Community Developer, Home Builder: Evansville, IN, Louisville, KY: Jagoe Homes
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My Personal Jagoe Home Story: Week 8

My Personal Jagoe Home Story: Week 8

And just like that… my new, Jagoe Home is framed!

There is an actual HOME on that giant slab of concrete!!

After my slab foundation was complete, framing my home was the very next step. It could have been framed the next day if our framing crews weren’t already busy with other Jagoe Homes that were in the construction pipeline before mine! Sometimes it can take up to two weeks for the framing crew to get to your job site, depending on how busy they are. Framers will also not complete a job if it is raining or we are experiencing other types of inclement weather. Of course, it rained the day that my framers were originally scheduled to come, but luckily there was no rain the next day, and VOILA!

As you can see, we try our best to keep our construction sites clean

However, this is normally where our customers get pretty excited in their building process!

Most Jagoe Homes are Framed by the Amish

Amish framers are some of the best in the business because this particular trade has been passed down through the men in their families for generations. Their attention to detail is incomparable and they take immense pride in their work. The Amish travel to our Jagoe Homes communities from Southern Indiana and Central Kentucky. On the way to the job site, the 2-12 men crew reviews and studies the home plans so that when they arrive on the site, they can easily hit the ground running. One crew can frame a home the size of mine (about 1500 square feet) in only one day. We estimate that the Amish have framed over 5,000 Jagoe Homes.

Jagoe Homes also utilizes engineered roof trusses, meaning they are already put together, which increases quality of workmanship and timeliness when framing a home. We also use certain grades of lumber of better quality in all Jagoe Homes. As we learn and grow as a home builder, we look separately at structural issues and insulation issues due to framing. This reduces thermal bridging, which is a fancy way of saying that the wood that your home is framed with, believe it or not, contributes to your homes’ energy efficiency.

There’s more to the framing stage than wood!

You can also see that all of my Sun Windows have been installed! In fact, we proudly install Sun Windows in every Jagoe Home! Sun products are designed to maximize your home’s energy efficiency. The insulated glass systems use the latest advances in energy performance technology. This includes new generation Low-E glass, Argon gas filled air spaces, and Duralite™, the most advanced warm-edge insulated glass spacer system available.

At this point in my process with FBC Mortgage, my loan has reached the underwriting stage. I’ve received a couple emails from my loan officer regarding where my loan is in the process. I also needed to present him with some recent bank statements, a copy of my driver’s license and a few other documents to help the underwriters. I’m also watching interest rates fall, which is great news for me!

My Personal Jagoe Home Story: Week 7

My Personal Jagoe Home Story: Week 3

My Personal Jagoe Home Story: Week 1

Up Next: Plumbing and Electrical Rough-In

jagoe homes fbc mortgage

THIS WEEKEND ONLY – Saving You Green

THIS WEEKEND ONLY – Jagoe Homes is Saving You Green!

Purchase a Move-In Ready Jagoe Home and Get:
  • One of the following FBC Mortgage Rate Programs:
    • 2.625% (APR 5.969%) FBC Mortgage 2/1 Rate Buydown FHA or Conventional**
    • 3.99% (APR 4.064%) FBC Mortgage Conventional Permanent Rate Buydown***
    • 3.99% (APR 5.052%) FBC Mortgage FHA Permanent Rate Buydown****
  • Reduced Pricing on Select Move-In Ready Homes*
  • Up to $2,000 in Closing Costs*****

View Available Jagoe Move-In Ready Homes that Qualify!

FBC Mortgage, LLC is an Equal Housing Lender. NMLS# 152859. All products are subject to credit and property approval. Programs, rates, program terms and conditions subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations may apply.

*St. Patrick’s Interest Rate offer & Reduced Pricing good on Jagoe Select Move-In Ready Homes that are under agreement no later than March 18th, 2019. Limited to 1 select Move-In Ready Home per community.

**2.625% 2/1 Rate Buydown FHA Rate, 3.5% down payment, 30 year fixed rate loan after 2nd year. Interest rate based on minimum credit score of 640, lock rate of 45 days, close by 04/30/2019, and is subject to change daily, other restrictions may apply. APR 5.696%.

***3.99% Conventional Permanent Rate Byuydown, 15% down payment, 30 year fixed rate. Interest rate based on minimum credit score of 740, lock rate of 45 days, close by 04/30/2019, and is subject to change daily, other restrictions may apply. APR 4.064%.

****3.99% FHA Permanent Rate Buydown, 3.5% down payment, 30 year fixed rate. Interest rate based on minimum credit score of 640, lock rate of 45 days, close by 04/30/2019, and is subject to change daily, other restrictions may apply. APR 5.052%.

*****Up to $2,000 in clsoing costs from Jagoe Homes based on using their approved lender, FBC Mortgage. Pre-paids not included.

My Personal Jagoe Home Story: Week 7

My Personal Jagoe Home Story: Week 7

My foundation is complete! After the footer for my new home was installed, the next step was my foundation block.  After the installation of the foundation block, insulation was then installed around the interior of the foundation, which helps to reduce monthly energy costs. Next, plumbing was installed, the foundation was filled with rock and the concrete floor was finally poured. That completes the foundation for my home!

Owensboro had a high of 8 degrees on Wednesday of Week 4, so some progress was delayed due to the polar vortex and freezing conditions. Then, it decided to rain for several days in Week 5 and in the beginning of Week 6. Hard rain can damage concrete as it is curing, and make it not smooth and uneven with each rain drop. This is why you never want to poor concrete in the rain. January’s weather is so wildly unpredictable. This is frustrating for me as a home owner, but I would much rather my home be structurally sound and wait a couple more days for it to be perfect.

Here’s what my home looked like during the block, insulation and plumbing phases:

Block:

home story
home story
home story

Insulation:

home story
home story
home story

Plumbing:

home story
home story
home story
There are many benefits to building your new home on a concrete slab:
  • Slab foundations minimize the risk of damage from flooding or the leaking of gasses such as radon from a basement or crawl space into the house. However, all Jagoe Homes communities are built above flood plains.
  • A concrete slab can protect a home from termites or other similar insects, as they have no open spaces underneath the house that would give them access to wooden joists or supports they could chew.
  • In certain conditions, slab foundation is a very cost effective way to build your home.
  • Slab homes are often built closer to the ground than homes with basements or crawl spaces, thus reducing the number of steps it takes to enter. This can be advantageous for anyone who has a hard time getting up and down steps. A slab may be built on a higher level if the home owner prefers.
My concrete slab was installed on February 18th!

My Personal Jagoe Home Story: Week 3

My Personal Jagoe Home Story: Week 1

Up Next: Framing

jagoe homes fbc mortgage

2019 Spring Tour of Homes

Join Us for the 2019 Spring Tour of Homes in Evansville and Newburgh

The 2019 Spring Tour of Homes, presented by the Southwestern Indiana Builders Association, in Evansville and Newburgh gives you an exclusive, FREE, 2-day opportunity to visit brand new, Jagoe Homes! Our homes in the tour will be open to the public on March 2-3 from Noon – 4 PM on both days. A few of our homes in the Spring Tour are Fully-Decorated Model Homes, the remaining homes are near completion or Move-In Ready. Special Move-In Ready Home Incentives are currently available. Click here for more details on our Sale-A-Bration!

Feel free to also meet with a Jagoe New Home Sales Consultant in the communities to discuss building your new Jagoe Home! We have a variety of home plans and facades to accommodate your family’s needs. Plus, you can Personalize & Price a Jagoe Home online NOW!

Visit Move-IN Ready Jagoe Homes in the 2019 Spring Tour of Homes:

 

Waterside at Berkshire

5571 Brompton Drive

Newburgh, IN, 47630

4 BD / 2.5 BA / 3-Car

$381,358

Savings of $10,000!

Sale-A-Bration

2019 spring tour
Waterstone Village

2893 Courtz Court

Newburgh, IN, 47630

4 BR / 2 BA / 3-Car

$324,969

Savings of $14,000!

Sale-A-Bration

Brookstone

3090 Megan Drive

Newburgh, IN, 47630

4 BD / 2.5 BA / 2-Car

$266,920

Savings of $7,000!

Sale-A-Bration

2019 spring tour
The Grove at Brookstone

3043 Limestone Court

Newburgh, IN, 47630

3 BD / 2 BA / 2-Car

$192,727

Savings of $6,000!

Sale-A-Bration

2019 spring tour
The Stables

4828 Stables Drive

Evansville, IN, 47715

3 BD / 2 BA / 2-Car

$205,000

Savings of $10,000!

Sale-A-Bration

2019 spring tour
Creekside Meadows

13630 Prairie Drive

Evansville, IN, 47725

4 BD / 2.5 BA / 3-Car

$274,093

Savings of $9,000!

Sale-A-Bration

 

Visit Jagoe Model Homes in the 2019 Spring Tour of Homes:

 

Cayman Ridge

2415 Belize Drive

Evansville, IN, 47725

3 BD / 2.5 BA / 2-Car

$232,344

2019 spring tour
The Orchard

617 Criterion Way

Evansville, IN, 47711

3 BD / 2 BA / 2-Car

$228,983

2019 spring tour

Discuss Financing Options with a Jagoe New Home Sales Consultant and Our Preferred Lender, FBC Mortgage!

jagoe homes fbc mortgage

My Personal Jagoe Home Story: Week 3

My Personal Jagoe Home Story: Week 3

I’m starting to see activity on my home site! The footer was dug in the morning and the concrete for the footer was poured in the afternoon on Thursday, January 24th. The snow delayed progress on my home for a couple of days.

From now on, I am very careful around the construction site!  As a homeowner, I try to plan my visits after our trade partners have finished for the day.  For everyone’s safety, It’s best not to bring small children or pets to the construction site.

Last week (Week 2), I received a letter from Kim, our Loan and Closing Administrator.

The letter states that Jagoe Homes had a calculated “Estimated Closing Date,” and that this date is “to be in the approximate time frame between: May 15, 2019 and June 15, 2019.”

This letter also includes that, “an Estimated Closing Date time frame is subject to significant changing due to weather, municipalities, material shortages, etc. When your home is at the drywall stage, I (Kim), will contact you with a date and time for your Homeowner Orientation and Closing. This is usually 30 to 45 days before closing.”

The letter goes on to state that, “another big task you accomplished is your loan approval from FBC Mortgage. With that loan approval we are moving forward with the construction of your home. Your lender has approved your loan based on the current status of your financial, employment and credit ability. Keep in mind a few important things to remember during the construction process: Do not open any new credit accounts; Do not incur additional debt; No change in your current employment status that would affect income; Please be sure to provide your lender with any and all documentation as requested.”

From a home owner’s perspective…

Now, it is January, so I was definitely expecting some weather delays on pouring the concrete footer for my home. We’ve had some not-so-awesome rainy, snowy, icy, cold days here in Owensboro, Kentucky in the past couple of weeks. Pouring concrete in winter months is a tough job due to weather and shortened daylight hours. Concrete can successfully be poured in cold weather! However, concrete should never be poured on frozen ground, snow or ice.

Here is what my home site looked like after the footer was installed:

 

Our preferred lender, FBC Mortgage, also sent me loan documents to electronically sign the same day that I received Kim’s letter last week. This was a very quick and easy process! Make sure that you read over your loan documents carefully.

After your brand new, Jagoe Home is Production Released, be very careful not to do something that could have a negative affect on your credit score.

This could include the purchase of high-priced items or vacations. Other examples could be purchasing furniture or even a vehicle. Be sure to make all of your current payments on time, especially credit cards.   This is one of the biggest investments you can make in your life!  It’s very important to keep your credit score in excellent condition throughout the entire construction process as your closing loan officer will administer another soft pull of your credit prior to the closing date.

If you are unsure of a decision that you are making and whether it will affect your credit or not, you can always consult your loan officer!

My Personal Jagoe Home Story: Week 1

Up Next: Slabjagoe homes fbc mortgage