Why Build a Patio?

How often have you told your children to go outside to play?  These days, many kids are glued to the TV, Smart Phone, Tablet or Gaming device.  It is vital to give them a space to play and get fresh air and exercise.  In fact, that’s pretty good advice for the whole family.  An addition to your home can seem like an overwhelming project (and pain and expense) but Liberty Builders of Texas can work closely with you to work within your budget, your timeframe, and to give you just what it is you need.

Did you know a patio or veranda can actually help reduce your energy costs?  It provides shade, much like a tree or a large umbrella.  It can reduce the bright light entering your home by creating a kind of canopy.  Liberty Builders of Texas understands this concept when coming up with designs that meet your needs.  With that beautiful Texas Fall on its way, wouldn’t it be nice to have that kind of area to enjoy with family and friends?

Creating a nice outdoor living area is also a great way to upgrade your home without the expense of a full renovation and certainly without the hassle and stress.  An open-air space can add great value to your home when it comes to resale as well.  Many people are looking for that outdoor space for their family.

Liberty Builders of Texas offers great financing and discounts for senior citizens and military.  Give us a call and let us show you how to really enjoy the great outdoors from the privacy of your own backyard.

(source: morespacepatios.com.au)

Patio Covers – Enjoy Your Backyard The Way You Deserve

Liberty Builders of Texas constructs durable, affordable, and enjoyable patio roof systems and slabs. In the past few years Liberty Builders has doubled it’s patio business as South Texas homeowners realize the benefits of maintenance free, life time materials for their backyard enjoyment.

Most San Antonio homes do not have patio roof systems or patio slabs. Even when homes do, the materials and construction is often of poor quality. Liberty Builders recently had the pleasure of completing a project for Mr. & Mrs. De Leon on the Northside of town.

  • The project area  at the start of the construction.

  • Construction begins

    

  • Due to the poor construction of the existing slab, Liberty Builders demolished and excavated the existing patio slab. Notice how the only metal reinforcement is cheap chicken wire, not even laid in the concrete. Unfortunately, this is what we usually find when we remove slabs.

  • Liberty Builders patio covers and slabs are built properly. Below are the preforms with 1/2″ rebar every 12″ tied into the homes foundation. Our covers are built with lifetime insulated metal that will never rot, warp, crack or peel.

     

  • Once we completed the concrete pour and the patio installation, our happy customers were left with a backyard to enjoy.

     

     

  • Call Liberty Builders of Texas today to get a free estimate for your backyard!

Financing Advice from NAHB (National Association of Home Builders)

Here are some great points regarding financing your home improvement project from the National Association of Home Builders):

One of the most important considerations for your home remodeling project is financing. After all, the project will go nowhere if you can’t pay for it.

Fortunately, there are several options that can provide the dollars you need. Four of the most common are a home improvement loan, a home equity line of credit, a home equity loan (second mortgage), and a cash-out refinancing of your current mortgage. However, the simplest method of financing is cash.

Cash

If you have cash in savings to pay for your home remodeling project, this may be the best way to finance your home improvements. But be sure to consider the fact that, by paying in cash, you tie up money that could be earning interest in other investments. In other words, you need to look at the interest rate that you would be charged by financing the project and compare this to the interest you could earn by investing these funds.

Interest payments on a home improvement loan may be tax-deductible, while the expenses of a remodeling project paid for in cash cannot be written off. Crunch the numbers and meet with a financial advisor to determine whether paying in cash is best for your financial situation in the long run.

Home Improvement Loan

Two special loans administered through the Federal Housing Administration (FHA) are the Title I and Section 203(k) programs. A Title I loan allows you to borrow up to $25,000 for improvements to a single-family home. These are fixed-rate loans that FHA insures against the risk of default. Loans must be made by an approved Title I lender.

The 203(k) program is not as well known, but if you are looking to purchase a fixer-upper or foreclosed home, it is a terrific opportunity. It allows home owners to receive a single, long-term, fixed or adjustable rate loan that covers both the acquisition and rehabilitation of the property. To obtain a loan under the 203(k) program, you must use an FHA-approved lending institution. Most mortgage lenders are approved to make loans through this program.

Home Equity Line of Credit

A home equity line of credit is a form of revolving credit in which your home serves as collateral. This allows you to tap into the funds whenever you need. The credit line is usually set at 75-80% of the appraised value of your home minus the balance of the first mortgage. Your credit history and ability to pay may also be considered in determining the amount of credit available.

Home equity lines of credit usually carry a variable interest rate that is figured by adding a margin to the current Prime Rate or some other index. Other costs associated with setting up a line of credit may also apply and will vary from lender to lender.

Second Mortgage

If you are not comfortable with the open-ended nature of a line of credit (which requires discipline to ensure that you don’t go way over budget), a home equity loan, or second mortgage, may be right for you. This is a fixed-rate, fixed-term loan based on the equity in your house that is paid back in equal monthly installments over a specific period of time.

Cash Out Refinancing

If interest rates today are significantly less than when you first purchased your house, refinancing your mortgage may be a wise move. The refinancing alternative allows you to use the accumulated equity in your home to take out a new loan to pay off your existing mortgage and then use the remaining funds for your remodeling project.

Make sure you factor in the length of time you plan to live in the house and the number of years left on your current mortgage before you decide to refinance.

Keeping Your Budget in Line

Once you’ve decided how much you can afford to spend fulfilling your remodeling dreams, the real challenge is making sure you stick to this budget. So, how can you prevent your expenses from spiraling out of control?

  • Plan on spending only 80% of what you can afford. Put the additional 20% in reserve to cover changes, unforeseen problems, and miscellaneous charges.
  • Remember that anything not included in the original contract will cost extra. It’s very easy to start tacking on hundreds and even thousands of dollars in change orders that will break both your budget and your timeline.
  • Stay focused on the task at hand. Stick to the project you have planned rather than deciding that now is the time to overhaul the rest of the house.

Create a Remodeling Strategy

Summer is here.  Now is the time to begin updating the small things around the house and maybe, plan for the bigger remodeling ideas you may have thought about, but never completed.

As with most projects, time and ideas are needed to be successful in your planning.  The best thing you can do is be prepared and know what you are getting into before you get started.  First things first…complete a planning and routine maintenance checklist.  If you want to listen to an expert, start with Martha Stewart!  Check out her spring cleaning planning strategy by clicking here.  You can use this great Summer Cleaning Checklist as well.

After you are comfortable with your routine maintenance, start thinking about all the updates and upgrades you have dreamed about completing on your home.  Some may be  cost effective and others may be a large scale remodel where square footage is added or rooms re-finished.  It is alway best to examine your budget and sit down with your family to really prioritize what is best for you and your home.

Better Homes and Gardens offers a great month by month Home Improvement Plan.  Use this as a guide and remember to always find a good balance between cost and quality.  Additionally, it is always wise to think through your investment from a cost/benefit analysis perspective.  For instance, replacing your windows with energy efficient, energy star rated windows decreases your energy consumption and lowers your monthly energy bill.  This is money back in your pocket that can offset your initial cash outlay for the upgrade!

When it is all said and done, the best you can do is take care of the basics up front.  Simple routine maintenance and spring cleaning can go a long way.  Once that is done, focus on the big ideas and make it a family effort to build and customize your home!

Build that Patio Roof System or Carport NOW!

If the past summers have taught us anything its be prepared.  Now is the time to build a patio roof system or carport to protect your family and cars from the heat and elements.  Imagine the heat around mid July.  In San Antonio, you’re talking about 100 degree weekends.  A patio roof system will give you the coverage you need to sit in your backyard and enjoy a barbeque with your family or relax on a Sunday morning just reading the paper.

Our patio systems and carports are designed and constructed from a high quality structural aluminum panel:
From ceiling fans to stereo speakers we can customize our products to FIT YOUR NEEDS!  We will also construct your patio roof system with an eye for enclosing it in the future should you have long term plans to add square footage to your house.

Whatever your options, whatever type of patio roof system or carport you may want…Liberty Builders is here to deliver a quality product with quality service.

Liberty Builders prides itself on being the best at exterior home remodeling.  From the minute we first meet, to when we walk off your job site after completing your home remodel, we strive to put SERVICE first.  We want to take care of you and help build value in your home.

Browse through our gallery of photos and see just a small sample of what we can do for you.  Call on us to help increase the value of your home today!

 

Patio Covers, Carports, and Sunrooms! Quality Work, Quality Service!

Save MONEY on your energy bills!  Increase your home’s value!

 

Liberty Builders of Texas is helping San Antonio home owners enjoy their backyards, patios, and porches despite the record setting heat. We have noticed a huge increase in customers contacting us for Patio Covers and or Carports just in the past 45 days.

In some cases our customers are deciding to go ahead and build a Glass Sun Room and Room Addition or we will enclose an existing porch with our exclusive Generations windows and doors.

Now is a great time for anyone to convert their existing porch or patio into a glass Sun Room or Screen Room. Whether its the Texas heat or preparing for the winter, contact Liberty Builders of Texas and have us give you a free estimate on Sun Room, Screen Room, Patio Cover, and Carport.

All of our products and services can be 100% financed. Click here and contact us today!

When your thinking about exterior Remodeling, remember Liberty Builders of Texas!