BUILDER AND REMODELER MEMBERS

BUILDER AND
REMODELER MEMBERS
2015
A Practical Guide to Start Your Next Home
Building or Remodeling Project
www.PghHomeBuilders.com
Make mealtime
Memorable
Artesso Kitchen Collection
It’s your home.
When you re-imagine your space, it’s your life that gets a redesign.
Transform yours with all the details that make home a happy place.
Our showroom product experts share your passion for getting it
right, helping you select the perfect products for your building or
remodeling project.
Cranberry Township 1214 Freedom Road (724) 742-2330
FERGUSON.COM
©2015 Ferguson Enterprises, Inc.
The Builders Association of Metropolitan Pittsburgh (BAMP)
is one of the oldest builders associations in the country.
Founded in 1938 by a group of Pittsburgh area builders, the
association has grown to over 600 companies in Southwestern PA.
The non-profit trade organization is comprised of homebuilders,
remodelers, light-commercial contractors and associated businesses
including suppliers, trade contractors, lenders, product
manufacturers, utilities, realtors and other licensed professionals
including architects, engineers, and attorneys.
The Association’s primary purpose is the promotion of home
ownership and the improvement of the residential building industry.
Members of BAMP adhere to a code of ethics that recognizes a
paramount responsibility to its customers, community and country.
Builders Association of Metropolitan Pittsburgh
2041 Boulevard of the Allies
Pittsburgh, Pa 15219
Phone: 412-434-5690
Fax: 412-434-5695
www.PghHomeBuilders.com
pg 2.
Presented by Harvest
Associates L.P., Please
contact Bret Rankin,
Project Manager at
724-327-5755 x215.
Doing research BEFORE you start a project is
the single-best step to ensuring your
satisfaction and that the job is done right.
TIPS & QUESTIONS TO GET STARTED
 Ask how long have they been in business? What types of work
and written warranty do they provide?
 Obtain the names and contact information of current and previous customers, the type of projects and which suppliers they will use. (Make sure they are recent and similar to your project)
 Don’t just obtain them, take the time to CHECK THEM!
 Do they seem accessible? Ask what level of involvement you will have with the project?
 Will they provide a written estimate of the project that clearly
outlines the work to be performed and a breakdown of expenses? This is a must!
 Will they provide a written contract? DON’T START without it!
 Be VERY cautious of unusually low-priced bids, always get more than one and compare.
 Ask about the construction specifications and required
independent, government, inspections.
 If remodeling, ask about the demolition, cleanup process and the EPA lead paint regulations if your home was built before 1978.
 Ask for copies of current worker’s compensation and general
liability insurance. Is it appropriate to the size of your project?
pg 4.
PROTECT YOURSELF:
Hiring a reputable
Home Builder/Remodeler
If you are thinking of building a new
home, or are preparing to make
renovations to your existing home,
there is some important information
you should know. Pennsylvania has
statewide building standards—the
Uniform Construction Code—which
requires all new homes or structural
remodeling projects to be completed to specific minimum standards, or
above, and provides for inspections
to verify work has been performed in
accordance with this government mandated requirements.
Apart from the Uniform Construction
Code, as a consumer you should be
aware of the Home Improvement Consumer Protection Act...a system put
in place to ensure quality work and a
positive remodeling experience. This
law requires all home improvement
contractors that work in Pennsylvania to be registered with the state Attorney General’s Bureau of Consumer
Protection. In addition to registering
with the state, home improvement contractors are required to provide written estimates, contracts and change
orders under certain guidelines provided in the law. The law also limits how
much money the consumer must pay in
advance of the project. (Never pay
for the full amount upfront.) Regulated contractors are also required to
provide consumers and potential customers with their registration number
and other information so customers may
investigate and verify the contractor’s
registration status. You may verify if a
contractor is registered by visiting the
Attorney General’s website at, http://
hicsearch.attorneygeneral.gov.
While the law requires contractors performing remodeling work, renovations
or repairs—not new home builders- to
register with the Pennsylvania Attorney General’s office, this registration
is not an endorsement of their honesty
or quality of work. For this reason, we
always recommend doing business
with a BAMP (Builders Association of
Home Builders) member. Members of
BAMP and our affiliated state and national professional trade associations
are established contractors, often certified in a special area of construction,
and are truly invested in their profession. Members are constantly seeking
industry based education and are up-todate on the latest technology, techniques
and construction requirements in their
commitment to the highest quality,
integrity and standards in the industry.
pg 6.
Additions
Kitchens
Bathrooms
Renovations
Commercial
& Residential
412.257.0160
Housing Excellence
Award Winning Builder
prime1builders.com
It's GOTTA Be From Rex!
www.RexGlass.com  (412) 921-7777
Showroom Locations
MCMURRAY: 2903 Washington Rd, 15317
KENNEDY: 108 Kisow Dr, 15205
SHADYSIDE: 5871 Ellsworth Ave, 15232
Area
Price Range
$7
5
75
0,
00
0
0
0
00
00
0,
0,
60
-$
-$
45
00
r
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od
m
0
00
Re
0,
00
00
,0
,0
00
er
Ov
$6
50
,0
-$
00
00
$3
,0
er
00
$4
$3
d
Un
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NO
A & R Development Co.
Leon Chiri
(724) 695-1299
A. R. Building Company
John F. Thompson, Jr
(724) 741-2303
A. Richard Kacin, Inc.
A. Richard Kacin/Bruce Corna
(724) 327-6694
www.kacin.com
 
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Abraham Homes
Thomas Abraham
(724) 539-3150
www.thomasabrahamhomes.com
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AC Remodel
Glenn Christy
(724) 339-1790
www.acremodel.com
Accent Contracting Corporation
Patrick Folan
(412) 367-8508
www.accentcontractingofpgh.com


Advanced Construction
Rick Mulvihill
(412) 821-9780
Albert E. Horn, Builder
Albert E. Horn
(724) 709-8275
AquaGuard Systems, Inc.
Tom Gallagher
(412) 727-6218
www.aquaguard-pittsburgh.com
 
Aspen Valley Contracting, Inc.
Mike Kelly
(412) 365-0500
Bachman Builders, Inc.
David Bachman
(412) 264-4069
www.bachmanbuilders.com

Barrington Homes Incorporated
Mark Heinauer
(412) 655-8999
www.barringtonhomespa.com
pg 9.
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Area
Price Range
5
00
$7
,0
00
75
0,
00
0
0
0
00
00
0,
0,
60
-$
-$
45
r
el e
od
m
0
00
Re
0,
00
,0
00
Sam Lucci
(724) 378-5000
www.bathfitter.com
er
Ov
$6
50
,0
-$
00
00
$3
,0
er
00
$4
$3
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NO
Bath Fitter
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
Benjamin Marcus Homes, LLC
Mark Hoskins
(724) 941-8480
Bertolino Construction, Inc.
Larry Bertolino
(412) 856-0877
Brennan Builders, Inc.
Robert A. Brennan
(724) 865-2929
www.brennanbuilders.com
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C J Betters Enterprises, Inc.
Robert Lingenfelter
(724) 375-6170
Controlled Climate Systems, Inc.
Amy Jennings
(724) 745-3750
www.controlledclimatesystems.com
 
Crossgates, Inc.
Arthur Schwotzer
(724) 941-9240
D & R Quality Builders, Inc.
Ron & Don Goodwin
(724) 626-1253
www.dandrquality.com

D M Brentzel Builders
Dennis Brentzel
(724) 861-5880
www.dmbrentzelbuilder.com
Dan Ryan Builders
Shaun Seydor
(724) 939-1015
www.danryanbuilders.com/pittsburgh
Daniel A. Parise Building Contractor
Daniel A. Parise
(412) 371-1321
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Daniel E. Brentzel Construction Co, Inc
Daniel Brentzel
(724) 744-2784
pg 10.
Area
Price Range
$7
r
el e
od
m
0
00
Re
0,
5
-$
75
00
0
0
0
00
0,
0,
00
Ted DeCesare
(724) 325-3840
60
0,
DeCesare Corporation
00
-$
45
David W. May
(412) 781-3326
,0
00
David W. May General Contractor LLC
00
,0
00
Daniel R. Sosso
(724) 935-6766
www.sossobuilders.com
er
Ov
$6
50
,0
-$
00
00
$3
,0
er
00
$4
$3
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Daniel R. Sosso Builder, Inc.
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Deck The Yards LLC
Robert Viviano
(412) 778-4100
www.wowdecks.net
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Deklewa Home/RDC, Inc.
John Deklewa
(412) 257-3235
www.deklewahome.com
Disaster Restoration Services
John J. Botti
(412) 362-7000
Donald A. Paulone Custom Built Homes
Donald A. Paulone
(724) 832-3506
www.paulonecompanies.com
DSA Builders, Inc.
David Augustine
(412) 767-0890
Eddy Homes, Inc.
David D. Moritz
(412) 221-0400
www.eddyhomes.com
Executive Developers, LLC
Chris Cinker
(724) 935-3932
www.executivedevelopers.com
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  
FireDEX Pittsburgh
David Hood, CR, CGR, CMR
(412) 487-3332 x 115
www.firedexpgh.com
G. S. Jones Restoration Consulting
Scott Jones
(412) 766-6886
www.gsjonesrestoration.com
pg 11.
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Area
Price Range
$7
5
75
0,
00
0
0
0
00
00
0,
0,
60
-$
-$
45
00
r
el e
od
m
0
00
Re
0,
00
00
,0
,0
00
er
Ov
$6
50
,0
-$
00
00
$3
,0
er
00
$4
$3
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EA
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SO
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RT
NO
Glunt Contracting
Dennis Glunt
(412)422-4114
Graf Custom Construction, LLC
Curtis Graf
(724) 841-5226
www.grafcustomhomes.com
Grasinger Homes, Inc.
John J. Grasinger
(412) 793-6449
Heartland Homes, Inc.
(412) 356-1200
www.heartlandluxuryhomes.com
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Heurich Construction, Inc.
Ronald Heurich, Jr.
(724) 935-3526
Hoppel Construction, Inc.
James Hoppel
(724) 586-7474
www.hoppelconstructioninc.com
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Horn Corp.
Ed Horn
(724) 242-0040
www.horncorp.net
    
IDC, Inc.
Stephen L. Parker
(412) 391-2500
Infinity Custom Homes
Scott Blodgett
(412) 853-6386
www.buildinfinityhomes.com
 
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Integrity Construction Co., Inc.
Jason Lardo
(412) 450-8019
www.builtwithintegrity.com
J & J Homes Company
Terrence S. Jacobs
(724) 468-8232
J. Francis Company, LLC
John McCloskey
(412) 322-6407
www.jfcollc.com
pg 12.
Area
Price Range
$7
5
75
0,
00
0
0
0
00
00
0,
0,
60
-$
-$
45
00
r
el e
od
m
0
00
Re
0,
00
00
,0
,0
00
er
Ov
$6
50
,0
-$
00
00
$3
,0
er
00
$4
$3
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RT
NO
J. W. Cummins Plumbing, Inc.
John W. Cummins
(724) 774-5890
JAD Contracting, Inc.
Jeffrey DeZulovich
(412) 334-6429
  

John Hobart Miller, Inc.
Patrick A. Miller
(412) 963-8842
www.johnhobartmiller.com
Jonlor Developments, Inc.
John L. Rizzi
(412) 835-4822
www.jonlordevelopments.com
Keith Homes

Matthew Keith
(724) 223-0285
www.keithhomes.net
Koch Construction Co., Inc.
Kent Koch
(412) 292-8389
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KP Builders, Inc.
Kyrk Pyros
(412) 921-4381
www.kpbuilders.com
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Kress Brothers Builders
Bradley Kress
(724) 443-2850
www.kressbrothersbuilders.com
LAD Construction Company, Inc.
Leon A. Dwinga, Jr
(412) 279-0250
www.ladconstruction.com
   
Laurel Development
Marty Gillespie
(412) 853-7317
LEAA Enterprises, Inc./BEAM Contracting
Lisa Beam
(724) 864-8868
Legacy Remodeling
Jeff Moeslein
(412) 341-1933
www.legacyremodel.com
pg 13.
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Area
Price Range
$7
5
75
0,
00
0
0
0
00
00
0,
0,
60
-$
-$
45
00
r
el e
od
m
0
00
Re
0,
00
00
,0
,0
00
er
Ov
$6
50
,0
-$
00
00
$3
,0
er
00
$4
$3
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NO
Londonbury Homes, Inc.
Dion P. McMullen
(412) 276-3333
www.londonburyhomes.net
Lux Design and Contracting, LLC
Kevin Luksik
(412) 780-8497
www.luxcontracting.com
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Luxe Home & Design
Brent Hugus
(412) 661-1416
www.luxepittsburgh.com
Madia Homes, Inc.
Frank J. Madia
(724) 934-1777
www.madiahomes.com
Master Remodelers, Inc.
Regis McQuaide
(412) 341-6585
www.masterremodelersinc.com
 
Masterpiece Homes
Joe Counihan
(412) 264-3549
McMeekin Constracting Inc.
Joseph McMeekin
(412) 371-2222
Michael Ricciuti Construction LLC
Michael Ricciuti
(412) 793-8855
www.michaelricciuticonsrtuction.com

  
Milberg & Associates, LLC
Andrew A. Zborovsky, Jr.
(412) 271-4050
www.milbergandassoc.com
Millcraft Investments
Marcus Piatt
(724) 229-8800
www.millcraftinv.com
Minnock Custom Builders
Patrick J. Minnock
(412) 366-4770
www.minnockrealestate.com.com
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Mitchell Development Company
Steve Mitchell
(419) 841-4831
pg 14.
The BAMP Builders Showcase
Dan Ryan Builders
Booth 1819
DanRyanBuilders.com/Pittsburgh
Parry Custom Homes
Booth 1816
experienceparry.com
Prime 1 Builders, Inc.
Booth 1825
prime1builders.com
pg 15.
proudly presents these members!
Primrose Homes Inc.
Booth 1818
PrimroseHomesInc.com
TK Carpentry &
Construction, Inc.
Booth 1821
tkconstructioninc.com
Terra Building Group
Booth 1826
TerraBuildingGroup.com
pg 16.
Area
Price Range
$7
5
75
0,
00
0
0
0
00
00
0,
0,
60
-$
-$
45
00
r
el e
od
m
0
00
Re
0,
00
00
,0
,0
00
er
Ov
$6
50
,0
-$
00
00
$3
,0
er
00
$4
$3
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EA
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SO
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RT
NO
MM Marra Construction
Marty Marra
(412) 456-2169
www.mmmarraconstruction.com
   
Montgomery & Rust, Inc.
Murray Rust, III
(412) 487-6990
www.montgomeryrust.com
Nash Building Company
Monroe Nash
(412) 445-5683
Nomak Custom Homes
Michael Kamon
(412) 261-0580
www.signaturehomesadvantage.com
 
Northern Woodworking, Inc.
Patrick Miller
(412) 480-1014
www.northerncustomhomes.com
Paragon Homes, Inc.
William E. Fink
(412) 787-8807
www.visitparagonhomes.com
Parry Custom Homes
Daniele Parry
(724) 863-0199
www.experienceparry.com
   
Paul Davis Restoration of Allegheny Co.
Gregory Young
(724) 799-8290
www.restorationpittsburgh.com
Pelly Properties
Frank Pelly
(724) 935-8810
Pine Creek Development
James H. Bregenser, Jr.
(412) 831-6905
www.pinecreekdevelopment.com
Pitell Homes
Tony Pitell
(412) 364-9411
www.pitellhomes.com
Pittsburgh Custom Homes
Jill Allan
(724) 327-5755
pg 17.
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Area
Price Range
5
00
$7
,0
00
75
0,
00
0
0
0
00
00
0,
0,
60
-$
-$
45
r
el e
od
m
0
00
Re
0,
00
,0
00
Robert Schwerdt
(412) 874-0307
www.Pittsburghremodelingcompany.com
er
Ov
$6
50
,0
-$
00
00
$3
,0
er
00
$4
$3
d
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NO
Pittsburgh Remodeling Company
 
POMO Development
Jeff Paul
(412) 901-0326
www.the woodssatbradleystreet.com

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PPM Realty
Reed Pirian
(412) 343-6206
www.ppmrealty.com
Prime 1 Builders, Inc.
Daniel Meade
(412) 257-0160
www.prime1builders.com
Primrose Homes, Inc.
Jeff L. Martin
(724) 831-6650
www.primrosehomesinc.com
R. A. Snoznik Construction, Inc.
Raymond A. Snoznik
(724) 327-1610
www.rasnoznik.net
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Residential Resources, Inc.
John J. Lengel
(412) 642-9033
www.residentialresourcesinc.org
Restoration Management Service
Kevin Young
(412) 231-1952
Ricciuti Enterprises, Inc.
Domenic Ricciuti
(412) 793-5620
www.ricciutienterprise.com
Richland Holdings, LLC
Jeff A. Martin
(724) 443-4800
www.richlandholdings.com
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Rick Horn Construction, Inc.
Richard Horn
(412) 821-5880
www.rickhornconstruction.com
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Roofing Supply Group
Tim Grech
(412) 429-9789
pg 18.
Area
Price Range
$7
5
-$
75
0,
00
0
0
0
00
00
0,
0,
60
r
el e
od
m
0
00
Re
0,
00
-$
45
Matt Rost
(412) 922-5700
www.ryanhomes.com
,0
00
Ryan Homes/NVR, Inc.
00
,0
00
Todd G. Rossman
(724) 443-5353
www.rossmanhensley.com
er
Ov
$6
50
,0
-$
00
00
$3
,0
er
00
$4
$3
d
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NO
Rossman/Hensley, Inc.
   
 
S & A Homes
Lorrie Crummie
(724) 934-5910
www.sahomebuilder.com
Scarmazzi Homes
Paul Scarmazzi
(724) 745-4250
www.scarmazzihomes.com
Scott F. Fetterolf Builders
Scott F. Fetterolf
(412) 741-1253
Senterra Building & Development, Inc.
James Dinert
(412) 921-6689
Servpro of Metro Pittsburgh
James (JW) Waudby
(412) 350-8746
www.servproofmonroeville.com
 
Shannon Construction Company
Kenneth K. Schultz
(412) 341-1155
Signature Homes
D. Sosso & M. Kamon
(724) 935-4453
www.signaturehomesadvantage.com
  
Sota Construction Services, Inc.
Phil Ford
(412) 766-4630
www.sotaconstruction.com
Sparkle Construction - SPP, Inc.
Greg Kinzler
(724) 882-6283
www.sparkleconstruction.com
Stambrosky Homes
Richard Stambrosky
(412) 257-3500
www.stambroskyhomes.com
pg 19.
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Area
Price Range
$7
5
75
0,
00
0
0
0
00
00
0,
0,
60
-$
-$
45
00
r
el e
od
m
0
00
Re
0,
00
00
,0
,0
00
er
Ov
$6
50
,0
-$
00
00
$3
,0
er
00
$4
$3
d
Un
T
ES
W
ST
EA
H
UT
SO
H
RT
NO
Stapleton Homes
Jay Richards
(412) 973-2722
Steve Catranel Construction Co., Inc.
Stephen Catarinella
(412) 351-2101
www.catranel.com

  

   
Suncrest Homes, Inc.
Colleen Ruefle Haley
(724) 327-1844
www.suncresthomespa.com
Suregreen Construction
Timothy Shipley
(724) 934-0900
Sweetwater Builders, Inc.
Frank C. Thompson
(412) 519-6907
www.frankcthompson.com
T. A. Ward Constructors, Inc.
T A. Ward
(412) 221-2222
www.info@taward.com
T. D. Kelly Co., Inc.
T. D. Kelly
(724) 530-9980
www.tdkelly.com

  
Ted Taylor
Ted Taylor
(724) 941-3033
Terra Building Group, LLC
Brett Robinson
(724) 994-8323
www.terrabuildinggroup.com
    
The Meritage Group, L.P.
James Rumbaugh
(724) 327-5755 x 212
www.themeritagegroup.net
The Phillips Builders, Inc.
Douglas Phillips
(412) 835-9013
 
 
The Rubinoff Company
Melissa Reich
(412) 231-1000 x 204
pg 20.
Area
Price Range
$7
5
75
0,
00
0
0
0
00
00
0,
0,
60
-$
-$
45
00
r
el e
od
m
0
00
Re
0,
00
00
,0
,0
00
er
Ov
$6
50
,0
-$
00
00
$3
,0
er
00
$4
$3
d
Un
T
ES
W
ST
EA
H
UT
SO
H
RT
NO
TJ Bush Enterprises, Inc.
Todd Bush
(412) 475-0550
TK Carpentry & Construction Inc.
Todd Klippa, CGR, CGB, CGP, CAPS.
(412) 489-6530
www.tkconstructioninc.com


   
Tom Rectenwald Construction, Inc.
Thomas Rectenwald
(724) 452-8801
Traditions of America
Sara Kosteva
(215) 732-9600 x139
www.traditionsofamerica.com
Vincent A. Nese Const. Co.
Vincent A. Nese, Jr
(412) 856-6373
Waller Corporation
Louis E. Waller
(724) 223-9680
Wann Corporation
Mel Wann
(724) 935-7990
www.wannproperties.com

Washington Properties Briarwood, Inc.
Todd Kacin
(724) 733-7717
Wayne J. Henchar Custom Construction
Wayne J. Henchar
(724) 368-8753
www.hencharhomes.com
Weatherizer, Inc.
Barry Erenrich
(412) 279-2222
Weaver Master Builders
Kelly Dunn
(724) 814-9001
www.weaverhomes.com
Wheels Mechanical Contracting & Supplier
Michael A. Hartman
(412) 653-5118
pg 21.

 
Area
Price Range
5
00
$7
,0
00
75
0,
00
0
0
0
00
00
0,
0,
60
-$
-$
45
r
el e
od
m
0
00
Re
0,
00
,0
00
Bill Frisch
(724) 846-3964
www.williamefrisch.com
er
Ov
$6
50
,0
-$
00
00
$3
,0
er
00
$4
$3
d
Un
T
ES
W
ST
EA
H
UT
SO
H
RT
NO
William E. Frisch Company, LLC



  
William Miller's Sons, Inc.
Richard R. Miller
(412) 487-8577
www.williammillerssons.com
William R. Minton & Son, Inc.
William Minton
(724) 457-9197
www.wrmintonandsons.com

Wyse Builders
James Wyse
(412) 337-9980
www.wysebuilders.com
Zillweger Contracting, Inc.
Ryan Zillweger
(724) 841-0413
www.zillwegerroofing.com
Zokaites Contracting, Inc.
Frank Zokaites
(724) 935-5257
www.zokaitescontracting.com
*current as of 02/01/15
The year’s biggest new construction & renovation event !
Stay up-to-date year round
at
www.PghFoh.com
pg 22.

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




 
 




BUILDING IN THESE FINE
LOCATIONS
Chavelle Estates – Plum Borough
Packages From $275,000.00
Bianca Rose – Murrysville
Packages From $499,000
Sinan Farms – Murrysville
Packages From $650,000
Cherry Wood – Mt. Pleasant
Packages From $275,000
Moreland Manor – Allegheny Twp
Packages From $250,000
Tara Estates – Harrison Twp
Packages From $275,000
CONTACT US
100 BOYCE PARK CENTER, STE F
PITTSBURGH, PA 15239
412-793-5620
RICCIUTICORP@GMAIL.COM
RICCIUTIENTERPRISE.COM
FOLLOW US ON FACEBOOK
WHY CHOOSE TERRA?
HEALTHY
HIGH PERFORMING
SUPERIOR QUALITY
TERRA
Building Group
Designing and building LEED® certified homes
for the 21st century and beyond.
TerraBuildingGroup.com
facebook.com/TerraBldgGroup
brobinson@TerraBuildingGroup.com
(724) 994-8323
Mortgages
Low Rates. Competitive Closing Costs.
15 Year
Term
3.250% 3.375%
APR*
Rate
Rates are at an all time low.......
Buy or Refinance today!
APPLY ONLINE
www.communitybank.tv
IMPORTANT NOTICES: The Annual Percentage Rate (APR) shown here assumes a 20% down payment
for loans up to a maximum loan amount of $417,000 minimum loan amount $10,000. All interest rates,
APR’s and points are subject to change without notice. Subject to credit approval. Property insurance is
required. Payment example does not include taxes, property insurance premiums, flood and mortgage
insurance (if applicable). Actual payment obligation will be greater. An escrow account is required.
Monthly payment for a 15 year $100,000 mortgage would be $702.67. The interest rate and fees shown
above are available to borrowers with an excellent credit history.
The actual interest rate and fees available to you will be based on your credit
history and may be different than the rates displayed here.
How Much House Can You Afford?
Advance preparation is key when getting ready to buy a home. You need to decide
how much to spend on your home and which type of mortgage will work best for
you, as well as understand the settlement process.
Before you visit a sales office, model home or open house, you should take advantage
of the many sources that can help you get prepared, and take some steps to ensure
you’re in the best possible financial situation:
• Figure out what you can comfortably pay on a monthly basis. Write down all your
monthly expenses including loan payments, utilities, insurance, credit cards and
don’t forget food, clothing and entertainment expenditures. When determining the
monthly payment you can afford, remember that in addition to the monthly principal and interest, you will also be paying into escrows for property taxes, hazard
insurance and possibly mortgage insurance or a home owners or condominium association assessment. Many real estate-focused websites have mortgage calculators
that are a great way to figure out what your monthly payments would be based on
current interest rates and down payment amounts.
• Pay down your debts. Debt that you carry on your credit cards will limit the
amount of a loan a lender will be willing to give you. Lenders typically want to see a
total debt service ratio that is less than 40 percent of your monthly income.
• Attend a home buying seminar or talk to a credit counselor who does not work for
a lender. The U.S. Department of Housing and Urban Development (HUD) offers free
housing counseling and seminars; visit www.hud.gov or call HUD's interactive voice
system at: (800) 569-4287 for more information.
• When you have done your research, visit a lender and find out what loans would
be available to you. Then, get pre-approved. This will tell you how much money the
lender is willing to loan you, and you will know what price range you should be
shopping in. Pre-approval also enables you to quickly make an offer when you find
a home, and is attractive to sellers who are considering multiple offers. A lender’s
pre-approval would still be subject to a final verification of your credit and a satisfactory appraisal.
pg 27.
a c ry l ic b ath room re modeli ng
People you’ll enjoy dealing with….and a company you can trust.
800-645-6317 • bathfitter.com
PA 641
Reface
R eplace
R e m ode l
Personalized design
Canonsburg • Center Township • Seven Fields
1.800.221.3013
cabinetworldpa.com
PA 641
mont
surfaces
302 West Steuben Street
Pittsburg, PA 15205
p 412.921.6740
Engineered Quartz
SUPPLIER OF FINE SURFACES
PITTSBURGH AREA COMMUNITIES
Allegheny County
Butler County
FRANKLIN PARK
Community: Hartman Farms
School District: North Allegheny
High $480s | Coming Soon
ADAMS TOWNSHIP
Community: Fulton Crossing
School District: Mars Area
Clifton Park II Decorated Model
High $390s | New Floor Plans Released
HAMPTON TOWNSHIP
Community: Stonebridge
School District: Hampton
High $460s | 2 Home Sites Remaining
MARSHALL TOWNSHIP
Community: Venango Trails
School District: North Allegheny
Abingshire & John Jacob Astor Decorated Models
Mid $290s | Townhomes & Single Family Homes
PINE TOWNSHIP
Community: Emerald Fields
School District: Pine-Richland
Regent’s Park II Decorated Model
Low $550s | ½ Acre+ Home Sites
Community: Pleasant Ridge
School District: Pine-Richland
Mid $390s | ½ Acre+ Home Sites
ROBINSON TOWNSHIP
Community: Stafford Park
School District: Montour
Kingsmill Decorated Model
High $350s | Final Home Sites
UPPER ST. CLAIR
Community: Bedner Estates
School District: Upper St. Clair
High $410s | New Home Sites
*Pricing may differ, depending on published date
CRANBERRY TOWNSHIP
Community: Walden Pond
School District: Seneca Valley
Under $710s | 1½ Acre+ Home Sites
Washington County
CECIL TOWNSHIP
Community: Ironwood II
School District: Canon-McMillan
Low $480s | Over 60% Sold Out
Community: The Overlook at Southpointe
School District: Canon-McMillan
Remington Place Decorated Model
High $340s | New Home Sites
NORTH STRABANE TOWNSHIP
Community: Summerbrooke
School District: Canon-McMillan
High $260s | New Floor Plans Released
FOR MORE INFORMATION:
724-949-0079 | Sales@HeartlandLuxuryHomes.com
HeartlandLuxuryHomes.com