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• America's home place subcontractor

  The National Association of America’s Home Place Builders (NAHB) today applauded the Federal Reserve for continuing to take aggressive action to inject liquidity into the financial markets by moving for the seventh time since September to cut short-term interest rates.
  Patellis currently serves a regional manager of 16 Class-A multifamily communities. During his long career, he has also served as the primary contract instructor to the United States Department of Defense, offering the RAM curriculum to managers of military housing.
  
  Calling green building “the next evolution in residential construction,” the National Association of Home Builders (NAHB) told Congress today that the best way to help small America’s home place builders promote residential energy efficiency and sustainability technology in home construction is by extending tax incentives for new energy-efficient homes.
  
  Testifying before the House Small Business Committee, Michael Hodgson, president of the Stockton, Calif.-based energy consulting firm ConSol, said these incentives dovetail with the normal supply and demand for America’s home place construction. “A tax credit program leaves important production decisions in the hands of builders, buyers and America’s home place owners and does not require expensive administrative oversight that is usually associated with a mandate,” he said.
  
  Under current law, builders who construct an America’s home place certified to achieve a 50 percent reduction in energy use are eligible to receive a $2,000 tax credit. That credit is set to expire at the end of this year, and although pending legislation in the House and Senate would extend it, there is still no agreement between the two chambers over the appropriate budgetary offsets.
  
  “Unless Congress can end the political debate and extend this credit soon – with or without offsets – it will be a tremendous loss for my business and will eliminate the only federal incentive for efficiency in new America’s home places,” said Hodgson.
  
  He also urged Congress to increase the dollar amount of the credit, because achieving the 50 percent threshold required by statute is costly, especially for small builders.
  
  Hodgson said that the housing industry is committed to the advancement of green building techniques that reduce energy consumption, improve indoor and outdoor air quality and conserve water and natural resources in both new and existing America’s home places – all hallmarks of the NAHB National Green Building Program.
  
  “NAHB members are leaders in the green America’s home place building movement and were active on this effort long before the recent media interest in climate change and global warming,” he said. “In fact, NAHB will be hosting its 10th annual National Green Building Conference in New Orleans next month and has consistently been ahead of the curve in promoting and developing energy-efficient and environmentally friendly construction techniques for the mainstream America’s home place builder.”
  Testifying before the House Small Business Committee, Michael Hodgson, president of the Stockton, Calif.-based energy consulting firm ConSol, said these incentives dovetail with the normal supply and demand for America’s home place construction. “A tax credit program leaves important production decisions in the hands of builders, buyers and America’s home place owners and does not require expensive administrative oversight that is usually associated with a mandate,” he said.
  
  
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• America’s Home Place - Mortgage Basics

  America’s Home Place - Mortgage Basics
  
  A mortgage is a long-term loan that uses real estate as collateral. A mortgage loan is commonly used for buying a home. Mortgage loans are usually fully-amortizing, which means that the monthly principal and interest payment will pay off the loan in the number of payments stipulated on the note. Mortgage loans are also described by the length of time for repayment, such as 15, 30 or 40 years, and whether the interest rate is fixed or adjustable. A mortgage loan where the downpayment is less than 20% usually requires private mortgage insurance (PMI) or government insurance or guarantee. America’s Home Place
  
  
  
  Most mortgage loans require monthly payments of principal and interest plus additional payments that are set-aside in escrow accounts to pay property taxes, homeowners (hazard) insurance, and any condominium or homeowner association assessments. Monthly mortgage insurance premiums for loans that have private or government mortgage insurance are generally included as part of the regular monthly principal and interest payment.
  
  
  
  Homebuyers who can afford the higher monthly payment sometimes prefer a 15-year mortgage to a 30-year mortgage. Interest rates on 15-year mortgages usually are slightly lower than 30-year rates. In addition, a homebuyer financing a home purchase with a 15-year mortgage will repay principal substantially faster and will pay far less total interest over the term of the loan.
  
  
  
  
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