Archive for November, 2009

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REQUIRED FIELDS IN YELLOW

First Name Last Name *SSN ( REQUIRED) Co-applicant first name Co-applicant last name Co-applicant SSN ( if applicable) Street City State Select...ALAKAZARCACOCTDEFLGAHIIDILINIAKSKYLAMEMDMAMIMNMSMOMTNENVNHNJNMNYNCNDOHOKORPARISCSDTNTXUTVTVAWADCWVWIWY Zip Home Phone Work Phone Email BK in the last 7 years? Yes No Years at current residence Years at current Job Applicant\'s monthly income $ Co-applicant\'s monthly income $ Other monthly income $ Do you currently rent or own Select...RentOwn Auto #1 Payment $ Auto #2 Payment $ Total monthly payments for all credit cards Current monthly rent/ mortgage Current monthly space rent Other monthly payments Numbers of bedrooms needed Ready to move: Select...ASAP30-60 days60-90 days90+ Have you seen any homes that you like? Yes No If yes, where? Initial down payment you have available $ Desired monthly payment $ I have a manufactured home to trade in Yes No I am looking for a home in a Select...Family CommunitySenior CommunityPrivate Property Have you visited a 5 Star Homes display center before? Yes No If you have visted, who did you talk with? How did you find out about us? INFORMATION FOR GOVERNMENT MONITORING PURPOSES The following information is requested by the Federal Government for certain types of loans related to a dwelling, in order to monitor the Lender's compliance with equal credit opportunity, fair housing and home mortgage disclosure laws.  You are not required to furnish this information, but are encouraged to do so.  The law provides that a Lender may discriminate neither on the basis of this information, nor on whether you choose to furnish it.  If you furnish the information, please provide both ethnicity and race.  For race, you may check more than one designation.  If you choose not to furnish it, under Federal regulations this Lender is required to note ethnicity, race and sex on the basis of visual observation or surname.  If you do not wish to furnish the above information, please check the box below.  (Lender must review the above material to assure that the disclosures satisfy all requirements to which the Lender is subject under applicable state law for the particular type of loan applied for.) Ethnicity Select...Do not wish to furnishHispanic or LatinoNot Hispanic or LatinoAmerican Indian or Alaska NativeBlack/African AmericanAsianWhiteNative Hawaiin or Pacific Islander Gender Select...MaleFemale Co-Applicant Ethnicity Select...Do not wish to furnishHispanic or LatinoNot Hispanic or LatinoAmerican Indian or Alaska NativeBlack/African AmericanAsianWhiteNative Hawaiin or Pacific Islander Gender Select...MaleFemale Best Number to Fax to? ( if necessary) Questions or Comments? By clicking the submission button below, I / We warrant the information furnished is truthful, accurate and supplied voluntarily and therefore authorizes you at your option to check my / our credit and employment histories and bank references, to answer questions about our credit history with me / us, and to keep this application whether or not it is accepted.

Skyline Floor Plans - Click through the Navigation Bar on the right ->

5 Star Homes is proud to be affiliated with 3 of the finest manufacturers in the industry - Skyline, Silvercrest and Karsten! These manufacturers have a wide variety of floor plans to browse through; from small to large. All the floor plans that you see have nicely appointed standard feature packages that are included on all base models.


We can also assist you in choosing additional upgrades and options in order to customize and design your new home specifically around your needs and individual tastes.  If you have any questions please don't hesitate to contact us at 800-457-8276.

 
 

Silvercrest Floor Plans - Click through the Navigation Bar on the right ->

5 Star Homes is proud to be affiliated with 3 of the finest manufacturers in the industry - Skyline, Silvercrest and Karsten! These manufacturers have a wide variety of floor plans to browse through; from small to large. All the floor plans that you see have nicely appointed standard feature packages that are included on all base models.

We can also assist you in choosing additional upgrades and options in order to customize and design your new home specifically around your needs and individual tastes.  If you have any questions please don't hesitate to contact us 800-457-8276.

Karsten Floor Plans - Click through the Navigation Bar on the right ->

5 Star Homes is proud to be affiliated with 3 of the finest manufacturers in the industry - Skyline, Silvercrest and Karsten! These manufacturers have a wide variety of floor plans to browse through; from small to large. All the floor plans that you see have nicely appointed standard feature packages that are included on all base models.

We can also assist you in choosing additional upgrades and options in order to customize and design your new home specifically around your needs and individual tastes.  If you have any questions please don't hesitate to contact us at 800-457-8276.

Home Buyer Tax Credits at a Glance

(It has been estimated that 70 percent of the population of the U.S. will qualify for one of these credits)

$8,000 First-time Home Buyer Tax Credit at a Glance

    * The $8,000 tax credit is for first-time home buyers only. For the tax credit program, the IRS 
       defines a first-time home buyer as someone who has not owned a principal residence during
       the three-year period prior to the purchase.
    * The tax credit does not have to be repaid.
    * The tax credit is equal to 10 percent of the home’s purchase price up to a maximum of $8,000.
    * The tax credit applies only to homes priced at $800,000 or less.
    * The tax credit now applies to sales occurring on or after January 1, 2009 and on or before
        April 30, 2010. However, in cases where a binding sales contract is signed by April 30,   
        2010, a home purchase completed by June 30, 2010 will qualify.
    * For homes purchased on or after January 1, 2009 and on or before November 6, 2009, the
       income limits are $75,000 for single taxpayers and $150,000 for married couples filing
       jointly.
    * For homes purchased after November 6, 2009 and on or before April 30, 2010, single
       taxpayers with incomes up to $125,000 and married couples with incomes up to $225,000
       qualify for the full tax credit.


The $6,500 Move-Up / Repeat Home Buyer Tax Credit at a Glance

    * To be eligible to claim the tax credit, buyers must have owned and lived in their previous home
       for five consecutive years out of the last eight years.
    * The tax credit does not have to be repaid.
    * The tax credit is equal to 10 percent of the home’s purchase price up to a maximum of $6,500.
    * The tax credit applies only to homes priced at $800,000 or less.
    * The credit is available for homes purchased after November 6, 2009 and on or before April
       30, 2010. However, in cases where a binding sales contract is signed by April 30, 2010, the
       home purchase qualifies provided it is completed by June 30, 2010.
    * Single taxpayers with incomes up to $125,000 and married couples with incomes up to
       $225,000 qualify for the full tax credit.

 Click Here For OFFICIAL information on the Home Buyer Federal Tax Credits.


 

EPA Says Over 1 Million Energy Star Homes Built in the United States

Jansen Ng (Blog) - November 11, 2009 12:08 AM


Saving the environment can also save you money

The Energy Star program is arguably the best known energy efficiency program to consumers worldwide. It was first introduced by the United States Environmental Protection Agency in 1992, but has been since been adopted by Australia, Canada, Japan, New Zealand, Taiwan and the European Union as well.

Most people think of computers and appliances when Energy Star is mentioned, but the program has been labeling homes built in the United States since 1995. An Energy Star home uses at least 15% less energy than standard homes built to the 2004 International Residential Code (IRC), but may be even more efficient depending on the materials and design. The majority of Energy Star homes are 20%-30% more efficient than the typical home.

In order to earn the Energy Star label, a home must meet multiple energy efficiency guidelines established by the EPA.  Builders typically use high performance insulation, multiple-paned windows, tight construction and ducting, and energy efficient cooling and heating systems to meet these guidelines. Energy Star qualified lighting and appliances may also be installed by builders.

Although the type of materials used are important, proper installation is critical for energy efficiency. An independent home energy rater is required to conduct onsite testing and inspections to verify that the home’s performance meets Energy Star requirements.

Any home or dwelling that is three stories or less can earn the Energy Star label once it has been verified to meet the standards of the EPA. Besides the typical detached house, multi-family homes, pre-manufactured homes, systems-built homes using modular construction, log homes, and concrete homes have all been given Energy Star labeling.

Retrofitting existing homes has also become very popular as homeowners try to save money on heating, cooling and electricity. Although most of the costs are borne upfront, the increased efficiency of the upgrades can pay the cost back many times over the long-term. Many homeowners also try for Energy Star certification before selling their home, as it helps to raise the value of their house.

Electricity and heating used in homes often comes from the burning of fossil fuels, whether at  the home or from more distant coal-fired power plants. This can create smog, acid rain, and raise the risks of global warming.

The EPA estimates that the Energy Star program will help save homeowners more than $270 million this year on their utility bills, while avoiding greenhouse gas emissions equivalent to those from 370,000 vehicles. Since inception, the Energy Star program has saved Americans more than $1.2 billion on their energy bills, and reduced greenhouse gas emissions by 22 billion pounds.

Over a million homes in the United States have now been given the Energy Star label, with the  most number in Houston, Texas (144,000); Dallas-Fort Worth, Texas (103,000); and Las Vegas, Nevada (80,000).

“This is an amazing achievement for the Energy Star program – but the real winners are the 1 million American families who have the chance to save money and keep harmful pollution out of the air. That’s great news for anyone who wants to cut costs and protect our planet,” said EPA Administrator Lisa P. Jackson.

“We’re going to keep the number of Energy Star homes growing, because every new Energy Star home is a step towards lower costs, cleaner air, and communities that are environmentally and economically sustainable.  We’re giving everyday American homebuyers the power to lower their bills and join the fight against climate change.”

There are more than 6,500 builders across the nation currently building homes that earn the Energy Star label. Qualified new homes can be found in every state within the United States.

One of our friendly agents will contact you shortly.

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