• Upgrades

    What is standard, optional or a green upgrade when buying a new home? Before entering into a new home purchase transaction, you need to ask the builder to define what features are standard, what the standard options are, and what upgrades are available, especially green upgrades. Answers can be confusing and sometimes vague. This is …   Read More

  • Green makeover loan

    Green Upgrade and Purchase Combo Loan   A loan program is available to purchase and upgrade new or resale homes money-saving, energy efficient and green. It allows a home buyer to include the cost of green upgrades into one Purchase Loan. How does it work? The best feature is that the loan amount is determined …   Read More

  • Green Makeover Homes

    Buy An Existing Home Green Let us negotiate the purchase of an existing home, to include a Green Home Makeover, immediately after closing. Any neighborhood – Any price range. 95% Financing available to qualified buyers. Pre-approved Green-Ready Homes. Why pay the same for a conventional home that can cost as much as $130,000 on energy over the life of a …   Read More

  • Renovation loan

    Green Renovation Loan Amounts How they can be greater than appraisal values The fact that a purchase- renovation loan can be used to increase appraisal values is one of real estate’s best-kept secrets. Traditionally, the amount that can be loaned by a lender to a borrower to purchase a home is dictated by the appraisal …   Read More

  • Underwater homes

    Increasing The Value Of Underwater Homes  Many homes can’t be sold in a conventional manner because there is no equity in them to pay for closing costs. These homes are usually referred to as underwater homes. A solution to underwater homes lies in selling them to purchasers who use renovation-purchase loans. The reason for this is that …   Read More

  • NO VOC paint

    No VOC Paint Standard homes are painted with regular paint, which contains a number of VOCs (volatile organic compounds) including heavy metals and formaldehyde. VOCs are chemicals that have a high evaporation rate, meaning that they sublimate (change from solid to gas while skipping the liquid stage) and off-gas at very low temperatures. The VOCs …   Read More

  • Buy a green home

    How We Can Help You To Buy a Green Home? If your intention is to buy a green home, either to live or invest in, congratulations! Today there are compelling reasons to buy a green home instead of a standard home. One good reason is that as building codes rapidly change to mandate energy efficiency …   Read More

  • Your holistic whole house decision making advantage.

    Our Green Home Expertise is Your Holistic, “Whole House” Decision-Making Advantage Unlike standard homes, every feature in a green home impacts all of the others, either positively or negatively with regards to, energy cost, occupant health, carbon footprint, and property value. We are trained and qualified to help you to understand each feature’s effect on …   Read More

  • Energy efficient Clothes Washers and Dryers

    Energy Efficient Clothes Washers and Dryers   New construction home Buyers are usually offered clothes washers and dryers as an optional extra. Resale home sales usually do not include these appliances. Either scenario gives home Buyers the opportunity to acquire new technology energy efficient washers and dryers that will save them money year after year, thereby reducing their cost …   Read More

  • Ceiling fan

     Energy Efficient Ceiling Fan ENERGY STAR certified ceiling combination light and fan units are approximately 60% more energy efficient than conventional light and fan units. The reason for this is firstly because of the technologies that they use. Ceiling fan motors need to create magnetic fields to operate. AC (Alternating current) motors create magnetic fields …   Read More

  • One-Time Close Construction Loan

    One-Time Close Construction Loan Instead of the traditional “two loan” process that first requires a construction loan, then, after the home is built, a permanent loan to pay off the construction portion, a One-Time Close Construction Loan  rolls both loans into one! A One-Time Close Construction Loan allows you to plan your home, build your home, and then begin …   Read More

  • Energy efficient mortgage

    Energy Efficient Mortgage   An Energy Efficient Mortgage allows home buyers to borrow more than they traditionally can qualify for, if they buy a home that has been rated Energy Efficient. How is this possible?   Read More

  • Home Energy Rating

    Home Energy Rating A Home Energy Rating provides a standardized evaluation of a home’s energy efficiency and expected energy costs. Before buying a re-sale home, we all know that we should order a home-inspection to check that we are not buying any defects. However, you should also order an Energy Rating to ensure that you …   Read More

  • Note and Mortgage

    The Note and Mortgage Mortgage and note documents are only applicable at a closing if a buyer is borrowing money to buy a property. A real estate note is often mistakenly referred to as a mortgage. However, a note and mortgage are two separate documents.   Read More

  • Seller closing costs

    Seller Closing Costs Below are the typical closing costs for a residential home seller. Use the form as a worksheet to calculate your closing costs by adding and totaling your estimates in the Estimate $ column. Use the linked calculators and the provided pro-rata formula to obtain estimates.   Read More

  • Home air quality.

    Good Indoor Air Quality The EPA has told us that the air in our homes is 5 – 10 times more polluted than the air outside. To make matters worse, if we make a habit of keeping our windows closed for air conditioning, and never opening them to allow fresher air to come in, then …   Read More

  • Toxin-free flooring

    Toxin-Free Flooring Standard homes are often fitted with flooring that contain glues, dyes, stains, grouts, sealers, and finishes that contain toxic chemicals. These chemicals leach out or off-gas into the air-space and contaminate its quality, often at the expense of occupant health. The problem is made worse by air conditioning that requires windows and doors …   Read More

  • Eco friendly carpet

     Non-Toxic, Eco-Friendly Recycled Carpet Eco-friendly carpet is now not only non-toxic but also diverts plastic from going into landfills. One of the biggest culprits of toxic indoor air is what you smell when new carpeting has been laid in a home. Standard carpet consists of synthetic materials, like olefin or nylon tufts, polypropylene, jute, solvent-based adhesives, …   Read More

  • Buyer prepayments and escrows closing costs

    Buyer prepayments and escrows closing costs worksheet Below are the typical prepayment and escrow closing costs for a residential home buyer borrower (excluding title costs and loan prorations). Use the form as a worksheet to calculate your prepay and escrow lending costs by adding and totaling your estimates in the Estimate $ column. Use the …   Read More

  • Buyer loan closing costs

    Buyer Loan Closing Costs Worksheet Below are the typical closing costs for a residential home loan borrower (excluding title closing costs and pro-rations). Use the form as a worksheet to calculate your loan closing costs by adding and totaling your estimates in the Estimate $ column. Use the linked calculators and the provided pro-rata formula to obtain estimates.   Read More

  • Solar hot water heater

    Solar Water Heater Solar Hot Water Heaters mean free hot water from the sun Standard homes are usually fitted with electric water heaters. These technologically primitive appliances have been around for many years. They heat water via two elements that are poisoned at the top and the bottom of the inside of their storage tanks. …   Read More

  • Buyer closing costs

    Buyer Title Closing Costs Worksheet Below are the typical buyer closing costs for a residential home buyer (excluding lender closing costs and pro-rations). Use the form as a worksheet to calculate your buyer closing costs by adding and totaling your estimates in the Estimate $ column. Use the linked calculators and the provided pro-rata formula …   Read More

  • APR

    What is an APR? A Truth-in-Lending statement is a Federally required document that must be provided by a lender to all mortgage loan borrowers. Its purpose is to help borrowers compare the cost of one loan against another. However, the document is confusing. One of the terms of the document that adds to the confusion …   Read More

  • Florida property taxes

    Florida Property Taxes Florida property taxes are calculated a little differently to other states. This is a quick and easy look at how this works. On the first day of January every year, the county property appraiser is supposed to determine the value of each property. The valuation takes into consideration the size of a …   Read More

  • indoor air

    What Affects Indoor Air Quality? Indoor air quality is affected by a number of factors. Many of the smaller factors are often discounted by people because of their inability or unwillingness to consider them in the proper context of their cumulative health effects, their prolonged contact with a home’s occupants, as well as the commercial …   Read More

  • VA loans

    VA Loans After the 2nd world war, Congress passed the Serviceman’s Readjustment Act to reward soldiers returning from war and to help them to re-establish themselves in civilian society. Out of this act was created the department of Veterans Administration (VA). Lenders who make loans to VA entitled veterans are guaranteed against default up to …   Read More

  • FHA loan

    Federal Housing Authority – FHA Loan Programs Participating lenders are insured by the Federal Housing Authority FHA against incurring foreclosure losses as per an authorization by the Department of Housing and Urban Development (HUD). The caveat is that only loans that are made to borrowers that meet loan limits and guidelines set by congress to …   Read More

  • Construction financing

    How Construction Financing Works Most buyers need financing in order to buy a home. If you are also going to borrow funds to build a new home, then you need to know about how construction financing works. Lenders always require collateral, which makes it harder to lend against new construction because there is nothing to …   Read More

  • Mortgage Loans

    Types Of Mortgage Loans There are many different mortgage programs from which to choose. Selecting one depends on your financial situation, your plans for the property that you are purchasing, the length of time that you intend owning it, and much more. The best way to go about choosing the best loan for your circumstances …   Read More

  • Mortgage financing

    Can You Afford Mortgage Financing? Despite what online calculators tell you, to know for sure you can afford a new home, and the mortgage financing that goes with it is going to take a little work on your part. Calculating your financial obligations: To start with, you need to come up with an accurate assessment …   Read More

  • sustainable cabinets

    Sustainable Cabinets for Kitchens and Bathrooms Standard homes are fitted with kitchen and bathroom cabinetry that can contain high levels of formaldehyde and other volatile organic compounds (VOCs). VOCs are a wide variety of chemicals that are emitted as a gas from almost every gas or liquid product that humans manufacture synthetically and use in …   Read More

  • Geothermal heat pump system

    Geothermal Heat Pump System  Using free solar energy stored in the earth Standard home air conditioners or heat pumps use electricity and or gas as their energy sources. Both are expensive and their production, use or combustion is harmful to the environment. A popular alternative for green homes is to use a heat pump system that uses …   Read More

  • Air duct leakage

    What Makes a Home Green? No Air Duct Leakage Standard homes have a problem in their attics – leaking air ducts. Indoor air that is conditioned by an air conditioner is delivered to the different parts of a home via the system of air ducts. Unless these ducts are perfectly sealed, then some of the …   Read More

  • ductless mini-split systems

    Ductless Mini-Split Systems The air in most standard homes is conditioned by central systems that include air ducts. This is inefficient because as much as 30% of conditioned temperatures are lost due to attic temperatures and duct leakages. The ducts also add significantly to the cost of these systems. Green home designs are increasing including …   Read More

  • Germicidal UV light

    What Makes a Home Green? Germicidal UV light  or, how to kill mold spores before they can get into your lungs Many standard homes have mold problems, especially in the hot and humid southern states of America. Mold is responsible for a range of bronchial, respiratory and other related health problems. The perfect environment for it …   Read More

  • Hurricane resistant garage doors

    Hurricane Resistant Garage Doors Garage doors are the largest and most venerable single opening in a home. Statistics show that a blown in garage door is a leading cause of hurricane wind entry into a house resulting in roof blow-off, water intrusion, catastrophic damage and loss of life. Standard homes seldom include garage doors that …   Read More

  • Impact resistant windows

    Impact Resistant Windows Impact windows are one of the superior features of a green home because of the additional safety, durability and savings that they afford homeowners. Standard homes are usually fitted with non-impact resistant windows that have one single pane of glass which is easily broken by storm winds, flying debris, and also forced …   Read More

  • Zero Energy

    The Least Expensive Path to a Zero Energy Home To get to zero energy, a home needs to make some of its own power, however, without a good strategy a solar electric system can be an expensive additional feature. But it does not have to be that way. The best strategy is to firstly make …   Read More

  • zoned air conditioning

    Zoned Air-Conditioning To understand the green advantages of zoned air conditioning, we have to first look at standard homes and the reasons why they are often uncomfortable due to unequal temperatures in different rooms. This is caused by some of the rooms being on a side of the home that receives more or less direct …   Read More

  • High performance windows

    High-Performance Windows Windows form part of a green home’s thermal envelope, its outer shell which protects it against unwanted temperatures from moving in or out of it. The movement of energy through standard windows is caused by three main factors: Air Infiltration – Windows that don’t fit properly allow air to move around them. Just …   Read More

  • Older homes have great potential to be green.

    Older Homes Have Great Potential To Be Green Owners of older homes often have misconceptions that their homes can’t be green because of the fact that they were not built using the latest high-performance building materials and building techniques. The truth is that in many respects, older homes can outperform newer homes in their quest …   Read More

  • How green homes save money – just like a fridge

     How Green Homes Save Money Just Like a Fridge Imagine if your fridge has only a thin cardboard door and walls instead of the thick, heavily insulated door and walls that you are familiar with. Then consider how long that cardboard structure will be able to keep the food inside cold? About as long as …   Read More

  • Green Home Designer

    George Washington, Our First Green Home Designer The solutions for Florida to avoid the impending disaster of climate change were green home design concepts that George Washington practiced centuries ago. He designed an unconventional green home in Mount Vernon that included, passive comfort measures and which he surrounded with a native garden that included many …   Read More

  • ARE GREEN HOMEOWNERS HAPPY?

    Are Green Homeowners Happy? A nationwide survey was recently conducted, which produced some interesting and positive results. It turns out that what green homeowners are most happy about is the money that they are saving because of energy efficiency and the fact that the savings help them financially.   Read More

  • Salt Free Water Softener

    What Makes a Home Green? A Salt-Free Water Softener The standard home scale and hard water problem: Standard homes, especially in Florida, have a problem with hard water, which forms limescale inside all of the water appliances and piping. It’s caused by the high content of calcium and magnesium that precipitates out of the water …   Read More

  • Spray Foam Insulation for green homes.

    Spray Foam Insulation The standard home hot attic problem One of the major problems with standard homes is that their air conditioner ducting systems are located in their attics, the part of homes where temperatures can soar to above 140 degrees or more during the summer. The result of this is that the conditioned air …   Read More

  • Habitat for Humanity green homes

    Habitat For Humanity – Building Green Homes At an additional cost of only $2 per SF, watch how Habitat for Humanity is building green homes and saving low-income homeowners hundreds of dollars in energy bills. Watch the video:   Read More

  • Correctly located and sealed gas appliances.

    What Makes a Home Green? Correctly located and sealed gas appliances – vital for good indoor air quality  The standard home gas appliances problem. The problem with standard homes is that they are often fitted with inexpensive gas appliances and supply pipes that are not sealed properly. They can also be installed incorrectly or in the …   Read More

  • Heat pump water heater

    What Makes a Home Green? A heat pump water heater that extracts free heat from the air The standard home water heating problem Standard home hot water heaters usually comprise of a 40-100 gallon tank with either two electric elements, or a gas burner and heat exchanger that heats the water.  The electric system is usually …   Read More

  • Water Wise

    What Makes a Home Green? A Water-Wise Certified Yard A Water-Wise yard saves water and money The problem with standard home yards is that they include exotic plants that need large amounts of water as well as fertilizers, pesticides, and herbicides, which are then often washed into the stormwater sewer by a water-hungry irrigation system. …   Read More

  • Real estate

    Lipstick-on-a-pig is killing real estate, families, and our economy. Why? Most investors buy homes to flip or rent. They buy cheap and fix cheap; Lipstick-On-A-Pig only, and they never spend money on energy improvements, which are more costly.The negative consequences are that everyone and the...

  • What makes a home green? A 2-Stage Air Conditioner.

    What Makes a Home Green? A 2-Stage Air-Conditioner The problem with standard home air conditioners is that they are usually as powerful as they need to be to take care of the hottest day of the year, something that they must be able to do...

  • Low flow shower head.

    What Makes a Home Green? A Low Flow Showerhead So what’s wrong with our old shower head that we have lived with for so long? Standard homes waste water because of water inefficient appliances and fixtures, the biggest culprits being shower heads. Not only do we not need as much water as we are accustomed …   Read More

  • home automation system

    What Makes a Home Green? A Home Automation System Being able to monitor and manage a home’s energy consuming appliances and electronics, as well as its security features with a home automation system, has great advantages for green homeowners. Unnecessary energy costs can mostly be attributed to appliances working at the same rate while a …   Read More

  • Whole house vacuum

    What Makes a Home Green? A Whole House Vacuum System According to the EPA indoor home air can be 5 times or more polluted than the air outside. There are many reasons for this, such as the release of personal and cleaning chemicals, toxins emitted from paint, furniture, carpets, sealants and cabinetry, tobacco smoke, cooking, glues, …   Read More

  • Green Home Sales and Values

    Do Green Homes Sell Faster And For More? Recent studies say that green homes increase in value and sell faster at higher prices The Appraisal Journal in 2008 states that every $1 decrease in energy costs results in a $10 to $25 increase in home values....

  • Air Sealing

    What Makes a Home Green? Home Air Sealing and Weatherization Imagine if your fridge were full of holes. If it were, then the motor under your fridge that works to keep the air inside cold, would have to work 24/7 to try and keep your food from spoiling. Well, have you have ever noticed that …   Read More

  • Compact fluorescent bulbs

    What Makes a Home Green? CFL Compact Fluorescent Bulbs Standard homes use incandescent light bulbs, inefficient 100 year old technology that converts 95% of its energy received into heat, and only 5% into light. Once we understand this, we realize that each light bulb is just like a small heater, each one making a home’s …   Read More

  • Air Purifier.

    What Makes a Home Green? An Air Purifier We spend most of our lives indoors, where the EPA has determined, the air is 5 – 10 times more polluted than the air outside. This is because, as homes become more airtight, particles, smaller than a micron, consisting of mold spores, bacteria, germs and viruses, animal …   Read More

  • net zero homes

    Do Net-Zero Homes Cost More? Even if the initial sticker price is higher, net-zero homes are the less expensive option. The cost of green home features are coming down as fast as laptop computer prices, making many of them cost the same as conventional homes. However, a conventionally powered home will initially always be less expensive …   Read More

  • Autoclaved Aerated Concrete.

    Building Green With Autoclaved Aerated Concrete Standard concrete building blocks provide little fire resistance and almost no insulation, which results in higher energy bills and less occupant comfort and safety.  The solution is Autoclaved Aerated Concrete. Made from cement, fine aggregates and an agent that causes the mixture to expand, this building material ends up as …   Read More

  • What makes a home green? Recycled Drywall.

    What Makes a Home Green? Recycled Drywall  Recycled drywall reduces waste and protects our planet. Let’s see why. Drywall, also known wall/plasterboard, has a noncombustible core that is traditionally made from natural gypsum ore, a product that has to be mined from the earth.  To reduce air pollution, coal-fired plants use a desulfurization process which …   Read More

  • LEED Certified Homes

    Zero Energy, LEED Certified Homes For Sale, On a Nature Reserve, in Palm Harbor Florida Who wouldn’t like to live in a home with no electric bill, one that conserves water, has great air quality, and when you look out of the window, you see...

  • Structural Insulated Panels.

    What Makes a Home Green? Structural Insulated Panels The green home alternative to air, moisture and temperature intrusion Conventional construction is hard to seal against air and moisture infiltration, and walls are usually not thick enough to allow for effective temperature insulation.   Read More

  • Reflective roofing.

    What Makes a Home Green? Reflective Roofing That Saves Energy Reflective roofing can significantly lower electric bills by reducing the amount of solar energy that enters a home, and especially the attic, which results in an increase in the efficiency of an air conditioning system.    Read More

  • Concrete block insulation

     What Makes a Home Green? Core Filled Concrete Block Insulation Core Filled Concrete block insulation is a solution for non-insulated concrete or cinder block built homes. Conventional masonry or cinder block construction is hard to seal against air and moisture infiltration and the insulation value is very low.  One solution for green homes is core filled concrete …   Read More

  • Switch It Green, Switch It Forward

    Switch It Green, Switch It Forward So, what is Switch it Green, Switch it Forward all about, and how can it help to alleviate poverty and climate change, one solar panel at a time?   We have started this new movement to help the planet and also help low-income family homeowners to eliminate their electric …   Read More

  • Rainwater collection system

    What Makes a Home Green? A Rainwater Collection System A rainwater collection system saves water and the environment.   Rainwater collecting is an innovative system that any homeowner can use to capture rainwater, store it and use it later for irrigation. By combining Drip Irrigation with a  rainwater collection systems, homeowners can literally irrigate their landscapes …   Read More

  • Hot water circulating pump

    What Makes a Home Green? An on-demand hot water circulating pump, which saves water, energy, and money Many homeowners experience a long wait for hot water to reach their shower or bathroom faucets that are not located near to the hot water heater. This delay is caused by water that has cooled down while standing …   Read More

  • Energy Star homes

    Energy Star Homes. Planet Or Pocket Savings?  Only 5% of the world’s population lives in the United States, yet it is where 25% of global energy is consumed. The homes that we live in, account for 22% of this consumption, as well as 7% of the ever-diminishing supply of water.  Residences also contribute 21% of …   Read More

  • Insulating concrete forms

    What Makes a Home Green? Insulating Concrete Forms The home energy, Lego solution Insulating concrete forms addresses two of the most important elements of green homes, which are effective insulation and airtight construction. If the latter is effective and does not either leak conditioned air out, or unconditioned air in, then a green home’s air conditioner …   Read More

  • Net Zero Home.

    Is a Net Zero Home The Same As a Zero Energy Home? These days we often hear the term Zero Energy Home, which is confusing and inaccurate unless the home is super energy efficient and disconnected from the grid altogether. What is usually being referred to is a Net Zero Home.   Read More

  • Heat pump.

    What Makes a Home Green? A Heat Pump – A Fridge In Reverse   Residential heating and cooling has come a long way in recent years. Equipment that came into service ten years ago or more uses much more energy than today’s high-efficiency systems. The reason for this is the development of innovative new technologies …   Read More

  • Green Home

    Florida Green Home Brokers Blog Welcome. This is the  blog for Florida Green Home Brokers. Join us on a journey to make green home living a reality for you, and all others who aspire to a sustainable world . Let’s get started ……   Read More

Florida Green Home Brokers