a variety of repairs. Regardless of the provider and reasons for replacing the windows, it’s helpful to know the coverage options and under what terms you can update your property. For example, most plans cover natural damage, such as from a fire, flood, or storm. Peril policies will usually help if the event occurred outside of the home, while all-risk policies can cover more circumstances.

Wear and tear, negligence, and common maintenance aren’t typically covered in most insurance plans, though supplementary damage might be included. Review your policy for the specifics.

How Windows Impact Your Electrical Costs 

Most older windows are single-pane, which means more hot and cool air can escape as the seasons change. The more panes you have, the more energy efficient. Consider replacing single panes with windows that are more environmentally friendly to help the planet and your wallet. You could save an estimated $126 to $465 per year, depending on where you live and how many units need to be replaced.

Additionally, heating and cooling costs comprise roughly 40% of yearly energy expenses. If your windows aren’t working efficiently, it might cause air leaks and wasted energy. When they work properly, however, you could spend less on your furnace and air conditioning systems.

When thinking of ways to increase home value, your thoughts probably go to the kitchen or bathroom first. However, don’t underestimate the power of new windows. With a little research and some investment, you could boost the home’s value and your family’s comfort.

Written for Waypointe Realty courtesy of Jaclyn Crawford, a staff writer with ImproveNet in 2016, who enjoys chronicling the latest trends and ways you can make your home the loveliest it can be.

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window

Top Bathroom Trends In 2020

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Top Bathroom Trends in 2020

Wondering what’s hot in bathrooms this year? Whether you are building a new home or ready to remodel, it always pays to learn what’s trending.

Keeping bathrooms fresh and vibrant is a great way to add enjoyment and value to a home. With that in mind, here’s a look at some of the most popular and prevalent bathroom trends of 2020.

1. Bold and Shiny Bathroom Tiles

If deep, dark, moody hues are your go-to decorating favorites, you will love one of the top tile trends of 2020. Glossy bold tiles are back in style.

Especially in vogue are jewel-toned tiles such as royal blues and greens.

Make a strong statement in the bathroom with these shades.

2. Raw and Natural Bathroom Tiles

On the flip side of bold and flashy are tiles that return to a more earthy look. Natural textured tiles can work on walls or floors.

If you use them for the floor, though, invest in rugs that will be comfortable to step on each day, as this kind of texture can be hard on the feet. One especially fashionable choice for floors is travertine, with its warm hue that flouts the long-held standard of bright and white in the bathroom.  

3. Tiles in Unique Shapes

Squares and rectangles are only two of the many possibilities for bathroom tiles. 

Everything from hexagons to scallops is making waves these days. When you’re creating a stylish bathroom, think outside the box with shape and size. 

4. Showstopping Bathtubs

The love of luxury is here to stay in bathroom design. Recent luxurious developments include interesting tub shapes and eye-catching freestanding designs. 

Not only are classic oval and rectangle options available, but you can also select a round tub to create a unique aesthetic. Deep-soaking tubs are still beloved, as they give homeowners a place to relax and unwind with maximum comfort. 

An increasing number of black tubs can be found in current home showcases as well. These add a note of opulence to their surroundings. 

5. The Color Black

Speaking of black tubs, this is a color that’s truly on-trend in today’s bathrooms. Forget the more muted gray and go with bold black instead! 

Look for it in light fixtures, vanities, mirrors, and more to distinguish your bathroom from the traditional design.  

6. Raw Stone Sinks

There’s nothing like the natural beauty of a raw stone stink. Add one to any bathroom to up the wow factor. 

If you are considering installing one in a bathroom with heavy usage, however, keep in mind natural stone can be hard to clean. 

7. Brushed Brass Finishes 

The elegance of brushed brass is trending in bathroom designs, especially when homeowners want to create a luxurious, spa-like space, such as in the master suite. 

Favored for its sophistication and glamour, brass has many applications for the bathroom. This finish is effective on faucets, mirrors, vanity hardware, and light fixtures. 

8. Smart Upgrades

As technology continues to evolve, so do bathrooms. Trending today are high-tech toilets, seat warmers, automatic lid openers, smart showers, automatic sinks, and the ever-popular built-in Bluetooth speaker system. 

If you love a little tech boost at home, also consider voice-activated lighting and mirrors that talk to you!​ 

When you want to stay on the cutting edge of modern bathroom design, exploring trends is key. 

The eight ideas above are a great place to start for your bathroom. Pick the in-style ideas that are most appealing and work them into the design, knowing you are in good company. 

Written for Waypointe Realty courtesy of Erica Garland, Content Marketing Manager at Modern Bathroom with 15-plus years of experience in the bathroom renovation industry. 

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Oviedo Neighborhoods and Communities

  1. Aloma Woods – Partially gated community located off S.R. 426 south of Oviedo. 200+ homes range from $160,000 to $425,000 in the estates section.
  2. Black Hammock Community – this rural community without an association is made up of hundreds of homes and vacant land ranging from 1-20+ acres. Properties average around 5 acres each depending on the age of the home and the location within the Hammock. Homes can range from mobile homes to cabin and large custom homes and prices are just as varied. When there are homes available, they can range from $150,000 to $800,000. 
  3. Bentley Woods – Centex-built subdivision located on the north side of Oviedo, just south of SR 434. 200+ homes ranging from $175,000 to $275,000.
  4. Brighton Park – Located in Oviedo, just north of the University of Central Florida, Brighton Park is the most upscale subdivision in the Carillon development. There are around 300 custom built homes ranging from $250,000-$400,000.
  5. Cardinal Glen – Located off McCulloch Road south of Aloma Ave. in Oviedo, Cardinal Glen is a gated 40 lot subdivision with custom homes ranging from $350,000 to $500,000.
  6. Carillon – Just north of UCF, Carillon has just over 800 homes ranging in price from $175,000 to $450,000.
  7. Chapman Groves – Located off Chapman Road in Oviedo, just east of Alafaya Trail (434). Chapman Groves has 108 homes with large lots ranging from $200,000 to $350,000.
  8. Chapman Lakes – Located off Chapman Road in Oviedo between Alafaya Trail and Aloma Ave. (426), Chapman Lakes is a gated subdivision homes priced from $250,000 to $425,000.
  9. Ellington Estates – Located off State Road 434 in Oviedo, Ellington Estates is a 30 lot custom home gated community with homes priced from $400,000 to $800,000.
  10. Huntington – Located off Chapman Road in Oviedo, Huntington is a wooded 173 lot subdivision with homes ranging from $275,000 to $700,000.
  11. Kingsbridge – Located off Mitchell Hammock Road in Oviedo, Kingsbridge is a 435 lot subdivision divided into east and west sections. Prices range from $175,000 to $425,000, with homes on Long Lake topping the $800,000 mark.
  12. Lafayette Forest – Located off Citrus Ave., just north of Red Bug Lake Road in Oviedo, Lafayette Forest is a 92 lot custom home subdivision with homes ranging from $225,000 to $325,000.
  13. Little Creek – Located on both sides of Lockwood Road in Oviedo, Little Creek is a 442 home subdivision divided up into several smaller neighborhoods. Prices range from $175,000-$325,000.

14 Live Oak Reserve – Located off S.R. 419, across the Econlockhatchee River from Oviedo, Live Oak Reserve is a planned community of over 700 homes from $225,000 to $550,000.

15 MacKinley’s Mill – Located off SR 434 just east of the Greeneway (417) in Oviedo, MacKinley’s Mill is a 106 home subdivision with custom homes ranging from $250,000 to $400,000.

16 Mayfair Oaks – Located off Chapman Road in Oviedo, Mayfair Oaks is a 41 lot custom home subdivision with homes ranging from $275,000 to $400,000.

17 Oviedo Forest – Oviedo Forest is a 238 lot partially gated community located off Lockwood Road near the intersection with 426 (Geneva Dr.) with homes ranging from $300,000-$500,000.

18 Preserve at Black Hammock – Preserve at Black Hammock is a 70 home gated community located just north of SR 434 in Oviedo with homes ranging from $350,000 to $550,000.

19 Remington Park – Located off Alafaya Trail S.R. 434 on the south side of Oviedo, Remington Park is a 230 home subdivision with homes ranging in price from $225,000 to $350,000.

20 River Walk – Located off McCullough Road in Oviedo, west of SR 434 (Alafaya Trail), River Walk is an upscale gated community of 124 custom homes ranging from $300,000 to $600,000.

21 Seminole Woods – Seminole Woods is 1,550 acre guard gated community of 262 wooded five acre lots with custom homes ranging in value from $350,000 to over a million dollars.

22 Stonehurst – Located off Tuscawilla Road, just north of Red Bug Lake Road in Oviedo, Stonehurst is a gated custom home community with 67 lots. Homes range from $450,000 to over $700,000.

23 The Sanctuary – Located off S.R. 419, across the Econlockhatchee River from Oviedo, The Sanctuary is a planned community of over 700 homes from $160,000 to $500,000.

24 Tuska Ridge – Located off Red Bug Lake Road west of SR 426, Tuska Ridge is a 390 home subdivision with prices ranging from $220,000 to $350,000.

25 Twin Rivers – Located off Lockwood Blvd. in Oviedo, Twin Rivers is a large subdivision with over 1,000 homes ranging in price from $150,000 to $400,000.

26 Wentworth Estates – Located off S.R. 426 (Aloma) in Oviedo, Wentworth Estates is a gated community with 60 homes ranging in price from $300,000 to $450,000.

How To Throw A Great Superbowl Party

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While your team may not have made it to the final game, the Superbowl is the perfect excuse to bring together your family and friends for a day of fun. Whether the 49ers or the Chiefs win, you can throw a party that will be sure to win.

Here are a few tips that will help you throw the best Superbowl party on the block.

Have great snacks

Having the best food is an easy way to guarantee your guests will have a great time. Consider making football-themed snacks or if you want to be a little more festive, try your hand at Latin food (maybe Cubanos!) to celebrate the game taking place in Miami, a place known for their love of Latin food!

Make themed drinks

While beer is definitely known as the drink of football, you can use this opportunity to create a themed beverage based on the team of your choice (or both!) that can be served both with and without alcohol, especially if kids will be around during the party.

Check your channels

Make sure before you begin any planning, you have the channel that will be playing the Superbowl this year!

Make your own games

Guests love to be engaged. Keep them involved by having everyone rate the commercials or take prop bets – like who will be MVP or if the halftime performer will get caught lip-synching!

Have fun!

Especially if you’re a fan of a team in the game, keep in mind that it is just a game! Enjoy the company of your loved ones and have fun!!

Types of Houses

Choosing a home involves several critical decisions. You’ll think about square footage, the number of bedrooms and bathrooms and whether or not you want a multi-story home.

However, one of the most fundamental considerations is the architectural style of home that you prefer. If you’re not familiar with the most common architectural styles, then this will provide you with a convenient overview.

Custom Home

What does it mean when a builder says that they specialize in “custom” homes? Typically, they are drawing a distinction between their services and those of a “production” builder. When you work with a production builder, the home is located in a subdivision where the customers choose from a library of floor-plans. Each one has a limited number of personalization options. These can be wonderful, but sometimes people want more design input. They have specific requirements that just don’t fit in the floor plan library. Accordingly, a custom home is a one-of-a-kind project. Designing a custom home puts the buyer in the driver’s seat. They can hire someone to draw up a floor plan and do it themselves. Throughout the project, they’ll have to make numerous decisions.

A custom home is attractive because it can take on any size, elevation or architectural style.

Ranch Style

The ranch-style house became popular after World War II. Inspired by Spanish colonial homes, these structures have low rooflines and wide eaves. Frequently, they are single-story buildings though there are subtypes like split-level ranches that have more than one story. The defining characteristics of the ranch style include sliding glass doors, large windows, attached garages, back patios, a cross-gabled or hip roof and a mix of exterior materials.

It’s not unusual to find an open living area that combines a kitchen, dining area and family room. Three bedrooms are common as are full basements.

Colonial

This architectural style is influenced by 17th century European buildings. Colonists who settled in America brought the style with them. The earliest homes featured two stories, with each floor having one large room. Eventually, this evolved into two-story layouts with four rooms on each floor known as four-over-four.

Colonial homes are symmetrical with a centrally placed front door. Two windows are placed on either side of the door, and the upper story features five windows across. A medium-pitched roof, paired chimneys and a stairway directly behind the entry door are common characteristics.

Manufactured Homes

Manufactured homes may have their roots in mobile homes, but the best examples are virtually indistinguishable from traditional houses. They are built in one, two or three sections with each section having wheels underneath. Federal standards require the use of steel beams.

Manufactured homes are built in a factory. They can be placed on metal piers or blocks with skirting. It’s even possible to place these homes over a basement.

Farmhouse

The term “farmhouse” refers more to the location and purpose of a structure rather than its looks. Lumber, brick or quarried stone may be used in their construction, but the farmhouse is always comfortable and unpretentious.

Typically, they are found in rural locations, feature functional porches and combine formal and informal spaces.

Townhouse

These homes have more than one story and share at least one or two walls with other townhouses. These frequently are built in a small neighborhood with a homeowners’ association.

Because of the smaller footprint and shared walls, townhouses tend to be more affordable. Yards are small, making this an ideal choice for people who aren’t interested in gardening.

Log Cabin

With their tapered logs, oversized windows and rustic touches, log cabins are cozy with just the right amount of elegance. Modern log cabins may be tiny or massive, but they nearly always have at least one stone fireplace. Single-story floor plans are preferred, but more people are incorporating lofts or second stories. Handcrafted touches and unique architectural elements make each cabin distinctive.

Think You Want To Buy A Fixer-Upper Home?

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Buying a house is a major life change, and you’ll have to make many decisions. For instance, do you want new construction, or does a fixer-upper appeal to you?

 

 

Fixer-upper homes have a great deal to recommend them, but also they can be a lot of work. Typically, a fixer-upper can be lived in but it needs lots of reconstruction or redesign. Because it needs work, these houses usually feature a lower asking price. This means that the buyer may be able to get more house for their money.

 

 

Before jumping into a fixer-upper, you’ll have to weigh several considerations. Will the house be your primary residence? Will you be flipping it or renting it? How much will the market value of the home be once it’s been renovated? How much money and time will be required to finish the project? Answering these questions and others will help you to determine whether or not a fixer-upper is right for you.

 

 

How to Identify a Fixer-Upper

 

 

In general, a fixer-upper needs fairly extensive renovations. This is more than just painting a couple of rooms, adding a deck or replacing the bathroom fixtures, although all of these tasks may be included in the project.

 

 

Instead, a true fixer-upper may have problems such as needing:

 

 

-All new windows

 

-A replacement roof

 

-Shored-up foundations

 

-New HVAC or central air

 

-Steps, sidewalks or a driveway

 

-A new plumbing system

 

-Extensive electrical wiring

 

-A complete remodel of the kitchen and baths

 

 

Typically, for a home to be a fixer-upper, these projects need to be completed with some urgency, and there may be a number of smaller jobs that also need to be done.

 

 

Is Fixing Up this Home Really Worth the Cost?

 

 

Some fixer-uppers end up being money pits that cost far more to fix than they will ever actually be worth. While it’s difficult to assess precisely how much the renovations will cost, there are certain things you can do to obtain an estimate.

 

 

First, consider how old the house is. The older it is, the bigger the problems are likely to be. Those problems will be expensive to fix. Any home that’s older than 50 is bound to be more of a gamble.

 

 

It’s wise to ask a home inspector to thoroughly review the property for signs of frayed wiring, structural problems and mold. This will clue you in to exactly how many problems you’re facing.

 

 

Take some time to really assess every room and system in the house. Keep a list not only of the big-ticket items but also the smaller, less expensive things you’d like to change, like replacing the kitchen sink.

 

 

Unless you’re going to do all the work yourself, it’s sensible to have a contractor come in to provide estimates for the projects you’d like to have done. If you’re doing the work yourself, estimate how much the materials you’ll need will cost and how much time the repairs will take.

 

 

With all of these factors in mind, talk to your real estate agent about the eventual value of the house after all of the repairs are made. This will let you know if this fixer-upper is worth the price.

 

 

Are You In It for the Short-Term or the Long-Term?

 

 

If you’re looking to flip that fixer-upper for a quick profit, then time is of the essence. The longer you own the home, the more mortgage payments you’ll have to make on it, and that may mean losing money. Expert flippers do their work in just a few weeks or perhaps a month or two at the most. This enables them to turn a tidy profit, and this strategy could work for you if you’re prepared.

 

 

You may get more benefit from buying a fixer-upper if you plan to stay there mid- or long-term. This provides you with an opportunity to build equity and turn the house into a dream home. When you decide to sell in a few years, you’ll stand to make a nice profit.

 

 

When to Hire a Professional

 

 

Some people want to be able to do the renovation by themselves. If you are a construction worker, have a background in engineering or are a contractor, you’re probably up to the task. However, if this is your first opportunity to do some major home renovations, then it’s wise and cost-effective to consult with a professional.

 

 

For instance, if your project deals with the plumbing, electrical or heating and cooling systems in the house, you probably need an expert. Errors on these tasks are costly, not to mention dangerous. You also may need assistance if you’re pouring concrete for a driveway or installing a new roof. These are big projects that really do need the expertise of a professional.

 

 

Take Baby Steps

 

 

When you buy a fixer-upper, it’s easy to feel overwhelmed with the sheer number and enormity of the projects that are needed. Instead of taking on everything at once, focus on a small task that you can accomplish like replacing the bathroom faucet, changing the light fixture in the dining room or fixing a doorknob. Each task, from replacing a window to remodeling the kitchen, can be accomplished by taking just one small step at a time, and each of those steps takes you closer to your dream home.

 

 

Need Someone to Guide You Through the Process?

 

 

Waypointe Realty provides comprehensive services to its clients whether they want to buy a new construction home or a fixer-upper. If you have your heart set on a house that needs quite a bit of love, then talk to the experts at WayPointe to figure out whether or not it’s a good candidate to become your dream home.

Top 10 Things Buyers Should Ask Before Making An Offer on a Home

Buying a home is a very exciting time for buyers. But a lot of them want to know “What should I be asking before making an offer?” Here are the top 10 questions you should be asking before making an offer on a house.

1. 
What is the market value of your home? 

One of the most important decisions you’re going to be making is how much to put an offer for. You don’t want to overpay for home, so as your Realtors we will put together a CMA, which is a comparable market analysis. It takes a look at:

  • What is going on in this market?
  • What has sold?
  • What has it sold for?
  • What is the timing and condition of those homes? 

We
want to make sure you are never overpaying for a property because an appraisal
is going to come down and shoot that price down anyways. We want to make sure
that you are getting a good deal and definitely going below what the market
value is if possible.

2.
How much did the seller pay for the home? 

If they purchased the home 5, 10, 30+ years ago, of course there’s equity in that home. So looking at the question is probably not very relevant. However, if they purchased the home a year or two ago and have not made any upgrades to the property and they are looking to flip it for about $50,000 more, you are probably getting into a home that is overpriced. You want to be careful and make sure you’re not buying an overpriced home that hasn’t had any renovations or upgrades just because the seller is looking to make a lot of equity on a home that they just purchased.

3.
How long has the property been on the market? 

Seller motivation is huge. The longer a home has been on the market, the more willing they are going to negotiate because they probably just want to get out of that home. We want to make sure we look at factors such as:

  1. Why has the home been on the market that long?
  2. Was it priced too high to begin with?
  3. Were there issues that came back if it was under contract before?

This is really good analysis and snapshot of sellers’ motivation and what your offer can be.

4.
What is the current state of the market in general? 

A lot of the buyers don’t always necessarily look at that or they do and then they get caught up with the house, but it is important to see where we are in the economic cycle of real estate. 

5.
Are there any issues with the house? 

Once
you get an executed contract, you will be able to hire an inspector to come and
do an inspection. It is very important that you understand what the expenses
could be for any issues that arise in a home, because those are out of pocket
expenses if you are unable to negotiate those items and repairs with the
seller.

6.
Are there any plans for a future development in this neighborhood or
surrounding area? 

You may come to find out that they are building either a school, or a factory, or something nearby they can affect the value of your home in the future. We encountered a time when we found out that in a condo there was an investor purchasing all of the units. Anybody who purchased risked losing their condo, because once the investor hit 80% of the ownership, they can buy out the remaining 20% of the owners without any question and turn it into an apartment. So if your goal was to stay in that condo for a long period of time, then you’re out of luck. 

It
is really important to see what are the future development of this neighborhood
or surrounding area.

7.
How old are the mechanics of the home? (This question is really important)

Your roof, electrical, plumbing, your AC are the main big ticket items of a home. These are things that you want to look at.

  1. How old are they?
  2. When am I going to need to replace them?
  3. How much will the replacement cost?

These are the most costly items to repair or replace in the property so getting a home warranty would probably be a really good option for most buyers.

Even assessing the costs and condition upfront is important so that you understand the offer you should submit. Consider the expenses of a new roof, possible new AC, or redoing plumbing if it’s poly pipes or copper. Make sure you consider all of those and ask those questions when putting in an offer.

8. What is the seller’s timeline? 

This
can be a good motivator for you so that you can understand how to submit a more
competitive offer in your favor when you can give the seller the timeline of
when they need to close and move into a house. Not every seller wants to close
in 30 days. Some may need to find a house, so they want 45 days or 60 days. The
more flexible you are, the more you can negotiate with the purchase price.

9. Have you received any other offers? 

This is a great question because if they have had a handful of other offers, why didn’t they accept any of them?

  1. Were rejected offers lowball offers?
  2. Were there contingencies that the seller would not accept?
  3. Is this property a waste of my time?

Again, this helps us formulate a better offer for you, the buyer.

10. What are your closing costs going to be on the purchase of this home?

Many times buyers overlook this because all they think about is their down payment. The down payment is not the only cost in purchasing a home. An inspection costs money and that is out of pocket and that is whether or not you proceed to move forward with the closing of this home. There’s much more involved than just your down payment. Here’s a good breakdown: closing costs. Being able to calculate that, and ask your lender for your Good Faith Estimate before hand is going to help you understand how much you can get into this house for, and what is it going to look like a closing.


As
you can see, there are a lot of very valuable questions you should be asking
prior to submitting an offer. Your agent should be asking all of these
questions on your behalf and guiding you through the process to make sure that
you are well informed in submitting an offer that is to your benefit, and making
sure that you are not overpaying for a property.

At Waypointe Realty, we setup a VIP Buyer Consultation to go over the entire home buying process in detail and outline all the value we offer our buyers when you choose us to represent you in the purchase of your next home. 

You'll love your new home guaranteed or I'll sell it for free. Buyer's guarantee.

We GUARANTEE that you will love the home you’re in or we will help you sell it for free.

If you have any questions about how to purchase a property, what to look for in a home, please feel free to contact us at 407-801-9914.

Buyers Beware: Plumbing Red Flags You Need to Know

Purchasing your new home can be an exciting experience. However, this task does not come without its difficulties, as there are a multitude of factors that you must keep in mind to find the perfect home. One of those crucial aspects that is often overlooked is finding the right plumbing for your safety and needs. Today, we will learn about three different types of piping; examining a brief history of each variety, potential risks associated with the piping, and how to spot these various piping systems.

Polybutylene Piping

Polybutylene Piping ! This piping system was inexpensive and convenient, making it a relatively popular option and was common in homes in the 1980s and 1990s. They were discontinued because of failures at the plastic fittings.

Unfortunately, there are a multitude of problems associated with polybutylene piping. Some of these include:

  • Chlorine may react with polybutylene, partially decomposing the metal.
  • Polybutylene leaks can be extremely devastating; often causing tens of thousands in damage.
  • These piping systems are older, making them more susceptible to leakage.
  • Often times, insurance will not cover damage from polybutylene piping due to its tendency to cause problems.

Insurability

While there are some insurance companies out there that may offer limited water damage of $10,000, the majority of the carriers will not offer a policy if there is any polybutylene piping in the home. It would be a good idea in looking into getting it replaced.

These are just some of the problems associated with polybutylene piping. 

So how can you tell if you have polybutylene piping?

There are several identification elements that you may use to determine if your pipes are polybutylene. First of all, these pipes will always be flexible unlike some other types of piping. Additionally, this style of piping is typically marked with an identification code of: PB2110. Lastly, these pipes most often have a gray, blue or black color. 

Copper Piping

Copper piping is a tried and true piping method. It dates all the way back to the 1930s, and is still a prominent piping option today. The only concern with copper piping is it will corrode over time so please consult a licensed plumber to make sure the copper pipes are in good condition.

Although copper piping is one of the more reliable varieties of piping, there are still a couple of issues associated with it.

  • Copper pipes are prone to pitting corrosion, where buildup in a small area causes a tiny leak.
  • Compared to other options, copper piping is quite expensive.
  • Copper may not be a great system for hot water, because it loses heat quickly.

Insurability

This is an acceptable type of piping for insurance companies and is very common in most homes, but insurance companies will want you to replace them as soon as possible.

How to Spot Copper Plumbing

Copper piping systems are relatively easy to spot. Whenever they are first installed, they will have a brighter look, similar to a new penny. As they age, the copper begins to react with water and turn a brown color. 

Pex Piping

Pex piping (or crosslinked polyethylene) is a newer plastic that is fashioned into a flexible pipe. Pex piping has been around a long time but was used in residential homes in the early late 90’s early 2000’s.

Some have no issues with pex piping and some companies will want to see pex piping no older than 2010.

Pex piping systems are a great option, but there are some problems that come with this specific type of piping system. 

  • Pex pipes often leach harmful chemicals from pipes, exposing your water to contamination.
  • If Pex piping is in sunlight, it is susceptible to decomposition.
  • This variety of piping is not the best choice for the environment.

Insurability

Each insurance company has different guidelines when insuring homes with pex piping so please ask your agent if the insurance company you are looking to go with has any issues with that particular kind of piping. Please consult a licensed plumber to make sure the pex is in good working condition.

Despite some of the disadvantages, Pex piping is generally a durable option for your home. 

Identifying Pex plumbing

If you are trying to identify Pex piping, there are a few noticeable ways to distinguish it. First of all, you have Pex piping if it is made out of plastic. Additionally, the pipes will often be a bright red or blue color. 

Hopefully this guide helped you build a better understanding of the various types of piping used throughout homes. Use this knowledge to determine the best piping system for your needs while you are searching for your new home.

Article was written with assistance from Brightway Insurance’s Joshua Amos: 321.363.5500

How To Recover Your Home After A Hurricane

How to Recover your home after a hurricane

The Hurricane Aftermath

In the aftermath of a natural disaster like a hurricane, people want to get back to normal. Unfortunately, strong winds and high waters can cause severe damage to homes in the affected area.

Continue reading “How To Recover Your Home After A Hurricane”

What to Ask When Choosing A Lender

When looking at purchasing a home and acquiring a loan, you’ll be doing some research on lenders. Here are a few questions to ask when choosing a lender to choose the one that best meets your needs:

1. What are the most popular mortgages you offer? Why are they so popular?

2. What fees are included in the loan; and what fees will be due at closing?

3. Are your rates, terms, fees and closing costs negotiable?

4. Do you offer discounts for inspections, homeownership classes or setting up automatic payments?

5. Will I have to buy private mortgage insurance (PMI)? If so, how much will it be and how long will it be required?

6. What are your escrow requirements?

7. What bill-pay options do you offer?

8. What would be included in my mortgage payment (homeowner’s insurance, property taxes, etc.)?

9. Which type of mortgage plan would you recommend for my situation?

10. Who will service this loan – your bank or another company?

11. How long will the rate on this loan be locked-in? Will I be able to obtain a lower rate if the market rate drops during the lock-in period?

12. How long will the loan approval process take?

13. How long will it take to close the loan?

14. Are there any charges or penalties for prepaying this loan?

15. How much in total will I be paying over the life of this loan?

16. Can you tell me how much my monthly payment would be for what I qualify for?

These questions can help prompt an educational discussion with potential lenders that keep you informed and aware of your options and the loan process when purchasing a home.

Ready to start? Contact us for a list of the lenders we trust and work with. Once you have your pre-approval, we’re ready to start the home search process.