Nail Down Your Next Home Loan! - Home Builders Association of

Transcription

Nail Down Your Next
Home Loan!
Rehab Loans
Construction Loans
Rental Loans
fcbbanks.com
Divisions of First Collinsville Bank NMLS #418466/ First County Bank NMLS #420258
Page 2
2016 HBA Homeowners’ Resource Guide
EAGLE
FLOORING
www.EagleFlooringOutlet.net
(618) 236-1300
2501 North Illinois, Swansea, IL
www.hbaswil.org
ADVERTISING GUIDE
1st National Bank of Waterloo
pg 14
Arrowhead
pg 26
AUTCOhome Appliances
pg 5
Chesley Fence
pg 12
CMI Construction
pg 5
Copious Technologies
pg 11
Eagle Flooring
pg 2
FCB Banks/FirstCo Mortgage
pg 1
First Clover Leaf Bank
pg 16
Fischer Lumber
pg 10
Fulford Home Remodeling
pg 24
Garrett E. & Herschel E. Johnson
Real Estate & Development
pg 27
Gershman Mortgage
pg 14
Helitech Waterproofing
& Foundation Repair
pg 19
Homes by Deesign
Jacob Sunrooms, Exteriors and Baths
Joe Lanahan Construction
Services, Inc.
pg 6
pg 25
LifeStyle Kitchens & Baths
pg 11
Light Brite Distrubuting
pg 17
McBride & Son Homes
pg 9
National Bank
pg 32
New American Funding
pg 17
R.P. Lumber
About The HBA
Our Mission:
To be the Voice of the Homebuilding and Remodeling
Industry in Southwest Illinois.
The Home Builders Association (HBA) of Greater
Southwest Illinois is an organization made up of firms in
the building industry that includes builders, remodelers,
developers, and associated businesses. The association
serves the Bond, Calhoun, Clinton, Greene, Jersey,
Madison, Monroe, Randolph, and St. Clair counties.
This Association is dedicated to improving the local
housing industry through legislation, education and
services for the benefit of our members and local
communities.
The HBA office is located at:
6100 West Main Street, Maryville, Ill. 62062
(618) 343-6331 (office); (618) 343-6335 (fax)
www.hbaswil.org
pg 7
pg 12
J.T. McDermott Remodeling
Contractors
Padgett Building & Remodeling
Page 3
pg 6 & 24
pg 10, 13, 20, 26 & 28
S&S Drywall
pg 13
TheBANK of Edwardsville
pg 7
Village of Shiloh
pg 31
Wells Fargo Home Mortgage
pg 3
Wilke Window & Door
pg 28
Yaekel & Associates Insurance
pg 20
Private Mortgage Banking
Enjoy peace of mind
when building your new home
You’ve got enough on your mind while building a home
without worrying about the changing financial market.
With the Builder Best® Extended Rate Lock program, buyers
can lock in rates up to 24 months. A non-refundable extended
lock fee is required1
For more information contact us today.
Mindy Shafer
Cell: 618-696-9635
[email protected]
www.wfhm.com/mindy-shafer
NMLSR ID 400429
Jessica Waeltz
Cell: 618-960-6043
[email protected]
NMLSR ID 448533
1. If the property appraisal report does not satisfy the Lender’s requirements or the Lender
denies the application as not creditworthy, the extended lock fee is refundable. In all other
events, the extended lock fee is non-refundable.
The extended lock fee is based on the lock period and the rate lock option that is selected.
The program is allowed with qualified products with lock features ranging up to 24 months.
Information is accurate as of the date of printing and is subject to change without
notice. Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A.
© 2012 Wells Fargo Bank, N.A. All rights reserved. NMLSR ID 399801.
AS1529279 Expires 02/2016
Page 4
ACCOUNTING SERVICES
Diel & Forguson Financial Group
(618) 632-7574
It is a sure way for you to handicap y
www.dielforguson.com
our choice of a Builder or Remodeler
ALARM /SECURITY SYSTEMS/CABLE LOW VOLTAGE
C.A.V.I. Custom Audio & Video Installations, Inc. (618) 667-8777
www.caviwiring.com
When a homeowner does business with a member of the
(888) 926-7468
Home Builders Association of Greater Southwest Illinois, there
www.copioustech.com
See our ad on page 11
are many benefits.
PASS Security
(618) 394-1144
www.passsecurity.com
Each member subscribes to a code of ethics. That means the
APPLIANCES
builder, remodeler or associate member is not just doing a job, AUTCOhome
Appliances
(636) 349-4946
but also honoring a commitment to the customer, the
www.autcohome.com
See our ad on next page
community, the nation and colleagues in the industry.
Klein`s Brand Source
(618) 397-1216
www.brandsource.com
The Appliance Discounters
(618) 397-1216
Each assumes his or her responsibility as a member and
www.theappliancediscounters.com
supports other members of the local Home Builders
ATTORNEY
Association, the statewide Home Builders Association of
Sandberg Phoenix & von Gontard P.C.
(618) 397-2721
Illinois and the National Association of Home Builders.
www.sandbergphoenix.com
Specifically, members are dedicated to honesty, high standards AUDIO/VIDEO SYSTEMS
C.A.V.I. Custom Audio & Video Installations, Inc. (618) 667-8777
and fair dealing. Their goal is that every home purchaser
www.caviwiring.com
receives the greatest value for every dollar.
(888) 926-7468
www.copioustech.com
Members believe that homeownership should be within the
MDB Electric, Inc.
(618) 667-0177
reach of every family. They are dedicated to building homes
www.mdbelectronics.com
PASS Security
(618) 394-1144
that are well designed, well constructed and well located in
www.passsecurity.com
attractive communities.
WHY A CODE OF ETHICS?
Members also are forward looking, encouraging research into
new materials, techniques and equipment that may improve
home building and home financing.
The association and its members are committed to support
sound legislative proposals affecting home construction and
home ownership, and are firmly committed to the principle that
homes should be built by balancing affordability and regulation.
Members also share information with the public on legislation
and regulation that may impact home ownership, affordability
and other issues of importance to local communities.
Members are committed to following all legal requirements for
the industry.
The code of ethics establishes obligations that may be higher
than mandated by state, local and federal law.
For more information, please visit the association website at
www.hbaswil.org.
Chris Jones, President
Home Builders Association
of Greater Southwest IL
BOTTLE WATER SERVICE
Wade Sales and Services, Inc.
(618) 654-7409
www.wadesalesandservice.com
BRICK PRODUCTS
Midwest Block & Brick
(618) 939-7600
www.midwestblock.com
BUILDER - GENERAL CONTRACTOR
Barnes Properties, Inc.
(618) 236-2065
www.barnespropertiesinc.com
Brennan Building & Remodeling
(618) 691-9121
C. A. Jones, Inc.
www.cajonesinc.com
Carrington Homes
www.livecarrington.com
CMG Custom Construction
www.callcmg.com
CMI Construction
www.cmibuilders.com
D & F Contracting & Consulting, Inc.
www.dfcontracting.com
E.A. Knight Construction
www.eaknightbuilder.com
Faber Contracting
www.callcmg.com
Fred J. Engel Company Builder
Fulford Construction, Inc.
www.fulfordhomeremodeling.com
Fulford Homes
www.fulfordhomes.com
(618) 939-7927
(618) 779-4919
(618) 667-3979
(618) 235-5050
(618) 234-8558
(618) 985-3000
(618) 667-3979
(618) 233-5650
(618) 235-4300
(618) 632-5779
www.hbaswil.org
Ask about our
Manufacturers’
Rebates and
Discounts
Page 5
Appliances
Please Contact
Art Stumpf
Cell: (314) 308-3225
Office: (636) 349-4946
Fax: (636) 349-6844
Email: [email protected]
www.autcohome.com
We Match All Competitive Pricing
We Have the Most
Knowledgeable Sales Staff in
the Appliance Industry
Stop in and See Our New Showroom
Appliances
1694 Larkin Williams Rd.
Fenton, MO 63026
30 YEARS OF CRAFTSMANSHIP
• Custom New Homes
• Finished Basements
• Kitchen-Bath Remodel
• #1 Energy Star Builder
• Rated Best In Quality
and Energy Efficiency
618-580-5025
Coy Mullenix, Builder/Owner
Crafted by Union Carpenters
Page 6
BUILDER - GENERAL CONTRACTOR (CONTINUED)
Real Estate & Development Co.
(618) 476-7444
www.johnsondevelopers.com
Heartland Homes
(618) 281-5999
www.heartlandhomes.com
Homes By Deesign, Inc.
(618) 257-1512
www.homesbydeesign.com
Huntington Chase Corp.
(618) 624-3250
www.huntingtonchasehomes.com
J. Decker Homes
(314) 226-8232
JLP Homes
(618) 939-4638
www.jlphomes.com
Joe Lanahan Construction Services, Inc.
(618) 667-2209
See our ad on this page
Kappert Construction Company, Inc.
www.kappertconstruction.com
L F & Son Construction
www.lfandson.com
L.D.C. Homes
[email protected]
The Padgett Tradition in Custom Homes
Having been in business for 23 years, Don and Ron
Padgett learned the trade hands-on from their father.
We pride
ourselves on
quality and
craftsmanship
offering a
professional
experience from
customers that
demand it.
www.PadgettBuilding.com
Office: (618) 236-7073
Fax: (618) 236-9474
4200 Smelting Works Rd.
Swansea, IL 62226
Lantz Homes, Inc.
www.lantzhomes.com
McBride & Son Construction, Inc.
www.mcbridehomes.com
New Tradition Homes
www.New-TraditionHomes.com
Oasis Construction
http://ociroof.com
Otten Contracting, Inc.
http://ottencontracting.com
Padgett Building & Remodeling Co., Inc.
www.padgettbuilding.com
Quantum Homes
http://dev.quantumhomes.biz
Remington Properties
www.remingtonproperties.net
Scott Harris Construction
www.scottharrisconstruction.com
Spencer Homes
www.spencerhomes.com
Thiems Construction Company
(618) 566-3508
(618) 622-3455
(618) 779-0559
(618) 656-3346
(636) 537-2000
(618) 248-1405
(618) 667-1966
(618) 768-4289
(618) 236-7073
(618) 779-2828
(618) 205-3236
(618) 973-7943
(618) 659-0217
(618) 656-1426
Throm Construction Co., Inc.
(618) 345-8615
www.thromconstruction.com
Vogt Builders, Inc.
(618) 939-8016
www.vogtbuilders.com
Wasem Construction, Div of G&S Foundry (618) 282-4114
www.gsfoundry.com
BUILDING MATERIALS
ABC Supply Company, Inc.
(618) 345-1500
www.abcsupply.com
Arrowhead Building Supply, Inc.
(618) 233-3278
www.arrowheadbuildingsupply.com See our ad on page 26
CertainTeed Corporation
(314) 378-0120
www.certainteed.com
www.hbaswil.org
618-257-1512
homesbydeesign.com
[email protected]
Watch our exclusive videos
on our building process.
Visit our website at
HomesByDeesign.com
Page 7
We Build Homes!
not houses
Homes By Deesign, Inc. builds homes with uncompromising quality,
using experienced skilled craftsman and superior materials.
Local building communities include Mascoutah, O’Fallon, Belleville,
Shiloh, Smithton, Millstadt, Red Bud, Columbia and Lebanon.
Castle Pines
Brickyards
Indian Spring
Swansea - off Smelting Works Rd.
From the $290’s
Mascoutah – South edge of town
From the $190’s
Shiloh – located off Greenmount Rd
From the $225’s
QUALITY HOMES DO NOT HAPPEN BY CHANCE. THEY HAPPEN BY DEESIGN!
Page 8
In good times or bad, there is one constant:
Homeownership remains the American Dream
for millions of families. And there are many
reasons why, both economic and emotional.
Yet a home is so much more than an
investment. In good times and in bad, the
opportunity to own a home has been a
cherished ideal and a source of pride,
accomplishment, social stability and peace of
Most Americans consider homeownership to be mind.
their single best long-term investment and a
primary source of their wealth and financial
Homeownership strengthens communities as
security. Generations of families have counted well as families.
on and used the equity in their homes for their
children’s education, their own retirement and
Home building increases the property tax base
other milestone expenses.
that supports local schools and communities.
When a family owns their home, it is an asset
Individual household budgets are helped by tax that has a direct impact on their financial
incentives that are designed to make owning a security and future. People are more likely to
home more affordable. Deductions for mortgage take care of things they own so they remain
interest and property taxes can result in
valuable. And a home’s value is determined by
thousands of dollars of tax savings, especially in how well it is maintained as well as by the
the early years of the mortgage when interest
condition of the neighborhood it is located in.
makes up most of the payment. Home owners
save nearly $100 billion annually on mortgage
interest and property deductions alone.
And when home owners sell their primary
residence, they get an enormous tax break. A
couple who owns and lives in their home for two
years and then decides to sell can keep up to
$500,000 of the profit tax-free, and a single
owner can keep $250,000.
A healthy housing industry means more jobs
and a stronger U.S. economy. In fact, fully 15
percent of the U.S. economy relies on housing.
Homeownership builds stronger
communities, provides a solid foundation
for family and personal achievement and
improves the quality of life for millions of
people. The Bipartisan Policy Center's
Housing Commission has said that
homeownership can "produce powerful
economic, social, and civic benefits that
serve the individual home owner, the
larger community and the nation."
Most of the products used in home construction
and remodeling are manufactured in the United
States. Constructing 100 new homes creates
more than 300 full-time jobs, $23.1 million in
wage and business income and $8.9 million in
federal, state and local tax revenue. New home
owners spend money on decorations and
furnishings, to enhance the landscaping and to
To learn more about homeownership, contact
become members of the community by
the Home Builders Association of Greater
patronizing local businesses and service
Southwest Illinois by visiting www.hbaswil.org or
providers.
call 618-343-6331.
www.hbaswil.org
Page 9
Page 10
BUILDING MATERIALS (CONTINUED)
Fischer Lumber Company
www.fischerlumber.com
L S Building Products
www.ls-usa.com
Liese Lumber Company, Inc.
www.lieselumber.com
Mattingly Lumber & Millwork, Inc.
www.mattinglylumber.com
Menard’s
www.menards.com
Negwer Materials, Inc.
www.negwer.com
Norm`s Bargain Barn
www.normsbargainbarn.com
ProBuild
www.ProBuild.com
R. P. Lumber Co., Inc.
www.rplumber.com
Superior Home Products
www.suphome.com
Wilke Window & Door Company, Inc.
www.wilkewindow.com
Windoor Company, Inc.
www.windooronline.com
CABINETS
J.T. McDermott Remodeling Contractors
www.mcdermottremodeling.com
www.lifestylekitchens.net
Menard’s
www.menards.com
Mill Hollow LLC
Custom Designs
Free Estimates
Great Selection
Best Prices
Best Service
R.P.
LUMBER
SM
BEST SERVICE
Norm`s Bargain Barn
www.rplumber.com
CABINET REFACING
J. T. McDermott Remodeling Contractors
www.mcdermottremodeling.com
CARPENTRY
Carpenters’ Regional Council
www.carpdc.com
J. Decker Homes
Kreitner Construction Company
www.kreitnerconstruction.com
L.D.C. Homes
Lauber Construction, LLC
www.lauberllc.com
(618) 259-7434
(618) 931-0315
(618) 234-0105
(636) 343-3877
(618) 206-5116
(314) 522-0579
(618) 632-3500
(618) 526-7218
(618) 656-1514
(636) 332-9040
(618) 624-5400
(618) 236-7766
(618) 259-7434
(618) 397-8701
(618) 624-1200
(618) 206-5116
(618) 677-2222
(618) 632-3500
(618) 656-1514
(618) 236-7766
(618) 397-8701
(314) 644-4800
(314) 226-8232
(618) 228-7821
(618) 779-0559
(618) 667-7500
(636) 343-3877
CARPENTRY (CONTINUED)
Mill Hollow LLC
(618) 677-2222
(618) 768-4289
www.ottencontracting.com
CARPET CLEANING
Midwest Carpet and Duct Cleaning
(618) 910-8376
www.midwestcarpetcleaningplus.com
CHAMBER OF COMMERCE
Collinsville Chamber of Commerce
(618) 344-2884
CLEANING & JANITORIAL SERVICES
Absolute Specialty Services, Inc.
(618) 920-1892
CLOSET INTERIORS
Closet Factory
(314) 961-4300
www.closetfactory.com
Henges Interiors
(618) 206-3604
http://henges.com
Martin Glass Company
(618) 277-1946
www.martinglass.net
(636) 332-9040
www.suphome.com
CONCRETE CONTRACTORS
Champion Waterproofing, Inc.
(800) 653-2765
www.champion-waterproofing.com
Gillihan Concrete, Inc.
(618) 565-4990
www.gillihanconcrete.com
Helitech - Waterproofing & Structural Repair (618) 235-5595
www.helitechonline.com
(618) 397-8701
www.mcdermottremodeling.com See our ad on page 25
Kreitner Construction Company
www.kreitnerconstruction.com
www.ottencontracting.com
Unique Crete of Illinois
www.uniquecreteofil.com
CONCRETE SUPPLIER
Red-E-Mix, LLC
www.redemix.com
CONSTRUCTION DEBRIS REMOVAL
L. W. Contractors, Inc.
www.lwcontractors.com
COOKWARE
Kitchen Craft/Lustre Craft
www.cookforlife.com
COUNTERTOPS
Custom Marble, Inc.
www.custommarble.net
Hallmark Stone
www.hallmarkstone.com
K&D Countertops
www.countertopsstl.com
Menard’s
www.menards.com
dream
www.hbaswil.org
Page 11
create. transform. revive.
Discover the beauty of your signature design in fine cabinetry, world-class style
and the art of hand-applied, furniture-quality finishes and old world glazes.
Dealer Logo
Dealer info here
• TWO large showrooms in Shiloh, IL and Fenton, MO
• SIX professional designers available to assist you
• FREE computer aided design services
• FREE home site measures and estimates
3500 Lebanon Avenue
Shiloh, IL 62221
618-624-1200
LifestyleKitchens.net
(618) 228-7831
(618) 768-4289
(618) 691-9816
(618) 654-2166
Need Computer/Electronics Help?
We are Not GEEKS
We are Professionals with Integrity
Call Us if You Have a Problem, But Call Us to
Avoid One!
Providing Consumer/Businesses the Computer
Support they need at a Price they Like
Is Your PC Infected?
Symptoms:
 Running Slow
 Can’t get on
Internet
 Not getting
Updates
(618) 344-6353
(352) 483-7600
(618) 476-1345
(800) 471-3939
(618) 224-9630
(618) 624-1200
(618) 206-5116
Call, Email or Online
Tel: 618-623-0266
[email protected]
www.copioustech.com
Don’t Let Technology Be A Burden
Page 12
COUNTERTOPS (CONTINUED)
www.rplumber.com
www.suphome.com
CRANE RENTAL/SERVICES
Allen Roofing & Siding Company
www.aroofing.net
Rehkemper and Son Building Components
www.rehkempers.com
DOORS
(618) 345-1500
www.abcsupply.com
(636) 332-9040
Electro Door Systems, Inc.
(618) 398-8708
www.electrodoorsystems.com
(618) 259-7434
(636) 391-0998
(636) 343-3877
(618) 526-2269
Menard’s
(618) 206-5116
DECKS & PATIOS / SUN ROOMS
www.menards.com
C. A. Jones, Inc.
(618) 939-7927
Norm`s Bargain Barn
(618) 632-3500
www.cajonesinc.com
Chesley Fence Company, Inc.
(618) 236-2229
(314) 781-5200
www.chesleyfence.com
See our ad on this page Overhead Door of Southwest Illinois
www.overheaddoorstlouis.com
Fence & Deck Depot, Inc
(618) 235-1190
(618) 656-1514
www.fencedepotco.com
www.rplumber.com
(618) 235-4300
(618) 538-7889
www.fulfordhomeremodeling.com See our ad on page 24 Thermo-Door Company
J. T. McDermott Remodeling Contractors (618) 397-8701
(618) 624-5400
See our ad on page 11 & 28
www.wilkewindow.com
Jacob Sunrooms, Exteriors & Baths
(618) 397-4391
(618) 236-7766
www.jacobsunroom.com
Klemme Construction Services
(618) 476-1126
DRYWALL CONTRACTORS
www.klemmeco.com
Drake Construction
(618) 222-2829
www.drakeconstructionllc.com
(618) 667-7500
www.lauberllc.com
(618) 397-8701
Srogus Construction, Inc.
(618) 473-2527
www.srogusconstruction.com
(618) 656-1514
NOW IN OUR 49th YEAR
V
420 isit o
0 N ur S
. Il how
lin
ois room
,S
wa at
nse
a
618-397-4391
314-241-3751
236-2229
Quality Material
& Installation Competitive Pricing
www.JacobExteriors.com
www.ConvertMyBathtub.com
9723 W. State Rte. 161
Fairview Heights
(across from MetroLink)
Sunrooms • Windows • Baths • Exteriors
0%
Financing for
Those Who Qualify
(see store for details)
CALL NOW FOR
FENCE & DECK
SPECIALS
www.hbaswil.org
R.P.
LUMBER
BEST SERVICE
SM
Masonite is one of the world’s
leading manufacturers of
interior doors and entry door
systems.
Exceptional Quality
Extensive Selection
Experienced Staff
Easy Installation
Page 13
DRYWALL CONTRACTORS (CONTINUED
John Bender, Inc.
(314) 426-3785
www.johnbenderinc.com
S & S Drywall Inc.
(618) 808-0032
www.snsdrywall.net
(618) 473-2527
DRYWALL SUPPLIERS
P & A Drywall Supply
(800) 211-4728
www.pasupplies.com
RM Supply, Inc.
(636) 332-8115
www.rmsupply.com
DUCT CLEANING
(618) 910-8376
ELECTRICAL CONTRACTORS
CMC Electric
(618) 345-2008
www.cmcelectricinc.com
MDB Electric, Inc.
(618) 667-0177
www.mdbelectronics.com
MorMat Electrical & Construction Services (618) 670-9381
www.mormatelectrical.com
O'Fallon Electric Company
(618) 632-3577
SunWise Electric & Solar, Inc.
(618) 772-9101
Troy Electric Supply
(618) 667-3411
ELECTRICAL SUPPLIER
Menard’s
(618) 206-5116
(618) 667-3411
Page 14
ENERGY EFFICIENCY PROGRAMS / HERS RATER
ActOnEnergy
(866) 838-6918
www.actonenergy.com
Goley, Inc.
(618) 286-3355
www.goleyinc.com
Greener Visions
(618) 540-8030
www.greener-visions.com
Henges Interiors
(618) 206-3604
http://henges.com
Missouri Botanical Gardens EarthWays Center (314) 577-0220
www.earthwayscenter.org
ENGINEERS
SCI Engineering
(618) 624-6969
www.sciengineering.com
Thouvenot, Wade & Moerchen, Inc.
(618) 624-4488
www.twm-inc.com
EPOXY
(618) 691-9816
EROSION CONTROL
(618) 344-6353
EXCAVATION CONTRACTORS
Christ Truck Service, Inc.
(618) 537-2081
L. W. Contractors
(618) 344-6353
Ron Woods Excavating, Inc.
(618) 779-7200
www.ronwoodsexcavating.com
FENCING MATERIALS & CONTRACTORS
Chesley Fence Company, Inc.
(618) 236-2229
Fence & Deck Depot, Inc
(618) 235-1190
www.fencedepotco.com
Menard’s
(618) 206-5116
www.menards.com
Norm`s Bargain Barn
(618) 632-3500
(618) 656-1514
www.rplumber.com
Trost Plastics, Inc.
(618) 939-9696
www.trostplastics.com
FINANCIAL SERVICES & MORTGAGE BROKERS
1st National Bank of Waterloo
(618) 939-6194
www.fnbwaterloo.com
Associated Bank
(618) 622-4208
www.associatedbank.com/jheberer
BMO Harris Bank
(618) 240-2032
www.bmoharris.com/cwitzke
BOS - Bank of Springfield
www.bankwithbos.com
(618) 288-4407
BOS - Bank of Springfield
www.bankwithbos.com
(618) 310-2555
Central Bank of St. Louis
www.centralbankstl.com
(314) 835-3744
Commerce Bank
(618) 222-6608
Building, Buying,
Refinancing or
Remodeling a House?
Call Us First!
Offering Excellence in
Service, Programs,
Convenience
and Performance
Deborah M. Carpenter
Vice President
618-222-1300
618-973-8475
[email protected]
www.gershman.com
630 Pierce Blvd., Suite 100, O’Fallon, IL 62269
Illinois Residential Mortgage Licensee
Company NMLS #138063
Deborah Carpenter NMLS #231563
www.hbaswil.org
National Association of Home Builders
Homeownership
is the Foundation of the
American Dream.
Owning your home
means owning
your future.
It’s where you raise
your family, create
strong communities,
and build a sense
of stability and
accomplishment.
www.nahb.org
Learn more about buying and owning a home at nahb.org/timetobuy.
Page 15
Page 16
Build Your Dream...
with a home mortgage from First Clover Leaf Bank
Call one of our home loan specialists or apply online at
Scott B. Gruber
Cell: 618.978.2433
NMLS ID: 466924
Marc E. Kamp
Cell: 618.972.4423
NMLS ID: 400488
Cell: 618.781.9966
NMLS ID: 524249
www.hbaswil.org
Page 17
Veterans United Home Loans
(618) 746-4699
FCB Banks
(618) 239-9000
www.stlouisvaloans.com
www.fcbbanks.com
See our ad on front cover
(877) 742-3377
Firstco Mortgage
(618) 624-9800
www.wfhm.com/mindy-shafer
www.firstcomortgage.com
(618) 622-2877
First Clover Leaf Bank
(618) 656-6122
www.wfhm.com/loans/cherity-freeze
www.firstcloverleaf.com
(618) 622-2871
Gershman Mortgage
(618) 222-1300
www.wfhm.com/loans/shelly-leffler
www.gershman.com
See our ad on page14
FIRE / WATER / MOLD RESTORATION
National Bank
(618) 656-5804
(618) 910-8376
www.national-bank.com
See our ad on back cover
New American Funding
(651) 551-0787
FIREPLACES
www.newamericanfunding.com
See our ad on this page Forshaw of Illinois
(618) 206-3602
www.forshaws.com
Providence Bank
(618) 234-9500
Light Brite Distributing
(618) 224-7314
www.myprovidencebank.com
www.lightbrite.com
Regions Bank
(618) 236-6065
Menard’s
(618) 206-5116
www.regions.com
www.menards.com
Regions Mortgage
(618) 234-7111
The Fireplace Store & More
(618) 498-3902
Www.regionsmortgage.com/carasrogus
www.thefireplacestoreandmore.com
Scott Credit Union
(618) 632-1111
FLOORING PRODUCTS & CONTRACTORS
www.scu.org
Ambassador Floor Co.
(636) 728-1600
State Bank of Waterloo
(618) 939-7194
www.ambassadorfloor.com
Custom Floors & More, Inc.
(618) 277-7233
www.statebankofwaterloo.com
www.customfloors.biz
TheBANK of Edwardsville
(618) 656-0057
Eagle Flooring
(618) 236-1300
www.4thebank.com
www.eagleflooringoutlet.net
Light Brite Distributing, Inc.
We provide an unparalleled level of customer
service, diverse products with great pricing and
the fastest average closing times in the industry.
Four Locations in Illinois
COLUMBIA
1003 N Main Street
Columbia, IL 62236
618-551-0784
EDWARDSVILLE
2 Club Centre Court
Edwardsville, IL 62025
618-374-3804
GODFREY
2724 Grovelin Street
Godfrey, IL 62035
618-467-5626
SWANSEA
221 West Pointe Drive
Swansea, IL 62226
618-509-5784
NMLS #6606. © NMLS ID #6606 New American Funding. New American and New American
Funding are registered trademarks of Broker Solutions, DBA New American Funding.
All Rights Reserved. Corporate Office is located 14511 Myford Road, Suite 100, Tustin CA 92780.
Phone (800) 450-2010. 12/2015.
Fireplaces & Lighting
(618) 224
224--7314 www.LightBrite.com
Page 18
Easy Ways to Increase Your Home’s Efficiency
Green building, where new homes are built using materials that conserve
energy and environmental resources, is one of the fastest-growing
segments of the home building industry today. But for the owners of the
millions of existing homes in the United States, remodeling is the only way
to incorporate green. The following suggestions can increase your home’s
efficiency, decrease costs, and take advantage of the other benefits that
green offers:
1. Install maximum insulation.
Forty percent of the energy consumed in a typical house goes to heating and cooling. Adding
insulation is an easy way to increase efficiency. Insulation is rated by its ability to resist heat
flow, known as “R-value.” The higher the R-value, the more effectively the insulation resists
heat flow. Adding insulation will help save energy costs, increase comfort by better controlling
temperature, and improve indoor air quality by eliminating gaps through which dirt, dust, and
other impurities can enter.
2. Install high-efficiency windows.
Ordinary window glass transmits ultraviolet heat rays from the sun, which can increase your air
conditioning bill dramatically. ENERGY STAR windows can help control this effect. These
windows may have two or more panes of glass, warm-edge spacers between the panes,
improved framing materials, and microscopically thin metal or metallic oxide layers deposited
on windows to reduce radiative heat flow.
3. Purchase ENERGY STAR-rated appliances.
ENERGY STAR -rated appliances, ranging from dishwashers and refrigerators to computers
and televisions, meet strict energy efficiency guidelines set by the EPA and U.S. Department of
Energy. Qualified refrigerators, dishwashers and vent fans incorporate advanced technologies
that use 10 to 50 percent less energy and water than standard models, more than making up
for the slightly higher cost of these products.
4. Upgrade to an ENERGY STAR-rated or tankless water heater.
Tankless water heaters provide hot water on demand at a preset temperature rather than
storing it. Replacing an electric water heater with a solar model can reduce costs by up to 80
percent a year. Over its 20-year lifespan a solar heater will prevent more than 50 tons of carbon
dioxide emissions. A low-cost option is to wrap insulation around your heater, which can reduce
standby heat loss by 25 to 45 percent.
5. Purchase the highest efficiency HVAC system you can afford.
Over a ten year period, the average home owner spends more than $10,000 for heating and
cooling. Installing high efficiency HVAC equipment can reduce costs on average by 10 to 30
percent over minimum efficiency equipment. It also can improve home comfort with better
heating and cooling and a quieter operation, and often features higher quality components that
result in longer equipment life.
For more information on green remodeling or building contact Home Builders Association of
Greater Southwest Illinois by visiting www.hbaswil.org or call us at 618-343-6331.
www.hbaswil.org
FLOORING PRODUCTS & CONTRACTORS (CONTINUED
Henges Interiors
(618) 206-3604
http://henges.com
McCullough's Flooring Enterprise
(618) 234-5005
www.mcculloughsflooring.com
Menard’s
(618) 206-5116
www.menards.com
(618) 656-1514
www.rplumber.com
(618) 691-9816
HVAC CONTRACTORS
Archway Cooling & Heating
www.archwaycooling.com
O’Fallon Belo Plumbing & Mechanical
www.belocooling.com
INDUSTRY REWARDS PROGRAM
Builders Club Rewards
www.buildersclub.com
Page 19
(618) 234-2810
(618) 632-5700
(800) 833-9098
INFORMATION TECHNOLOGY
(888) 926-7468
www.copioustech.com
FOUNDATION REPAIR
INSPECTIONS - RESIDENTIAL
(800) 653-2765
Code Enforcement Officials
(618) 654-7115
www.ceosi.org
See our ad on this page INSULATION CONTRACTORS
Goley, Inc.
(618) 286-3355
(618) 397-8701
www.goleyinc.com
Henges Interiors
(618) 206-3604
Rebel, Inc.
(618) 235-0582
http://henges.com
www.rebelinc.com
John Bender, Inc.
(314) 426-3785
Woods Basement Systems
(618) 344-2288
www.woodsbasementsystems.com
Kaskaskia Mechanical Insulation
(618) 768-4526
GARAGE DOORS
Rebel, Inc.
(618) 235-0582
Coach House Garages
(618) 259-1414
www.rebelinc.com
www.coachhousegarages.com
Electro Door Systems, Inc.
(618) 398-8708
www.electrodoorsystems.com
Thermo-Door Company
(618) 538-7889
GARAGES
Coach House Garages
(618) 259-1414
www.coachhousegarages.com
(618) 667-7500
www.lauberllc.com
Cracked Foundation? We can help.
GENERATORS
(618) 654-7409
GUTTER CONTRACTORS
(618) 343-1117
www.aroofing.net
ASAP Contracting & Roofing, LLC
(618) 939-8675
www.asapcontractingusa.com
Celebrating
Crown Roofing & Exteriors
(618) 588-5300
30 years of
WATERPROOFING &
healing homes.
Daech & Bauer Roofing
(618) 345-7475
FOUNDATION REPAIR
www.roof211.com
Germantown Seamless Guttering, Inc.
(618) 523-7130
» Basement Waterproofing
» Foundation Repair
www.gsgutters.com
(618) 397-8701
» Crawlspaces
» Wall Anchors
» Drainage Systems
» Piering
(618) 397-4391
» Mudjacking
» Crack Injections
American-made products.
HANDY MAN SERVICE
Free estimates, financing, & warranties.
(618) 397-4391
HelitechOnline.com
HARDWARE SUPPLIES
Menard’s
(618) 206-5116
St. Louis Area’s Waterproo ing & Foundation Repair Experts.
www.menards.com
Locally owned and operated.
(618) 656-1514
www.rplumber.com
Basement leaking?
800-246-9721
fi
Page 20
INSULATION PRODUCTS
www.abcsupply.com
Goley, Inc.
www.goleyinc.com
Henges Interiors
http://henges.com
Menard’s
www.menards.com
Negwer Materials, Inc.
www.negwer.com
www.rplumber.com
Rebel, Inc.
www.rebelinc.com
INSURANCE
Yaekel & Associates, Inc.
www.yaekelinsurance.com
ROXUL® insulation is stone woll,
which makes its sound absorbent.
Made of basalt lava rock and recycled
steel slag, ROXUL is much denser
than typical insulation, which helps
to reduce airborne sound
transmissions. ROXUL insulation not
only helps you save on energy, it
gives you some peace and quiet.
roxul.com
R.P.
LUMBER
SM
BEST SERVICE
CONTRACTOR’S
EQUIPMENT COVERAGE
Keep your equipment protected so you can continue business as
usual with a Commercial Inland Marine policy from Auto-Owners.
Receive broader coverage for your large mobile equipment such
as bulldozers, graders, hoists, tractors and more.
Belleville • 618-233-0024
www.yaekelinsurance.com
LAND DEVELOPER
C. A. Jones, Inc.
www.cajonesinc.com
Fulford Construction, Inc.
www.fulfordhomes.com
Real Estate & Development Co.
Halloran Construction, Inc.
Heartland Homes
www.heartlandhomes.com
Homes By Deesign, Inc.
www.homesbydeesign.com
Huntington Chase Corp.
www.huntingtonchasehomes.com
McBride & Son Construction, Inc.
www.mcbridehomes.com
Osborn Homes, Inc.
Padgett Building & Remodeling Co., Inc.
RLP Development
www.rlpdevelopment.com
Spencer Homes
www.spencerhomes.com
Vogt Builders, Inc.
LANDSCAPING & LAWN CARE
Focal Pointe Outdoor Solutions, Inc.
www.fplandcare.com
Landscapes Unlimited
http://landscapesunlimited.co
Munie Greencare Professionals
www.muniegreencare.com
Turf Gator
www.turfgator.com
LIGHTING
Light Brite Distributing
www.lightbritedistributing.com
Menard’s
www.menards.com
(618) 345-1500
(618) 286-3355
(618) 206-3604
(618) 206-5116
(314) 522-0579
(618) 656-1514
(618) 235-0582
(618) 233-0024
(618) 939-7927
(618) 632-5779
(618) 476-7444
(618) 632-2500
(618) 281-5999
(618) 257-1512
(618) 624-3250
(618) 344-6353
(636) 537-2000
(618) 346-7878
(618) 236-7073
(618) 656-1514
(618) 659-0217
(618) 939-8016
(618) 398-9000
(618) 779-8658
(618) 624-5005
(618) 632-9338
(618) 224-7314
(618) 206-5116
(618) 667-3411
www.hbaswil.org
LUMBER
www.lieselumber.com
Menard’s
www.menards.com
www.rplumber.com
www.rehkempers.com
(618) 259-7434
(618) 234-0105
(636) 343-3877
(618) 206-5116
(618) 656-1514
(618) 526-2269
MARBLE CONTRACTORS & PRODUCTS
Custom Marble, Inc.
(618) 476-1345
www.custommarble.net
(618) 624-1200
(618) 277-1946
www.martinglass.net
Menard’s
(618) 206-5116
www.menards.com
(636) 332-9040
www.suphome.com
MARKETING SPECIALISTS
Belleville News-Democrat
(618) 239-2621
www.belleville.com
Cutco Closing Gifts
(314) 761-5669
www.cutcoclosinggifts.com
MASONRY REPAIR & TUCK POINTING
MILLWORK CONTRACTORS & PRODUCTS
(618) 259-7434
(618) 234-0105
www.lieselumber.com
(636) 343-3877
Menard’s
(618) 206-5116
www.menards.com
(618) 656-1514
www.rplumber.com
(618) 624-5400
www.wilkewindow.com
See our ad on page 11 & 28
MIRRORS
(618) 277-1946
www.martinglass.net
Menard’s
(618) 206-5116
www.menards.com
(636) 332-9040
www.suphome.com
MUNICIPALITY
Village of Shiloh
(618) 632-1022
www.shilohil.org
PAINT PRODUCTS
Menard’s
(618) 206-5116
www.menards.com
(618) 656-1514
www.rplumber.com
Page 21
PAINTING CONTRACTORS
CertaPro Painters
(618) 239-9300
www.certapro.com/belleville
CertaPro Painters
(618) 407-7681
http://madisoncounty-northcounty.certapro.com
Drake Construction
(618) 222-2829
www.drakeconstructionllc.com
S & S Drywall Inc.
(618) 808-0032
www.snsdrywall.net
(618) 473-2527
PLUMBING CONTRACTORS
DMI Plumbing, Inc.
(618) 233-7896
O’Fallon Belo Plumbing & Mechanical
(618) 632-5700
www.belocooling.com
PLUMBING FIXTURES & SUPPLIES
Belleville Supply Company
(618) 233-3333
www.bellevillesupply.com
(618) 624-1200
Menard’s
(618) 206-5116
www.menards.com
(618) 656-1514
www.rplumber.com
(636) 332-9040
www.suphome.com
PORTABLE TOILETS
Econ-O-John
(618) 939-3001
PRINTING, BANNERS, SIGNAGE & DESIGN
Advanced Engraving & Vinyl
(618) 567-0459
www.advanced-engraving.com
PROPANE GAS – SALES & SERVICE
(618) 654-7409
PUBLICATIONS
Belleville News-Democrat
(618) 239-2621
www.belleville.com
REAL ESTATE SPECIALIST
Greater Gateway Assn. of Realtors
(618) 692-8300
www.gatewayrealtors.com
RE/MAX Preferred - The Markham Network
(618) 781-2203
www.BarbaraMarkham.com
Realtor Association of Southwestern Illinois (618) 277-1980
www.myrasi.com
Proud to be a supplier of
all of your Kitchen and
Bath needs
Page 22
Weigh Your Options Before a Do-it-Yourself Remodel
While most professional remodelers
understand that home owners will do some
of their own home repairs or small
renovations, after repairing many a DIY
gone awry they overwhelmingly believe
that many jobs should be left to the pros.
The desire among home owners to tackle
repair and remodeling projects has risen.
Before attempting to create a gorgeous
bathroom, consider the following before
sinking your resources into the project.
Safety
Without the proper training and
preparation, a DIYer can and has landed in
the emergency room. Unfamiliarity with
new tools and techniques can lead to lifethreatening accidents. Follow product
directions and safety procedures and
always use proper safety equipment.
A good rule of thumb for any home owner
is to avoid projects that require a license.
Veteran remodelers advise against doing
electrical or plumbing work on your own
and avoid making structural changes to
walls, roofs and floors. You run the risk of
compromising the structural integrity of
your home and having a large hole in your
roof or floor. Leave this work in the hands
of professionals with the proper training.
Time
DIYers often tackle larger projects but if
something goes wrong, there is no one to
hold to the deadline. Hiring a professional
will ensure that you have a contract with a
completion date and that the remodeler will
bring in whatever help is necessary to get
the job finished on time.
If timing is a priority for your weekend
warrior, call a professional remodeler to get
your project completed.
Cost
Purchasing new tools is exciting but
consider the price of all the specialty tools
used for a one-time project when they are
sitting untouched in your garage for a few
years.
There are some home projects that
professional remodelers believe can be
tackled by determined DIYers such as
interior painting, caulking, changing door
knobs and cabinet pulls, and some
aesthetic work (depending on skill level)
such as installing crown molding.
DIY projects should be fun and suit your
skill level. If they’re not, then consider
hiring a professional. For information about
hiring a remodeler, contact the Home
Builders Association of Greater Southwest
Illinois for names of member remodelers by
visiting www.hbaswil.org or call us at (618)
343-6331.
www.hbaswil.org
Page 23
Friday, Feb. 26 • 2 p.m. - 8 p.m.
Saturday, Feb. 27 • 10 a.m. - 8 p.m.
Sunday, Feb. 28 • 11 a.m. - 4 p.m.
HOW...
S
6
1
0
2
E
H
DON’T MISS T
ers
Home Build
Association
of Greater
Southwest Illinois
IT’S YOUR BEST OPPORTUNITY
TO CONNECT WITH OVER
100 LOCAL HOME
IMPROVEMENT PROFESSIONALS
AND PRODUCT PROVIDERS
6 00
$
Belleville
s
Fairground
elt East
200 South B15
9)
(Rt. 13 &
ING
FREE PARK
ADMISSION
Children unde
r 12 FREE
Save Several $ off
Admission
Bring a canned
good, toiletry
item
or other hous
ehold necess
ity to
benefit the Co
mmunity Inte
rfaith Food
Pantry, Faith
Baptist Food Pa
ntry
and the Violen
ce Prevention
Center.
Sponsored by
Padgett Build
ing &
Remodeling,
Light Brite Dis
tributing
and CertaPro
Painters of Be
lleville.
2016 Home Show Corporate Sponsors
Check out the Home
Show guide & interactive
floor plan on-line for
a complete listing of
exhibitors and all the
details about this year’s
exciting show.
Southwestern Illinois
Housing Advancement Fund
t LocalBuilderEvents.com
a
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our lin 6 1 8 - 3 4 3 - 6 3 3 1
t
u
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Check
Page 24
g
Celebratin
ears
Over 25 Y odeling
of Quality
Rem
1987 - 2016
CHANGE
your space
PADGETT
Building & Remodeling
618-236-7073
PadgettBuilding.com
REMODELING CONTRACTORS - EXTERIOR
(618) 939-8675
(618) 588-5300
www.crownroofingandexteriors.com
Daech & Bauer Roofing & Remodeling, Inc. (618) 345-7475
www.roof211.com
(618) 985-3000
Everlast Home Improvements
(877) 935-4404
www.everlaststl.com
(618) 235-4300
www.fulfordhomeremodeling.com See our ad on this page
J. Decker Homes
(314) 226-8232
www.mcdermottremodeling.com See our ad on next page
(618) 397-4391
Klemme Construction, Inc.
(618) 476-1126
www.klemmeco.com
(618) 622-3455
www.lfandson.com
L.D.C. Homes
(618) 779-0559
(618) 667-7500
www.lauberllc.com
Mosby Building Arts
(314) 909-1800
www.mosbybuildingarts.com
Oasis Construction
(618) 667-1966
www.ociroof.com
(618) 768-4289
ottencontracting.com
Padgett Building & Remodeling Co., Inc. (618) 236-7073
(618) 973-7943
(618) 473-2527
(618) 345-8615
Vogt Builders, Inc.
(618) 939-8016
REMODELING CONTRACTORS - INTERIOR
Bath Fitter
(314) 882-2920
www.bathfitter.com
Brennan Building & Remodeling
(618) 691-9121
www.everlaststl.com
www.fulfordhomeremodeling.com
J. Decker Homes
(618) 985-3000
(877) 935-4404
(618) 235-4300
(314) 226-8232
www.hbaswil.org
REMODELING CONTRACTORS - INTERIOR (CONTINUED)
www.mcdermottremodeling.com See our ad on this page
(618) 397-4391
Klemme Construction, Inc.
(618) 476-1126
www.klemmeco.com
(618) 622-3455
www.lfandson.com
(618) 667-7500
www.lauberllc.com
Mosby Building Arts
(314) 909-1800
www.mosbybuildingarts.com
Oasis Construction
(618) 667-1966
www.ociroof.com
(618) 768-4289
ottencontracting.com
Padgett Building & Remodeling Co., Inc. (618) 236-7073
(618) 973-7943
(618) 473-2527
(618) 345-8615
Vogt Builders, Inc.
(618) 939-8016
Page 25
RENTAL HOUSING
Barnes Properties, Inc.
(618) 236-2065
www.barnespropertiesinc.com
C. A. Jones, Inc.
(618) 939-7927
www.cajonesinc.com
(618) 344-6353
Osborn Homes, Inc.
(618) 346-7878
www.obsornproperties.com
ROOFING CONTRACTORS
(618) 343-1117
www.aroofing.net
(618) 939-8675
(618) 588-5300
www.roof211.com
(877) 935-4404
www.everlaststl.com
Himstedt Roofing, Inc.
(618) 234-3001
(618) 397-8701
www.mcdermottremodeling.com See our ad on this page
(618) 667-7500
www.lauberllc.com
Oasis Construction
(618) 667-1966
www.ociroof.com
Taylor Roofing Solutions, Inc.
(618) 233-2424
www.taylorroof.com
The room is the view
We’ve been creating
spectacular rooms since
1993. With in-house
interior designers and the
best craftsmen in the
business, we can make your
remodeling dream a reality.
7427 W. Main St. • Belleville • 618-397-8701 • www.mcdermottremodeling.com
Page 26
Shingles
• Great Selection • Lowest Prices • Best Service
R.P. LUMBER
BEST SERVICE
SM
ROOFING PRODUCTS
(618) 345-1500
www.abcsupply.com
(618) 233-3278
www.arrowheadbuildingsupply.com See our ad on this page
(618) 259-7434
IKO
(636) 328-1176
www.iko.com
(618) 931-0315
www.ls-usa.com
Menard’s
(618) 206-5116
www.menards.com
ProBuild
(618) 526-7218
www.ProBuild.com
(618) 656-1514
www.rplumber.com
Roofers Mart Exterior Building Products
(618) 213-4092
www.roofersmartinc.com
Shake & Shingle Supply
(618) 622-3010
www.shakeandshingleroofingsupply.com
SCREENS & SCREEN DOORS
Broadview Screen Co.
(314) 842-8888
www.broadviewscreen.com
Menard’s
(618) 206-5116
www.menards.com
SHOWER DOORS
(618) 277-1946
www.martinglass.net
Menard’s
(618) 206-5116
www.menards.com
(636) 332-9040
www.suphome.com
SOD PRODUCTS & INSTALLATION
Heartland Turf Farms
(618) 281-6050
www.heartlandturffarms.com
SIDING CONTRACTORS
(618) 343-1117
www.aroofing.net
(618) 939-8675
(618) 588-5300
www.roof211.com
(877) 935-4404
www.everlaststl.com
Germantown Seamless Guttering, Inc.
(618) 523-7130
www.gsgutters.com
(618) 397-8701
(618) 397-4391
John Bender, Inc.
(314) 426-3785
(618) 667-7500
www.lauberllc.com
Oasis Construction
(618) 667-1966
www.ociroof.com
(618) 473-2527
www.hbaswil.org
Page 27
Garrett & Herschel E. Johnson
SIDING PRODUCTS
(618) 345-1500
www.abcsupply.com
(618) 233-3278
www.arrowheadbuildingsupply.com See our ad on page 26
(618) 931-0315
www.ls-usa.com
(636) 343-3877
Menard’s
(618) 206-5116
www.menards.com
P & A Drywall Supply
(800) 211-4728
www.pasupplies.com
ProBuild
(618) 526-7218
www.ProBuild.com
(618) 656-1514
www.rplumber.com
Rollex Corporation
(847) 437-3000
www.rollex.com
(618) 213-4092
STONE PRODUCTS
Hallmark Stone
www.hallmarkstone.com
Midwest Block & Brick
www.midwestblock.com
(800) 471-3939
(618) 939-7600
STRUCTURAL REPAIR
Helitech - Waterproofing & Structural Repair(618) 235-5595
J. T. McDermott Waterproofing
(618) 397-8701
www.mcdermottwaterproofing.com See our ad on page 25
(618) 473-2527
(618) 344-2288
SURVEYORS
Thouvenot, Wade & Moerchen, Inc.
(618) 624-4488
www.twm-inc.com
TITLE – ESCROW SERVICES
Benchmark Title Company
www.benchmarktitle.net
First American Title Insurance Company
http://il.firstam.com/
Illinois Title and Escrow
www.illinoistitleandescrow.com
TRUSSES
www.lieselumber.com
Menard’s
www.menards.com
www.rehkempers.com
www.rplumber.com
Real Estate & Development, LLC
Your Quality
Hometown Builder
Subdivisions in...
MILLSTADT
Parkview Manor
Schedule a new
home viewing with us
• Large Lots
• Close to School & Park
• Adjacent to City Pool
• From the $180’s
Rte. 158 to Polk to Admiral Went Pkwy
BELLEVILLE
Highland Hills
• Large lots
• Lake sites
• 50% Brick
• Close to Shopping
From the $170’s
Off Rt. 13 Close to Frank Scott Parkway
CUSTOM BUILDING
IS OUR SPECIALTY
Over 39 Years of
Experience Your Lot or Ours
618-781-5480
Ready to buy?
(618) 239-3750
(618) 277-7550
(618) 257-8700
Ready to remodel?
(618) 259-7434
(618) 234-0105
(636) 343-3877
(618) 206-5116
(618) 526-2269
(618) 656-1514
Learn more today.
Page 28
R.P.
UTILITY SERVICE
Ameren Illinois
www.ameren.com
Southwestern Electric Cooperative, Inc.
www.sweci.com
WALL PANELS
LUMBER
BEST SERVICE
SM
WARRANTY SERVICE
2-10 Home Buyers Warranty
www.2-10.com
Bonded Builders Warranty Group
www.bondedbuilders.com
Andersen is the largest
window and door
manufacturer in North
America. They provide a
vast selection for all of
your window and door
needs. R.P. Lumber offers
free estimates, in home
measurements, and
knowledgable sales staff
to aid your purchasing
needs.
(800) 755-5000
(618) 664-1025
(636) 343-3877
(812) 391-4009
(800) 749-0381
WATERPROOFING
(800) 653-2765
Rebel, Inc.
(618) 235-0582
www.rebelinc.com
(618) 344-2288
WEATHER RESISTANT BARRIER
Tremco Barrier Solutions, Inc.
www.tremcoinc.com
400 SERIES
For over 100 years, people have relied on Andersen. With over 100
million windows installed, no other windows are in more homes than
the Andersen 400 Series. Its innovative blend of craftsmanship and
style has helped make Andersen the most trusted window brand in
America. We make peace of mind happen.
Family Owned for Over 50 Years!
3500 Lebanon Avenue
Shiloh, IL 62221
618-624-5400
WilkeWindow.com
(913) 908-7911
WINDOW REPLACEMENT CONTRACTORS
(618) 343-1117
www.aroofing.net
(618) 939-8675
(877) 935-4404
www.everlaststl.com
(618) 397-4391
(618) 397-8701
(618) 667-7500
www.lauberllc.com
(618) 473-2527
WINDOW PRODUCTS
Menard’s
www.menards.com
Norm`s Bargain Barn
www.rplumber.com
www.wilkewindow.com
(618) 259-7434
See our ad on page10
(636) 343-3877
(618) 206-5116
(618) 632-3500
(618) 656-1514
(618) 213-4092
(618) 624-5400
(618) 236-7766
www.hbaswil.org
OPEN HOUSE EVENT
TWO BIG WEEKENDS
Saturday • Sunday
June 4 & 5
10-5 Saturday 12-4 Sunday
Saturday • Sunday
June 11 & 12
10-5 Saturday 12-4 Sunday
Event Sponsor
Southwestern Illinois Housing Advancement Fund
LocalBuilderEvents.com
Page 29
Page 30
Financing Your New Home
Buying your a house can be
very exciting. But financing
your home purchase can be
a daunting experience. In
both cases, knowledge is
power, and if you do your
research and shop carefully,
you will have a successful
home-buying experience.
Advance preparation is key
when getting ready to buy a
home. You need to decide
how much to spend on your
home and which type of
mortgage will work best for
you, as well as understand
the settlement process.
Before you visit a sales
office, model home or open
house, you should take
advantage of the many
sources that can help you get
prepared, and take some
steps to ensure you’re in the
best possible financial
situation:
Figure out what you can
comfortably pay on a monthly
basis. Write down all your
monthly expenses including
loan payments, utilities,
insurance, credit cards and
don’t forget food, clothing and
entertainment expenditures.
When determining the
monthly payment you can
afford, remember that in
addition to the monthly
principal and interest, you will
also be paying into escrows
for property taxes, hazard
insurance and possibly
HUD also has a booklet on its
site called “Buying Your
Home: Settlement Costs and
Helpful Information.” It
describes the home buying
and settlement process and
explains most of the
expenses you will encounter.
It is free and most lenders
mortgage insurance or a
are required to provide their
home owners or
loan applicants with a copy of
condominium association
this document under the Real
assessment. Many real
Estate Settlement
estate-focused websites have Procedures Act (RESPA).
mortgage calculators that are
a great way to figure out what When you have done your
your monthly payments
research, visit a lender and
would be based on current
find out what loans would be
interest rates and down
available to you. Then, get
payment amounts.
pre-approved. This will tell
you how much money the
Pay down your debts. Debt
lender is willing to loan you,
that you carry on your credit and you will know what price
cards will limit the amount of range you should be
a loan a lender will be willing shopping in. Pre-approval
to give you. Lenders typically also enables you to quickly
want to see a total debt
make an offer when you find
service ratio that is less than a home, and is attractive to
40 percent of your monthly
sellers who are considering
income.
multiple offers. A lender’s pre
-approval would still be
Attend a home buying
subject to a final verification
seminar or talk to a credit
of your credit and a
counselor who does not work satisfactory appraisal.
for a lender. The U.S.
Department of Housing and Once you have figured out
Urban Development (HUD)
the best way to finance your
offers free housing
new home, get out there and
counseling and seminars;
go find it!
visit www.hud.gov or call
For more information contact
HUD's interactive voice
Home Builders Association of
system at: (800) 569-4287 for Greater Southwest Illinois by
more information.
visiting www.hbaswil.org or
call us at 618-343-6331.
www.hbaswil.org
Page 31
Page 32
NATIONAL BANK
*
Here to Help!
Great rates and low closing costs
• New Construction
• Refinancing
• Home Equity Lines
EDWARDSVILLE
• Specialize in first
time homebuyers
• Local lending decisions
on conventional loans
HIGHLAND
Michelle Price
Shannon Wills
Call me today.
Call me today.
LO NMLS #448473 • Bank NMLS #421813
LO NMLS #400691 • Bank NMLS #421813
Loan Officer
P: 618-656-5804 Ext. 4010
C: 618-978-5245
[email protected]
2200 Troy Rd.
Edwardsville, IL 62025
Loan Officer
P: 618-651-8282
C: 618-741-8052
[email protected]
40 Apex Dr.
Highland, IL 62249
Rates change daily go to
www.national-bank.com
for todays great low rate.

Nail Down Your Next Home Loan! - Home Builders Association of

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