Caring for Classic Wooden Boats and Their Owners Since 1928

Hibbard Hall established Hall’s Boat Corporation in 1928, on the site of the old Harris yard that dated back to 1908. Located at the southern end of beautiful Lake George in the Adirondack Mountains, Hall’s is now under new ownership.

Purchased by wooden boat devotee Steve Lamando in 2006, with daily operations run by Nick Lamando, Hall’s has expanded our services, and more fully developed our facilities and crew, but we maintain the same commitment to customer service established by Hib back in the 1920s.

Today, Hall’s operates a Boatworks team performing fine wooden boatbuilding, restoration, and repair; a Boat Sales team specializing in wooden runabouts, and a Boating Club providing concierge marine service to members as well as charming, Adirondack-style lodging on site.

The decision to have a home inspection in Seattle is not one to be taken lightly. It is an important investment decision, and choosing the right home inspector (or not choosing one at all) can seriously impact your future.

When deciding to have a home inspection in Seattle, you should first research the inspector’s credentials and experience to determine whether or not they are qualified. A qualified home inspector will typically belong to an association and possess ample experience and an outstanding reputation.

Home Inspection Services

You don’t want to make the mistake of having a family member, friend, or yourself inspect the home in order to save money. While they may possess certain skills, professional home inspectors have received years of training and experience specifically in home inspection in Seattle, and have developed an instinct to notice things that many others would not.

When you’re buying a house, a home inspection should be one of the main ingredients in the final contract. Much like an appraisal, a home inspection will result in a detailed report that you can share with your team and use as a tool in final negotiations. If your contract with the seller includes a “general inspection clause”, and the report turns up major repairs, you can choose to renegotiate the deal or back out of it altogether. These days, most buyers opt to fork over the money for this priviledge.

If you want to bring this important element to the table during your negotiations, you’ll have to budget for it in your closing costs and find yourself the best inspector you can find. He or she will inspect and report on a variety of building elements that are not adequately covered in an appraisal. Here’s a list of the main ingredients that go into the final report:

Ingredients:

-Description and report on the structural elements of the building
-Description and report on the exterior elements of the building
-Description and report on any building-wide systems and components
-Description and report on the roof and attic
-Description and report on the plumbing systems
-Description and report on the electrical systems
-Description and report on appliances

Method:

-An inspection takes between 2 and 4 hours on average
-It will cost you between 300 and 800 dollars (depending on square footage) and
-You will need a qualified, bonafide home inspector

This last element shouldn’t be underestimated. It’s said that a home inspection can only be as good as the home inspector. So do your homework and shop around before you choose this important member of your real estate team. Experience in the building industry and reputation are perhaps your best indications of expertise.

For nearly twenty years, Schumacher Homes of Greenville has been an innovative leader in the custom home building industry. By combining imaginative vision with high value, Schumacher Homes has consistently delivered quality construction and award-winning design to the home buyer, at an exceptional value that remains unmatched by other custom home builders.

Watkins Farm was formerly owned by the Watkins family. The property was deeded to the Watkins family in the late 1800’s by the King of England. The family operated a working farm until the late 1980’s. It remained in the Watkins family until the original craftsman style farmhouse became unsafe. In May of 2007 the norton company purchased the Watkins Farm property and unfortunately the old Watkins farmhouse had to be torn down. The norton company decided to develop the property in the theme and spirit that has inhabited the land since the late 1800’s.

Schumacher Homes of Greenville, a family-owned custom home builder, working in conjunction with Norton Developers, a premier real estate development company, is proud to be the exclusive builder for Watkins Farm located in Greenville, South Carolina.

Directions

• I-385 to Woodruff Rd.
• Go Toward Woodruff approx. 5 miles.
• Left on South Bennetts Bridge to straight on Reidville.
• Go approx. 2.5 miles.
• Community is on your right.

We at Research and Development Tax Credit specialize in analyzing businesses for the missed tax breaks they are entitled to. We offer a comprehensive R&D tax credit claim and advice services. Contact us today to see if your company qualifies for these and other missed tax advantages.

ABM Mitigation is your personal loan rate modification advocate.

Our team of loan modification professionals and legal staff will work together with your current lender to negotiate on your behalf providing your with financial relief. Allowing you to live in your precious home stress free.

Why ABM Mitigation Corp?

Loan Modification Application

ABM Mitigation Corp. is one of the nations leading firms specializing in Loan Modifications and Loss Mitigation. We are leaders in the nationwide fight against Predatory Lending and Foreclosure. The ABM Loan Modification Team is trained to execute our unique methods and techniques to modify our clients’ existing mortgage, reduce current mortgage rates, negotiate affordable terms and restructure payments with their current lender to provide our client with temporary or permanent financial relief. With a loan modification you can save your home, get back on track with your payments, and avoid the costly expenses of refinancing.

Certified Home Inspector

Professionally Trained and Certified at Kaplan

When you hire a home inspector, you need to hire an inspector that is certified and insured. Home inspectors are required to follow nationally recognized standards of practice and a code of ethics. I have chosen Kaplan Professional Schools to be my educational and certification resource because of their reputation and high educational standards. I have also recieved my contractors continuing education through Kaplan and I have attended their building science courses as well. I am committed to an ongoing education to continue to refine my knowledge of the home inspection industry.

Professional Association Memberships

I have chosen to be a member of Inter-NACHI because of their extensive online educational resources. Home inspectors need to be enthusiastic about their education and I enjoy mastering the materials and course requirements to maintain a membership with Inter-NACHI. This means that you will recieve a thorough home inspection from a well educated home inspector.

Get Home Inspection Results From An Experienced Builder

Afraid To Hire An Inexperienced White Collar Home Inspector?

Do you want a home inspector that has 24 years real world Blue Collar Experience repairing defective homes?

Do you want a home inspector that has observed the causes of building defects in the making?

Do you need a thorough inspection so you have the information you need to determine the homes true value to you?

Are you afraid of costly surprises three years down the road?

Do you want a professional home inspection report that is easy to understand and delivers actionable information?

Do you want your inspector to be a good student that spends his free time continuing his education?

Do you demand professionalism and follow through?

Do you expect your inspector to have effective communication skills?

Do you want a home inspector that earns his fee?

If you answered yes to these questions, then we are a good match.

Steven O’Connell
4890 Grand View Avenue
Minnetrista, MN 55364
(612)490-9886
steven.oconnell@mchsi.com

hard money loan is a species of real estate loan collateralized against the quick-sale value of the property for which the loan is made. Most lenders fund in the first lien position, meaning that in the event of a default, they are the first creditor to receive remuneration. Occasionally, a lender will subordinate to another first lien position loan; this loan is known as a mezzanine loan or second lien.

Hard money lenders structure loans based on a percentage of the quick-sale value of the subject property. This is called the loan-to-value or LTV ratio and typically hovers between 60 and 70% of the market value of the property. For the purpose of determining an LTV, the word “value” is defined as “today’s purchase price.” This is the amount a lender could reasonably expect to realize from the sale of the property in the event that the loan defaults and the property must be sold in a one- to four-month timeframe. This value differs from a market value appraisal, which assumes an arms-length transaction in which neither buyer nor seller is acting under duress.

Below is an example of how a commercial real estate purchase might be structured by a hard money lender:

65% Hard money (Conforming loan)
20% Borrower equity (cash or additional collateralized real estate)
15% Seller carryback loan or other subordinated (mezzanine) loan

Hard Money Loans for your Business

Nothing is certain in our economy these days. Many people and businesses are still in quite good shape, but plenty of others haven’t been so lucky, and have had to close their businesses, and have filed bankruptcy or been foreclosed upon. And now, unfortunately, sub-prime mortgages aren’t available for assistance they way they used to be, due to the recent subprime mortgage crisis. It’s become much more difficult to know where to turn when it’s your financial future at stake.

If you’re one of the many, stuck between a financial rock and a hard place (or a foreclosure and a bankruptcy, as the case may be), it may be advantageous for you to look into taking out a hard money loan. Hard money loans are utilized by many people facing foreclosure or similar financial disaster, as the criteria for lending is more relaxed than a conventional loan. While your credit history is still taken into consideration by the lender, it’s typically not judged as harshly because the loan is given based on the value of real estate property you already own. Due to the slightly higher risk to the lender when dealing with hard money loans, they are not provided by banks but rather by private lenders, and as such, the interest rates of these loans aren’t based on bank rates. Typically the interest rate on a hard money loan will range from 15% – 25% (a little less for bridge loans, which are similar, but not necessarily used in times of financial hardship), which means that you probably don’t want to look to hard money loans as sources of long-term financing. The term is, in fact, often fairly short. Decide carefully if you’ll be able to afford the loan, as interest rates upon default may increase to the state limits, as high as 25% to 29%.  more info

Hard Money Secrets

Anyone with hard money experience knows quoting double-digit interest rates and several points in fees inspires some of the more dramatic borrower responses in the industry. Brokers and lenders witness everything from stunned silence to emphatic resentment. For borrowers with little or no experience with the hard money loans, a basic level of understanding will aid immensely in the process of funding a hard money loan.

From Motivation to Understanding

Armed with an awareness of your client’s motivation, your next step is to ascertain and develop your client’s level of understanding of pricing options available. “Level of understanding” as it pertains to hard money loans is your client’s level of realization that they will have to pay 10% or more, plus points and fees, to obtain a Hard Money Loan.

More info

Understanding Hard Money Loans

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