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Newspaper
News
Location
Frederick, Maryland, United States of America
Date
Jan 05, 1996
Page
25
New York AP notes falling rates could boost 1996 mortgage refinancing. If 30 year rates dip toward 6 percent, many homeowners may reconsider loans, with motives from lowering payments to shortening terms. Ernst & Young advises evaluating payback period and staying power in home, not just rate drops.
Homeowners should inspect roofs in spring and fall using simple tools. Look for leaks in the attic after rain, missing shingles, cracked flashing, and clogged gutters. For decayed rafters or large areas of damage, hire a qualified roofing professional.
The Homebuilders Association of Maryland foresees a contentious year due to federal budget cuts and economic impact. President John P. Martonick warns lenders may hesitate on loans, while multi-family projects could rebound as vacancy rates drop. He notes industry employment and taxable income, and urges better public communication of the industry's value.
October starts dropped 3.7 percent to a 1.34 million annual rate, the third straight decline, with permits down 0.7 percent. The drop hit apartments and single family homes, while regions varied from modest gains in the Northeast to steep cuts in the Midwest and West.
Remodeling can be costly yet worthwhile with design pros saving time money and headaches. Designers guide color patterns materials and accessories and act as collaborators guiding non structural work while architects handle structural needs for new builds.
The Hardwood Manufacturers Association offers tips for selecting design pros and balancing budget with smart planning. Learn to interview designers, define project goals, and consider design fees as an investment. Contact ASID for credits and get resources from HMA at freewood information line.
Maryland reassessments show an average 1.3 percent statewide rise in property values, with higher gains in the early 1990s. University of Baltimore economist Michael Conte calls it a positive sign and anticipates a 1996 pickup, while some builders caution that near-term optimism may be limited by budget pressures and regulations.
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