Smaller homes equal financial stability.

The house of representatives has passed a landmark energy bill to create cap and trade for pollution emmissions. Get ready, energy costs are about to increase across the board even if the Senate does not pass a similar bill in the short term. Energy suppliers have been put on notice that environmental issues will trump economic growth. Expect energy costs to increase as suppliers pass on a wide range of costs to consumers.

Here is a simple solution to protect your individual finances: Owning your home is still a great path to wealth. Now owning a home will create the need for more understanding of your energy bills versus luxury. Top Choice Homes, Inc has continually influenced our clients to measure home size and energy efficiency against luxury or bigger and better homes. Your home should provide adequate size and shelter for your family. If you choose more than your needs demand, you will pay for it financially with an unsustainable utility bill and mortgage. Your home should be your financial partner. One of our recent clients qualified for a $600,000 loan. I believe most builders would have set out to convince those clients to stretch their loan and house size to the maximum. We counseled our clients (with their thorough understanding of finances) to contract with us to build a sustainable home that was not more than their needs called for. We recently completed their home with a mortgage of about $380,000 and they had funds to install a geothermal heating and air conditioning system. Their first full month's utility bill was $61.00!!!

Don't misunderstand...their home is very attractive and includes several luxury items (you should see the kitchen and the finished flooring!). Their home stops short of being overkill though. The homes nearby average about 4500 square feet. Theirs is 2300 square feet. Based on their finances, their home is entirely sustainable for their income level. If you qualify for a $400,000 mortgage would you consider a purchase at $250,000? We currently are offering 5 new homes under that price point (actually 4 since we signed a contract today with a new client).

Are you willing to thoughtfully approach your purchase with personal financial sustainability in mind or will it be the tired continuation of purchasing as much as you can afford or more?

Partner with us today to build your first energy efficient new home. Or even better, sell your excessive home while there is still demand and downsize on utility bills in order to supersize your disposable income. We are ready to guide you through the process of sustainability.