Blow-In-Blanket® system (BIBS®) is a proven, state-of-the-art insulation system utilizing specially manufactured fiberglass blowing wools installed in walls, floors, attics, or ceilings behind a proprietary fabric. The system forms a seamless blanket of insulation that completely fills around pipes, wires and other objects inside the cavity to maximize thermal efficiency and provides you with the highest R-values attainable on the market today. B E N E F I T S Reduced Air Infiltration Excellent Sound Control Higher Efficiency R-Values Non-Settling Safety Recycled Content Pay Down Your Debts Debt that you carry on your credit cards will limit the loan amount that your lender will approve. Lenders typically want to see a total debt service ratio that is less than 40 percent of your monthly income. Get Objective Advice or talk to a credit counselor who does not work for a lender. The U.S. Department of Housing and Urban Development (HUD) offers free housing coun- information by visiting hud.gov or calling HUD’s interactive voice system at (800) 569-4287. Pre-Qualify for Your Home Mortgage smoothly, buyers should consider pre-qualifying for a mortgage and hav- - fore shopping for a new home. Pre-approval also enables you to quickly make attractive to sellers who are considering multiple offers. A lender’s pre-approval - tion of your credit and a satisfactory appraisal. Qualifying for a mortgage and saving for a downpayment remain primary obstacles to homeownership. To address these issues, Fannie Mae and Freddie Mac offer low-downpayment mortgage programs geared primarily toward the lenders will now offer mortgages with 3% downpayments, allowing more creditworthy borrowers who lack the funds for a large downpayment to obtain a home mortgage. - will be a much more enjoyable experience. For more information to help ease - tact Hickory & Catawba Valley Home Builders Association at www.hickoryhba. com or 828-322-6482. Hickory & Catawba Valley Parade of Homes 2017 41
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