Summer 2009 Update

It has been quite a while since I have posted. 2009 is proving to be a very interesting year in the custom home building business. We are currently working on two custom home projects with a few others on the radar.

The biggest hurdle I am seeing for many people wanting to build a custom home is in the area of lending. If you're paying with cash as some are (and they are getting some good deals) then lending is not an issue. For those that are looking for a construction-to-permanent loan, we are seeing banks that used to require 5% down now requiring 25% down. And some are requiring that a person's existing home be sold before a construction loan can be opened - and for good reason as we've learned in the past several months.

So, this post is primarily to let anyone that is reading know that Master Plan Homes is still building custom homes and we're looking forward to what the rest of 2009 holds.

Here is a picture clue of one of the projects we're working on right now. Its a first for us...


Any guesses?

Interior Trim Work - Part 2

Some additional pictures of an elaborate trim package being installed in one of our custom homes...

Interior Trim Work

Interior trim work is often one of the areas in custom home building where the custom attributes really come to life. From baseboards to crown molding to door/window casings to mantles to built-in bookcases to cubbies to coffered ceilings etc. The possibilities, combinations, and material choices are countless.

Pictures of trim work in a magazine or a friend's house can be used as a starting point of what you're looking for. The trim carpenter can then draw ideas right on the wall for a custom design that suits your preferences.



Wainscotting can be used in rooms that you want dressed up.


It truly is amazing how trim work can transform a room - and even a ceiling!

Custom interior trim work is also a great way to maximize the space you have to work with.

We have worked with several trim carpenters in the Columbia and Lexington areas. Some of them truly can be artists... That is one of the great things about a custom home: you get to choose what makes it unique and yours. And this is certainly true in the area of interior trim work.

Home Plans and the Home Planning Process

While the spring and summer are usually the busiest time of year for new homes to get started, the fall and winter are a great time to start the home planning process. Many people are overwhelmed with the number of choices that go into a new home and the array of possibilities for their custom home plans. The more preparation you do on the front end, the easier the process can be.


Your lot may provide multiple layout options. Perhaps you can make the most of a sloped lot by planning for a basement home. This works very well on sloped lake lots to increase views to the water. Then there are various styles to consider: craftsman, ranch, traditional, colonial, cottage, courtyard, etc. I am drawing house plans and would be glad to work with you to create your own custom home plan. My plans include elevations, floor plans, roof plan, foundation plan, electrical plan, and even 3-dimensional views and renderings. We can also save time by sending revisions out as PDF files for your review. This allows me to not only work with locals of the Columbia and Lexington SC areas, but also with individuals in other cities and states. Drop me a line if you want additional information.

For a smooth construction process, we encourage homeowners to make as many building selections as they can before construction even begins. This includes everything from brick & mortar choices all the way to towel bars in the bathrooms and everything in between. You might be surprised at just how many selections are available and some of them take time to make a decision on. Do these early and the actual construction process will feel more stress free.

Also, if you're considering going green, the best time to make that decision is before you ever break ground or get home plans. As a Certified Green Professional, I can help educate you on what makes a home and the home construction process green.

So if 2009 is going to be the year of your new home, consider beginning the planning process before 2008 ends. Of course I would prefer that you also consider Master Plan Homes for your house plans and/or as your builder of choice. But whichever route you choose, I'd still be happy to talk with you about it.

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Green Day at the Parade

October 29th was Green Day at the Greater Columbia Parade of Homes at Saluda River Club. There were two presentations with Green Council Chairman Mark Bostic and program verifier Joseph Gilmore. I attended the first presentation before volunteering at the parade's ticket gate.

Mark shared how the NAHB's green program is comprised of seven areas based on a points system. Then Joe spent a good bit of time on the areas of energy efficiency and indoor air quality. Topics included radiant barrier roof sheathing, foam insulation, insulating the roof on an attic instead of the attic's floor, using low-VOC paints & carpets, Energy Star lighting & appliances, tankless hot water heaters, blower-door testing, etc.

Five of the six homes in the parade are seeking green certification under the locally adopted green program. If you are considering building a new home and would like to know more about what it takes to be "green", let me know and I'll be glad to share what I've learned about it this year.

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2008 Parade of Homes

Last night I had the opportunity of attending the Preview Party of the Parade of Homes at the Saluda River Club presented by the local HBA. The parade officially opens tomorrow and runs through November 2. There are six fully-furnished and decorated homes open for tours. As usual in a parade of homes, there were some "over the top" features including a water closet with its own tv and a dedicated massage room.

The Parade is a great place to get ideas on home layouts, built-in features, interior design, landscaping, etc. I was looking for more green building materials and practices (since 5 of the 6 homes were obtaining the local Green Council's certification) but they didn't appear to be blatantly spelled out. In a way, its a good thing for people to see that green built homes don't have to look odd or futuristic. However, I think it would have also been good to highlight what makes the homes green. To give the Parade credit, they are hosting a "Green Day at the Parade" on October 29 where they will be presenting the green features of the homes.

I hope you get the chance to attend the Parade of Homes this year. And feel free to share your comments about it here if you'd like. I'll be at the ticket gate on October 29 from 2:30 to 7:00pm so maybe I'll see you there!

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Are Columbia and Lexington banks still lending for new construction?

In light of the current national and global economic issues, there seems to be some confusion out there about whether or not banks are still lending money. To find an answer to this question for the Columbia and Lexington SC areas, I decided to ask my friend and associate Todd Mitcham at BB&T Mortgage. I found his response refreshing and contrary to much of what we're hearing in the media or on the national level. So I'd like to share what Todd said here:

"We are still lending money the same as we always have. On construction loans we still do 95% loans and we still base the value off of the appraised value and not the cost (so if it appraises for more than the cost as it often does we give the client "free" equity). So, nothing has
changed.

The problem is that I've got no one asking for any loans. It is not that we aren't loaning - it is that no one is borrowing. However, I wonder if no one is borrowing because they think we are not loaning."

And I am wondering the same thing. But if you've read this, you now know that there are banking institutions right here in the Columbia and Lexington SC area that are lending money for qualified borrowers. Todd Mitcham of BB&T Mortgage is one that I would recommend. He has been in the mortgage lending business since 1992 and he has provided great service to many of our custom home clients. Todd can be reached at 803-251-1404 or by email.

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