Archive for June, 2009
Learn The First Steps In Order To Flip Houses
June 30th, 2009
Chris Chico asked:
In order for a real estate investor to flip houses you must first acquire the capital required to make the initial purchase of that real estate. For a seasoned or experienced investor the needed capital may be as easy to acquire as writing a check from a personal or business financial account. However, for the individual just starting out, the acquisition of the needed money may be a much more difficult process. The initial money for the investment could come from other investors or more commonly from a bank or other loaning institution.
If as an investor you are lucky enough to have a large financial trust, access to valuable assets, or be independently wealthy, then gaining access to capital for investment is an easy process. Trusts can be easily accessed for such transactions. Valuable assets can be used as collateral for loans or mortgages. Such assets make acquiring such loans simple and uncomplicated. Obviously, an independently wealthy invest would have no problem accessing the funds needed for a potential real estate investment.
If a potential investor is just beginning his or her investment career and they do not have a hefty bank account or have possession of valuable assets, then it may be a lot harder to acquire the financing needed to flip houses. For individuals who fall into this category, a bank or lending institution is often the only place to turn. They specialize in providing the needed capital for investment projects. However, they are not a charity; therefore, they do not provide financing to projects or debtors they deem risky and they certainly do not provide capital for free.
The first step to securing a loan from a lending institution is to put together a complete and persuasive business presentation. This presentation is meant to convince the loan officer that your investment is profitable, not risky, and likely to demand a high profit margin thereby guaranteeing that the initial loan will be repaid. This is usually a difficult and time consuming process. The loan officer is paid to ask difficult questions about your past financial dealings, current finances, and you experience in related or associated fields. Always make your past financial history available the bank officer and always be honest when answering questions. Misleading the loan officer will only cause delays in the loan process and may even derail an otherwise successful loan application.
The steps continue, even after a quality business loan presentation, thereafter, you will need to complete dozens of separate applications and official documents. These vary from institution to institution and can demand a lot of time and energy to fill out properly. However, use caution when filling out this paperwork. Even an honest mistake can delay a successful loan application or derail it completely.
If the beginning investor cannot secure a loan through traditional means by making an application to a bank, then you might turn to the local government. Sometimes a local, state, or even federal government will offer investment loans through special programs. These programs are generally supported because they foster development and urban renewal, create jobs, and increase the local tax base. Check with your local courthouse for local programs and the internet for federal ones.
Before an investment can be made in order to flip houses, the investor must take the first step and secure the initial capital needed for that investment. Then take the previous advice to mind and follow the necessary path to make your investment to flip houses successful.
In order for a real estate investor to flip houses you must first acquire the capital required to make the initial purchase of that real estate. For a seasoned or experienced investor the needed capital may be as easy to acquire as writing a check from a personal or business financial account. However, for the individual just starting out, the acquisition of the needed money may be a much more difficult process. The initial money for the investment could come from other investors or more commonly from a bank or other loaning institution.
If as an investor you are lucky enough to have a large financial trust, access to valuable assets, or be independently wealthy, then gaining access to capital for investment is an easy process. Trusts can be easily accessed for such transactions. Valuable assets can be used as collateral for loans or mortgages. Such assets make acquiring such loans simple and uncomplicated. Obviously, an independently wealthy invest would have no problem accessing the funds needed for a potential real estate investment.
If a potential investor is just beginning his or her investment career and they do not have a hefty bank account or have possession of valuable assets, then it may be a lot harder to acquire the financing needed to flip houses. For individuals who fall into this category, a bank or lending institution is often the only place to turn. They specialize in providing the needed capital for investment projects. However, they are not a charity; therefore, they do not provide financing to projects or debtors they deem risky and they certainly do not provide capital for free.
The first step to securing a loan from a lending institution is to put together a complete and persuasive business presentation. This presentation is meant to convince the loan officer that your investment is profitable, not risky, and likely to demand a high profit margin thereby guaranteeing that the initial loan will be repaid. This is usually a difficult and time consuming process. The loan officer is paid to ask difficult questions about your past financial dealings, current finances, and you experience in related or associated fields. Always make your past financial history available the bank officer and always be honest when answering questions. Misleading the loan officer will only cause delays in the loan process and may even derail an otherwise successful loan application.
The steps continue, even after a quality business loan presentation, thereafter, you will need to complete dozens of separate applications and official documents. These vary from institution to institution and can demand a lot of time and energy to fill out properly. However, use caution when filling out this paperwork. Even an honest mistake can delay a successful loan application or derail it completely.
If the beginning investor cannot secure a loan through traditional means by making an application to a bank, then you might turn to the local government. Sometimes a local, state, or even federal government will offer investment loans through special programs. These programs are generally supported because they foster development and urban renewal, create jobs, and increase the local tax base. Check with your local courthouse for local programs and the internet for federal ones.
Before an investment can be made in order to flip houses, the investor must take the first step and secure the initial capital needed for that investment. Then take the previous advice to mind and follow the necessary path to make your investment to flip houses successful.
FHA Mortgage loans for Condos and Town homes
June 30th, 2009
FHA home loan Lender asked:
FHA Mortgage loans for Condos and Town homes
Eligible FHA mortgage Applicants:
Any creditworthy potential owner-occupant who meets FHA home loan underwriting criteria and will make the condominium unit their principal residence is eligible for a mortgage insured under this program.
Florida home buyers should know the many advantages of the FHA mortgage loan programs. FHA loans were created to help increase home ownership. For the Florida Condo or townhome buyer the FHA program can simplify the purchase of a home, making financing easier and less expensive than a conventional mortgage loan product. Some highlights of the Florida FHA loan program include:
Minimal Down Payment and Closing costs. Down payment less than 3% of Sales Price Gifts are allowed Seller can credit up to 6% of sales price towards closing and prepaid costs. 100% Financing available No reserves required. FHA regulated closing costs. Easier Credit Qualifying Guidelines such as: No minimum FICO score or credit score requirements. FHA will allow a home purchase 1 year after a Bankruptcy. FHA will allow a home purchase2 years after a Foreclosure.
To take advantage of the FHA program in Florida, give us a call 1-954-667-9110 to find out more about the many FL mortgage programs we can make available. Or Apply now for a FL FHA home loan.
http://fhamortgagefhaloan.com/
FHA Mortgages for Townhomes Condominium Units
The FHA mortgage insures the FHA home loan for a person who purchases a unit in a an association including Town homes and condos
One of the many purposes of FHA mortgage including the purchase of a Florida townhome or condo. FHA encourages FHA approved lenders to make affordable mortgage loans credit available for different forms of ownership. FHA Condominium and townhome loans, in which the owners of the condo or townhome units jointly own the development’s common areas and facilities. FHA mortgage Insurance for condominiums, such as is provided through Section 234C, can be important for low- and moderate-income renters who wish to avoid being displaced by the conversion of their apartment building into a condominium.
Type of Assistance:
This program insures an FHA mortgage loan for as many as 30 years to purchase a unit in a condominium building — which must contain at least four dwelling units and can be detached or semidetached, a row house, a walk-up, or an elevator structure. The FHA mortgage loan is made by a FHA approved lending institution, such as http://www.fhamortgagefhaloan.com mortgage company, bank, or savings and loan association, and is insured by HUD’s FHA loan program.
Most of the features of FHA’s Section 234C FHA mortgage insurance are the same as those governing HUD’s basic FHA mortgage insurance program, FHA Mortgage Insurance for 1-4 family Section 203B. For example, down payment requirements can be low as only 3.5% because FHA insurance allows homebuyers to finance about 96.5 percent of the home’s cost through their FHA mortgage. In addition, some seller paid closing costs can be financed, reducing up-front costs. And, FHA limits some fees that FHA approved mortgage lenders charge-for example, the FHA loan origination charge. FHA sets limits on the size of the FHA mortgage loan that vary with location and the number of units being purchased.
However, Section 203 C condo loans have some unique restrictions. If the apartment is in a building that was converted from rental housing, no insurance may be provided under Section 234C unless: (1) the condo conversion occurred more than one year before the application for insurance; (2) the potential buyer or co-buyer was a tenant of that rental housing; or (3) the conversion of the property is sponsored by a tenant’s organization that represents a majority of the households in the project. Eighty percent of FHA-insured mortgages in the project must be made to owner-occupants.
FHA Mortgage loans for Condos and Town homes
Eligible FHA mortgage Applicants:
Any creditworthy potential owner-occupant who meets FHA home loan underwriting criteria and will make the condominium unit their principal residence is eligible for a mortgage insured under this program.
Florida home buyers should know the many advantages of the FHA mortgage loan programs. FHA loans were created to help increase home ownership. For the Florida Condo or townhome buyer the FHA program can simplify the purchase of a home, making financing easier and less expensive than a conventional mortgage loan product. Some highlights of the Florida FHA loan program include:
Minimal Down Payment and Closing costs. Down payment less than 3% of Sales Price Gifts are allowed Seller can credit up to 6% of sales price towards closing and prepaid costs. 100% Financing available No reserves required. FHA regulated closing costs. Easier Credit Qualifying Guidelines such as: No minimum FICO score or credit score requirements. FHA will allow a home purchase 1 year after a Bankruptcy. FHA will allow a home purchase2 years after a Foreclosure.
To take advantage of the FHA program in Florida, give us a call 1-954-667-9110 to find out more about the many FL mortgage programs we can make available. Or Apply now for a FL FHA home loan.
http://fhamortgagefhaloan.com/
FHA Mortgages for Townhomes Condominium Units
The FHA mortgage insures the FHA home loan for a person who purchases a unit in a an association including Town homes and condos
One of the many purposes of FHA mortgage including the purchase of a Florida townhome or condo. FHA encourages FHA approved lenders to make affordable mortgage loans credit available for different forms of ownership. FHA Condominium and townhome loans, in which the owners of the condo or townhome units jointly own the development’s common areas and facilities. FHA mortgage Insurance for condominiums, such as is provided through Section 234C, can be important for low- and moderate-income renters who wish to avoid being displaced by the conversion of their apartment building into a condominium.
Type of Assistance:
This program insures an FHA mortgage loan for as many as 30 years to purchase a unit in a condominium building — which must contain at least four dwelling units and can be detached or semidetached, a row house, a walk-up, or an elevator structure. The FHA mortgage loan is made by a FHA approved lending institution, such as http://www.fhamortgagefhaloan.com mortgage company, bank, or savings and loan association, and is insured by HUD’s FHA loan program.
Most of the features of FHA’s Section 234C FHA mortgage insurance are the same as those governing HUD’s basic FHA mortgage insurance program, FHA Mortgage Insurance for 1-4 family Section 203B. For example, down payment requirements can be low as only 3.5% because FHA insurance allows homebuyers to finance about 96.5 percent of the home’s cost through their FHA mortgage. In addition, some seller paid closing costs can be financed, reducing up-front costs. And, FHA limits some fees that FHA approved mortgage lenders charge-for example, the FHA loan origination charge. FHA sets limits on the size of the FHA mortgage loan that vary with location and the number of units being purchased.
However, Section 203 C condo loans have some unique restrictions. If the apartment is in a building that was converted from rental housing, no insurance may be provided under Section 234C unless: (1) the condo conversion occurred more than one year before the application for insurance; (2) the potential buyer or co-buyer was a tenant of that rental housing; or (3) the conversion of the property is sponsored by a tenant’s organization that represents a majority of the households in the project. Eighty percent of FHA-insured mortgages in the project must be made to owner-occupants.
Posted in Mortgage | 
Tags: Condominium Unit, Fha Mortgage Loan, Mortgage Loan Product | 
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First Time Home Buyer? Hip, Hip Hooray for Thda!
June 29th, 2009
Kristin Abouelata – Home Loans asked:
“In order to promote the production of more affordable new housing units for very low, low and moderate income individuals and families in the state, to promote the preservation and rehabilitation of existing housing units for such persons, and to bring greater stability to the residential construction industry and related industries so as to assure a steady flow of production of new housing units…”
Many times, people have heard of THDA and are confused, thinking that THDA is a certain loan type. In fact, it’s lending agency. All THDA mortgages must be insured by private mortgage insurance, FHA, VA or RECD And as these loans are intended for low to moderate income families or individuals, there is a income limit and acquisition cost limit. Also, you must be a first time homebuyer unless your home is in a targeted area.
Why is THDA so fantastic for a first time homebuyer? Well, it comes down to money. THDA offers a below market rate and will allow up to 100% financing. Have you been reading the papers lately? It’s not so easy to find 100% financing these days. Unless, that is, you’re a first time homebuyer. It also has programs that allow for down payment assistance via grants from certain approved agencies (if your loan type requires a down payment). If you have satisfactory credit and the home you wish to buy meets THDA’s standards, then you’re in business.
All THDA mortgages are 30 year fixed rate loans, so you needn’t worry about finding yourself with an ARM loan (adjustable rate mortgage) and a new payment you can’t afford in 3 years. And THDA allows lenders to only charge customers a standard 1% origination and .25% discount fee. It also closely monitors fees associated with the loan. THDA really looks out for the best interest of the first time homebuyer. If you are eligible for a THDA loan, you can feel pretty certain that an unscrupulous lender can’t take advantage of you because THDA won’t let them. For so many people, buying a home is pretty intimidating. THDA takes away the uncertainties a buyer faces with its guidelines and lending practices.
If you do apply for a THDA loan, be prepared to document your credit worthiness. THDA loans require slightly more documentation than your average loans because of the uniqueness of its product. In order to offer more, THDA asks for more – ensuring you qualify for its pretty awesome program. Sounds like a fair trade, if you ask me.
What are the disadvantages of a THDA loan? Not many. They do have a federal recapture tax if you sell your home within the first nine years of owning it. But it sounds scarier than it really is. I’ve heard that only about 1% of THDA customers actually pay this tax. That’s because a bunch of really great things have to happen to you in order for it to actually apply to you. And if those great things happen to you, paying the recapture tax won’t matter much to you anyway. I’ve been in the business for 16 years and have only heard of one person actually having to pay one. He graduated from medical school and his income when through the roof. His property was sold above market value than for the area because it was adjacent to some property that a huge retailer wanted to purchase. Again, good things have to happen to pay the recapture tax. So, you shouldn’t be afraid of it.
More people need to hear about and take advantage of the THDA loan programs. It’s such a great product and really helps the community and the housing industry. If you’re a first time homebuyer or think you’re in a targeted area, make sure you ask about THDA to see if you would qualify for a loan. You won’t regret it!
“In order to promote the production of more affordable new housing units for very low, low and moderate income individuals and families in the state, to promote the preservation and rehabilitation of existing housing units for such persons, and to bring greater stability to the residential construction industry and related industries so as to assure a steady flow of production of new housing units…”
Many times, people have heard of THDA and are confused, thinking that THDA is a certain loan type. In fact, it’s lending agency. All THDA mortgages must be insured by private mortgage insurance, FHA, VA or RECD And as these loans are intended for low to moderate income families or individuals, there is a income limit and acquisition cost limit. Also, you must be a first time homebuyer unless your home is in a targeted area.
Why is THDA so fantastic for a first time homebuyer? Well, it comes down to money. THDA offers a below market rate and will allow up to 100% financing. Have you been reading the papers lately? It’s not so easy to find 100% financing these days. Unless, that is, you’re a first time homebuyer. It also has programs that allow for down payment assistance via grants from certain approved agencies (if your loan type requires a down payment). If you have satisfactory credit and the home you wish to buy meets THDA’s standards, then you’re in business.
All THDA mortgages are 30 year fixed rate loans, so you needn’t worry about finding yourself with an ARM loan (adjustable rate mortgage) and a new payment you can’t afford in 3 years. And THDA allows lenders to only charge customers a standard 1% origination and .25% discount fee. It also closely monitors fees associated with the loan. THDA really looks out for the best interest of the first time homebuyer. If you are eligible for a THDA loan, you can feel pretty certain that an unscrupulous lender can’t take advantage of you because THDA won’t let them. For so many people, buying a home is pretty intimidating. THDA takes away the uncertainties a buyer faces with its guidelines and lending practices.
If you do apply for a THDA loan, be prepared to document your credit worthiness. THDA loans require slightly more documentation than your average loans because of the uniqueness of its product. In order to offer more, THDA asks for more – ensuring you qualify for its pretty awesome program. Sounds like a fair trade, if you ask me.
What are the disadvantages of a THDA loan? Not many. They do have a federal recapture tax if you sell your home within the first nine years of owning it. But it sounds scarier than it really is. I’ve heard that only about 1% of THDA customers actually pay this tax. That’s because a bunch of really great things have to happen to you in order for it to actually apply to you. And if those great things happen to you, paying the recapture tax won’t matter much to you anyway. I’ve been in the business for 16 years and have only heard of one person actually having to pay one. He graduated from medical school and his income when through the roof. His property was sold above market value than for the area because it was adjacent to some property that a huge retailer wanted to purchase. Again, good things have to happen to pay the recapture tax. So, you shouldn’t be afraid of it.
More people need to hear about and take advantage of the THDA loan programs. It’s such a great product and really helps the community and the housing industry. If you’re a first time homebuyer or think you’re in a targeted area, make sure you ask about THDA to see if you would qualify for a loan. You won’t regret it!
Beach Resort Discount Property Offers
June 16th, 2009
Amelie Mag asked:
In the past few years, more and more people started to show an interest for the real estate market. They were attracted by the numerous opportunities presented for distressed properties and started to look for professional assistance. Today, finding a property investment club is not difficult at all. Plus, they can facilitate the whole thing of getting a discount property, which is quite amazing.
Often times, the offers presented by the property investment club are luxurious villas, apartments or cabanas from beach resorts. One particular example that could be given is represented by Buccament Bay Beach Resort, situated in The Grenadines Islands. Imagine owning a discount property in a genuine paradise, a place where nature is revealed in its most wonderful facets. A genuine tourist hotspot, this is the sort of amazing opportunity for property investment. Tourists will definitely be attracted by this beach resort and you will make a profit with your property. What more could you wish for?
Online, you can find out extensive details for each opportunity presented by the property investment club. In the case of the beach resort, you can discover when the hotel will be completed and what kind of other properties they have available. If you desire, these specialists can even arrange for you to pay a visit to the location. You can see for yourself the site, which can only be perceived as a benefit to you. At the same time, you can use the information they give through their listings to find another discount property to invest in.
Investing in overseas property can generate some pretty important profits. If you are prepared to face the economic crisis and make a profit on the real estate market, then the property investment club is a good place for you. There are many discount property offers overseas and most of them situated in tourists hotspots like the one mentioned above. You can expect for these properties to generate high returns, even if you only decide to rent them out.
Overseas properties are definitely an interesting option, particularly if we stop a moment and think about the guarantees given by the property investment club. Among the things promised, you will find: financing options, a month of free use each year and a two year 10% rental guarantee. If you are new at this, then perhaps it might be for the best to talk to a specialist about discount property offers. Talk about the advantages of purchasing properties below market value and the returns that you should expect.
Whether you are interested in a simple studio apartment or you are looking to invest in a luxury villa, there are plenty of great offers out there. The property investment club is your number one resource to discount property offers and you will have to take your time to discover what they have to offer. Beach resorts are, however, a great place to do your investing!
Resource box: You are more than welcomed to become a member of our property investment club. We will bring to you only the most interesting discount property offers and guarantee high profits!
In the past few years, more and more people started to show an interest for the real estate market. They were attracted by the numerous opportunities presented for distressed properties and started to look for professional assistance. Today, finding a property investment club is not difficult at all. Plus, they can facilitate the whole thing of getting a discount property, which is quite amazing.
Often times, the offers presented by the property investment club are luxurious villas, apartments or cabanas from beach resorts. One particular example that could be given is represented by Buccament Bay Beach Resort, situated in The Grenadines Islands. Imagine owning a discount property in a genuine paradise, a place where nature is revealed in its most wonderful facets. A genuine tourist hotspot, this is the sort of amazing opportunity for property investment. Tourists will definitely be attracted by this beach resort and you will make a profit with your property. What more could you wish for?
Online, you can find out extensive details for each opportunity presented by the property investment club. In the case of the beach resort, you can discover when the hotel will be completed and what kind of other properties they have available. If you desire, these specialists can even arrange for you to pay a visit to the location. You can see for yourself the site, which can only be perceived as a benefit to you. At the same time, you can use the information they give through their listings to find another discount property to invest in.
Investing in overseas property can generate some pretty important profits. If you are prepared to face the economic crisis and make a profit on the real estate market, then the property investment club is a good place for you. There are many discount property offers overseas and most of them situated in tourists hotspots like the one mentioned above. You can expect for these properties to generate high returns, even if you only decide to rent them out.
Overseas properties are definitely an interesting option, particularly if we stop a moment and think about the guarantees given by the property investment club. Among the things promised, you will find: financing options, a month of free use each year and a two year 10% rental guarantee. If you are new at this, then perhaps it might be for the best to talk to a specialist about discount property offers. Talk about the advantages of purchasing properties below market value and the returns that you should expect.
Whether you are interested in a simple studio apartment or you are looking to invest in a luxury villa, there are plenty of great offers out there. The property investment club is your number one resource to discount property offers and you will have to take your time to discover what they have to offer. Beach resorts are, however, a great place to do your investing!
Resource box: You are more than welcomed to become a member of our property investment club. We will bring to you only the most interesting discount property offers and guarantee high profits!
"green" Housing Takes an Unlikely Turn
June 16th, 2009
Carol Freyer asked:
The pursuit of ‘green’ buildings that will preserve the environment may possibly veer off in an unpredictable direction that will change the face of America’s housing. Contradictory though it may sound, concrete is raising its ugly head as an attractive and ‘green’ alternative for residential housing.
Although concrete has been used in European homes for over fifty years, it has not been in any way popular in U.S.A. If the thought of gray concrete homes in small town America is abhorrent to you – think again.
One of the European countries that make the largest proportion of concrete houses is France. Yes, that includes those cute little homes in the villages of Provence that people drive for miles to see! Underneath the sunny yellow paint on the exterior ’stone’ finish and the brilliant blue shutters framing the tiny windows – is blah gray concrete.
What’s more, inside the cool cottages where the interior walls are painted cream and edged with dark woodwork for relief is also blah gray concrete! So what’s the problem?
Change is always resisted by the majority, but concrete is gaining ground in developments around USA. This is because concrete has re-invented itself into the environmentally acceptable AAC. It is also known as E-Crete, but AAC – short for Autoclaved Aerated Concrete – can produce a home that is fireproof and whose construction is 80% air!
Buildings made from AAC will not rust, decompose, warp or rot and this makes them very low maintenance. Concrete does not offer the type of environment that encourages little critters such as termites; it also cannot be chewed through by mice etc, which are two more points in its favor.
Concrete walls do not give off toxic gasses and neither will home owners experience ‘cold spots’ in their rooms. This can be attributed to the unique design of the blocks which means that an AAC home comes with its own insulation against both the summer heat and the winter cold.
AAC offers better acoustics than a normal wooden home, in that it reduces the traveling of mechanical noises, decreases the penetrating ability of outside noises and does away with the echoing sound of an empty room. Or, in a nutshell, it is a quieter life inside!
For those who are interested in the environmental ethics of it all – AAC is made from adding a naturally occurring expansion agent to natural cement and sand which produces air bubbles within – rather like making concrete bread! It means all the trees can stay in the forest.
The Autoclaved Aerated Concrete Products Association (AACPA) boast that a minute amount of energy is needed to produce this organic product and the process of manufacturing produces no pollutants, by-products or toxic waste.
Hey! Move over log cabins and watch out America – it sounds too good to be ignored!
The pursuit of ‘green’ buildings that will preserve the environment may possibly veer off in an unpredictable direction that will change the face of America’s housing. Contradictory though it may sound, concrete is raising its ugly head as an attractive and ‘green’ alternative for residential housing.
Although concrete has been used in European homes for over fifty years, it has not been in any way popular in U.S.A. If the thought of gray concrete homes in small town America is abhorrent to you – think again.
One of the European countries that make the largest proportion of concrete houses is France. Yes, that includes those cute little homes in the villages of Provence that people drive for miles to see! Underneath the sunny yellow paint on the exterior ’stone’ finish and the brilliant blue shutters framing the tiny windows – is blah gray concrete.
What’s more, inside the cool cottages where the interior walls are painted cream and edged with dark woodwork for relief is also blah gray concrete! So what’s the problem?
Change is always resisted by the majority, but concrete is gaining ground in developments around USA. This is because concrete has re-invented itself into the environmentally acceptable AAC. It is also known as E-Crete, but AAC – short for Autoclaved Aerated Concrete – can produce a home that is fireproof and whose construction is 80% air!
Buildings made from AAC will not rust, decompose, warp or rot and this makes them very low maintenance. Concrete does not offer the type of environment that encourages little critters such as termites; it also cannot be chewed through by mice etc, which are two more points in its favor.
Concrete walls do not give off toxic gasses and neither will home owners experience ‘cold spots’ in their rooms. This can be attributed to the unique design of the blocks which means that an AAC home comes with its own insulation against both the summer heat and the winter cold.
AAC offers better acoustics than a normal wooden home, in that it reduces the traveling of mechanical noises, decreases the penetrating ability of outside noises and does away with the echoing sound of an empty room. Or, in a nutshell, it is a quieter life inside!
For those who are interested in the environmental ethics of it all – AAC is made from adding a naturally occurring expansion agent to natural cement and sand which produces air bubbles within – rather like making concrete bread! It means all the trees can stay in the forest.
The Autoclaved Aerated Concrete Products Association (AACPA) boast that a minute amount of energy is needed to produce this organic product and the process of manufacturing produces no pollutants, by-products or toxic waste.
Hey! Move over log cabins and watch out America – it sounds too good to be ignored!