New Home: On Your Own Lot

This is part two of a three part series: New Home, what you need to know. Click here for part one.

Want to buy land and build a home? How hard can it be?

If you have looked into this option, you may know there are many details of which you need to be informed. Have no fear, your new home experts are here to help.

Building on your own land does not need to be scary and hairy, but should be approached with an understanding of the details involved. Here are key details to fit your plan.

Understand that the cost is more than House + Land.   In our day of regulation, complying with the details of constructing a new building has become increasingly burdensome.  A builder with experience will understand how to break down these cost for you. They include:

  • Costs for Well and septic if applicable.
  • Costs and availability to connect to public utilities if available
  • The requirements for a ‘Storm Water Mitigation Plan’. Every new home must have a way to control water runoff during a storm.
  • Driveway requirements: if on a hill, state road or other limiting factors, a driveway permit may not be granted, which can shut you down before you get started. The length of driveway may also have a huge impact on your budget.
  • Costs to remove trees, rocks and prepare the site. These can be staggering if you have not prepared for them.
  • Heat source: is natural gas available? If not, will you bury a propane tank or use a high efficiency heat pump?

Given all these questions, costs and requirements how do you proceed?

Do not buy land without doing your homework! Many regrets have formed from this mistake.

Our new construction experts can help you through the process to arrive at your dream home on your own land.

Not every builder will build on your own property. You will want and need a builder who builds many homes ‘On your own lot’ and is intimately familiar with costs and requirements to do so.

Working with many of the local builders, we can match you with a builder who shares your vision and can make it a reality WITHIN your budget and time frame.

Call us for a free no-obligation consultation  to start the process of taking your dream home from a dream to a reality!

Are you considering a new home? Start here.

Have you been considering a NEW home, but are not sure where to start?

Don’t be intimidated,  we are here to make you the expert.

The options can be overwhelming. Location, size, price point? When you build, you get exactly what you want, but with so many options it can be overwhelming.

There are many facets of building. You may want to buy your own 50 acre estate and build a custom home.

Or, if your dream home is in a neighborhood with large lots, we know exactly where to look.

This will be a 3 part series:

  1. Luxury
  2. On your own lot
  3. Development options and pricing

If you are looking to be in the best areas of York County, the premier custom home builder you need to talk to is  Jeffrey L. Henry.

Locations offered are close to Country Clubs, and communities are designed with Luxury in mind.

  • New Brittany II, an upscale location set in rolling hills just outside the Outdoor Country Club in Central York, features acres of green space and stately brick wrapped homes.
  • Spring Forge, located in Spring Grove offers fabulous views of the surrounding farmland and hillside. The amenities of the town are within walking distance and the location is convenient to main highways.
  • Donwood Estates in Dover, offers a quiet setting with many home sites backing to farmland or trees. The community is within an easy walk of many shopping and restaurant choices, yet has a secluded feeling.

Satisfying your vision for your dream home is the goal of every Jeffrey Henry custom home, and the builder works directly with you to make the dream take shape. From design to move in, the Henry’s legacy of quality and customer care bring reality to your vision. Hundreds of satisfied homeowners will tell you: Jeff Henry’s quality and process are the best of the best!

There has never been a better time to bring to life your dream home! Call us for a free tour of models and consultation. 717-880–2111

Our new home experts are here to help. As the representative for multiple builders in the area, there is no better place to come for full service to make your dream a reality.

Proof Ghosts do exist?

Still skeptical about Ghosts? If you are ready for proof they DO exist, the Golden Lane Antique Gallery in New Oxford can show you…

Why is this old brick warehouse so haunted?

Being close to the historic battlefield of Gettysburg sets the stage. Many of the spirits on the battlefield find home there. In the days as a shoe factory, 5 or more workers died in the building and their spirits dwell closely by.

For the past 27 years, as an Antique Gallery, the spirits have come and gone with the many historic furniture and art that have graced the structure to tell their story.

There is in particular, a young girl names Clarissa, and she has a doll that she plays with. The doll is on display at the Antique Gallery, and in use by her at night. Clarissa loves to ‘play’ with visitors, who have felt their hair pulled, toes stepped on and pokes in behind by Clarissa.

 Look closely below: you will see Clarissa’s doll on display.

The former shoe factory turned Antique Gallery is now for sale, courtesy of Berkshire Hathaway, Naomi Brown. Would you love to start a haunted house or similar venue? The owner, Barry Strohm has given ghost tours for many years. Now is the perfect opportunity while the building at 11 North Water St, New Oxford is still for sale. Come make it your own and join the ranks of those who experience the realm of the unseen……

The Ghost Tour room in the basement of Brick Warehouse.

Dated, Dark and Dirty

When Liz and Matt walked into my new open house recently, they said they have visited practically every house in their school district. Everything was dated, dark and dirty for a high price.  Want pink carpet and leaking roofs? Not them. They had walked into a home and walked right back out in 2 minutes flat with the last house.

Then, they thought about new. Why not? Everything is at the beginning of its life. It has tons of natural light. And it smells new. What’s not to love?

Liz and Matt picked an open floor plan with a soft gray color scheme, and built it on a lot backing to a park. “Everything is exactly what we picked, right down to the color of the front door” Matt said, “We can move in and only argue about where my flat screen TV will go”.

If you are thinking of new, there has never been a better time. Beautiful home sites are available in every location throughout York County. Tom Pendergast and Naomi Brown of the CCP Team with Berkshire Hathaway Realty are your local New Home Experts. Representing a host of builders and developers, they can find an option for everyone.

Building New Homes had almost completely stopped during the recession years, but has come roaring back in 2017. A hard decline in homes for sale, coupled with an increase in buyers has resulted in a very low inventory market. According to Realtor.com, sales of New Homes are forecast to rise in every market, to meet the demand from buyers.

Want to buy a lot and build? That is a different process, but we can help you there.  Always available to help walk you though the details and excitement of a new home!

Call  Naomi at 717-819-2825 for more details on your new home!

House Jumping

Need to buy a new house and sell current one?

You and half the population!

But how to you make that jump with a mortgage on each home?

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There are several way you can make the transition:

1.Take a Home Equity Loan

-This requires that you first have equity.

– Second, you must qualify to carry the payment on Home Equity loan, current mortgage and the new mortgage. All these payments usually rule it out as an option for most people.

2. Take a ‘Bridge Loan’

Also called ‘Swing Loans’, this is a short term refinance of your current mortgage, which helps in two ways:

-First, you can pull equity out (provided again you have equity) for your down payment and closing costs.

-Second, this reduces the payment on your current home to interest only, in order to make it easier to qualify to pay both mortgages.

The ‘Swing Loan’ is paid off once current home is sold.

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3. Go ahead with a new mortgage

–  If you have enough income, you may qualify to pay both the current mortgage and the new mortgage. Now, most people have NO desire to pay two mortgages, and that’s okay.

Usually, as long you qualify on paper, you can write the offer on the new home. Sell your current home quickly, and then close on the same day, with NO overlap in payment.

Even with a small overlap in payment, it is usually not a hardship. When selling a home, the amount in your ‘Escrow’ account that is set aside for property taxes every month by your bank, is refunded to you a month after closing. This refund allows you to cover the extra payment for a month or two.

-The other caveat here is that you must have the money for down payment saved. If this is hard to achieve, it is a good time to call on family for a short term loan, to be repaid once current home is sold.

Every situation is unique, and we work with you to help make the decision that fits best.

-Call us, and let’s get started helping you make a House Jump!     Call/Text: 717-819-2825

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New Year’s Resolutions for your Home

New Year’s Resolutions for your Home

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Being a few days into the New Year, many people like to set goals for what they hope to accomplish in the months to come. Your home can definitely be part of these aspirations! Here are a few small ways you can improve your home for 2017.

Plan a Budget for Improvements
Take a look at home improvements you hope to accomplish this year. Whether you’re ready to buy a new refrigerator, purchase new flooring, or it’s time to replace your roof, improvements are costly. Plan your yearly budget with these projects in mind to prevent you from overspending, that way there is money available for when you’re ready to make the changes.

Limit Water Use
Our homes eat up about 400 gallons of water each day which can equal hundreds of dollars in water and sewer costs. Save money this year by installing EPA certified WaterSense products. Purchase low-flow shower heads and replace old toilets with low flow toilets. These high efficiency toilets use compressed air and electric water pumps to flush using less than 1 gallon of water. Older toilets can use up to 8 gallons per flush.

Cut Energy Use
Start 2017 by cutting energy use in your home. A great place to start is checking the duct work on your HVAC system. Leaking ducts cause serious energy waste. By sealing and insulating your duct work, you will save big this winter on heating bills and also save this summer when it’s time to turn up the AC.

Purify Air
Did you know that the EPA has indoor air quality listed as a top environmental health hazard? During the winter when the doors and windows are closed the air is full of possible contaminants such as dust, mold spores, and viruses. Make sure the ventilation systems in your home exhaust air to the outside rather than in an attic or between ceiling joints. You can also purchase a portable air purifier for each room to remove pollutants.

Improving the livability of your home benefits all who live there. If you need a new home in the new year, contact me to for information on walking through that process.