Thank you - Armadillo Homes

San Antonio • Austin • Laredo
Dear New Armadillo Homeowner:
On behalf of Armadillo Homes and all of our employees, I’d like to personally welcome you to your new home.
For more than 30 years we have focused our efforts on one simple, straightforward mission – helping families
realize the American dream of owning a home, and working hand-in-hand with you to ensure a favorable home
buying experience. From your first step inside our sales information center, to the presentation of the keys to your
new home and all points in between, we hope that our team has met and exceeded your highest expectations.
Most importantly, our commitment to you is only the beginning. One of the most distinguishing features
of Armadillo Homes is our relationship with you after the home purchase. Our renowned customer service
includes a one-year Door-to-Door In-Home Warranty and a Homes of Texas 2-10 year homebuyer’s warranty,
supplemented by 24-hour toll free homeowner service access. We’re here for you now and in the future.
Doing things the right way, with a family-focused approach to homebuilding, has allowed us to successfully
grow our business over the years. From our earliest days in Laredo, to the most desirable new communities
in Austin and San Antonio, these values have served us well and we don’t plan to change anytime soon.
There are few milestones in life as significant and memorable as home ownership, and we’re proud to have
had the honor of building and delivering the home of your dreams.
Enjoy your new home, and welcome to the Armadillo Homes family.
Warmest Regards,
Robert P. Gutierrez
Chief Executive Officer / Owner
Thank you
For trusting Armadillo Homes to build your new home!
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2
Mortgage
Information
3
The Building
Process
4
Closing
Information
5
FAQ’s
6
Description
of Materials
7
Contacts
The Bu yi ng P ro ces s
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The Buying
Process
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The Buying
Process
Armadillo Homes Buying Process
The Purchase Agreement
This is the contract to purchase the home. At time of contract we secure your home
site and lock in the price of the home. With the ability to do the design selection right
in the sales office, all options can be selected at this time, i.e., covered patio, bay
windows and elevation.
Design Selections
In creating the best homebuying experience possible, we have made the
personalization process easy. Your opportunity to make your home design
options is conveniently located at the model home. A professional designer
has made an assortment of options from which to choose. You are sure to find
an option package that will complement your personal style and taste.
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The Buying
Process
Earnest Money
This is your initial investment in the home. Earnest Money is required at time of the purchase
agreement. The Earnest Money is sometimes referred to as a “deposit.” The average earnest
money required can range from $500 to as much as 20% of the purchase price. This will be determined by the type of finance option you choose. The Earnest Money deposited can be credited
back to you at closing.
Mortgage Application
If you are not already preapproved elsewhere, Enterprise Mortgage will call you within 3 business
days to schedule an appointment. Enterprise Mortgage is affiliated with Armadillo Homes.
At your mortgage appointment, you will discuss and decide which financing options are best for
you with the loan officer. Once you decide on your financing options and receive loan approval,
it is time to move on to next step.
Pre-Construction Meeting
The pre-construction meeting, (pre-con), takes place when we are ready to start your new home.
The construction foreman (builder) will verify all of the selections and/or options on your home.
At your pre-contruction meeting the builder will set proper expectations of what to expect over the
next few months. This is a great opportunity for you to ask questions or express any concerns you
may have about the construction of your home. Your sales representative will call you to set up
this appointment and it will take place in the model home of your new community. The builder
may ask you to join him at the home site, please be prepared to do so. We always like to advise
our new homeowners to wear the appropriate shoes or clothes if this should come up.
Frame Walk
A frame walk or (pre-sheetrock walk) gives you an opportunity to view what is behind the walls before
being covered with the sheetrock. Your builder reviews all of your design or structural options to
ensure all is to your satisfaction before we move on to the next stage. This will alleviate having to
do any serious changes later. This is a voluntary meeting on your part. There is a limited time frame,
usually two days, in which we can stop the construction schedule to allow for this meeting. We ask
for your cooperation and to please be prepared for this meeting. Your sales representative will call
you to schedule this appointment with you and coordinate the times with your builder.
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The Buying
Process
Home Orientation
Congratulations, you are almost there! Your sales consultant will arrange this meeting between
yourself and the builder. A home orientation takes place when your home is completed. The
builder will orient you with your new home. Your orientation involves walking not only the exterior
of the home, but every room as well. Your builder will walk you through the steps on how to operate
and maintain your new home. This is also an appropriate time to note any cosmetic defects. Your
builder will be prepared to make notes of anything pending repair or attention. It is normal to
find some areas that are in need of paint touch up. Your builder will be prepared to mark these
with colored tape. We usually like two to three days after your Home Orientation to complete
items that need attention. You and your builder should discuss the follow up appointment, which
we refer to as the Home Orientation Sign Off.
Home Orientation Sign Off
A “sign off” is the final stage at which time you will sign off on any items that needed attention
from your initial home orientation. We should all expect your home to be at 100% and ready for
move in at this point. We created this 2nd step in our Home Orientation process for you, our
homeowner. We want you and your family to be completely satisfied with your new home.
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The Buying
Process
Closing
The final step has arrived. This appointment will be arranged by your sales consultant. The closing
of your home will take place at a title company. At this stage you will be taking title and ownership
of the home. A closing agent (escrow officer) will explain and guide you through the paperwork.
Depending on the type of loan you have secured, funds may be required at this appointment.
Title companies do not take personal checks so please be prepared with a cashiers check or
money order. You can have the funds wired directly to the title company as well.
Congratulations! Your are now the proud owner of an Armadillo Home. We hope it will bring you
as much joy as it has to us in helping you achieve the dream of homeownership.
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The Buying
Process
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3
The Building
Process
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Closing
Information
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FAQ’s
6
Description
of Materials
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Contacts
Mo rtg ag e In fo rm a tion
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Mortgage
Information
Welcome to our
Easy Home Loan Kit
Our TEAM is committed to being
there with you Step by Step.
Step 1: Getting Ready
Preparation
The following documents are required for each individual
applying for a home loan within 3 business days:
•
Paycheck Stubs — most current 30 day paycheck stubs
with year-to-date totals
•
W-2s/1099 — W-2s and/or 1099s for last the two years
•
Tax Returns — Last two complete tax returns with all schedules
•
Account Statements — The most current two month’s
statements for all savings, checking, investments and/or
retirement accounts
Step 2: Loan Application Process
Expectations
Information you provide in your completed Home Loan Kit
will assist your Loan Officer in selecting a loan program that
best fits your financial situation and preference. In addition,
your Loan Officer will:
•
Receive — A Loan Officer will receive your Home Loan Kit.
•
Conduct — A phone interview will be conducted to review the
information on the Express Form. A packet will be sent to you
with the loan application and all required disclosures.
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Mortgage
Information
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Obtain - A credit report for each person applying for the loan will be obtained.
•
Verify - Income, assets, and liability information contained in the initial Enterprise Express form will
be verified by verbal and/or written verifications.
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Mortgage
Information
•
Appraise - A licensed Appraiser will substantiate the value of the property you are purchasing.
•
Underwrite - A loan decision will be issued based on: income, assets, credit record, and property value.
Step 3: Interest Rate
Lock It In
You have the option to establish an interest rate guarantee or “lock” the interest rate during
the process up to ten business days before you’re closing. Please remember that interest rates
vary somewhat each day. Additionally, only you can make the decision to lock the interest rate
on your loan. Therefore it is your responsibility to contact your Loan Officer to determine the
interest rate and to “lock in your loan”.
Step 4: Closing
Final Steps
After your application is approved, your designated closing agent will coordinate a firm closing
date and time to coincide with the completion of your home. Here is what you can do to
ensure that your closing goes smoothly:
•
Homeowner’s Hazard Insurance - An insurance carrier will need to be selected 30-days prior to closing.
•
Documentation - All remaining documentation required to clear closing conditions should be delivered
to the requesting individual.
•
Closing - All individuals listed on the loan application are required to sign at closing.
•
Certified Check - Your closing agent will provide the dollar amount necessary for closing your loan.
All fluids should be in the form of a certified check.
HELPFUL DO’S AND DO NOT’S
DO
DO keep originals of all pay stubs, bank statements and other important financial documentation.
Your mortgage company is required to update any documents that are over 30 days old prior to the
closing of your mortgage loan. (This is required even if your loan is approved).
DO provide all documentation for the sale of your current home (i.e. sales contract, closing statement,
employee relocation/buyout program).
DO notify your Loan Officer if you plan to receive gift funds for closing costs.
DO notify your Loan Officer of any employment changes (i.e. change of employer, recent raise/promotion,
transfer, change of pay status, such as salary to commission scale, etc.).
DO NOT
DO NOT change jobs/employer without inquiring about the impact this change would have on the
approval/approvability of your mortgage loan.
DO NOT make major purchases during or prior to closing (i.e. new car, furniture, appliances, electronics,
etc.) as this may impact your qualification ratios. Please confer with your Loan Officer to have him/her
calculate what your ratios would be with any additional debts.
DO NOT obtain and/or deposit unusually large sums of money without notifying your Loan Officer.
FNMA/HUD guidelines require documentation as to the source of these funds (i.e. copy of bonus check,
copy of tax refund, copy of insurance settlement, gift letter with copy of check and deposit slips, etc.).
DO NOT close, open or transfer any asset accounts without acquiring the proper documentation
required for your loan file (i.e. if you transfer all the funds in your stock account to your savings
account, documentation is required).
DO NOT open or increase any liabilities, including credit cards, signature loans, etc., during the loan
process. Please check with your Loan Officer for any documentation that will be required and what impact
this would have on your qualification ratios.
Please be aware that as the loan process continues, additional information/documentation may be required. Other program
details and restrictions may apply. This is not considered an offer to make a mortgage or extend consumer credit. Rates and
terms subject to change without notice.
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Mortgage
Information
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Mortgage
Information
Do Not Miss the Document Checklist!
As a part of financing your new home we will need to review some of your financial information.
The information included in this package will only be reviewed by the individual processing
and approving your loan application. Providing us with the information below will make
your home financing go quickly. If you are unable to locate any of these items we will still
be able to process your loan using a verification method. However, you should know this
could slow down the process of your loan application.
Please send copies of the following:
Please check each box to indicate documentation attached or write N/A if not applicable:
q
Completed and signed Enterprise Mortgage Express Form
q
Most recent paycheck stubs covering a 30-day period for each borrower
q
Two months of most current and consecutive bank/investment/retirement statements
on all accounts (all pages)
q
Most recent two years’ W-2s and/or 1099s for each borrower
q
Most recent two years’ Federal tax returns for each borrower, including all pages and schedules
(if you are paid by commission or have other non-employment income)
q
If applying for an FHA loan, copies of borrower’s and co-borrower’s Social Security Cards
q
If applicable, complete copy of Recorded Divorce Decree(s) including all attachments if you pay
or receive alimony or child support income
q
If applicable, complete bankruptcy papers with all schedules and discharge papers for
bankruptcies within the last 7 years. Please provide a written explanation for the
circumstances of your bankruptcy
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Mortgage
Information
Additionally:
If you are Self-Employed:
•
Most recent tax returns and copies of 1040s and W-2s, 1099s and/or K-1s for each borrower (all pages)
•
Limited or General Partnership returns (if ownership interest is 25% or greater) and copies of form 1065
•
Sub-Chapter S-Corporation returns (if ownership interest is 25% or greater) and copies of form 1120 S
•
U.S. Corporation returns (if ownership interest is 25% or greater) and copies of form 1120
If you are not currently a United States Citizen:
•
Permanent Resident Alien – Copy of your “Green Card” also known as “Alien Resident Card.”
This may be form 1-151,1-751,1-551, a foreign passport reading processed for 1-551, or another
form issued by the Immigration and Naturalization Department. Please ensure you send a copy
of the entire document, including your photo and fingerprints.
•
Non-Permanent U.S. Resident Alien – Copy of your Visa. The Visa Looks like a passport, but is issued by
either the U.S. Immigration and Naturalization Department or by the Country of origin’s U.S. Consulate.
Also acceptable is the INS Department of Justice form which states the Visa classification approval for
all borrowers and when it expires. An “EAP” or “Authorization” card is not an acceptable substitution.
If you are applying for a Veteran’s Administration Loan:
•
Certificate of Eligibility and Discharge or Separation papers (DD2 14)
•
Verification of VA Benefit (Related Indebtedness)- complete and sign the original
(form is attached to application)
•
Completed Request for Determination of Eligibility and Available Loan Guaranty Entitlementcomplete and sign the original (form attached to application)
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Mortgage
Information
1
The Buying
Process
2
Mortgage
Information
3
4
Closing
Information
5
FAQ’s
6
Description
of Materials
7
Contacts
The Bu i l d i n g P roces s
Construction Release
A
Pre-Construction Meeting
B
Placing the Foundation
C
Framing the House
D
Roofing and Shingles
E
Mechanical Rough-Ins
F
Inspections and Insulation Installation
3
Pre-Drywall Orientation
J
Cabinets, Countertops and Ceramic Tiles
K
Management Teamwalk
I
Trim Added to Walls
H
Walls Covered
G
House is Complete
Customer Orientation
Landscaping Installation
Closing
Armadillo Homes Standards
Things to Expect
Customer Satisfaction
Q
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Armadillo Homes
Our Building Process
Introduction
The focus of Armadillo Homes’ building department
is Quality, Service and Predictability. Through various
means of communication, each person in the department is charged with the responsibility to build quality
homes in a timely manner and while being responsive
to the needs and requests of our buyers at all levels.
The following portion of this guide will show what goes
on after your home is released for construction.
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The Building
Process
A
Construction Release
During the construction release phase the Builder receives the plot plan, engineering design and
blueprints from surveyors and engineers to start the construction process. After the receipt of all
necessary documents, an electrical meter and temporary pole, which holds the meter, are ordered.
At this point, all building permits are requested.
The lot is then prepared for the foundation to be placed and building to begin. Trees, shrubs,
rocks, etc. are removed from all areas where the house and garage will sit. At this point the
drainage pattern for the lot is established and all trees, shrubs, rocks, etc. that would interfere
with drainage are removed. If the topography of the land is severely sloped, rock will be removed
to improve drainage and sloping. This stage takes approximately one week, except in cases where
extensive lot preparation is necessary.
Finally, the Builder places orders for critical house materials, usually consisting of cabinets,
brick, windows, etc. At the end of this phase all city building permits should arrive.
B
Pre-Construction Meeting
Prior to construction release, the Builder for your community approves the plans, elevations, options,
completes color sheet choices, and non-standard options (prepayment required). All flooring, brick and
cabinet selections must be made at this stage.
•
Plot Plan - The plot plan confirms the orientation of your home on the lot. It will also illustrate
the size of the yard and easements, showing where drainage will occur, utility lines will run and
your fence placement (if applicable).
•
Engineering Design - The Engineering Design depicts the foundation plan. Your foundation is
specifically engineered for the soil in the community your home will be built in.
•
C
Blueprints - Blueprints are required by the City for obtaining a building permit.
Placing the Foundation
The concrete contractor places the perimeter foundation form boards made of wood.
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The Building
Process
Concrete is placed in accordance with a structural engineer’s design.
Any required plumbing and electrical wiring is then installed so that it is available after the foundation
is set and framing begins. Before the foundation is poured, the plumbing installation is inspected by
the plumber and Builder to ensure correct placement.
Just prior to placing the concrete, the foundation will be inspected by the Builder and one or more
of the following parties: the structural engineer and/or County/City Inspectors.
After all the inspections are complete, the concrete is placed in the foundation, weather permitting.
Only concrete for the house and garage foundations will be placed at this time. Later in the construction
process all other concrete for patios, sidewalks, etc will be placed.
When the foundation form boards are removed, a grading sub-contractor establishes a rough grade of the
surrounding land. This is done to establish a proper work area for sub-contractors working on the home
throughout the home building process. It also allows for proper drainage around the slab.
D
Framing the House
Framing the house is then underway. Upon completion of framing, sub-contractors start working on the
cornice (exterior trim). The cornice installation consists of exterior sheathing, siding, soffit, fascia, windows,
exterior doors and the roof decking.
E
Roofing and Shingles
Tar paper, flashing and shingles are installed on the roof during this phase of building. You may hear
this process referred to as having your house “dried in.” This simply means that the interior of your
home has been protected from the elements and sub-contractors are now able to start work inside.
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The Building
Process
F
Mechanical Rough-Ins
All mechanical “rough-ins” begin after the shingles are installed. The heating, ventilation and air
conditioning (HVAC) system, plumbing, electrical wiring, phone and cable wiring, and pre-security
wiring (if applicable) is all run through the framing at this point.
G
Inspections and Insulation Installation
When all mechanical “rough-ins” have been completed the frame is then “punched out” to ensure the
construction meets local building codes and Armadillo Homes Quality Standards. This process allows
corrections to be made to the frame so that all necessary wiring, plumbing and ventilation is properly
placed in each location.
Electrical, plumbing, HVAC GreenZone testing and frame inspections then take place.
Upon approval of all “2nd inspections” the insulation is then installed into the frame.
H
Pre-Drywall Orientation
The Builder will call and schedule a time to conduct the Pre-Drywall Orientation. This is done after
inspections and before the frame is sheetrocked. At this stage of the home building process you are now
able to walk through your home with the Builder and check that all work up to this point is consistent
with the original floorplan you chose. This is a good time to check that all electrical outlets are where they
should be and ask any questions you may have about the home building process. Your Builder will let you
know how the construction schedule is moving and may reevaluate your estimated final date.
The exterior masonry, brick, or stone will most likely start to be applied just before or soon after the
Pre-Drywall Orientation is conducted.
I
Walls Covered
The installation of the sheetrock will give your new home walls. Once the sheetrock is in place,
the walls will be taped, bedded and textured where necessary.
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The Building
Process
J
Trim Added to Walls
The next step is to install all other interior material that needs to be painted or stained. This includes all
baseboards, crown molding, wainscoting (if applicable), shelving, handrail, chair rail, F-mold and interior
doors. In addition, interior paint will be applied during this phase.
K
Cabinets, Countertops and Ceramic Tiles
All cabinets are now installed in the home. At times, cabinets may be installed prior to painting.
Once that is completed, kitchen and bath countertops are added and necessary ceramic tile is placed.
Floor tile most likely will occur at this time, although it may be placed when other flooring is put in
further in the process.
All plumbing, HVAC and electrical trims will then be completed. After completion all mechanical
systems will again be inspected.
L
Management Teamwalk
Now that all of the major items in your home have been completed, sub-contractors add the finishing
touches: mirrors and shower doors are hung in the bathrooms, hardware is added, all floor tile is
completed, etc. Finally, the last step in most homes will be the addition of carpeting, vinyl flooring,
wallpaper (if applicable) and wood flooring (if applicable).
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The Building
Process
M
House is Complete
Before the house is final, City inspections will be completed and final utilities installed. After the
City inspection is complete, the Builder inspects the home and compiles a list of any corrections
that need to be made to the house. When the list is completed, the home is turned over to the
Management Team who also inspects it and checks that no other corrections need to be made.
If there are additional corrections, changes are made to the list. The Builder then coordinates to
ensure that all corrections are addressed and completed.
After the Management Team has walked the home, the Builder/Sales Associate will call you
to schedule a Customer Orientation.
N
Customer Orientation
During the Orientation, the Builder will walk through the home with you. If you or the Builder notice
any corrections that still need to be made, they will be itemized on the Customer Orientation Form.
The Builder will have the necessary corrections completed as soon as possible.
Only when all items are corrected and meet your standards as well as Armadillo Homes’ standards, will
your Builder be authorized to send your home to closing.
Also during this meeting, the Builder will go over the Armadillo Warranty Program and the procedures
set up to request warranty service. Every Armadillo home is covered for:
3
•
1 Year Cosmetic Coverage
•
2 Year Mechanical Systems Coverage
•
10 Year Structural Coverage
Please refer to the Armadillo Protection Plan for more detailed information regarding
the Armadillo Warranty Program.
The Building
Process
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Landscaping Installation
Landscaping will be installed prior to closing, weather permitting. Otherwise, it will be installed
shortly after closing.
P
Closing
Closing on your home will take place after you have finalized all financing with your mortgage company
and have signed all necessary paperwork from the Title Company and the affidavit. Any remaining balance
that is due from you must be collected in the form of a cashier’s check. Also, your lender must include
a check with the closing document or must wire funds in the amount of their remaining balance to the
Title Company. The Title Company must confirm this exchange of funds before the house can close. When
funding is complete, the Title Company will give you your keys. If applicable, you may pick up mailbox
keys directly from the U.S. Post Office.
Finally, you will need to transfer all utilities to your name within three business days of your closing.
Q
Armadillo Homes Standards
Armadillo Homes has prescribed building standards and tolerances that must be met. These standards
and tolerances conform to or exceed all building codes. Your home will meet or exceed the standards,
however, some tolerances will be evident. The Model Home meets Armadillo Homes’ standards. While
options and selections with the Model Home may differ from your home, the tolerances and standards
are the same.
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The Building
Process
R
Things to Expect
During construction things will happen that are unexpected: windows may break, sheetrock may be
damaged, sub-contractors may make mistakes, etc. The Builder is aware of these items and will address
them in a timely manner. At times, a “timely manner” may be towards the end of construction when no
further damage will be allowed to take place. Therefore, if you do not see corrections to areas that need
to be fixed within a few days time, this is most likely the decision of the Builder, but they will be fixed
before the completion of your home.
S
Customer Satisfaction
A “Customer Satisfaction Questionnaire” will be given at time of closing. Your feedback is important
to us as we continue to look for ways to improve. Armadillo Homes strives for perfect scores, so if
at any time during the building process you feel that we are not earning high scores, please let us
know immediately.
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The Building
Process
1
The Buying
Process
2
Mortgage
Information
3
The Building
Process
4
5
FAQ’s
6
Description
of Materials
7
Contacts
Cl o si ng Info rm a tion
4
Closing
Information
Armadillo Homes
Closing Information and Contact Guide
The closing agent will generally be responsible for preparing or ordering all the documents for your
closing. You shouldn’t have to worry about ordering any of the certifications or other documents. However,
you are responsible for the following, which you must bring to your closing:
•
Your homeowner’s insurance policy and any other required insurance policies you’ve taken
out, along with proof of payment (if not already provided). In most cases, if not all, the lender
will require a review of the homeowner’s insurance policy and proof of payment prior to
scheduling the closing.
•
A certified check for all closing costs, including the remaining portion of your down payment.
You can get this figure a day or two before your closing from your closing agent. In fact, you are
entitled to a copy of the HUD-1 Settlement Statement a minimum of 24 hours prior to the
closing of the loan. This statement itemizes the services provided and fees charged to you.
These fees should be negotiated prior to the closing.
•
An Identification Card that includes your full name and photo.
San Antonio Division
First American Title
14206 Northbrook Drive
San Antonio, Texas 78232
P: (210) 662-0066
F: (210) 798-5062
Laredo Division
Neel Title Corporation
1202 Welby Ct.
Laredo, Texas 78041
P: (956) 723-6346
Austin Division
First American Title
12401 Research Blvd.
Bldg. 2 Suite 150
Austin, Texas 78759
P: (512) 794-8368
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Closing
Information
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Closing
Information
1
The Buying
Process
2
Mortgage
Information
3
The Building
Process
4
Closing
Information
5
6
Description
of Materials
7
Contacts
F A Q ‘s
5
FAQ’s
Questions & Answers
I am a first time homebuyer, what can I expect now that I have signed a contract?
What is the next step?
Now that you have selected your floorplan, lot, and completed the contract, your sales professional
will fax your Loan Express Form along with the contract over to the mortgage company. You should
receive a call from them within 24 to 48 hours to set up an appointment or request other information.
You will meet your loan officer, sign disclosures and a commitment letter is issued.
Once all permits are received, which takes approximately 65 days, the book is complete and released
to the Builder in your community. Your Sales Professional is notified and will call you to set up a
Pre-construction Orientation Meeting with your Builder. Your Builder will go over your upgrades,
a projected time schedule and answer any questions you may have about the construction of your
home. The next meeting you will have is your Frame Walk; this meeting will take place at your home.
You and your Builder will walk the frame of your home and go over some of your upgrades again (i.e.
verify phone and cable jacks and look at where your electrical outlets are.) After the frame walk your
home reaches sheetrock stage. At this point, closing is a few weeks away. You should be in touch with
your mortgage company to discuss any documentation they may need as well as decide what insurance
company will carry your homeowners insurance. You will be contacted with the funds you will need to
bring to the closing table if applicable.
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FAQ’s
If you have a home to sell, at this point that home should be under contract or already sold. The next
step is your Home Owner’s Orientation. This walk through is at your home as well and you meet with
our QA Representative. He/she discusses the interior and exterior, going over the quality that was put
into your Armadillo Home. Any items needing to be fixed will be documented and given to your Builder
to complete before your Final Walk-Through. Two to three business days later you will have your Home
Orientation Sign Off; this is your Final Walk-Through. You meet the Builder back at your home and
they will go over any items that needed to be fixed and make sure they are complete. You then
sign-off on the home. Your closing usually takes place later that day or the next day.
Is it OK for the buyer to hire a private third party inspector before closing on the home?
Yes, we always offer that option to our homebuyers. Our Sales Professional will advise you when the
home is ready to have your inspector come through the home. Please make sure that your inspector
is prepared to provide a copy of his report to the Armadillo Sales Counselor no later than the day after
the inspection to allow sufficient time for our construction team to review and address any concerns
that might be noted on the inspector’s report.
After we have closed and moved in who do we contact with any questions
or concerns about our home?
You should contact Armadillo Homes Customer Care Department. There is a form on our website
(armadillohomes.com) to be submitted to customercare@armadillohomes.com.
Who do I contact if I have a question about my home while it is under construction?
You should contact your Sales Professional.
Who do I contact after I close to remove a temporary meter from my yard?
You should contact your Sales Professional.
What is a walk-through? And when is it done?
The industry term for walk-through takes on an important role at Armadillo Homes. We don’t just
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FAQ’s
“walk” you through the home, we conduct a full orientation of the home with a specialist that will be
telling you about many of the important things you will want to know about maintaining your home
after move-in. Our Homeowner Orientation takes place a few days prior to closing and will take
about two hours. Since we have a lot to cover with you in a short time, we recommend that you make
arrangements to come without your children for this important meeting. If you have any questions
regarding the home warranty, please bring them up at this meeting.
How does the warranty process work?
Whenever you have a warranty issue, email Customer Service at customercare@armadillohomes.com,
including your contact information and the date you closed on your home. Customer Care will then have
a Warranty Tech contact you to schedule an appointment and resolve the issue.
When will my front sod be installed?
We strive to have this completed upon closing, but if not, within 7 to 10 business days after closing.
How do I set up my mailbox?
Visit the nearest Federal Post Office with your Closing Settlement Statements to be issued the keys
to your community mailbox.
Do I get to meet my builder?
We will set up a mandatory pre-construction meeting for you to discuss the construction process and
selections of your home. At this time you will get to meet your Armadillo Homes builder in person!
5
FAQ’s
5
FAQ’s
1
The Buying
Process
2
Mortgage
Information
3
The Building
Process
4
Closing
Information
5
FAQ’s
6
7
Contacts
Description
o f Mate ri al s
6
Description
of Materials
Armadillo Homes Description of Materials
E N E R G Y S TA R
What is ENERGY STAR –
ENERGY STAR is a voluntary Federal Government program under the
auspice of the Environmental Protection Agency which assists businesses and consumers in overcoming
market barriers and allows them to realize the cost savings and environmental benefits of energy
efficiency investments.
ENERGY STAR & Armadillo Homes – Armadillo Homes is one of the few certified ENERGY STAR
builders in the San Antonio, Laredo and Austin residential home building markets. To qualify, a home
builder must be certified as having established construction processes and procedures and use
materials and products conducive to achieving the program goals. Additionally, the homebuilder
must have had homes tested by a 3rd party verifier according to the sampling protocol guidelines
established by the EPA.
What does this mean for the Homeowner – The EPA estimates that in 2004, 125 billion kilowatt
hours of energy or 4% of total consumption was saved by the whole ES Program. This translates to
$10 billion saved on utility bills, 25 GW of peak power avoided and the prevention of 30 million metric
tons of greenhouse gas emissions. It means real energy savings over the life of your home and a better
quality of life for you and your children.
EXTERIORS
Foundation – Armadillo Homes selects the foundation type and commissions engineering designs
consistent with the characteristics of the soils and topography of each particular community.
For instance, in the San Antonio Austin Corridor, as
many as seven of the basic geological features of Texas
are found. Each one has unique characteristics - such as
heavy clay soils in the Black Land Prairies strata or the
rocky limestone outcroppings of the Edwards Plateau which require unique design criteria and considerations.
Monolithic or Traditional Slab – Sometimes called a
conventional foundation. Concrete has tremendous
compression strength, but very little tensile strength.
The tensile strength, or tendency to resist breaking
when bending pressure, is attained from the steel rebar
placed in the beam sections and mat layer of the slab.
This rigid type of foundation works well with structures
that are basically square or rectangular and where
bearing soils are uniform and consolidated.
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Description
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This foundation type also lends itself to the high topographic characteristics found on the north side of
San Antonio and the west side of Austin where the undulating beauty of the Texas Hill Country can make
for challenging site conditions.
Post Tensioned Slab – This type of foundation is a more recently accepted engineering design
translated into home building after first being used in road and bridge construction of the Glenwood
Canyon section of I-70 in Colorado in the late 50s and early 60s. The tensile strength of the foundation
is achieved by the use of steel cables tensioned to thousands of pounds per square inch 7 to 10 days after
the concrete has been placed. Because of the steel cables, it is more flexible than a traditional monolithic
foundation and performs well in high clay soil conditions where a dramatic change in the moisture content
of the clay causes it to expand and contract. This expansion and contraction in turn can cause the foundation
to move up or down resulting in what engineers call deflection. This type of foundation is designed to
manage this type of soil movement.
Moisture and Foundation Performance – Slab movement is most often a reflection of changes in
the moisture content of the soil on which it rests. Moisture underneath the center of the slab is generally
stable while the moisture at the perimeter is subject to change due to seasonal weather conditions such
as evaporation from drought or inundation during wet periods, poor drainage, or moisture removal by
the root systems of trees. Armadillo Homes pays close attention and allocates substantial resources to
the mitigation of these conditions from the initial conceptual land use design, to the exaggeration of
drainage swales during construction. Our landscaping packages, whether full sod front and back or our
xeriscape option, are designed to both move water off the lot during heavy rainfall or maintain the
moisture during dry spells.
F raming
Engineered components – Since the components are constructed off-site in a controlled manufacturing
environment, the finished product is more likely to be a structurally better result than one constructed with
conventional framing methods. Also, since there is less chance of dimensional errors being made, materials
are used more efficiently. The result is a cost efficient product that will be assembled in less time, with fewer
cracks in the drywall and fewer floor squeaks over the life of the home. Options include 9‘ ceiling heights, and
vaulted or coffered ceilings in living areas and master bedrooms on many plans.
Radiant Barrier Roof Sheathing – This is a very energy efficient product that achieves an insulation value
by reflecting a portion of the sun’s radiant energy away from the home and out of the attic. We offer this
as a standard feature to our customers as another way of achieving an energy efficient home.
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Description
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OSB (Oriented Strand Board) Decking – This product resists warping especially during wet periods
while the home is under construction and is resource friendly because it is made out of materials – wood
chips – that would normally be discarded.
Roofing – Our standard composite roofing shingles have a 20-year warranty, are fire resistant, and are
complimented by ridge vents or static roof vents depending on the roof design. The ventilation cycle is completed
with perforated soffits so that as the attic heats up, cooler outside air is pulled into the attic through the
eave by convection and up and out through the ridge or static vents. The result is a cooler attic and lower utility
bills. As an option, we offer a dimensional shingle for a more natural look with a 30-year warranty.
E x terior F inishes
Brick – This is a traditional, aesthetically pleasing, fire resistant,
low maintenance exterior veneer that is available in a multitude
of colors and styles made of clay or limestone.
Fiber Cement Siding – This product is the dominant
market choice of discriminating homebuyers. It is fire
resistant, rarely needs painting and is not on the dining
menu of those pesky termites!
Stone – This is another beautiful exterior veneer that is low
maintenance, fire resistant and comes in locally quarried
colors, shapes and sizes. Additionally, we offer eight different
combinations of brick and stone on the D elevations of our
Hill Country Series of home plans.
G arage O v erhead D oors
Garage Doors – Constructed of durable 25-gauge steel
raised panels, they provide high security when locked or used
with an opener (optional). They have a baked on finish and
are warranted for 10 years against rust and corrosion by the
manufacturer with an additional year on parts and labor.
Garage Door Opener – Openers provide ease of entry
into garage and higher security for the homebuyer who can
exit their vehicle in a secure environment. They come with an
electric eye that prevents accidental closure on children,
pets or objects.
L andscaping
Traditional – Our traditional landscape package comes
with drought resistant sod, such as bermuda Tifway 419,
and a compliment of shrubs and two trees.
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Description
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W indows
We use double pane windows for energy efficiency and low E glass for energy savings and the protection of
interiors from fading. A decorative divided light pattern at front elevations is standard. Windows are sealed
with a moisture barrier during construction to prevent moisture leaks and ambient air movement.
E x terior D oors
Front Door – A high security insulated door, with viewer and deadbolt locks for security is standard.
An array of beautiful solid wood doors with glass inserts are available as upgrades.
Rear Door – A dead bolt for security and stylish glass construction at the rear door is standard.
O ther E x terior F eat u res
Also included are a decorative coach light at the front of the garage, a front doorbell with centrally
located chime, weatherproof GFCI electric outlets at front porch and rear patio or stoop depending on
your selection, and two outdoor faucets – front and back.
INTERIORS
Laminate Tops – Our standard Wilsonart® tops are
easy to clean, come with a continuous backsplash and
are available in a rainbow of colors and textures.
Silestone Tops – For additional value, this is a surfacing
product that is 93% quartz and 7% resins. The result
is an extremely dense product that is stain, scratch
and heat resistant. It does not require any sealers and
comes in a myriad of colors. It is available with top
mounted or under-mounted sinks.
Granite Tops – For the ultimate natural surfacing
material, nothing says luxury and durability like granite.
It is available in various colors and patterns.
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Description
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Cabinets – Oak picture frame cabinet fronts with
washable laminate interiors and adjustable shelves are
standard. Upgrade options include raised panel fronts
and doors, 42-inch uppers and crown mold accents –
all in a wide array of wood species and finishes.
A ppliances & F i x t u res
Appliances – Nationally acclaimed GE®
Manufactured Appliances.
Range – The standard range has a 4.65 cubic foot
capacity oven, with Clear View™ Window.
Dishwasher – This appliance exceeds ENERGY STAR
performance specifications, comes with 4-level
PowerScrub™ wash system and will provide years of
service. Upgraded models are available with expanded
features and performance.
Vent Hood – With a variable 2-speed fan control and
cooktop light, our standard is a recirculation model with a
removable grease filter. Exterior venting is available on
most plans as an option.
Sink – The standard kitchen sink is a 22 gauge seamless, self rimming, six inch deep, stainless steel sink that
is polished to a buffed finish. Upgrades are available.
Faucet – Our standard is a Delta® single or double
handle faucet (depending on the plan series) with
an attractive chrome finish. Upgrades include a variety
of finishes.
Water Heater – An energy saving double element electric or gas, depending on the utility service
to the community, water heater is standard. Select few plans will require two water heaters due the
number of baths.
Soft Water Systems – As an option, we can pre-plumb your home for a system which you install later
or we can include the full system so you do not have to worry about it later.
Other – Our plans provide a water line to the refrigerator space for the ice maker, a heavy duty horsepower
disposal, and plumbing piping for fewer connections to malfunction and longer performance.
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Description
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B aths
Cabinets – Oak picture frame fronts, washable laminate
interiors and adjustable shelves are standard. The same
upgrades are available for the kitchen can be chosen here.
Counter Tops – Easy care cultured marble is the standard.
Optional second lavatory in master and even hall baths
on some plan series are available.
Water Closets – A water saver round front toilet is
standard with the option to upgrade to elongated.
Plumbing Fixtures – We use Delta® scald guard valves
in an attractive chrome finish as standard with several
upgrades available in the baths. Oversized garden tub
and separate shower with glass shower enclosure is optional in some neighborhoods..
Other – Rehau Pex® plumbing system for enhanced
performance and durability, washable latex paint for
easy cleaning.
H V A C & E nerg y S a v ing F eat u res
HVAC Equipment – A Goodman® brand 14 SEER heat pump is our choice for most reliable system
to heat and cool your home. Duct sizing is consistent with ACCA Manual D calculations and the Senate
Bill 5 mandates of the State of Texas. Supply outlet grills feature a low profile curved blade style for
the greatest throwing capacity and are configured in each room to blow toward the wall with the
greatest solar heat gain – usually the outside wall or the wall with the most windows. We include a
Honeywell® programmable digital thermostat with battery backup as standard. Media filters are also
available as upgrades.
Insulation – R-13 Walls and R-38 Attic are the standard insulation specifications used in all our homes.
Weather stripping is used on all exterior doors and poly foam sealant at sole plates, top plates and
corners on exterior walls is the normal practice for mitigating ambient air movement.
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Description
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F looring
Congoleum ® vinyl – This product is recognized by 80% of consumers and provides easy care,
durability and comes in many stylish choices and option levels. The base level Prelude® is warranted
against wear out, mildew, asphalt stain, gouge, rip, tear or indent for 5 years.
Shaw® carpets – Available in a variety of choices and styles with a 5 year limited warranty. Shaw® carpet is
a natural insulator as well as noise muffler, and the non-slip walking surface reduces leg fatigue. 75 percent
of all flooring choices in new homes are for carpet. Prior to making your selections, it is advisable to review
the colors of your furnishings and accessories and determine your decorating goals.
Do you want the carpet to make a statement or be a subtle background for the other décor motifs? Decide
how much area of your home will be carpeted and which selections will be made for the purpose of utility
and which will be made for elegance. We offer upgrades which will enhance the beauty and enjoyment of
your new home in a myriad of man-made fibers including nylon, polypropylene and polyester. Carpet is rated
according to face weight, density and twist/tuft bind in the Shaw Home Foundations® Carpet Comparison
System which assigns certain numerical ratings to these characteristics. These numbers can be found on the
back of every carpet sample.
O ther I nterior F eat u res
Drywall and Paint – We offer Monterey drag texture finished with paint from Monarch/PPG Paint®
as standards. Our drywall is applied to framing with screws (not nails) for better resistance to cracking
and nail pops.
Door Hardware – Kwikset® Polo knobs with a satin nickel finish for the hardware and deadbolts on
front and rear doors are standard.
Wiring – All homes are pre-wired for cable TV, telephones, ceiling fans, and a garage door opener. Our standard is 2 phones and 2 cable outlets on each plan, however additional outlets can be opted.
Options are available for intercom systems as well as structured wiring.
Ventilated Shelving – All closets, linens, utilities and pantries have durable, sturdy, easy to clean and
attractive wire shelving by Rubbermaid® installed.
Safety Features – Smoke detectors are installed in all bedrooms and in the hall outside the bedrooms.
A viewer or “peephole” is included with all front doors and Security Alarm Systems are pre-wired in all
homes. Fully trimmed systems are optional in some communities and standard in others.
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Description
of Materials
6
Description
of Materials
1
The Buying
Process
2
Mortgage
Information
3
The Building
Process
4
Closing
Information
5
FAQ’s
6
Description
of Materials
7
Co ntac ts
7
Contacts
San Antonio
Armadillo Homes Contact Information
1604
1604
San Antonio/Austin Division
14206 Northbrook Drive
San Antonio, Texas 78232
P: (210) 662-0066
F: (210) 798-5062
281
35
410
LOOP
20
LOOP
.
h Rd
Shilo
35
20
Dr.
on
ers
Ph
Mc
281
410
Bob Bullock Loop
83
Del Mar Blvd.
McPhe
rson
Dr.
81
LOOP
20
Laredo Division
1414 E. Del Mar Boulevard, Suite B
Laredo, Texas 78045
P: (956) 724-1811
Laredo
F: (956) 724-1817
W. Saunders St.
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Contacts