1 Stop Shopping!

Howard Hanna Loan Programs

HannaMortgageLogo

With Howard Hanna – it’s Truly One Stop Home Shopping!  

Shop a Variety of Lenders from One Location
Howard Hanna Mortgage Services offers you the best programs and rates…bottom line. As the largest mortgage company in the area, we make over 75 lenders compete for your business everyday. Our diverse group of lenders allows us to offer you over 1,000 of the best loan programs at the most competitive rates. Please take a moment to review the various loan programs we offer.

Programs Advantages Disadvantages
Fixed Rate Mortgages
A wide range of traditional, fixed-rate mortgage programs, including 10, 15 20 and 30-year can be tailored to fit your specific needs and long-term financial goals.
  • Monthly payments are fixed over the life of the loan
  • Interest rate does not change
  • Protected if interest rates go up
  • Ability to refinance if rates decrease
  • Higher interest rate
  • Higher mortgage payments
  • Interest rate remains fixed regardless of market fluctuation
Adjustable Rate Mortgages
A vast array of adjustable rate mortgage programs, ranging from 1 month to 10 years, offering lower interest rates and lower payments than fixed-rate mortgages.
  • Lower initial monthly payment
  • Lower payment over a shorter period of time
  • Rates and payments may go down if rates improve
  • May qualify for higher loan amounts
  • Exposure to interest rate risk
  • Payments may change after fixed period
  • Potential for high payments if interest rates increase
First Time Buyer Programs
Howard Hanna has a variety of programs to meet the unique needs of our first time buyers, including competitive costs and below market interest rates for qualified buyers.
  • Low to no down payment options available
  • Less stringent guidelines
  • Lower interest rates available with certain programs
  • May be subject to income and property value limitations
  • Some government subsidized programs may have a recapture tax if the home is sold too soon in certain geographic areas
FHA/VA Loans
These programs are intended to make home ownership easier to achieve for qualified buyers. Howard Hanna Mortgage Services is an FHA Direct Endorsement lender.Veterans Administration (VA) loans are available for those who have served in our military service. Howard Hanna Mortgage Services is a Veteran’s Administration automatic lender.
  • Require little or no down payment
  • Competitive interest rates
  • Can be forgiving of less than perfect credit
  • Insured by the Federal Government
  • Must meet certain guidelines
  • Lower loan limits
Buy Before You Sell
Our own innovative program that applies the equity in your current home towards the down payment on you next home, allowing you to buy with confidence even before your current home is sold.
  • Provides down payment funds for next home purchase
  • Eliminates home sale contingency
  • Payments can be deferred for qualified buyers
  • 90 day term
  • Must meet certain guidelines
  • Must have equity in current home
  • Rentals, multifamily and commercial properties are not eligible
Construction Loans
Building your dream home? Howard Hanna can make your dream home a reality with just one loan.
  • No up-front commitment fee
  • Competitive Fixed and Adjustable rate programs
  • 9 month construction period
  • Reasonable builder approval requirements
  • Self-builds are not permitted
  • Program may not be available in alllocations
Renovation Plus
Enables a buyer to finance a home purchase, as well as substantial home improvements to that property, with one monthly mortgage payment.
  • Create immediate equity by incorporating the cost of improvements into one mortgage
  • Cost effective alternative to home equity loans and high interest credit cards
  • Eliminates the hassle of funding projects over time and out-of pocket costs
  • Make improvements before moving in
  • Cannot be used for structural repair
  • Must qualify for entire loan amount including improvements
  • Program may not be available in all locations
Luxury Mortgage Programs
At times, home buyers need to secure a loan in excess of $400,000. Howard Hanna offers a variety of mortgage options to accommodate our luxury home buyers.
  • Allows you to borrow up to $5 million (ability to lend more on a case-by-case basis)
  • Exclusive privileges through Howard Hanna’s Distinctive Client Services
  • Higher interest rates to compensate for risk
  • Larger down payment required

Let Howard Hanna not only help you find and secure your next home but also help you find your perfect mortgage program as well.  Call or text me at 412-613-4466 and let’s begin your COMPLETE home buying experience together!

 

TAS_0209-3-2 copy-2 Eric McKenna, Realtor
Howard Hanna Real Estate Services
Mobile: 412-613-4466 call/text
Email: sold@ericmckenna.com
Website: www.EricMcKenna.com
Address: 1001 Beaver Grade Rd, Moon Twp PA 15108
      

Paint it Green! Literally.

So, in the spirit of St. Patrick’s Day – Here’s some GREEN Homes!  No, I don’t mean ‘Environmentally Friendly’ homes in this instance.  I literally mean GREEN PAINTED HOMES!   Rare? Pretty much.  Unique? Absolutely!

greengreen

3 (1) colors-green2 Victorian-House-Colors-With-Green-Grass amazing-white-gray-queen-anne-victorian-mansion-gray-painted-wood-wall-paneling-rounded-house-turret-open-airy-terrace-victorian-house-designs-architecture-home-design-wonderful-victorian-style-house 003_exterior_beach_green Sabine Ext 3 traditional-exterior green-house-paint-colors-leaf-green-ranch-paint-color-ideas-790x506 options-for-exterior-paint-colors-green-house-paint-colors-bebessa-20140915233923-541778ab09fcf DSC06085(2) DSC_0136 090722b gnp-0709-house 18w25nwd1eu5ypng Dark-Green-Color-Home-Paint-Exterior-1024x605 house exterior colors ideas-OCgr green-exterior-door-pdf-p-1 house-paint-ideas-exterior-forest-green-medium-79772 (1) P1060265 Suzdal-Russia-Windows Refreshing-Green-Painted-Houses-Made-From-Shipping-Containers-Modified-with-Glass-Sliding-Door-and-Concrete-Wall colorful-house-WP greenhousecapecod

TAS_0209-3-2 copy-2 Eric McKenna, Realtor
Howard Hanna Real Estate Services
Mobile: 412-613-4466 call/text
Email: sold@ericmckenna.com
Website: www.EricMcKenna.com
Address: 1001 Beaver Grade Rd, Moon Twp PA 15108
      

Deck, Anyone?

You can transform your outdoor space and add to the value and visual appeal of your entire home with the right backyard deck. The options for design, style and scope for your deck project are near limitless, so it can help to get some inspiration and ideas right from the start.

Composite or wood construction?  Large and complex or small and simple?  Regardless what you ultimately decide, an important point to keep in mind for your backyard deck is that it’s a connective space as it bridges the gap between indoor and outdoor. For this reason, you may want to actually cover a portion of your deck—the portion adjacent to the house. Additionally, you may want to consider including landscaping around the perimeter of the deck. These two touches can subtly remind guests of the connection between the home and the backyard as well as position the deck as a relaxed and welcoming space between them. circular-deck-resized-600

Also, consider the contours of your backyard and work with them. If your backyard slopes down, a two or multi-tiered deck may be a tremendous and effective way to work with the landscape. Try to go with the flow of the yard.

For smaller spaces, contemplate a lower profile, one-tier deck, or one with just a few steps leading to the top platform. This will help take advantage of the limited amount of space, but still make for an beautiful, inviting and relaxed transition from indoors to outdoors.

So, whether you are building a complex multi-tiered deck or a humble yet beautiful single step gathering place, you may want to consider adding a focal point for your backyard deck such as a fireplace, fire pit, dining or seating area. After all, it’s going to be a gathering place for friends and family.

Inspiration can come from anywhere. Below are some of my very favorite deck ideas. Some are rather complex show stoppers. Others are just beautiful in their simplicity.  How can you not be inspired by some of these amazing creations?

b429ce21243a62c54b47d63cffb0d998

eb09958b715213934e8dc041dd753314

wood-patio-deck-design-idea-Marvelous-Nice-Decor-Cool-Furniture-Easy-on-the-eye-house-roof-design-ideas-Futuristic-Style

amazing-decks-850x638

Sensational-Deck-Enclosures-Ideas-for-Deck-Contemporary-design-ideas-with-Sensational-aryze-developments-BBQ

custom-decking-images-octagonal-shaped-backyard-decking-low-half-octagonal-backyard-wood-seat-5-levels-step-stairs-decking-with-wooden-railing-deck-image-exterior-outdoor-interesting-deck-images

backyard-decks-design-ideas

fetching-light-brown-flooring-veranda-green-fabric-cozy-sofa-light-brown-varnished-wooden-table-dark-brown-varnished-wooden-chair-oval-dark-brown-varnished-wooden-table-brown-wooden-flat-roof-backyar

dscn0904

graton-contest-winner

landscape-backyard-decks-for-small-yards-design-modern

rustic-deck

backyard-porch-of-exterior-amazing-wooden-backyard-decking-ideas-with-deck-forest-area

deck-landscaping-images

outdoor-covered-deck-design-ideasArchadeck 2013 Photography

contemporary-refreshing-elevated-patio-pergola-design-wooden-deck-with-staircases-open-lattice-patio-roof-deck-modern-deck-ideas-outdoor-stunning-modern-deck-ideas

attractive-pool-wooden-deck-area-engaging-pool-and-outdoor-living-space-beautiful-swimming-pool-with-decks-deck-image-exterior-outdoor-interesting-deck-images

beautiful-backyard-landscaping-with-light-brown-wooden-deck-brown-wooden-flat-roof-black-stained-roof-mini-garden-with-concrete-walkaway-backyard-decks-exterior-beautiful-backyard-decks-decor-inspira

Stunning-Backyard-by-Building-a-Deck-With-wooden-deck-flooring-and-outdoor-furniture-design

Stunning-Backyard-by-Building-a-Deck-With-round-wooden-deck-flooring-design

Amazing-Wooden-Backyard-Decking-Ideas-in-the-Forest-Area-930x697-Engaging-Backyard-Ideas-Engaging-ideas-for-small-backyard-spaces-Tropical-Style-1280x959

stunning-wooden-patio-deck-design-ideas-for-large-backyard-decor

simple-wooden-decking-ideas-for-backyard-patio1-1024x768

modern-wooden-patio-deck-ideas-for-backyard-decorating-ideas

18-deck-inspiration

deck-annjohnsondesign-com

dream-deck-design-1

i1035 FW1.1

fabulous-naroon-modern-backyard-project-wooden-backyard-deck-modern-glass-fence-design-modern-deck-ideas-outdoor-stunning-modern-deck-ideas

outdoor-copper-fire-bowl-upon-pebbled-ground-with-deck-floor-and-greenery-surround

9219h

Wait… WHAT is THIS?

unusual-cabana-with-opening-walls-wooden-wall-and-wooden-patio-near-the-wooden-deck-in-back-yard

building-your-own-deck-kindesign

Stunning-Gravel-decorating-ideas-for-Comely-Patio-Contemporary-design-ideas-with-built-in-bench-concrete-wall-deck-floating-pavers-gravel-hillside-Patio-pavers

manicured-grass-with-wooden-deck-flooring-feat-modern-outdoor-furniture-in-lovely-small-garden-design-plus-picture-of-shed

TAS_0209-3-2 copy-2 Eric McKenna, Realtor
Howard Hanna Real Estate Services
Mobile: 412-613-4466 call/text
Email: sold@ericmckenna.com
Website: www.EricMcKenna.com
Address: 1001 Beaver Grade Rd, Moon Twp PA 15108
      

Your Front Door

I find that it’s helpful when I  meet with a client who is considering listing their home for sale, I ask the client to join me across the street. From there, I ask them to look at their home and then I bring them up the walkway and to the front door.  Since this is exactly what the potential buyers will do, I feel it’s important for homeowners to get a first hand view of what their home’s ‘first impression’ actually is.   While there, I suggest the importance of having an entrance way and front door that is clean, fresh and inviting.

Curb appeal.  We all have heard the phrase, right?  Well, curb appeal extends beyond the process of marketing and selling a home.  ‘Curb Appeal’ also refers to the first impression your home makes on family, friends and visitors while you are living there.

furniture-family-room-design-decorating-ideas-apartment-gardening-contemporary-home-design-architecture-inspiring-dark-wooden-exterior-double-glass-door-units-design-with-charming-front-door-steps-de

While ‘curb appeal’ applies to many factors, your front door and entrance may be the most important.

Since every home is different and every budget is different, there is no ‘cookie cutter’ process or solution to fixing, changing or upgrading a front door and entrance.   Many factors must be considered.  As far as materials go, the most common front door and entrance materials are steel, fiberglass, wood and aluminum.   Once you determine the material that fits your budget and safety concerns, choosing the right door and entrance can be daunting.  But also potentially the most fun!  There are many makes, models, colors and styles and the options do seem endless.

While I have found many souces online for information on front doors, I’ve found this very good and straight-ahead article on ThisOldHouse.com to be the best.  You can read this article here.

Personally, I love front doors.  I can’t think of a more beautiful exterior statement one can make about their home than an amazing front door and entry.   And truly, when it comes to designs, colors and options, the sky’s the limit.  And while not every door will be a good fit for every home, I’m of the belief that a touch of ‘unique’ is always a good thing.

Below are some front doors and entrances that I find really unique:

s-DOR-large640 sweet-images-of-front-doors-with-yellow-entry-doors-color-and-white-jamb-also-six-glass-transom-combined-rectangular-panels-featuring-black-tensile-door-knob-and-black-doors-bell-ideas-images-of-front green-front-door -IdDesign ds-Front-Door-Colors 2 Ross-Composite-Door-in-Bog-Oak-Cream-BespokeTimber-Door-Frame esedessses rch-And-Home-Extration-Using- deciring-frle-front-door-front-door-glass-exterior-residential-doors-front-entrance-doors-custom-wood-doors-steel-exterior-doors-wood-garage-door-exterior-do 595623 sumptuous-conteasdfsdfasdfmporary-entry-door-decoration-showcasing-deep-grey-wooden-door-with-frosted-glasses-side-window-also-dazzling-bottom-rail-to-amazing-front-doors-inspiration-amazing-front-doors-exterior-728x1007 front_door_design 6a00e54f02c364883401348684075d970c-500wi Exterior-Executive-Double-Solid-Fiberglass-Parliament-Front-Door-with-multi-Point-Locks-Installed-in-King-City-Ontario-by-Exterior-Doors-Toronto striking-front-door-decorating-ideas traditional-front-doors modern-stone-wall-entry-wood-exterior-doors front-doors Modern front door with glass panes Modern front door Newly Constructed Doorway 465322437 Depositphotos_2316497_s Front door in the old house 464934567 450165033 179298468 179268281 465208131 200171288-001

 

TAS_0209-3-2 copy-2 Eric McKenna, Realtor
Howard Hanna Real Estate Services
Mobile: 412-613-4466 call/text
Email: sold@ericmckenna.com
Website: www.EricMcKenna.com
Address: 1001 Beaver Grade Rd, Moon Twp PA 15108
      

Patio or Deck?

So, Spring is just about here.  And you are contemplating adding a spot in the back of your house for socializing.  Maybe a place to cook outdoors.  Maybe a place to sunbath.  Maybe a place to kick back with a cold beer or glass of wine.  The question is:  should you choose a new patio or build a deck.

HGTV.com has a very good article on their site providing quick information to help you make that choice.

Their suggestions take into consideration your budget, lifestyle and ongoing maintenance requirements of your project.

traditional-patio

Certainly, your backyard space restrictions, terrain and even your neighborhood zoning all can play a part in your decision to go patio or deck.

As far as materials go, they touch on the choice of wood or composite decking as well as paving, brick and concrete options for a patio.

This article also links to more detailed reviews of planning and building your outdoor space as well as designs for consideration.

You can read complete article on HGTV.com here.

l

 

 

TAS_0209-3-2 copy-2 Eric McKenna, Realtor
Howard Hanna Real Estate Services
Mobile: 412-613-4466 call/text
Email: sold@ericmckenna.com
Website: www.EricMcKenna.com
Address: 1001 Beaver Grade Rd, Moon Twp PA 15108
      

Glass Floor Bathroom?

So, I’m always on the lookout for unusual and unique home design ideas.  Linda D. over at boredpanda.com penned an article called ’33 Amazing Ideas That Will Make Your House Awesome!’

Well… As a Realtor, I’m not sure I could recommend all of these ideas to my home sellers.  Nor would I imagine most of these ideas are already ‘must haves’ in the minds of my home buyer clients.  But, I must say, some of these are quite fun and unique.

Again, I’m not sure all 33 are ‘Awesome’ ideas but I must say – they are all unique and give one ’cause for pause’.   Below are my favorites…

Glass Floor Bathroom.  Whoa! 

amazing-interior-design-ideas-for-home-35

 

See Through Bathtub.  Well, on second thought..

amazing-interior-design-ideas-for-home-37

 

Pirate Ship Bedroom for Adults.   Wait… What?

amazing-interior-design-ideas-for-home-38-1

 

Hammock of the Stairs.   Yeah, that looks safe…

amazing-interior-design-ideas-for-home-15

 

 

Skate-Park Room.

amazing-interior-design-ideas-for-home-17-1

Beach Sand under your Work Desk.   Uh, no.

amazing-interior-design-ideas-for-home-28-1

All kidding aside, this is a fun article.  You can read and see Linda D.’s entire entry here.

TAS_0209-3-2 copy-2 Eric McKenna, Realtor
Howard Hanna Real Estate Services
Mobile: 412-613-4466 call/text
Email: sold@ericmckenna.com
Website: www.EricMcKenna.com
Address: 1001 Beaver Grade Rd, Moon Twp PA 15108
      

Bizarre Homes

And now for something a bit fun and a little different.  As I’ve mentioned in prior blog posts, home design is fascinating to me.  So – how outlandish, how interesting and how bizarre can home designs get?  Well – our friends at matadornetwork.com have complied what has to be 20 of the most bizarre homes imaginable.

Odd? Yes.  Real? Absolutely.  Spaceships, seashells, mushrooms… well you get the picture.

Below are my favorites of the bunch.

You can also see all 20 examples at Daniel Nahabedian’s article here

20100917-cubehouse

20100917-ufohouse2

20100917-vortexhouse

20100917-weirdhouse1

20100917-habitat67

20100917-bubblehouse

20100917-upsidedownhouse

 

 

Radiant Floor Heating

I’m sure all my friends and readers who reside in Southwestern PA can certainly appreciate the following comment:  This 2015 winter has been BRUTAL!  I’ve lived in this region my entire life and I can not remember a winter this difficult when you consider the amount of snow and the exceptionally cold temperatures.

My wife Natalie and I own a 106 year old home that we kindly refer to as ‘the big, old house’.  While there is so much to love about the place, as one can imagine, heating the house in the winter months is a challenge.  We have recently looked into the idea of radiant floor heating.  It’s a very interesting concept. And while we are not sure if this modification is a good fit for our big, old home, I must admit that if I was in a newer home or was contemplating building a home or even adding an addition onto a home, I’d give radiant floor heating serious consideration.  installation

On Bob Vila’s website, Michael Franco penned a great article on radiant floor heating.

Michael defines radiant floor heating as an increasingly popular installation based on a network of pipes or wires set beneath floor level.  While radiant heat creates a comfortable surface to walk upon, it also transforms heat-stealing floors into surfaces that actually supplement the warmth you strive to foster in your home.

The 3 types of radiant floor heating are hot air, electricity or hot water.  Hot air is the least popular of the three and rarely used today based on cost and efficiency.

The electric method is popular but can be costly to run.  One strategy for minimizing running costs is to situate the system under a thick material like concrete. If you heat the floor during the electric provider’s off-peak hours, it can release that warmth slowly over the course of a day.

heaasdasdt

The most efficient system is hot water also called water-fed or hydronic.  Water heated in a boiler is pumped along lengths of flexible tubing. Though it can be handled in different ways, that tubing is typically fitted into the channels of specially designed subfloor panels.

Other benefits of radiant floor heating is that the systems are virtually quiet, unlike forced air furnace systems or baseboard heaters.  Radiant floor heating also heats evenly – unlike forced air or baseboard heating.    Also, radiant floor heating releases no harmful allergens and are as easy to clean as your flooring unlike the common complaints of allergens and dirt build up with forced air furnace systems.

For even more information, you can read Michael’s article here.

I also want to make reference of another article written by Lindsey Roberts on one of my favorite websites, houzz.com.  Lindsey comes at the subject from an interior design viewpoint and provides examples where radiant floor heating systems have been installed under concrete, slate, tile and wood floors

Radiant-Floor-Heating

You can read Linsey’s article here

As a Realtor, I’ve shown some homes that were outfitted with radiant heated floors in bathrooms as well as in kitchens.  These were ceramic tile applications.  However, what’s great is that radiant floor heating can be installed under so many surfaces that if the home owner wanted to apply radiant floor heating in every room, the flooring type is typically not an obstacle.

I’d be interested to know your thoughts or experiences with radiant floor heating.  Have you considered installing it in your home?  Do you already have it?  If so, do you like it?  What type of floor material are you using?  Does it save you money in your overall monthly heating bill? Feel free to comment and share your thoughts and ideas.

First Impressions

It goes without saying that it’s very wise for a home seller to give serious thought to what kind of first impression their home gives potential buyers.


As the sayings goes, “you only get one chance to make a first impression.”  With that reoccurring thought in mind, I’m always looking for great articles on the ‘art’ of home selling. Articles on steps homeowners can take to improve the look and feel their homes gives off to prospective buyers.

And often the best advice is straight forward, simple and easy to accomplish.   And that is what we have with Ann Miller’s article at Realtor.com entitled “12 ways to make a fantastic first impression on buyers.”   You can’t get any more straightforward than that!workingyard

Ann touches on ideas such as:

– Lawn care, bush pruning and generally making your yard ‘neat’ and uncluttered.  And of course – well ‘groomed’.

– Professionally clean carpets.  One of the worst impressions for a buyer to get past is a dirty carpet.

– Make sure all light switches work.  Every one.

– Putting new caulk around sinks and tubs.

– Cleaning out your medicine cabinets.

– Replacing old light bulbs and using the brightest bulbs each fixture will take.  Great illumination is a must.

– If you have a pet, make sure you make arrangements for the pet to out of the property during showings.

For additional ideas and further detail, you can read Ann’s entire article on Realtor.com here

If you are considering listing your home for sale and have any questions about preparing your home for a great first impression  or you have questions about any other matter related to effectively selling your home, I’m here to help!  Please feel free to call or text me at 412-613-4466.  In addition, I can be reached quickly via email at sold@ericmckenna.com

You can also reach me via the contact form below:

← Back

Thank you for your response. ✨

Budget Your Remodel

Ah yes…the dreaded home remodeling project.  It really does not need to be a journey launched into the great unknown!   Here is a great, short read by Oliver Marks of Houselogic.com in which Oliver lays out 4 simple steps to follow before you jump in and do that home remodeling project.

Oliver presents the idea that most homeowners have no problem figuring out what they want.  The trouble lies in not figuring out – up front – what they can afford.  He suggest this four step plan:contractor3

1. Ballpark the costs.  Oliver suggests ‘Remodeling’ magazine’s 2015 ‘Costs vs. Value Report’ as a reference point for homeowners.  This report gives national cost averages for 36 common projects and can provide a basis for starting to add up project costs.

2.  Do you have the money?  If you can pay cash – Great!  If you need to borrow, you need to assess how much a bank will lend you for the project and what that loan means in additional monthly expense for the household.  In the article, Oliver goes into various home equity loan options available for home owners and the details of each.

3.  Get multiple contractor quotes. Oliver suggests getting solid quotes from at least 3 contractors.  And about those contractors… they should come from recommendations from family, friends and tradesmen you trust.  Provide each contractor a detailed project description and product list and request an itemized quote from each.   Take the winning bid and then add 15% for cost overruns and changes.

4.  Buy materials and appliances yourself.  Oliver suggests that by  educating yourself on item costs and then purchasing these items before your contractor begins your project,  you can avoid contractor mark ups.  However – before you buy, it’s imperative that you coordinate with your contractor to ensure you are purchasing the correct items for your project.

Click here to read Oliver’s complete article at Houselogic.com.

And if you are considering a home improvement project and you need contractor referrals or you have questions on how this improvement project may increase the value of your home, don’t hesitate to call or text me at 412-613-4466.  I can also be reached by email at sold@ericmckenna.com

Or feel free to fill out the contact for below.

← Back

Thank you for your response. ✨