Builder's Digest 2010

Builders digest 2010

of Detroit Lakes, Inc.

FRANCIS CONSTRUCTION

Lic. #20266607

• New Homes • Steel Siding • Remodeling • Garages • Replacement Windows

• Additions • Decks • SunroomsDave, Dan, Nick, Scott and Lee

Dave Francis 218-847-4054

Scott Francis 218-847-3556

• State of the art construction materials and techniques• High quality workmanship

• Complete satisfaction guaranteed

• State of the art construction materials and techniques

S� cialising in...

O� ering...

“Your Hometown Quality Builder & Remodeler”

Builders digest 2010 1

“For Your Family’s Comfort”

218-847-7459Detroit Lakes, MN

www.modernheatingandplumbing.com

GHP.803.09

If you thought heat pumps were only formild climates, think again. These highlyefficient heating/cooling systems work in any climate. Any time of year. Special financing is available for Otter Tail Power Company customers. And you’ll save 70% or more on yourheating and cooling costs.

Simply the most efficient way to heat and cool your home.No matter where you live.

GHP.803.09



GHP.803.09



Natural Warmth - Simple Comfort - Casual AtmosphereCreate your rustic retreat with Woodland Cabinetry. Call or stop in to Stenerson’s showroom to see the latest door styles, rustic wood species and colors. We’ll customize to fit your style. And then...let the relaxation begin!

STENERSON LUMBER

555 Hwy. 59 NorthDetroit Lakes, MN

218-847-2188

2 Builders digest 2010

ACS - Arvig Communications Systems . . . . . . . . . . .Inside Back Cover

AireServ Heating & Air Conditioning . . . . . . . . . . . . . . . . . . . . . . .12

Al Clark Construction, Inc . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Andy Francis Landscaping & Construction . . . . . . . . . . . . . . . . . . .25

Apex Electric . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .45

B&M Electric . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Bob Bristlin & Son Construction Co . . . . . . . . . . . . . . . . . . . . . . . .35

Bristlin Construction, Scott & Richard . . . . . . . . . . . . . . . . . . . . . .20

Cabinetry & Design by JCS . . . . . . . . . . . . . . . . . . . . . . . . . . . . .27

Collin Peterson . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Country Fields Greenhouse . . . . . . . . . . . . . . . . . . . . . . . . . . . . .21

Custom Plastics . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .27

D&D Repair & Appliance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .41

Detroit Lakes Overhead Door Services . . . . . . . . . . . . . . . . . . . . .31

Detroit Lakes Public Utilities . . . . . . . . . . . . . . . . . . . . . . . . . . . .16

Detroit Paint & Glass . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .43

DL Window & Door, Inc . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .37

Don Teitz Construction . . . . . . . . . . . . . . . . . . . . . . . . . . .Back Cover

Dynamic Homes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .16

Enercept - Curt Olson . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .23

Exteriors Unlimited . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .48

EZ 2 Build, LLC . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

Floor To Ceiling - Carpet One - Floor & Home . . . . . . . . . . . . . . . . .21

Foltz Buildings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .33

Foltz Drywall . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10

Francis Construction, Inc . . . . . . . . . . . . . . . . . . . .Inside Front Cover

G&R Hill Construction, Inc . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .43

Glenz Plumbing, Inc . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15

Goodin Wholesale Company . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13

Green’s Plumbing & Heating . . . . . . . . . . . . . . . . . . . . . . . . . . . . .29

Hass Geosystems, Inc . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .33

— Index —


— Index —Homark Homes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11

Hough, Inc . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .41

I’ll Tile & Stone . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .31

Jon Pederson Construction . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15

Karl Grefsrud Construction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13

Krueger Water Wells . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .23

L&M Fleet Supply . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Lakes TV & Appliance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20

Laney’s Plumbing-Heating-Air Conditioning . . . . . . . . . . . . . . . . . . .44

Lightowler Johnson Associates . . . . . . . . . . . . . . . . . . . . . . . . . . .25

Maloney’s Plumbing, Inc . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10

Manning’s Lakes Paving . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .39

Mark’s Electric, Inc . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .36

Marty Solmon Construction . . . . . . . . . . . . . . . . . . . . . . . . . . . . .39

Menahga Concrete Products, Inc . . . . . . . . . . . . . . . . . . . . . . . . . .47

Menards . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19

Mike Jahnke-CB First Realty-Lyon . . . . . . . . . . . . . . . . . . . . . . . . .36

Modern Heating & Plumbing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Nodsle Construction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .47

North Country Kitchens . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .28

Ottertail Power Company . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

ProBuild . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .45

Schatts Electric . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19

Schiller Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .35

Seamless Gutters . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17

Speciality Concrete, Inc . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .44

State Bank . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .29

Stelter’s, Inc . of Detroit Lakes . . . . . . . . . . . . . . . . . . . . . . . . . . . .48

Stenerson Lumber . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Twin City Garage Door . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17

Ulteig Engineers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .37

Zayic Concrete Work . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .28


Proud to be Representing Minnesota’s 7th District

Congressman Collin Peterson

Paid for and authorized by the Peterson for Congress Committee.

P.O. Box 265, Detroit Lakes, MN 56502

Paid for and authorized by the Peterson for Congress Committee.

P.O. Box 265, Detroit Lakes, MN 56502

This winter, keep more money in your wallet with an off-peakelectric heating system. Stop worrying about volatile fossil fuelprices and heat your home with the benefit of Otter Tail PowerCompany’s low off-peak electric rates. Call us today and we’llhelp you find the best electric heating solution for your home.

Call us and save

up to 50%

with electric heating

OPR.1202.09

INC.

Brenda & Mike Eidenschink— owners —

30614 SunSet Road detRoit LakeS

218-847-1946


“QUALITY AT A DISCOUNT”50th Anniversary

1959-2009

► Clothing► Toys► Power Equipment► Farming► Plumbing► Electrical► Sporting Goods

► Lawn & Garden► Housewares► Automotive► Paint► Power Tools► Hardware► Pets1100 Hwy. 59 South • Detroit Lakes • 218-847-1171www.landmsupply.com • Email: [email protected]

STORE HOURS:Monday-Friday 7:30 am-8:30 pm Saturday 7:30 am-5:30 pmSunday 9 am-5 pm

1100 Hwy. 59 South • Detroit Lakes • 218-847-1171www.landmsupply.com • Email: [email protected]

— Since 1959 —

• Clothing• Toys• Power Equipment• Farming• Plumbing• Electrical• Sporting Goods• Lawn & Garden• Housewares• Automotive• Paint• Power Tools• Hardware• Pets

STORE HOURS:Monday-Friday 7:30 am-8:30 pm Saturday 7:30 am-5:30 pmSunday 9 am-5 pm


Is it Better to Invest in the Stock Market or

Buy My FIrSt HoMe?Thanks to the concept of “le-

veraging,” purchasing a home is by far the best long-term investment. Leveraging means putting down a small amount of money to earn a big return.

For example, say you use that $10,000 to purchase a $250,000 home, and the house appreciates a modest 3 percent during the first year. That means after one year, the house would be worth $257,500 – a gain of $7,500. Your annual return on your $10,000 investment would be 75 percent.

By contrast, putting the same $10,000 in the stock market and post-ing a similar 5 percent gain would only net a $500 return on investment.

And as a home owner, your sav-ings continue to grow in two ways. Every year, a greater portion of your monthly mortgage payment goes to the principal, reducing the overall loan amount. Second, your home ap-preciates over time, making it one of

the very best financial investments.And don’t forget the important

tax incentives. Owning a home is by far the biggest and best tax break for middle America. In most instances, all of the mortgage interest and property taxes you pay in a given year can be fully deducted from your gross income to reduce your taxable income. These deductions can result in thousands of dollars of tax sav-ings, especially in the early years of the mortgage when interest makes up most of the payment. To look at this another way, if you are in the 28 percent tax bracket, you only pay 72 cents on the dollar in mortgage inter-est payments.

Not only is homeownership a stepping stone to a future of finan-cial security, it also helps to build neighborhoods and strengthen com-munities. It is truly the cornerstone of the American way of life, and the fulfillment of the American dream.


MN LIC# BC-20460621ND LIC# 32002

Detroit Lakes, MNHome (218) 846-0079Cell (218) 849-4489

• New Homes• Remodeling & Additions• Shingled Roofs• Steel Roofs• Doors & Windows• Decks & Siding

Specializing inPOST FRAME STORAgE,

cOMMERciAl & OFFicE BuilDiNgS,

gARAgES & iNSulATED SHOPS


Checklist for Hiring a

BuIlder or reModelerDo your homework before hav-

ing work done on your home.Use this checklist to help you se-

lect a builder or remodeler to work on or build your home.

Does the builder or remodeler have a permanent business location and a good reputation with local banks and suppliers?

How long have they been in the building business? It usually takes three to five years to establish a fi-nancially sound business. Will they be around after the construction is complete to service any warranties?

Have you called your local Better Business Bureau? They can alert you to any complaints.

Does the builder/remodeler have sufficient workers compensation and general liability insurance? If not, you may be liable for any construction-re-lated accidents on your premises.

Will the builder/remodeler pro-vide you with names of previous cus-

tomers? Ask them if they would hire the builder/remodeler again.

Have you seen the builder/re-modelers work, both completed and in progress? Check for quality of workmanship and materials.

Are you able to communicate with the builder/remodeler? Remem-ber you will be in close contact with them throughout the construction process and afterward as you live in your new home.

Will the builder/remodeler provide you with a complete and clearly written contract? The contract will benefit both of you. Review it carefully.

Be cautious of unusually low-priced bids. If the builder/remodeler is unable to pay for the materials and labor as the project proceeds, this may indicate a potential problem.

Call the Lake Region Builders As-sociation 218-847-0699, for the names of member builders and remodelers.


EZ 2 Build, LLC 218-847-5222 • 1-866-336-0674

David & Sherry DeLair Distributor & Certified Installer, Detroit Lakes

• An ARXX ICF wall system is energy efficient, structur-ally tough, comfortable, quiet and green and cen be constructed quickly and cost effectively.

• Key attributes: — Can susbtantially save on heating and cooling costs. — High contributor to LEED credits. — Fire, hurricane, earthquake, tornado, blast, mold, mildew, termite and pest resistant. — Better indoor air quality, temperature control and higher sound expression. — Simpler, faster and lower cost build. — 25% more strength than typical concrete wall systems.• Houses built with ICF exterior walls typically require 44% less energy to heat and 32% less energy

to cool than comparable frame houses.

• A different and better way to build. The energy effectiveness of an ARXX wall is attributable to:

— Continuous R-value; — Reduced air infiltration; and — Thermal mass moderation.• Quite simply, no amount of blown-in, rigid or

fiberglass batt insulation can address the thermal bridging caused by lower R-value conventional wood framing.

• Over half the energy loss of a conventional wood frame home is due to unwanted air infil-tration and heat loss through the wall assem-bly.

— Air filtration is typically .5 ACH (air changes per hour) which means that every hour half of the air volume of the house is exchanged for outside air that needs to be heated or cooled.

— Air infiltration of ICF wall assemblies are typically .01 ACH.

• Studies by the US Department of Energy con-firm that concrete mass in exterior walls reduc-es anual energy cost in buildings.

— The ICF concrete core offers the characteristic thermal mass qualities of heat absorption and thermal lag.

The ICF Effect

Why use ARXX ICFs?

Significant energy savings through reduced heating and cooling costs


MALONEY’SPLUMBING INC.

218-847-4942Plumbing Fixtures & Supplies

commercial • residential • remodeling • service & repair• lake homes • hot water heating • plumbing fi xtures & supplies

Bonded & Insured • Dan Maloney • Detroit Lakes, MN 56501 • License #004298PM

Hang - Tape - PaintInsured • Free Estimates

218•841•9837

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DRYWALLNathan Foltz

Owner


“Building your dream your way”

— FACTORY DIRECT —BUILDING MODULAR AND MANUFACTURED HOMES

FOSSTON, MN

— Employee Owned —

For more information call:1-877-593-4965 • 1-218-435-1828

www.homarkhomes.net • [email protected]

Save thousands on display model close outs

$8,000 Tax Credit for qualifi ed buyers

Take advantage of low interest rates

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Cabins starting at $58 per sq. ft.

Cape Cods starting at $72 per sq. ft.


Install a GeoComfort system.File your taxes. Receive a 30% tax credit.Live Comfortably.

*Tax credit appl ies to Energy Star rated geothermal models. System must be purchased between January 1, 2009 and December 31,

2016. See your local tax profess ional for more information.

As part of the American Recovery and Reinvestment Act of 2009, the United States federal government has approved a 30% tax credit for homeowners installing

a qualified geothermal system.

Esser Family of CompaniesLocations in Perham & Detroit Lakes

877-882-4822







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As part of the American

Recovery andReinvestment Act of 2009, the United

States federal government

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homeowners installing

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system.*Tax credit applies to Energy Star rated geothermal models. System must be purchased between

January 1, 2009 and December 31, 2016. See your local tax professional for more information.


Wholesale Showroom.All Purchasing Coordinated

with your Contractor.Appointments recommended

Discover a world of ideas from our vast selection of kitchen & bath fixtures.

Allow us to help create the room of your dreams.

Detroit Lakes620 Davis Avenue

Detroit Lakes, MN 56501

218•847•9211www.goodinco.com


More durable roof coverings such as steel and fiber cement reduce the frequency of roof replacement. Lighter colors absorb less heat, reducing cooling costs in warm climates. Now, solar roofing products integrate asphalt shingles, standing-seam metal roofing, and slate or concrete tiles.

Energy-efficient windows incorporating advanced technologies like low-emittance (low-E) glass coatings, gas filler between layers, and composite framing materials keep heat inside in the winter and outside in the summer.

Oriented strand board (OSB) is an engineered wood product that does not require large trees for its manufacture. It is resource efficient and enhances durability and is used to sheathe roofs and walls in 75 percent of new homes.

Vinyl siding on exterior walls saves money on installation and maintenance; fiber-cement siding is termite- and water-resistant and warrantied to last 50 years.

Increasing the amount and R-value of insulation is a cost-effective way to save energy and help reduce heating and cooling bills, which account for at least half of energy use in the home. Sprayed insulation made of foam, cellulose or wool is an alternative to traditional glass fiber batting.

Incorporating passive solar design features like large, south-facing windows helps heat the home in the winter and allows for increased natural daylighting.

Xeriscaping, or using native plants, significantly reduces the need for watering, fertilizers and herbicides.

Covered entries at exterior doors help to prevent water intrusion, reducing maintenance and enhancing durability.

Selecting more efficient, correctly sized heating, cooling and water-heating equipment saves money. Tankless water heaters provide hot water on demand at a preset temperature rather than storing it, which reduces or eliminates standby losses. Geothermal heat pumps work with the Earth’s renewable energy and can also heat water.

Foundations should be as well insulated as the living space walls for efficient home energy use and enhanced comfort, particularly if the basement is used as a family room or bedroom.

In addition to natural wood, flooring choices include low-VOC (volatile organic compounds) carpets for better indoor air quality, laminates that successfully mimic scarce hardwood, and linoleum, a natural product making a design comeback.

Factory-built components including trusses and pre-hung doors allow more efficient use of raw materials, making the most out of every piece of lumber. These products eliminate the need to cut wood at the jobsite, further reducing waste.

The energy efficiency of refrigerators and freezers has tripled over the last three decades because they have more insulation, advanced compressors, better door seals and more accurate temperature controls. Front-loading washers use about 40% less water and half the energy of conventional models. Energy Star®-rated appliances save an average of 30 percent over standard models.

Recycled plastic lumber and wood composite materials reduce reliance on chemically treated lumber and durable hardwood for decks, porches, trim and fencing.

New toilets have redesigned bowls and tanks that use less water, but function more efficiently than first-generation low-flow models. Some use pumps for supplementary water pressure. Advanced shower and sink faucet aerators provide the same flow regardless of pressure to reduce water use and the energy required to heat it.

Tree preservation reduces landscaping and future energy costs and helps provide winter wind breaks or summer shade. Additional landscaping improves the environment even more: One tree can filter 60 lbs. of pollutants from the air each year.

E n E r g y I n n o v a t I o n

How Homes Become Green

Source: National Association of Home BuildersIllustration: Rick Vitullo


33732 182nd St. • detroit LakeS

• NEW CONSTRUCTION • ADDITION REMODELING

• DECKS & SIDING

Your lakes area custom

home builderJon Pederson, Owner

Jon Pederson Construction of D.L. Inc.1103 Rossman Ave., Detroit Lakes [email protected]

218.850.8139 Fax 218.844.7986 MN Lic. #20627810


provide enhanced thermal performance and energy-efficient features to save you money when you buy, and for years to come. And Dynamic Homes are built green, to reduce environmental impacts. Unlock the advantages of energy-effi-ciency with a new home from Dynamic Homes.

QUALITY SYSTEM-BUILT DYNAMIC HOMESQUALITY SYSTEM-BUILT QUALITY SYSTEM-BUILT QUALITY SYSTEM-BUILT QUALITY SYSTEM-BUILT DYNAMIC HOMESDYNAMIC HOMESDYNAMIC HOMESDYNAMIC HOMES

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Quality system-built Dynamic Homes provide enhanced thermal performance and energy-efficient features to save you money when you buy, and for years to come.

And Dynamic Homes are built green, to reduce environmental impacts.

Unlock the advantages of energy-efficiency with a new home from Dynamic Homes.

Dynamic Homes are more energy-efficient

than stick-built:

Air infiltration 66% less

Energy efficiency 30% greater

Space heating costs 35% less

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Less than stick-built

Rebates & reduced energy rates

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To locate a dealer near you call Dynamic Homes at 800-492-4833

or visit us online at www.dynamichomes.com.

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525 Roosevelt Ave. | Detroit Lakes, MN | 800-492-4833 | 218-847-2611

Vern or Josh Muzik of Best Bilt Homes, your local Dynamic Homes Authorized Independent Builder, can help you design the home you want with the custom features you desire.Or, we’ll adapt and build from your plan. The choice is yours. Get started. Call Best Bilt Homes today and ask for your free Custom Home Planning Kit!

218-847-2691ciency with a new home from Dynamic Homes.

30856 Carefree LaneFrazee, MN 56544

218-847-2691218-847-2691

Dynamic Homes are more energy-efficient

OUR HOMES ARE SO ENERGY EFFICIENT...

providing quality electrical, water, wastewater, data/communications and internet services

When building or remodeling your home or business, make sure you contact us for latest services and cost saving programs being offered.

• Rebates on new energy efficient electric appliances• Rebates on new qualifying energy efficient central air

conditioning and heat pumps.• Low cost rental security and yard lighting• Special off peak electric heating rates• Separate metering option for outdoor watering• Broadband Data Communications & Internet Services

City Owned and Operated Utilities offer Consumer Protection

at its very best.1025 Roosevelt Avenue, Detroit Lakes

218-847-7609dlpublic@lakesnet. net

City of Detroit Lakes City of Detroit Lakes



DETROIT LAKES PUBLIC UTILITIES


SALES - SERVICE - INSTALLATION

SALES - SERVICE - INSTALLATION

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On February 11, 1847 the genius inventor of the electrical age, Thom-as Edison, was born. Over 160 years later, his most famous invention, the light bulb, still has an essential place in the home. With often no more than four hours of sleep per night and his personal creed of, “Genius is 1 per-cent inspiration and 99 percent per-spiration,” his work with electricity is legendary.

For all the work done by Edison and his predecessors, most people know only as much about electricity as is absolutely necessary to go about their daily lives; in other words, not very much. But ignorance isn’t always bliss. A little information can prevent shocks and reduce power bills.

Here are a handful of true/false questions to test your electrical IQ:

1. If lights flicker or dim re-peatedly, you should call an electri-cian.

TRUE. Anytime you’re getting flickering or dimming lights, there is a problem and you should call your electrician. Power outages due to power line accidents, strong wind, storms or extreme heat can cause brief interruptions. Customers can call their power company to find out details on the situation, or check their circuit boxes for those outages. But flickering or dimming lights signifies an overload, and a professional should be contacted. You should also call your electrician if you are constantly resetting circuit breakers or chang-ing fuses, smell burning electricity or need to replace faulty wiring.

TesT your eLeCTrICAL sAVVy

TesT to page 22


More Power To Ya!

Commercial & Residential WiringLicensed Electrical Contracting

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2. It’s cheaper to leave fluores-cent lights on when exiting a room than it is to turn them back on when you return.

FALSE. This is a commonly held belief, based on the erroneous notion that fluorescent bulbs use a lot of power to get started. While it is true that a compact fluorescent bulb does require a brief surge when switched on, it works out to be around the same amount of energy as five seconds of normal use, according to the Environ-mental Protection Agency (EPA). So turning the lights off for more than five seconds will save more energy than leaving them on.

3. House wiring never needs re-placing.

FALSE. Depending on the amount of use, insulation on house wires can become frayed or broken, creating a fire hazard. If you have any doubts about your wiring, have a qualified electrician perform a complete inspec-tion. Houses built between 1965 and 1973, in particular, are at risk because many were built with aluminum wir-ing, which the U.S. Consumer Product Safety Commission says is 55 times more likely to reach “fire hazard con-ditions” than regular copper wire.

4. A circuit breaker is not de-signed to protect against a ground fault.

TRUE. Circuit breakers are de-signed to protect against high lev-els of electrical current caused by a short circuit. Ground Fault Circuit Interrupters (GFCIs) protect against ground faults, when current leaking from an appliance goes to ground through a person touching the appli-ance. Even a small amount of current passing through a person this way can

be lethal; a GFCI will trip if there’s a ground fault, whereas a circuit break-er won’t.

5. A two-parter: Computer screen savers save energy, and your computer will last longer if you leave it on all day, instead of shut-ting it off when you’re not using it.

FALSE AND FALSE. Screen savers only save screens, not energy. If you want to save energy, turn the monitor off. In fact, the EPA recom-mends you turn the computer off, too, if you aren’t going to use it within a half hour. They claim the lifetime of the hard disc is limited by use, rather than start-ups.

6. You can damage a power tool by using the wrong size extension cord.

TRUE. If your electric lawn mower, hedge trimmer, or leaf blower doesn’t get enough power, either be-cause the extension cord is too thin or too long to deliver it, it can dam-age and eventually destroy the motor. Also, overloading an extension cord can cause a fire or shock hazard. Be sure to use a cord rated to provide the proper amperage the tool requires, listed on the tool.

Remember, when dealing with electrical issues in your home, safety should be your number one priority. We’ve seen home owners put them-selves in dangerous situations by thinking they could do a job cheaper by themselves. If it’s more than chang-ing a light bulb, call a professional. Or take a how-to class at a local commu-nity college.

Just a little electrical knowledge can go a long way.

TesT FRoM page 18


BRAD & MARGARET KRUEGER(218) 439-3327(218) 439-3379 (FAX)

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AUDUBON, MN 56511

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FOR DETAILS CALL TODAY!

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Curt “Ole” Olson Enercept Dealer

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ith Green

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Definitions pertaining to

HoMe CoNsTruCTIoNMOLDING is found both on the

interior and exterior of houses. It is the wood, metal, plastic or plaster trim used around windows and doors, at the tops and bases of walls, along cor-nices, and for other decorative details.

BASE MOLDING is a decora-tive band or finish board that is used to cover the joint between the wall and the floor; it is also sometimes called baseboard.

CROWN MOLDING is a decora-tion used to cover the area where the wall and the ceiling intersect.

FLASHING is sheet metal or plas-tic used to cover joints and openings in exterior surfaces of the house to pro-tect against water leakage.

FRAMING is the structural skel-eton of the house, usually made of beams, studs and joists.

BEAMS are members used to sup-port the structure.

CENTER BEAM is a member that runs the length of the first floor of a house and supports the house struc-ture above it.

COLLAR BEAM is a horizon-tal member in the roof that provides structural strength by connecting op-posite rafters.

STUDS are the upright wood or metal members used to form the walls

and partitions. JOISTS are the horizontal paral-

lel beams that support floors and ceil-ings.

CORNICES are found on the exte-rior of the house. They are the struc-tural trim that is used to cover the area where the roof and the wall meet.

SOFFIT is a special type of cor-nice that covers the exposed under-side of a projecting house part, such as the exposed underside of part of your roof that extends beyond a wall of your house.

EAVES are the edges of roof that run parallel to the ground. You put gut-ters along the eaves to carry off rain-water and snowmelt from the roof.

RAFTERS are the structural members that form the legs of the tri-angle created by the framing.

RIDGE BOARD is the length of lumber at the peak of the roof to which the upper ends of the rafters are fastened.

GABLE is the triangular end wall of a house that extends from the eaves to the peak of the roof. (A famous house in Salem, Massachusetts has seven of them.)

DORMER is a projection built out from a sloping roof as a room exten-sion or for a window.


• Excavating • Paver Walks & Patios • Rocks & Shrubs• Boulder Walls• Sodding & Seeding • Rip Rap

• Retaining Walls• Black Dirt • Skidsteer Work • Decks & Siding • Windows & Doors • Remodeling • Soffits & Fascia

Home: 218-439-3320Cell: 218-849-1034

218-439-3320218-439-3320

DETROIT LAKES 218-439-3320

Andy & Cristy Francis, Owners


10 Tips On Getting The Best Return On

HOme ImpROvemenTs1. Clean/de-clutter - 973% Av-

erage Return on Investment: Remove clutter by storing items in basement, attic or friend’s home. Rent a storage space or sell excess items, if needed. Keep every room very clean during open homes. Do pre-open house cleanli-ness inspections.

2. Lighten and brighten - 865% Average Return on Investment: Replace any burnt-out bulbs and use higher wattage bulbs, if possible. Have defec-tive electrical components repaired or replaced. Make sure skylights are clear and keep drapes open during the day.

3. Yard - 426% Average Return on Investment: Store away personal effects from front yard. Hire gardener or land-scaper to trim back the overgrowth and maintain yard. Make sure that your lawn has a healthy green appearance.

4. Plumbing and electrical - 260% Average Return on Investment: Consider repairing or replacing any defective plumbing or electrical items in your home. Make sure you have the right person for the job by getting sev-eral estimates.

5. Staging - 251% Average Return on Investment: Buy some fresh flow-ers, live plants and other decorations to liven up the home. Dispose of old fur-

niture or other large items. Consider renting furniture or hiring a staging consultant.

6. Update kitchen and bath - 168% Average Return on Investment: Update kitchen and baths by resurfac-ing cabinets or painting with neutral color. Replace toilet seats, dated fixtures and drawer/cabinet handles. Freshly caulk and redo grout in countertops, sinks, tubs and showers.

7. Paint interior - 148% Average Return on Investment: Repair any dam-aged interior walls by patching all chips, holes and cracks; then touch up or re-paint interior walls with neutral color.

8. Carpeting - 104% Average Re-turn on Investment: If carpets are only lightly soiled, shampooing and/or spot removal should suffice. If there are rips, fading, heavy wear, smells or deep stains, replace with neutral color.

9. Flooring - 101% Average Re-turn on Investment: Repair and refin-ish damaged floors, or cover with neu-tral-colored wall to wall carpet and note damage in your disclosure.

10. Paint exterior - 76% Average Return on Investment: Repaint or re-surface the outside walls of house, as needed. Patch and repair any damaged areas.


Clear acrylic allows maximum light.

Unique design keeps water out of

the egress well.

Custom made to fi t galvanized, cement

& timber egress frames.

We make customcollectibles display

cases.Custom Plastics

CUSTOM

COVERS

Clear acrylic allows Clear acrylic allows Clear acrylic allows maximum light.maximum light.maximum light.

Unique design Unique design Unique design keeps water out of keeps water out of

COVERSCOVERSCOVERSCOVERSWINDOW

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WELL

Since 1985

701-280-1993 • 800-380-19932310 3rd Avenue N, Fargo, ND 58102

d a r c y & j e n s av i g , o w n e r slic. #20629984

350 eagle street Box 307 | audubon, Mn 56511p 218.439.6699 | c 800.376.9410 | f 218.439.6484

cUsToM KiTcHen & BaTH caBineTryBooKcases, desKs & sPecialTy caBineTry

door & drawer FronTscaBineTry Hardware

graniTe & QUarTZ coUnTerToPslaMinaTe & solid sUrFace coUnTerToPs

Since 1969, Cabinetry & Design by JCS has been the lakes area’s premier custom cabinet designer, manufacturer and installer.

We are proud to offer quality driven, beautiful & distinctive selections of cabinets and accessories that will not only meet any design expectations, but also raise the value of your new home or renovation project.

call to schedule a free consultation today!

Designing to interpret your dreams.Building to make them last.


Enhance new or existing concrete with concrete grinding & polishing,

and concrete overlays.

Protect your concrete with floor hardeners and sealers which promote longevity.

Specializing In: Poured Walls Foundations Footing Driveways Flatwork Patios Walks Bobcat Backhoe Jack-Hammer Removal

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GRIND & POLISH|OVERLAYS FLOOR HARDENERS|SEALERS

CALL JOHN: 218-844-2200

28672 State HWY 34 | PO BOX 357 | Detroit Lakes, MN

#1 IN GREEN MOVEMENT

A DIVISION OF ZAYIC CONCRETE INC.

[email protected] www.zayicconcrete.com

1034 Hwy. 59 South • Detroit Lakes, MN (One block north of L&M Fleet Supply)

847-1022Monday-Friday 9:00 a.m.-5:00 p.m.

Evenings & Weekends by Appointment Owners: Ed & JoAnne Lillis • Kitchen Designer: Gloria Bratlien

We specialize in more than just kitchens...let us INSPIRE you.

1034 Hwy. 59 South • Detroit Lakes, MN (One block north of L&M Fleet Supply)

A place for EVERYTHING

and everything in it’s place

A stunning focal point for any room

Beautiful custom-

made entertainment

stands


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• Cottage Hook up & Draining• New Construction & Remodeling• Service Work• Sewer Cleaning & Repair

• Water Heaters• Heating & Air conditioning• City Sewer & Water Hook up• NEW Self Storage Units

License #058370PM 1 Mile North on Hwy. 59

prompt, professional servicefor all your plumBinG neeDs

PLUMBING & HEATING, INC.18550 US Hwy 59 N.Detroit Lakes, MN

locally owneD & operateD for 4 Generations

Talk to the experts in construction loans and permanent home financing.

920 Lake Avenue, Detroit Lakes 844.3000MEMBER FDIC statebanks.com

Talk to the experts in construction loans and permanent home financing.

Mark Hagedorn

0310 DL Builders Digest.indd 1 3/12/10 3:58:45 PM


Improve Your Home’s energy efficiency

wITH TecHnOlOGY?More and more, home buyers

are looking for ways to incorporate home technologies that increase the long-term value of their house but also provide convenience, safety and comfort. These days, energy manage-ment tops the list of desired features in new homes, according to a recent survey by the National Association of Home Builders (NAHB).

NAHB’s 2007-2008 consumer pref-erences survey of more than 2,300 recent and prospective home buyers examined the features, products, ame-nities and layouts preferred in a new home.

In the home technology features category, the number one choice among respondents was energy man-agement at 61 percent – up from 45 percent in 2004. Also ranked highly in this category were multi-zone heat-ing, ventilation and air-conditioning (HVAC), lighting controls and home theatres.

Staying in the home technology features category, three of the top five most-wanted technology features – energy management, HVAC and light-ing control – also provide energy-effi-ciency. By incorporating the following technologies, home owners can save money on their utility bills:

• Automated HVAC systems can maintain a more energy-efficient tem-perature while the home owners are away at work, but switch to a more comfortable temperature prior to their arrival home. Zones can also be creat-ed to heat or cool only the areas most used by the occupants, keeping other areas, such as guest bedrooms, shut down until they are needed. Accord-ing to Energy Star, a joint program

of the U.S. Environmental Protection Agency and the U.S. Department of Energy, programmable thermostats can save consumers about $180 per year in energy costs.

• Water heaters with a timer can be turned off when the occupants are traveling, then can turn on and be-gin heating the water in preparation for their return home. Tankless gas water heaters – which only activate when residents start to use hot water and immediately de-activate when they are done – are also a great option and can reduce water heating costs up to 35 percent annually.

• Lighting can make up 10 to 20 percent of the total electrical usage of the home. Installing an automatic dimmer, which adjusts to the hom-eowner’s needs based on time of day or occupancy, will lower electricity bills and increase the life expectancy of light bulbs.

• Blinds and drapes can be pro-grammed to close during the hottest part of the day to block out the sun; keeping the house cooler. In the colder winter months, they can open up to allow the sun in to warm the house, which helps regulate the room tem-perature.

By incorporating technologies that help make your home operate more efficiently, Energy Star esti-mates that home owners can save $200 to $400 annually on their energy bills.

For more information on these and other home technologies avail-able, contact the Lake Region Build-ers Association or visit the National Association of Home Builders online at www.nahb.org/forconsumers.


Detroit Lakes Overhead

Door Services

RESIDENTIAL • COMMERCIAL • CARRIAGE DOORS

Your Headquarters for Garage Door Sales, Service and

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Detroit Lakes Overhead Door Services

YOUR FLOORING HEADQUARTERS

• Glass Block • Marble

• Granite Porcelain • Ceramic

• Carpet • Wood • Laminate

• Free Estimates • Licensed Bonded

• Insured

18901 Dan StreetDetroit Lakes

— Just off Richwood Road and Tower Road on the North edge of town —

218-847-0335

Benjamin BergmanTroy Fingalson

Open 8a.m.-5p.m. Mon.-Fri. Weekends/Evenings by

appointment

Benjamin Bergman

• Granite Porcelain

•

YOUR FLOORING HEADQUARTERSYOUR FLOORING HEADQUARTERS


Questions to ask before hiring a contractor for your

BuIldInG OR RemOdelInG pROjecT

Ask fOR esTImATes

How long have you been a con-tractor?

Do you have references?Do you have liability insurance?Have any complaints been filed

against you?What is your role in the compa-

ny? Will you be my contact on this

project or will it be someone else?Do you participate in a local

trade association?Are you involved in any local civic

organizations (e.g., chamber of com-merce)?

Your building or remodeling project is important. You want the highest quality product, which you can only expect from licensed con-tractors. Talk to prospective contrac-tors to find the person who is right for your project.

Ask for a written estimate of the work to be done based on a set of plans and specifications. This is a time-consuming process for the con-tractor, so you should be prepared to pay for this package.

Apples to ApplesMake sure that you’re compar-

ing apples to apples. Estimates from different contractors need to be based on identical project specifica-tions. Make sure each bid includes everything you’ve asked for. Change orders (that is, changes to your proj-ect after you’ve begun) can be very expensive.

Should I make my decision based on price?

Conventional wisdom states that you should “get at least three bids” before hiring a contractor. But it’s a mistake to let price alone drive your se-lection. If you like a contractor and are confident that he would do a good job, don’t automatically switch to another contractor (who may not rank as high in customer service, competence, com-munication, etc.) if the estimate is more than you can afford. You may be able to scale down by making a few modifica-tions - using quality stock rather than custom designed cabinets or selecting less expensive appliances or fixtures.


INSTALL GEOTHERMAL

Serving Frazee & the LakeS area • 218-538-6698

How to cope with rising energy costs.

ECONAR GROUND SOURCE HEAT PUMPS

HASS geoSyStemS,inc.

• New Install • Commercial• Residential • In-Floor Heat• HVAC & Plumbing

www.econar.comBringing Geo to the World Lic.TS01611 • [email protected] • Insured & Bonded

Serving Minnesota and the Dakotas

QUALITY WORKMANSHIP, DESIGN, MATERIALS & CONSTRUCTION

A L L U N D E RO N E R O O FServing Minnesota and the Dakotas

COMMERCIALINDUSTRIAL BUILDINGS

•

HORSECATTLE BARNS

•

INSULATED SHOPGARAGES

• MACHINERY

STORAGE•

COMPLETELY ERECTED WITH

WARRANTY

www.foltzbui ld ings .com

YOU’LL LIKE WHAT GOES

INTO AFOLTZ

BUILDING

FOR A FREE ESTIMATE

CALL

800-255-9981218-847-3281


The “Not-So-Obvious” BeNefiTS Of BuyiNg New

Prospective home buyers have the choice of two types of houses on the market: resale or new.

Home buyers planning to buy a brand-new house or condomin-ium often cite energy-efficiency, open layout, a warranty, and be-ing able to select appliances, floor-ing, paint colors and other design elements as factors driving their choice.

But builders say that buyers can be drawn to a new house for reasons

that aren’t so obvious. Below are a few more benefits of a brand-new home that you may not see in the sales brochure.Building a Communiity Together

A brand-new community is one of the built-in benefits of many new homes. When families move in to a subdivision at the same time, of-ten lasting bonds of friendship and neighborliness are formed right

BUYING NEW to page 38


Your "Lakes Area" Building Specialist! A Blue Scope Steel Company

www.bristlinconstruction.com

Ask about Pelican River Heights... a new residential development offering fantastic views! It's a must-see if you're considering a single family or multi-family home.

Contact Bob or Casey Bristlin at

218-847-1122Ask about Pelican River Heights... a new residential development offering fantastic

Quality Commercial and Residential Construction

Over 50 years experience serving the region.

Auto-Owners Insu�ance �anks highest among auto insu�ance providers in the J.D. Power and Associates 2008-2009 Auto Claims Studies.SM Study based on 11,616 total responses, �anking 25 insu�ance providers. Excludes those with claims only for glass/wind-

shield, theft/stolen, roadside assistance or bodily inju�� claims. from auto insu�ance. Proprieta�� study results are based on experi-ences and perceptions of consumers su��eyed June 2008 - June 2009. Your experiences may va��. Visit jdpower.com.

Thank you for rating Auto-Owners Insurance “Highest in Customer Satisfaction with the Auto

Insurance Claims Experience, Two Years in a Row”

We are independent agents proudly representing Auto-Owners Insurance.

Twice as Nice!12498 (11-09)

817 Washington Ave., Detroit Lakes, MN 56501218-847-5696

Auto-Owners Insu�ance �anks highest among auto insu�ance providers in the J.D. Power and Associates 2008-2009 Auto Claims Studies.SM Study based on 11,616 total responses, �anking 25 insu�ance providers. Excludes those with claims only for glass/wind-

shield, theft/stolen, roadside assistance or bodily inju�� claims. from auto insu�ance. Proprieta�� study results are based on experi-ences and perceptions of consumers su��eyed June 2008 - June 2009. Your experiences may va��. Visit jdpower.com.

Thank you for rating Auto-Owners Insurance “Highest in Customer Satisfaction with the Auto

Insurance Claims Experience, Two Years in a Row”


Twice as Nice!12498 (11-09)

Thank you for rating Auto-Owners Insurance “Highest in Customer Satisfaction with the Auto Insurance Claims Experience, Two Years in a Row”


Auto-Owners Insurance ranks highest among auto insurance providers in the J.D. Power and Associates 2008-2009 Auto Claims Studies.SM Study based on 11,616 total responses, ranking 25 insurance providers. Excludes those with claims only for glass/wind-shield, theft/stolen, roadside assistance or bodily injury claims. from auto insur-ance. Proprietary study results are based on experi-ences and perceptions of consumers surveyed June 2008 - June 2009. Your experiences may vary. Visit jdpower.com.


Find your perfect home with an ABR®

I have “Yor-kies”

to your new

home!

CB First Realty-Lyon1345 Highway 10 West

Detroit Lakes, MN 56501Phone: 218-844-6900Cell: 218-841-6831

[email protected] Buyer’s Representative

empowered by

Visit my website www.AskMikeJahnke.com

“I’m your ABR”Mike Jahnke

“Yor-kies” CB First Realty-Lyon

114 West Grant Detroit Lakes

commercial • industrial • residential

licensed • Bonded • insured

electrical contractorsServing the area for over 45 years

If it’s electrical, we can do it!


Energy, Water, and Our Built-Environment

www.ulteig.com

Detroit Lakes Office218-847-5607

From legal surveys to construction staking, subdivision platting to boundary surveys, we help our clients with all their land surveying needs. Ulteig provides timely and efficient service for projects small and large.

Ulteig Engineers delivers comprehensive engineering, planning, and surveying solutions to clients across the region and the nation.

If your patio doors stick,squeak or leak, these could take some getting used to.

andersenwindows.com

If your patio doors have seen better days, it's time to

replace them with Andersen® 400 Series Frenchwood®

gliding patio doors. They give you custom sizes, seven

hardware selections and your choice of pine, oak, maple

or prefinished white interiors. With low-maintenance

exteriors and new High-Per formance™ Low-E4™ glass,

these doors are the per fect combination of beauty,

convenience and energy efficiency.

Discover the difference an Andersenpatio door can make. Visit our showroom today.

© 2007 Andersen Corporation. All rights reserved.

Dealer Imprint Area(single dealer)

DL Window & Door Inc.

914 8TH ST. S.E., DETROIT LAKES, MN 56501

218-847-8708www.dlwindow.com


away. Nobody is the “new kid on the

block,” and many home builders host community block parties in new developments to help owners meet and connect.

Popular amenities like pools, walking trails and courts for tennis and basketball offer additional op-portunities for interaction among neighbors of all ages. Often new communities are comprised of home owners in the same stage of life, such as young families or ac-tive retirees, so neighbors can get to know each other through carpools, PTA meetings, tennis matches or golf games.

EntertainingThrowing a party in an older

home can be a challenge because smaller, distinct rooms make it diffi-cult to entertain guests in one large space. Builders are responding to today’s homebuyer preferences with layouts featuring more open spaces and rooms that flow into each other more easily, like the popular great room.

While you are in the kitchen pre-paring dinner, you can still interact with guests enjoying conversation in the family room without feeling closed off. The feeling of spacious-ness in today’s new-home layouts often is enhanced the higher ceilings and additional windows that bring-ing in more light than you would find in an older home.

A Clean SlateFor some buyers, parking the car

in a sparkling-clean garage or being the first to cook a dinner in a brand-new kitchen is part of the appeal of new construction.

In addition, you won’t have to spend time stripping dated wallpaper or repainting to suit your own sense of style. You can create your own home décor from the get-go!

The advantages of being the first owner of a home extend to the outdoors. Instead of inheriting in-conveniently or precariously placed trees, or having to tear up overgrown shrubs, you can design and plant the lawn and garden you want.

Outlets, Outlets Everywhere!Homes built in the 1960’s and

earlier were wired much differently than houses today. Builders had no way of anticipating the invention of high-definition televisions, DVRs and computers that we enjoy today—and the very different electrical require-ments they would introduce.

New homes can accommodate advanced technologies like struc-tured wiring, security systems and sophisticated lighting plans, and can be tailored to meet the individual home owner’s needs.

Anyone who has ever lived in an older home can also attest to the fact that there are never enough outlets, inside or out! New-home builders plan for the increased number and type of electronics and appliances used by today’s families, so you can safely operate a wine cooler, Christ-mas lights or your computer.

For more information on the benefits of a new home, contact your local Home Builders Association at Lake Region Builders Association or visit the National Association of Home Builders online at www.nahb.org/forconsumers.

BUYING NEW FRoM page 34


• Asphalt Driveways • Seal Coat Driveways• Asphalt Parking Lots

• Residential/Commercial• Free Estimates

Detroit Lakes

218-847-7164Detroit Lakes

218-847-7164218-847-7164218-847-7164

Manning’s Lakes Paving

• Asphalt Driveways • Seal Coat Driveways

• Residential/Commercial

Manning’s Lakes PavingManning’s Lakes PavingManning’s Lakes PavingManning’s Lakes Paving

Call now to

plan your

project!

Detroit Lakes, MN 56501

•General Contractor•Custom Designed Homes•Remodels & Additions• 30 Years of Building in the Lakes Area

•••

We can create the look you want


MARCH AND APRiLHOMe MAiNTeNANCe CHeCK LiST

HOw yOuR HOuSe BReATHeS

1. Check and clean mechani-cal ventilation system (HRV/ERV). Check your manual and follow manufacturer’s recommendations.

2. Clean or replace furnace filter. 3. Clean snow from air intakes,

exhausts and meters. 4. Remove excess snow from

roof to prevent ice dams. 5. Check gutters and down-

spouts and clean if needed. 6. Inspect basement/crawl space

for seepage/leakage.

7. Do safety checks: smoke detec-tors, fire escape routes, fire extin-guisher, carbon monoxide alarms, door and window locks.

8. Check and repair any dam-aged screens.

9. Adjust thermostat for season change.

10. Observe humidity levels and adjust the setting on the humidis-tat or air exchanger controller as needed to eliminate condensation or frost on windows

To survive, we breathe in oxygen and then exhale carbon dioxide and water vapor. In the same way, your house needs to breathe to provide you with a healthy home. Your house needs to bring in fresh air for its oc-cupants. It needs to exhaust water vapor generated by occupant activi-ties. When you open your windows, outside air can enter you house.

Kitchen and bathroom exhaust fans exhale water vapor and stale air from your house during periods of high moisture producing activities. If your house has an air exchanger, e.g. a heat recovery ventilator (HRV) or continuous fan, this also helps your house to breathe. The HRV inhales fresh outside air and exhales stale house air.


• Demolition• Site Clearing• Dewatering & Soil Correction• Site Grading

• Erosion Control: salesinstallation

• Site Utilities: sewerwaterstorm sewer

We are located 1 mile north on Hwy. 59 and west on Old Pit Road just over the railroad tracks.

18262 OLD PIT ROAD • DETROIT LAKES, MN 56501

storm sewer

We are located 1 mile north on Hwy. 59 and west on We are located 1 mile north on Hwy. 59 and west on Old Pit Road just over the railroad tracks.Old Pit Road just over the railroad tracks.

18262 OLD PIT ROAD • DETROIT LAKES, MN 5650118262 OLD PIT ROAD • DETROIT LAKES, MN 56501

218-847-7391 800-726-7643

218-847-7391 218-847-7391 218-847-7391

• Demolition• Site Clearing

Making the grade

D&DREPAIR &APPLIANCE

1050 Hwy 59 S, Detroit Lakes847-9775

The choice is clear.

Let us help make it.

www.dl-online.com/marketplace/dandd


Financing Your First HomeBuying your first house can be very

exciting. But financing your home pur-chase can be a daunting experience.

In both cases, do your research and shop carefully to ensure you find exact-ly what you want and need.

Deciding how much to spend on your home and which type of mortgage will work best for you – as well as under-standing the settlement process – can be confusing. However, there are many sources that can help you get prepared well before you step foot into a sales of-fice, model home or open house.

• Get familiar with the lingo. Visit www.nahb.org/forconsumers for mort-gage basics, a home buyer’s dictionary and information on financing, insuring and settling on your new home.

• Figure out what you can actually afford to pay on a monthly basis. When determining the monthly payment you can afford, remember that, in addition to the monthly principal and interest, you will also be paying into escrows for property taxes, hazard insurance and possibly a homeowners or condo-minium association assessment. You have more knowledge about your living expenses than a lender.

Hold firm with that number and don’t be tempted to agree to an amount higher than what you are comfortable spending.

Mortgage calculators are a great way to figure out what your monthly payments would be based on interest rates and down payment amounts. Cal-culators can be found on most real-es-tate-focused Web sites, including nahb.org.

• Pay down your debts. Debt that you carry on your credit cards will lim-it what you qualify for from a lender. Lenders want to see a total debt service ratio that is less than 40 percent of your

monthly income. • Attend a first-time home buying

seminar or talk to a credit counselor who does not work for a lender. You can research your options without be-ing influenced by someone who has a financial interest in the home or loan you choose.

The U.S. Department of Housing and Urban Development (HUD) offers free housing counseling and seminars; visit www.hud.gov for more informa-tion.

• HUD also has a handy booklet on its site called “Buying Your Home: Settlement Costs and Helpful Informa-tion.”

It describes the home buying and settlement process and explains most of the expenses you will encounter. It is free and most lenders are required to provide their loan applicants with a copy of this document under the Real Estate Settlement Procedures Act (RE-SPA).

However, you will be able to shop

FINANCING to page 46


G & R HILL CONSTRUCTION INC.FOUR GENERATIONS OF QUALITY CONSTRUCTION

Randy G. Hill218-841-3490

Gene A. Hill218-849-7391

Randy G. Hill

Serving the Lakes Area Since 1946

FAX: (218) 847-5947BUILDING TOWARD QUALITY FOR THE NEXT GENERATION

LIC. #20062224

• Custom Glass Shower Doors

• Structures Wood Care Finishes for Exteriors

• Floor Covering• Benjamin

Moore Paint & Stain

919 Washington Avenue • 847-7582

e specialize in custom glass shower doors.

• Custom Glass Shower Doors

Finishes for Exteriors

• Floor Covering• Benjamin

Moore Paint & Stain

919 Washington Avenue • 847-7582

Shower Doors• Structures

Wood Care Finishes

e specialize e specialize e specialize e specialize e specialize e specialize e specialize e specialize e specialize e specialize e specialize e specialize e specialize e specialize e specialize e specialize e specialize e specialize e specialize e specialize e specialize e specialize e specialize e specialize e specialize in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom in custom glass glass glass shower shower shower shower shower shower shower shower shower shower shower shower shower shower shower shower shower shower doors.doors.doors.doors.doors.doors.doors.doors.doors.doors.doors.doors.doors.doors.doors.

W


Plumbing - Heating - Air ConditioningWater Treatment - Duct Cleaning - Fireplaces

We ProvidePeace of Mind!

847-1309

ResidentialCommercialNew ConstructionService & Installation24 Hour Service - 7 Days a WeekGuaranteed Satisfaction

Come visit our showroom at 1034 Hwy 59 South, Detroit Lakes



847-1309





847-1309





847-1309



Residential • CommercialNew Construction • Service & Installation

24 Hour Service - 7 Days A WeekNever an Overtime Charge!

Guaranteed SatisfactionMaster Series Complete Water

Treatment Systems

Specialty Concrete, Inc.

14693 West Lake Sallie Dr.Detroit Lakes, MN

Office • (218) 847-3817Cell • (218) 841-8484


Specialty Concrete. Inc.


John Bergquist

• Driveways • Sidewalks • Patios • Pavers • Walls • Foundations • Tearout & Replace Footings • Colored, Stamped & Decorative Concrete


YOUR COMPLETE ELECTRICAL TEAM • 218-847-5244www.apexelectric.biz

• Commercial • Residential• Industrial

ELECTRICALSERVICE

• Electrical Equipment & Panels• Heat loss in Homes & Business

THERMO-IMAGING

• Electrical Prints • Budgets• Schedules

ELECTRICALDESIGN BUILD

Wouldn’t a new deck be a wonderful addition to yourhome? Imagine enjoying quiet times in yourbackyard . . .or entertaining family and friends. ProBuild can helpmake it happen.

At ProBuild you’ll get professional design, great service,quality Trex Composite Deck and railing systems, andconnections to some of the area’s finest contractors.

The Nation’s largest buildingmaterial supplier to professionalbuilders and project oriented

homeowners.950 Randolph Rd.

Detroit Lakes, MN218-847-2688

Mon. - Fri.7:00am - 5:30pm

Saturday8:00am - Noon

Serving contractors and project oriented homeowners

Trex dream decks come to life at ProBuild


more wisely for settlement services if you have read the pamphlet before you visit a lender.

• When you have done your re-search and are ready to move on to the next step, visit a lender, understand the loan choices that would be available to you, and, once you’ve determined the most suitable loan, get pre-approved for that loan.

Since you will already know how much money you can borrow, you will know what price range you should be looking at and can move quickly if you

are bidding on a house that has several interested buyers.

A lender’s pre-approval would still be subject to a final verification of your credit and a satisfactory appraisal, but it’s a big step toward becoming a hom-eowner.

Once you have figured out the best way to finance your new home, get out there and go find it!

For more information to help ease the first-time home-buying stress, con-tact your local Home Builders Associa-tion at Lake Region Builders Associa-tion or visit the National Association of Home Builders online at www.nahb.org/forconsumers.

FINANCING FRoM page 42

Saturday • March 2710am to 5pmSunday • March 2811am to 4pmKENT FREEMAN SPORTS ARENADetroit Lakes, MN

For booth space or more information contact Sharon at 218-847-0699

$1.00 FROM EACH ADMISSION IS DONATED TO THE BECKER COUNTY FOOD PANTRY


“A Solid Investment in Your Future”“A Solid Investment in Your Future”MENAHGA CONCRETE PRODUCTS INC.

Hwy. 71 N. Menahga, MN

CALL TOLL FREE: 1-800-450-4432218-564-4432

Bob & Linda Berttunen

READY MIXED CONCRETE CONCRETE PUMPING SERVICECONCRETE • ROCKFACE • BLOCKS

• Chimney Blocks • Masonry Supplies

• Washed Crushed Rock & Sand• Crushed Concrete, Rip Rap & Boulders

• Class 5 - Black Dirt & Fill• Loading at Pit/State Certified MN Scale

• Logix - ICF

READY MIXED CONCRETE CONCRETE PUMPING SERVICEREADY MIXED CONCRETE CONCRETE PUMPING SERVICEYear Round Service!

Over 50 years in the Lakes Area

NODSLE CONSTRUCTION

New Construction & RemodelingResidential • Commercial • Cottages • Cabinets

Perry Nodsle847-7603

1473 Legion Road • Detroit Lakes • Res. 218-847-8347 • Lic. #1834

EstabLishED 1955


One contractor start to � nish...

218-847-3329

• Commercial • Residential • Industrial • Painting • Drywall

• Steel Stud Framing

INSULATION: • Blow in

• Fiberglass Batts • Spray Foam

MN Lic# BC20037734

555 Hwy. 59 North, Detroit Lakes 218-846-1778 • Toll Free 1-888-339-4480

a Division of Stenerson Lumber

We Install

SEAMLESS SIDING

LAST YEAR TO QUALIFY FOR

TAX CREDITON QUALIFYING WINDOWS!

•Vinyl & Steel Siding •Windows •Soffi t & Fascia •Seamless Gutters

Call today for a FREE no-obligation estimate for all your exterior siding needs.

Featuring...

Builders digest 2010

Protect your Home and Family today.

[email protected]

www.arvig.comSecurity Solutions

Choose from a wide variety of security options:

• Residential Security Systems

• Remote Temperature and Water Monitoring

• 24/7 Alarm Monitoring Service

• Video Surveillance

60 Years As Your Neighbor With The Right Connections!

Providing the latest in high speed Internet, digital TV, telephone service, security solutions, telephone systems, Verizon Wireless and more!

340 Hwy 10 W • Detroit Lakes • 844-4ACS • www.arvig.com

Protect Your Home and Family

Documents

Builder's Digest 2010