Parry Custom Homes Blog

How to best handle your down payment

Categories: Buying a Home, Homeowner Tips, Pittsburgh on your lot builder | Posted: March 27, 2020 | Comments Off on How to best handle your down payment

 

Down payment 101

Down payment 101

Gone are the times in buying a home where you have to have a large sum of money saved up in order to purchase a home. Now, depending on your financing, the minimum down payment for a new home may be lower than you think. Combined with the current interest rates that are at record lows, many are finding it more affordable than they thought to purchase a new home! Parry Custom Homes, a premier Pittsburgh on your lot builder, shares how to best handle the down payment of your new home with the different options you will have.

It is important to consider where to store your funds for the down payment on a new home. Whether you have it in savings already or if it will be a gift from a family member, it’s good to have a plan in place on where this money will be housed. These three tips will help you with this decision and also avoid delays in securing your new home loan.

Tip number one: Do not house your deposit in your checking account

The first and one of the most important tips is to not put all your home deposit money in your checking account. Believe it or not, checking accounts can be a problem in home buying. If you keep your home loan money in your checking account where you pay your bills, it can look to a lender like you are spending your home loan money on your bills and everyday spending, which is not a good thing.

Instead, keep your money in a separate account or savings account that you are not taking money out of. It’s best to keep it in a separate savings account that has little to no activity.

Tip number two: Keeping it in another person’s account

If you are storing money in your parent’s bank account, even though it may be your money you will have to have them sign a “gift letter” stating that the money is donated, so your mortgage company knows it’s not another loan.

Even though the money is not technically a gift since it is money you own, your lender wont view the money in that way. Any account that is on paper that is yours, is considered your money. Any account that contains funds under another person’s name, is considered their money.

If you are in fact getting a gift of money from a family member, they will need to provide the gift letter as well as bank statements that show they have the funds to give the money to you as well.

Tip number three: Storing money in your safe

Hiding your money at home and away from the eyes and the ears of a bank doesn’t help you either. All financial institutions have strong anti-money laundering laws to prevent any criminal activity. The money you use to buy a home must be in your bank account for at least 60 days or the money has to be gifted, as mentioned above.

Cash deposits from any side jobs will be sure to create questions and conditions from your mortgage lender. It is best to do yourself a favor and when you are serious about buying a home, use your bank account to store all your funding.

Following the three tips above will not only make sure you are following the right steps when buying a home, but also prevent you from any time sensitive issues that could prevent you from buying the home or getting the loan you need, when you need it.

 

 

 

Parry Custom Homes is an established homebuilder in the Pittsburgh area.  Call or contact us today for more information.

Tips to handle your current “new normal”

Categories: Uncategorized | Posted: March 20, 2020 | Comments Off on Tips to handle your current “new normal”

If the past month has left you feeling a bit confused with all of the changes going on around you, know that you are not alone! Had someone told you even two months ago that things like hand sanitizer, toilet paper, and non-perishable items would be in limited demand in the coming weeks, you would have probably looked at them like they were crazy. However, this has become our current reality and many just want some help and guidance to cope with the  new normal we are currently living in. Parry Custom Homes, a premier Pittsburgh on your lot builder, shares tips on how to best adjust to your current new normal.

Tip #1: Don’t fall into the urge to panic

If you go to the store and see empty shelves or worry you will run out of toilet paper before you are able to get more, just remember this is temporary. The recent panic over this pandemic has caused people to go overboard in terms of what they purchase, leaving our stores to suffer the consequences. However, just remember that in the coming days and weeks, these things will go back to normal and you will be able to access them after the initial panic has calmed down.

Tip #2: Adjust your family to the new normal

Since this temporary new way of life will be one we have to deal with for the coming weeks, the best thing that you can do is create a new routine and what your normal new routine now is for you and your family. Sit down together and establish a schedule for how your days will look. If you have kids, invite them to be a part of the conversation and creation of their daily schedule. Having everyone in the know on what each family members daily routine will look like, will help alleviate much of the frustration that can come from having everyone home at the same time.

Tip #3: Take care of your health (both mental and physical)

Not only from a physical perspective will taking care of your health during this time be important to protect your immune system from this virus, but from a mental standpoint it will be necessary to take care of yourself as well. Turn to the things that bring you comfort during this time. Whether it is attending church online, painting, baking, or getting outdoors when the weather is nice for a walk or even to spend some time in your yard.

Tip #4: Find or create new hobbies or projects

Especially if you are an avid sports lover, now that there are no current sports on the television that you can spend your time watching, you may be left with more time on your hands than you previously had before. Consider finally tackling some of your home projects or organization you never have time to get too. Maybe you have a hobby you love, but just can never find the time to dedicate to it. Now might be the perfect time for you to do these things and make the most of the time you now are spending at home!

You can also do things that are calming, such as read a book, take a bubble bath, or listen to music. There are not many times in life where you are able to truly un-plug from the world and recharge your batteries, and right now might be the perfect time to indulge in just doing that for yourself.

Tip #5: Hold onto normal as much as possible

Think of the normal, day to day things that you did before this pandemic happened and you were forced to be quarantined in your home. Did you take your dog for a walk every evening after you got home from work? Did you drink your coffee while reading the newspaper or having breakfast before work? Did you go for a jog every evening before dinner? Anything in your normal routine that you did prior to this, hold on to that and keep that as part of your daily routine. It will help things seem more normal, even when they aren’t.

Tip #6: Be thankful

Just keep into perspective that everything is temporary. Both the good times and the bad times are short-lived and we all go through different seasons of life. Remember all of the things you can be thankful for during this time. The people around you, the food you eat, your faith and even a roof over your head. Be sure to hold onto a positive attitude and once this is all over, you will be a better and stronger person because of it.

 

Parry Custom Homes is here for our community and wants to accommodate you the best we can and support our neighbors during this time.

Tips When Purchasing A New Home

Categories: New Homes in Pittsburgh | Posted: March 13, 2020 | Comments Off on Tips When Purchasing A New Home

New Home in PittsburghIf are considering purchasing a new home in Pittsburgh this spring or summer, you might find yourself on the fence due to the unknown of what is going to happen to interest rates in the coming few years since they are currently at record lows. Odds are over the next few years, home prices will continue to increase and  you might very well look back and wish you had bought your new Parry home when you first thought about it.  Here are some things to know when you consider buying your Parry Custom Home.

The first tip is to not buy a home if you can’t stay put.  If you can’t commit to a least three years at minimum, you may end up losing money if you sell your Parry home sooner, even in a rising market.

The next tip if you are at a place where you can stay put for a while is to start shoring up your credit or make sure it is in good standing before you set to purchase a new home.   Make sure your credit history is as clean as possible.  A few months before you purchase your new home, get copies of your credit report.  Make sure the facts are correct and fix any problems you discover.

The next tip is if you can’t put a large sum of money down for  a down payment, you may still qualify for a loan.  There are a variety of public and private lenders who, if you qualify, offer low interest mortgages that require a small down payment on a home.

The next tip is to choose carefully between points and rate.  When picking a mortgage for your new Parry home, you usually have the option of paying additional points, which is a portion of the interest that you pay at closing, in exchange for a lower interest rate.  If you stay in your Parry home for a long time, it is usually a better deal to take the points.  The lower interest rate will save you more in the long run.  Check with you financial adviser to help you decide.

Lastly before you even choose your Parry home, make sure you get pre-approved.  By getting pre-approved you will know how much house you can afford and put you in a better position to make a serious offer when you find the right Parry model home for you and your family.  Don’t confuse this with pre-qualification, which is based on a brief review of your finances, pre-approval from a lender is based on your actual income, debt and credit history.

If you decide to take the step of purchasing a Parry home, we hope this has helped you as you lay out your future as a homeowner in Pittsburgh and would love to help make your new home dreams a reality with one of our beautiful new homes!

 

Parry Custom Homes is an established homebuilder in the Pittsburgh area.  Call or contact us today for more information.

Community Spotlight: The Trails!

Categories: New Homes in Pittsburgh, Pittsburgh on your lot builder | Posted: March 6, 2020 | Comments Off on Community Spotlight: The Trails!
The Villas at The Trails

The Villas at The Trails

Are you in search for a Pittsburgh on your lot builder? If so, consider the local family owned Parry Custom Homes to make your dream home a reality! We make the home buying process easy for our buyers and help them from start to finish. The perfect home starts with the perfect location, and we are here to help you find the perfect place to build your new home.

If you are looking for a new home in Penn Township area, or would like your children to attend the Penn Trafford School District, we have the perfect community for you!

The Trails is a wonderful small new home community with lots suited for a daylight basement. The Trails is located in the eastern suburbs of Pittsburgh, off of Route 130 in Westmoreland County.

Located just minutes from Monroeville and Murrysville, this great community is in close proximity for access to Route 30 and Route 22.

The Trails offers its residents private home sites that slope to the rear and have a beautiful scenic view of wooded rear yards.

This small private neighborhood is perfect for those buying their first home, starting a family, or an empty nester looking for a great place to relax and downsize into a quite and comfortable location.

For those of you who like basements, there are daylight basement homes on lots available as well in this great community.

To get to The Trails, take Route 130 to McWilliams road or take a right on Murrysville road, a left on Meadowbrook road, a right on McWilliams road and then a right on Old Trail Court.

For more information, call or email us anytime! If you would like to visit our Irwin Showroom, call 724-863-0199 for more information. The showroom hours are 10am-5pm.

 

Parry Custom Homes is an established homebuilder in the Pittsburgh area.  Call or contact us today for more information about this floor plan option, or to view other homes in our portfolio that may suit your new home needs.

Decorate your home for Spring – On a Budget!

Categories: New Homes in Pittsburgh, Pittsburgh on your lot builder | Posted: February 28, 2020 | Comments Off on Decorate your home for Spring – On a Budget!

After the cold, dreary months of winter, is there anything more exciting than March on our doorstep and Spring right around the corner? The warner temperatures bring vibrant colors, cool breezes, and much needed sunshine. What better way to usher out the snow and welcome the season with an indoor makeover? Get your home ready for the spring season with these budget-friendly indoor decorating tips.

Fresh flowers. Flowers add a pop of color and life to any room. But not everyone has a green thumb or the garden space to plant a variety of flowers. Visit your local supermarket for fresh and pre-arranged bouquets to liven up any room in your home. To keep flowers looking fresh longer, use room temperature water and cut the stems (about 1 to 2 inches) before putting them in a vase. Look for flowers at your local grocery store, co-op, or farmer’s market.

De-clutter your home. During the winter, homes tend to accumulate a lot of extra stuff. Holiday decorations, cold-weather gear like boots and hats, and extra blankets can make your home feel small and cluttered. Now that the spring season is arriving, it’s time to de-clutter these spaces and simplify things. You can also try for a monochromatic feel with soft whites and light colors. Your home will feel bigger and brighter with that extra space.

Create an edible centerpiece. Spring brings with it a bounty of fresh fruits and vegetables. This produce is beautiful on its own, so why not use it as a centerpiece? Find your favorite serving bowl, or go shopping for one, and fill it with bright oranges and fresh apples. The best part about this decorating tip? You can eat it!

Buy or make pillow covers. Pillows are an excellent way to decorate on a budget. You can instantly change a room by switching up a pillow cover, which is an easy cost to manage. This has to be one of the easiest ways to decorate a room – no fussy arrangement needed. Just throw a few pillows onto your couch, chair, or bed for a new look. These covers aren’t expensive to buy or make, and storing them takes almost no room at all.

Swap out or put away throw blankets. In the fall and winter, there’s nothing better than curling up under a fuzzy blanket. But we’re saying goodbye to cold weather, so it’s time to put away or swap out those thick, dark-colored blankets. Look for thinner blankets in vibrant colors, like pastel blues or yellows, to give a lightened up look to your living room. For an even more budget-friendly option, repurpose leftover light-colored fabric and drape it over your couch. You’ll be surprised how much this simple action changes the entire feeling of a room.

Faux plants or flowers. Fresh flowers are relatively affordable, but maintaining the look can be a hassle. Faux plants or flowers have only an upfront cost and can add a nice natural look to your home. You can change the pot or vase for a fresh décor and never have to worry about cleaning up wilting or dead flowers left out too long. Craft stores often carry these plants and flowers at an affordable rate.

These easy options help your home look brighter and more vibrant without breaking the bank. Preparing your house for Spring will help you bring in the new season and transition from the darker months with ease. Brighten up your home with flowers and new fabrics, and enjoy the sunshine.

 

Parry Custom Homes is an established homebuilder in the Pittsburgh area.  Call or contact us today for more information about this floor plan option, or to view other homes in our portfolio that may suit your new home needs.

Spring Cleaning: Home Maintenance Tips

Categories: Homeowner Tips, New Homes in Pittsburgh, On your lot builder Pittsburg | Posted: February 21, 2020 | Comments Off on Spring Cleaning: Home Maintenance Tips

 

Spring Cleaning

Spring Cleaning

As we creep closer to March and the promises of spring, many people find the itch for spring cleaning setting in. It is always good to keep up on your home maintenance year round, so that your home always stays in good condition and you can preserve the value of it over time. Parry Custom Homes, a premier Pittsburgh on your lot builder, shares the best home maintenance tips to put into play this spring.

No matter the age or size of your home, it is just like your car and needs to be maintained in order to run efficiently over the long haul. Keeping up on how your home ages, needs to hit the main spots of a “dry, clean, well-ventilated, free from contaminants, pest-free, well-maintained and overall safe” home.

Water leaks are a big thing that many homes suffer from, no matter how small. Even though your leaky faucet may not seem like a big deal now, one faucet that drips equates to $20 a year and 10,000 gallons of water. The most common offenders in your home for this type of thing will be toilets that run, and faucets or shower heads that drip.

Most of these issues are also easily fixable! If you have a wrench and a screwdriver, most leaks you will be able to fix yourself.

Other than leaks in your home, these items should be on your home maintenance to-do list:

Clean your stove vent screen and check for build-up on the inside of the vent every couple of months.

Clean the lint trap and outside dryer exhaust.

Check for signs of pests in your home.

Test all GFCI outlets in the home (with the button in the middle.)

Vacuum under and behind the fridge- a must once you realize what is behind there!

Lastly, be sure to change out the batteries in your smoke detectors twice a year and make sure they are working. Also, be sure to clean your gutters in the fall and in the spring once the tree blooms are gone.

Whether you plan to stay in your home forever, or just plan to be in your home until you outgrow it, keeping up on the maintenance of your home will save you big in the long run. Keeping your home up to par will preserve the value and allow you to ask for top dollar, when it comes time to sell.

 

 

Parry Custom Homes is an established homebuilder in the Pittsburgh area.  Call or contact us today for more information about this floor plan option, or to view other homes in our portfolio that may suit your new home needs.

Design Basics For Your Parry Home

Categories: New Homes in Pittsburgh | Posted: February 13, 2020 | Comments Off on Design Basics For Your Parry Home

Pittsburgh new home

Most of us generally evaluate by things by sight and appearance. Our homes are no different. The style of your Pittsburgh custom home is more than just design. It describes your personal style, so it important to think what is the best way to set up your home that shows who you are.   Here are some tips that can be used to show your new Parry home at its best.

When selecting a paint color for the rooms of your new home, don’t forget the ceiling. It may seem a little unconventional to you to paint your ceiling anything but white, but today the ceilings are being treated as a fifth wall. Go two to three shades lighter or darker than the color you choose for your walls. This brings warmth to the room of your home and once you see a difference it makes in the room, you will never have white ceilings again.

To add personality to the room of your home, add good art pieces. You may not have invested in good art pieces before, but you will be surprised at how it can transform a room. A beautiful painting is something that can add color and life to any room.

To make the rooms of your new feel spacious, don’t overload the room with furniture. Choose the appropriate size of furniture for the room. Same goes for the bedrooms, makes sure that the beds aren’t too large for the space. This only makes the room appear smaller and takes away the space next to the bed for side tables. If you are not sure on what furniture would work best in your home, you can use resources like online layout apps or websites. You can also make it easy and hire an interior designer to help you come up with a game plan for the furniture in your room. Many furniture stores now have an on-staff interior designer that can help you make the best selections for your new home.

If you have children, consider slipcovers to protect your furniture. Slipcovers have come a long way in style and fit, if you haven’t checked them out in a while. It also provides you with an opportunity to change design styles whenever you desire.

If you like the challenge of designing your own space in your home, then we hope these tips have been useful. If you need a second opinion, hire a professional who can help steer you in the right direction and style your for home exactly as you envision it!

 

Parry Custom Homes is an established homebuilder in the Pittsburgh area.  Call or contact us today for more information about this floor plan option, or to view other homes in our portfolio that may suit your new home needs.

Top considerations before tackling a DIY bathroom project

Categories: Pittsburgh home builders, Pittsburgh New Home Builder, Pittsburgh on your lot builder | Posted: February 7, 2020 | Comments Off on Top considerations before tackling a DIY bathroom project

 

If you are planning to sell your home this spring or just simply plan on making some updates to your own home this year, the bathrooms in a home are a main make or break decision maker that buyers look for in a new home, as well as the place in which homeowners spend a good deal of time in as they get ready for and wind down each day. Parry Custom Homes, a premier Pittsburgh on your lot homebuilder, shares tips on what to be aware of before you tackle your bathroom remodeling project.

One of the first things you need to do before even going to the store to look at items for your bathroom remodel, is to properly layout and space the bathroom and the adjustments or renovations you plan to make.

A far too common mistake when homeowners try to tackle a DIY bathroom project, is underestimating the amount of space in their bathrooms. You may be eager to find great new items for your bathroom, such as new cabinets, sinks, storage, etc. however, you need to be sure you measure and apply what makes sense for the space you have before purchasing anything. Just because something may fit in your bathroom, doesn’t mean it is the right size for the space.

The next thing you need to think about and plan, is where things need to go and what makes sense for room and location. For example, if you are redoing the shower in the bathroom, be sure to leave more than enough room so that shower doors can fully open and close to get in and out of easy. Also, be sure if there are doors in the bathroom, all doors can open without bumping into anything.

Then there are smaller things to consider, such as the number of outlets and the location of those outlets. For example, you will want to have outlets by the sink so that you could plug in hair dryers, lights and so on. You also need to be sure to position things like towel and toilet paper holders at the right height and location.

The next thing you want to do is be sire not to choose the wrong materials for your bathroom. For example, be sure to only select materials that can stand up to harsh cleaners, as well as the moisture that you will run into in a bathroom space. Do not go with any porous materials that will retain moisture and cause hidden mold to grow over time.

Another item on your list you will need to be sure is at the top of your list, is proper ventilation for your bathroom. If you forget this step or don’t allow for proper ventilation, your bathroom can end up with mold, mildew and other costly problems as time goes on. It is also very uncomfortable to be in a bathroom that has poor ventilation. One small but powerful thing to do is be sure to install a quality ventilation fan. These can typically cover any size bathroom and will do wonders in keeping any mold or mildew at bay.

Once you have these items in place, be sure to think about your bathroom lighting. While this often falls as one of the last items on a bathroom to-do list, as you very well may know poor bathroom lighting can cause major issues. No one wants to have to get ready in a dimly lit bathroom, so be sure to install the correct type of lighting as well as the correct amount of lighting to your liking.

Lastly, don’t let storage fall by the wayside. Especially if you are selling your home, a major downfall of buyers losing interest in a home is if there is little to no storage in the bathrooms. Be sure to consider things like toiletry, towels, paper products and so on that most homeowners like to keep in their bathrooms and want to have room for.

 

These simple tips will give you the best chance at a great DIY bathroom project!

 

 

Parry Custom Homes is an established homebuilder in the Pittsburgh area.  Call or contact us today for more information about this floor plan option, or to view other homes in our portfolio that may suit your new home needs.

Mountain Ridge Estates- A great place to call home!

Categories: Custom Home in Pittsburgh, Pittsburgh on your lot builder | Posted: January 30, 2020 | Comments Off on Mountain Ridge Estates- A great place to call home!

 

If you are planning to buy a new home this spring or summer season and are searching for the perfect place to build your new home, look no further! Parry Custom Homes, a premier Pittsburgh on your lot builder, is proud to share a beautiful new home community located in North Huntingdon, PA that would be an ideal location to call home.

Located in Westmoreland County, this beautiful new home community provides two cul-de-sac streets, which are ideal if you have kids at home or if you crave more privacy and a less busy atmosphere in terms of traffic around you.

Mountain Ridge Estates comes by its name honestly, as it sits atop the ridge of a mountain! It has the most picturesque views you can find and the wooded backyards offered in this community add to the overall appeal and charm. Imagine having your morning coffee and getting to enjoy the views this community has to offer- everyday!

You can also get the privacy and wonderful scenery from the private wooded lots that surround this beautiful community. There are 23 acres of green space and land that has been left undeveloped, so you can get out and enjoy the beautiful spring air as nicer weather comes to your doorstep this season.

What makes this community even better, is the location! Mountain Ridge Estates is conveniently located just 16 miles from Pittsburgh and just 5 miles north of Monroeville. So, not only can you enjoy a great location, privacy and scenery but you can still be close to all of the action Pittsburgh has to offer whenever you choose!

Those with children of school age or who will be of school age in the future, will be thrilled to know that this wonderful community is also  location in the Norwin School District, which has consistently been listed high amount the school rankings in Westmoreland County as well as across the greater Pittsburgh area.

This neighborhood offers approximately 48 home sites, so once they are purchased this amazing opportunity and location will be gone! Be sure and contact the team at Parry Custom Homes to learn more about how they can help you build your new home in this amazing location.

 

 

 

Parry Custom Homes is an established homebuilder in the Pittsburgh area.  Call or contact us today for more information about this floor plan option, or to view other homes in our portfolio that may suit your new home needs.

Floor Plan Spotlight: The Loretta

Categories: Custom Home in Pittsburgh, Custom Home Plans, Pittsburgh on your lot builder | Posted: January 24, 2020 | Comments Off on Floor Plan Spotlight: The Loretta
The Loretta

The Loretta

If you are looking for a Pittsburgh on your lot builder this New Year, you have come to the right place! Parry Custom Homes is the premier custom builder for custom homes in Pittsburgh and offers stunning new homes to most any buyer and budget.

We also offer a wide portfolio of home plans for our buyers to choose from, which can allow them to visually pick and choose what specs of a new home they like and customize the rest!

One of our most popular floor plans that work great for a first time home buyer or even a second time buyer wanting to purchase a new home, is our Loretta floor plan.

The Loretta plan is a stunning 2-story home that starts from the $240’s. This home is incredibly spacious for the price, spanning over 2,240 square feet.

This great home has 4 bedrooms, 2 bathrooms and 1 half bath. It is ideal for someone looking to start a family, or a family looking for some extra space and still not blow the bank.

The first floor of our Loretta plan has a gorgeous foyer as you walk in the front entrance, as you see a straight entry fireplace. There is a kitchen and great room along the rear of the house as well. The dining room in this home is located to one side of the foyer and the den is located on the opposite side of the foyer. There is a powder room right next to the foyer as well, allowing for the perfect location to entertain guests.

The second story of our Loretta floor plan features a master suite with a large bath and closet. There are 3 additional bedrooms upstairs as well as 2 full baths. A great feature about this home is the second floor laundry room that is included for the ultimate ease in doing laundry. It just makes sense!

Lastly, this plan includes a full basement under the entire first floor living area that can be turned into a great man cave, workout room, or additional play area for the kids. The options are endless!

To learn more about our Loretta plan or for help in finding the perfect home plan to suit your needs, contact us anytime! We are here to help buyers find their dream home.

 

 

Parry Custom Homes is an established homebuilder in the Pittsburgh area.  Call or contact us today for more information about this floor plan option, or to view other homes in our portfolio that may suit your new home needs.