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Chris Esposito's Articles

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  • The Nine Basic Steps of the Owner Builder Construction Loan
    Owner builder construction gives you the chance to build your own home and earn a lot of instant sweat equity in the process. However, the loan process is more involved and time consuming than a simple purchase or refinance loan. If you are considering being an owner builder, understanding these nine basic steps will make the project financing and planning much smoother.
  • 20 Do's and Don'ts of Owner Builder Construction Loans
    If you are considering being an owner builder and managing the construction project without hiring a general contractor when you build your own home, then you need to go into the process as prepared as possible. These twenty tips will prove invaluable when shopping for and completing your owner builder construction loan.
  • How to Choose the Right Closing Agent for Your Owner Builder Loan
    Owner builder loans are more complicated than your standard refinance or purchase loans. Therefore, you will need to be more selective when hiring your closing agent. If you don't know how to choose the right closing agent for your owner builder construction loan, your project could be delayed significantly.
  • The 8 Benefits of Modular Construction that Every Owner Builder Needs to Know
    Owner builder construction is growing in popularity at a tremendous pace around the country as more and more people look to save money by building their own home. If you are considering being an owner builder to build your next house, then you need to know these 8 benefits of modular construction before you begin.
  • The Four Attributes of a Good Owner Builder - Your Construction Loan and Project Depends on Them
    Owner builder construction can save you 15% to 35% during the construction of your own home by cutting the costs of hiring a general contractor. However, if you don't take the planning and construction seriously, then you could end up losing a lot of money and your dream home. Therefore, you need to have these four attributes to be a successful owner builder.
  • Understanding the Difference Between a Simple Purchase Loan and an Owner Builder Construction Loan
    An owner builder must understand that his construction loan will be different than a simple purchase or refinance mortgage. Understanding these differences allows you to plan for a very profitable project. However, an owner builder who does not account for the nuances of an owner builder construction loan as compared to a simpler mortgage is going to set himself up for failure from the start.
  • Five Questions Every Owner Builder Needs to Ask About His Loan
    Owner builder construction loans are complicated compared to simple purchase loans or refinance mortgages. Look for financing that has the features that will help you be successful. Managing the construction of your new home as an owner builder is no small job. Make sure your construction loan is set up to help you succeed. Always ask these five questions before settling on your financing.
  • Why Should Customers Trust Your Online Company? Marketing Tips from Owner Builder Loans
    For small businesses, online marketing can be the primary means of finding new customers. But, potential customers have grown more skeptical of online companies as it has become almost too easy for anyone to maintain a website. Use these tips from successful online marketing of owner builder construction loans to design your business's website in such a way to build trust with your customers.
  • How to Botch a Home Loan Application: An Example from Owner Builder Construction Loans
    Home loan pre-approvals are supposed to be quick and easy, yet people constantly shoot themselves in the foot and cost themselves a lot of time and money. Learn from these examples from owner builder construction loans and apply the lessons to your mortgage loan application.
  • How Do Soft Markets Affect Your Construction Loan Rates and Terms?
    Owner builder construction, or any custom home construction loan for that matter, is currently battling its way through a bloodied mortgage industry. If you want to build, whether as an owner builder or with a hired general contractor, you need to know how the industry's list of soft markets and declining values will affect your construction loan terms.
  • Building a New Home? Should an Owner Builder Buy a Home Kit to Save Money?
    Home kits or material packages can be great tools to help owner builders construct a home, because they bundle the materials together for you and send it as one package. There is a myth, though, that these home kits are always a way to save money. But, an owner builder needs to take the time to break down the numbers.
  • Owner Builders Beware: The Dangers of Construction Cost Estimators
    Cost Estimators are evil. Learn the real truth behind budget estimators, and why they only help owner builders to run out of money, ruin their project, and raise their blood pressure. If you are considering being an owner builder to build your new home, you need to know the real dangers of improper budgeting with cost estimators before it's too late.
  • Owner Builders: 43 Interview Questions You Need to Ask When Choosing the Right Sub-Contractors
    Owner builders oversee the construction of their new homes, cutting out the costs of a general contractor. To do this, though, owner builders hire and manage their own sub-contractors. Choosing the right subs will make the difference between a successful owner builder construction project and a disaster. Owner builders need to ask these 43 questions when choosing their sub-contractors.
  • Owner Builder Lessons for the Project Management Industry
    Owner builder residential construction projects offer a terrific point of comparison from which businesses can learn volumes about effective (or ineffective) project management strategies and techniques. Owner builders make many basic mistakes. Learn from them to refresh yourself on some project management basics.
  • A Lesson in Time for Owner Builder Loans
    Owner builders need to understand the owner builder loan and planning timeline before they make an offer on the land they want. Do these things in the right order, and you'll be well prepared for success. Owner builders who jump blindly into the process will set themselves up for disaster.
  • Long Web Forms Online: A Marketing Lesson from Owner Builder Construction Loans
    Owner builder construction loans are marketed online using an extremely long, detailed information request form, often consisting of 35 to 50 individual fields. Compare this to the standard short web form with fields just for a client's name and email. Why would you ever want to make the switch to a long web form to sell your product? Let owner builders show you the way.
  • The Truth About Owner Builder Construction Budgeting
    Owner builder construction budgeting is filled with potential pitfalls that can leave you in huge financial holes before ever finishing your home - if you are not prepared. On the other hand, by budgeting properly, owner builders will not only have accurate numbers with which to start building, but will have already lined up all of the people to do the actual construction.
  • Owner Builder Construction Loans: The Secret to Hiring Good Sub-Contractors
    Owner builder construction loans are for people who want to eliminate the costs of hiring a builder for their new home. Owner builders therefore manage the sub-contractors themselves. When hiring a sub-contractor, you will need a detailed contract to cover the specifics of the job. Owner builders should ensure their contracts include these basic items - or risk spending too much time and money.
  • Building Permits: What Every Owner Builder Needs to Know Immediately
    Your local building department is dedicated to reviewing house plans and issuing permits to build. If you are hiring a general contractor, he or she should be intimately familiar with the local codes and procedures. But, if you are an owner builder, you need to learn all you can from your local permit office as soon as possible. It could change your mind about the land and blueprints you want.
  • The Smart Way to Use Joint Venture Marketing in an Online World
    Will joint venture marketing work for online marketing? Can you use joint venture practices even if you focus on online marketing? If you do it correctly, you absolutely can. And should. Here are a few tips for joint venture marketing that will drive increased traffic to your websites and generate more online leads.
  • The Secret Costs of Choosing Blueprints for Your New Home
    When building a new custom home, either as an owner builder or with a general contractor, you'll need to decide on the right home plans. Do you buy stock blueprints or have them custom designed? Choosing incorrectly can lead to unforeseen construction costs that will blow your budget.
  • Four Email Marketing Tips: Turn Your Tire Kickers Into Eager Buyers
    Whether you're selling owner builder construction loans, collectible stamps, or a lawn care service, you can generate very large numbers of prospects through email marketing. But, you have to do it correctly. Even though you are marketing through email, you still need to build a relationship with your prospect in order to get the sale.
  • How Owner Builders Should Find Land to Build On - The Right Way
    Are you considering building a new home? You'll need to find the right piece of land. But, you probably don't buy land every day. Whether you're hiring a builder, or being an owner builder, finding land is the first step of what may be the biggest purchase of your life. There are many things to consider, and doing it incorrectly will spell disaster for your future home.
  • Marketing Diction: Pyschological Triggers from Your Word Choice
    Good sales copy has psychological triggers that influence customers to respond in a certain way. One main type of trigger is your copy's diction, or choice of words. The specific words you use in your sales copy have a major impact on your marketing success rate - and your income. Here is a list of specific terms and concepts that every marketer should understand when writing sales copy.
  • The Truth About Owner Builder Loan Closing Costs
    After owner builders work their way through the maze of loan qualifying, it will be time to close on the loan. This is essentially where you sign a huge stack of documents that you will never read, nor understand if you try. Basically, this is where the owner builder loan promises to give you the money, and you promise to repay it. Sounds simple, but it takes a hundred pages to accomplish it.
  • Owner Builder Construction Loans: The Three Imperatives
    Owner Builder construction is a great way to build instant equity into your new home by eliminating the costs of a general contractor. However, owner builder construction loans can be complicated and difficult to find. Here are the three owner builder loan features that you absolutely must have to be a successful owner builder.
  • What Makes You Different? Hone Your Unique Selling Proposition (USP) or Perish
    My office works in a very crowded industry. However, we make a lot of money, because we have found a better way to market our services. We stand out from our competitors thanks to our Unique Selling Proposition (USP) within our industry. Without a strong USP, your business will not succeed.
  • What You Need to Know About How Construction Loans Really Work
    A construction loan has some similarities to a regular purchase or refinance mortgage. You will still be judged on your income, credit, savings and monthly debts. However, with a construction-to-permanent loan, there are a additional factors that lenders consider - you need to know them if you want to build a new home.
  • An Almost Free Way to Generate New Business - A Creative Twist on the Joint Venture
    Almost any marketer already knows how a joint venture basically works. However, very few people apply it properly to their business. If you do it creatively, you will build a strong list of new leads. Best of all, it will cost you next to nothing.
  • Building a Home? You'll Need to Know Your Insurance Requirements
    When building a new home, you will need insurance to protect yourself while the home is under construction. If you're hiring a general contractor, he should have insurance in place to cover the bulk of the requirements. However, if you are going to be an owner builder and oversee the construction yourself, you will need to get your own insurance coverage to protect the home and yourself.
  • Ten Common Mistakes to Avoid with Your Credit
    How many of these ten common credit mistakes do you make? How many of them are currently keeping your credit score lower than it should be? Knowing the answers to these questions could boost your credit score and provide opportunities for better financing terms.
  • Will Email Marketing Campaigns Work for You?
    Most business owners or entrepreneurs will probably tell you that email simply won't work as a marketing tool. And, I must admit that if you are using email campaigns incorrectly, it will be a large waste of time and effort. But, if used correctly email marketing is a highly effective and cost-efficient way to generate new leads as well as stay in contact with previous customers.
  • Nine Key Credit Factors that Could be Damaging Your Credit Score Right Now
    Do you know the main credit factors that affect your FICO credit score? If you don't know these nine key factors, you could be unintentionally damaging your credit score and chances at better financing terms.
  • Dare to Be Different
    My office provides owner builder construction loans - a small fish in a large construction financing ocean. How do we get noticed by our clients and make sure they always remember us - we dare to be different. Being wacky and a bit off-the-wall with your marketing will make you stand out.
  • Today's Credit Scoring Basics and the Effects on Construction Financing
    At one time, not too long ago, there was no such thing as a numeric credit score. Your credit report either showed that you paid on time or you didn't, and that was that. But, times have changed. Today, it's more vital than ever to understand the basics of the FICO credit scoring system and how it will affect your qualifications for construction financing.
  • The Construction Loan Timeline and the Number One Mistake Most People Make
    The number one mistake, hands down, that people make when building a new home is not allowing enough time to get through the process. Building a custom home, and obtaining a loan to do so, is not as simple as getting a mortgage to buy an existing home. You CANNOT do it all in 30 days. So, before you sign a contract to buy a piece of land, take a moment to learn how to avoid potential disaster.
  • The Construction Appraisal - What You Need to Know Before Your Loan Gets Denied
    If you are building a new home, the appraisal is just as important to your construction loan qualification as your income or credit scores - maybe even more important. If you don't understand the appraisal process for a construction loan, you run the very real risk of wasting a lot of time and money.
  • The Ultimate DIY Project: Owner Builder Construction
    If you enjoy working around the home and doing various DIY projects, then maybe you're ready for the Holy Grail of DIY - building your own home as an owner-builder. By eliminating the costs of a general contractor's overhead, you will save tens of thousands of dollars on your next home. And it's not as labor intensive as you might think.
  • Who Are the People Involved in Your Construction Loan Process?
    Whether you are going to be an Owner Builder or hire a General Contractor, there are several people that will be involved with your loan process in addition to the loan officer with whom you choose to work. Knowing the roles of each of these people will make your loan process flow smoothly and quickly.
  • Are You Pre-Qualified or Pre-Approved? Knowing the Difference Can Save You a Lot of Time and Money
    Nearly everyone who has wanted to buy or build a home has been told that they need to obtain a "pre-qualification" or a "pre-approval" before making an offer on a property. The problem is that these terms are used interchangeably. This is a big mistake, and understanding the difference could save you a lot of time and money.
  • Shopping for an Owner Builder Construction Loan: The Features You Need to Look For Before Building
    It is hard to find construction financing when you want to build your own home as an owner-builder. When looking for the loan that is right for your scenario, make sure you see the big picture and look for the right features in your loan. Otherwise, suffer the consequences.
  • What is an Owner-Builder, Really?
    You've probably already heard the term owner-builder if you've been involved in residential construction in any way. But, there is a lot of misinformation out there about owner-builders. Before deciding if it's right for you, step back a moment and get a firm grasp of what an owner-builder really does.
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