Old West Alive! Productions

BuildMax: The Owner-Involved Building Solution!
How can I explain this fantastic opportunity
to you in such a way to alleviate your concerns?
After all, your home is mostly likely the largest investment of your lifetime, and I know that you want to make the best decision for you and your family! When considering your new home, you may be anxious about your ultimate equity position, or perhaps everyday benefits such as:
1. the quality of materials, including the ability to make upgrades;
2. a customized plan with details that add visual impact & curb appeal, as well as functionality to your home.
Now, let's start with a question for you. Relax, it is an easy one!

After all, your home is mostly likely the largest investment of your lifetime, and I know that you want to make the best decision for you and your family! When considering your new home, you may be anxious about your ultimate equity position, or perhaps everyday benefits such as:
1. the quality of materials, including the ability to make upgrades;
2. a customized plan with details that add visual impact & curb appeal, as well as functionality to your home.

Now, let's start with a question for you. Relax, it is an easy one!
What motivated you to complete the form
for information on the BuildMax program?
Some past replies from BuildMax clients have been:
95% financing and low out of pocket costs,
the opportunity to save money,
and the satisfaction of self involvement and doing things right.
and the satisfaction of self involvement and doing things right.
Oddly enough when I then ask some folks what are their concerns, the replies are similar:
"Does it cost more for the 95% financing?"
"Is the opportunity real and possible?"
"Is self involvement going to be a "headache" in the end?"

Some past replies from BuildMax clients have been:

95% financing and low out of pocket costs,
the opportunity to save money,
and the satisfaction of self involvement and doing things right.

and the satisfaction of self involvement and doing things right.

Oddly enough when I then ask some folks what are their concerns, the replies are similar:

"Does it cost more for the 95% financing?"
"Is the opportunity real and possible?"
"Is self involvement going to be a "headache" in the end?"

I would like to address these concerns; let's start with the last one, since the "headache factor" can be an ordeal.
Industry Studies show that there are 3 main reason why a construction project fails when using a builder:
They run out of money or spend more than they thought.
They run out of materials or get the wrong materials.
They run out of time and experience costly penalties.
By the way, 86% of owner builders that DO NOT use assistance experience at least one of these when going at it alone.
The BuildMax program is about reducing these headache factors. You will build your home "on paper" using the most comprehensive estimation and budgeting software available anywhere. Knowing what to look for in the end will help you ask the right questions and "get it in writing" on the bid. You can even use this as an addendum to your bid so that there is no doubt about it for all involved.
The BuildMax budget also has a 5% - 10% reserve fund for truly unforeseen events. The good news is that it is a bank reserve at your discretion and not a builder reserve that often almost magically is always tapped before its time. This way if you do not need it comes off the loan for a lower mortgage.
As far as materials, you have the flexibility to go with someone you know and trust. You will deal direct with all material suppliers, vendors and sub labor: you are in control. If you need contacts, we can assist with a contractor locating service and materials.
Click here for Alternate Material Suppliers:

Industry Studies show that there are 3 main reason why a construction project fails when using a builder:

They run out of money or spend more than they thought.
They run out of materials or get the wrong materials.
They run out of time and experience costly penalties.

By the way, 86% of owner builders that DO NOT use assistance experience at least one of these when going at it alone.

The BuildMax program is about reducing these headache factors. You will build your home "on paper" using the most comprehensive estimation and budgeting software available anywhere. Knowing what to look for in the end will help you ask the right questions and "get it in writing" on the bid. You can even use this as an addendum to your bid so that there is no doubt about it for all involved.

The BuildMax budget also has a 5% - 10% reserve fund for truly unforeseen events. The good news is that it is a bank reserve at your discretion and not a builder reserve that often almost magically is always tapped before its time. This way if you do not need it comes off the loan for a lower mortgage.

As far as materials, you have the flexibility to go with someone you know and trust. You will deal direct with all material suppliers, vendors and sub labor: you are in control. If you need contacts, we can assist with a contractor locating service and materials.

Click here for Alternate Material Suppliers:

Knowing what to look for in the end will help you ask the right questions and "get it in writing" on the bid. You can even use this as an addendum to your bid so that there is no doubt about it for all involved.

Click here for Alternate Material Suppliers:

All of our clients all have "day jobs", and 76% have little or no building experience. They are software engineers, truck drivers, and sales professionals. Working people - just like you. Some want to afford more of a home than they can qualify for in the existing (already built) house market - paying retail. A majority has kids and have even "built" before using a builder, but need more space on the same budget. Some are looking to get into their first home while starting a career or even planning a wedding! (that last scenario however, is not highly advised!)
The fact of the matter is even if you went "turn-key" and paid 20% more for the same house, you would still need to review the progress, make directional decisions, and check out the work prior to paying the contractor. In essence, that is what you are doing here too. You manage the progress and scheduling. We have a great timeline flowchart to use - download here: - , you make the decisions on materials and upgrades, and you check out the progress before cutting the check to them from your construction funds account. Just in case, you are performing some of the labor for sweat equity and/or using friends with hectic schedules - We offer a 9, 12 & 15 month construction time to accommodate for permit, weather, and "brother-in-law" delays. With this cycle you can start now, regardless of what the calendar says.
The Ultimate Headache Reliever: No Payments while you Build. We strive to make this experience a positive and interactive one with as little negative impact on your budget as possible. In fact, the only out-of-pocket cash that may be required will be: plans, appraisal, and earnest money to execute the land sales contract.
We strive to make this experience a positive and interactive one with as little negative impact on your budget as possible. In fact, the only out-of-pocket cash that may be required will be: plans, appraisal, and earnest money to execute the land sales contract.
They are software engineers, truck drivers, and sales professionals. Working people - just like you. Some want to afford more of a home than they can qualify for in the existing (already built) house market - paying retail. A majority has kids and have even "built" before using a builder, but need more space on the same budget. Some are looking to get into their first home while starting a career or even planning a wedding! (that last scenario however, is not highly advised!)

The fact of the matter is even if you went "turn-key" and paid 20% more for the same house, you would still need to review the progress, make directional decisions, and check out the work prior to paying the contractor. In essence, that is what you are doing here too. You manage the progress and scheduling. We have a great timeline flowchart to use - download here: - , you make the decisions on materials and upgrades, and you check out the progress before cutting the check to them from your construction funds account. Just in case, you are performing some of the labor for sweat equity and/or using friends with hectic schedules - We offer a 9, 12 & 15 month construction time to accommodate for permit, weather, and "brother-in-law" delays. With this cycle you can start now, regardless of what the calendar says.

The Ultimate Headache Reliever: No Payments while you Build. We strive to make this experience a positive and interactive one with as little negative impact on your budget as possible. In fact, the only out-of-pocket cash that may be required will be: plans, appraisal, and earnest money to execute the land sales contract.

We strive to make this experience a positive and interactive one with as little negative impact on your budget as possible. In fact, the only out-of-pocket cash that may be required will be: plans, appraisal, and earnest money to execute the land sales contract.

- , you make the decisions on materials and upgrades, and you check out the progress before cutting the check to them from your construction funds account. Just in case, you are performing some of the labor for sweat equity and/or using friends with hectic schedules - We offer a 9, 12 & 15 month construction time to accommodate for permit, weather, and "brother-in-law" delays. With this cycle you can start now, regardless of what the calendar says. The Ultimate Headache Reliever: No Payments while you Build. We strive to make this experience a positive and interactive one with as little negative impact on your budget as possible. In fact, the only out-of-pocket cash that may be required will be: plans, appraisal, and earnest money to execute the land sales contract.
We strive to make this experience a positive and interactive one with as little negative impact on your budget as possible. In fact, the only out-of-pocket cash that may be required will be: plans, appraisal, and earnest money to execute the land sales contract. 2nd Concern: Is the BuildMax Opportunity Real? YES!
A vast majority of banks require a general contractor, and with good reason - they mitigate the risk for the bank, they are responsible, and it makes the process of underwriting more streamline. Banks are in business to lend money and derive a profit from those decisions.
Read more about how it works by CLICKING HERE.
BuildMax has developed a program that takes into account the reason builders and owner-builders fail. We then adjust the processing requirements to counter-act these issues, and our clients are allowed to use some of the equity "savings" to fund closing costs, land acquisition, and interest during construction to minimize the budget impact of building a home.
has developed a program that takes into account the reason builders and owner-builders fail. We then adjust the processing requirements to counter-act these issues, and our clients are allowed to use some of the equity "savings" to fund closing costs, land acquisition, and interest during construction to minimize the budget impact of building a home.
OK, but how does the bank know that you can build a home?

BuildMAX plus plus (+) YOU equals (=) the General Contractor.

A vast majority of banks require a general contractor, and with good reason - they mitigate the risk for the bank, they are responsible, and it makes the process of underwriting more streamline. Banks are in business to lend money and derive a profit from those decisions.

Read more about how it works by CLICKING HERE.

has developed a program that takes into account the reason builders and owner-builders fail. We then adjust the processing requirements to counter-act these issues, and our clients are allowed to use some of the equity "savings" to fund closing costs, land acquisition, and interest during construction to minimize the budget impact of building a home.

OK, but how does the bank know that you can build a home?

BuildMAX plus plus (+) YOU equals (=) the General Contractor.

BuildMax has developed a program that takes into account the reason builders and owner-builders fail. We then adjust the processing requirements to counter-act these issues, and our clients are allowed to use some of the equity "savings" to fund closing costs, land acquisition, and interest during construction to minimize the budget impact of building a home.
has developed a program that takes into account the reason builders and owner-builders fail. We then adjust the processing requirements to counter-act these issues, and our clients are allowed to use some of the equity "savings" to fund closing costs, land acquisition, and interest during construction to minimize the budget impact of building a home.

OK, but how does the bank know that you can build a home?

BuildMAX plus plus (+) YOU equals (=) the General Contractor.

Now some may have friends in the business or you may be one of the many trades people that have been told "no" by your bank. Even though you may possess the skills needed to complete your home - the financial means may be the reason. That is the power of 95% financing, flexible draws, and common sense underwriting.

Concern # 3: Is 95% Financing just a costly gimmick? NO!

Sometimes it can be - Look on TV- cars and furniture has been sold using the no money down & low "monthly payment" for years. Focusing on the payment instead of cost. In traditional mortgage lending, these "bells and whistles" of 95% niche financing can cost more points or have a higher interest rate.

With BuildMax helping you complete the loan directly with the bank there is no branch or broker to pay, so you save on fees. The rates are very competitive as well since we are powered by national construction lenders. The savings is real.

With construction, 95% financing does not mean zero equity. It means 100% of cost (land, labor, material, closing & interest during) and not the appraisal value - so even after 100% project cost financing there is equity. Where there is equity the banks have less risk and less risk means a lower interest rate. With BuildMax mitigating the risk the equity is created. Bottom line, our loan product does not need to "shock" or increase the rate because the construction loan, when completed, converts into a mortgage with substantial equity position because you paid less than market value where using a GC would cost 18% - 22% more. Our 95% financing actually improves the risk by not leaving any budget item to chance.

As a matter of fact, all the features like not selling your home prior to starting and no out of pocket payments while you build offer a dual purpose for you and the bank. They help your project to run smoother and more streamline with your "real life" in tact but also makes sure that all payments are on time so they can offer the best risk based rate at modification to a permanent mortgage. There is advance money for material draws that eliminate the need for many separate credit lines. Also, your personal cash reserves are further protected by financing the closing costs in the loan.

Now are you Ready to Start?

I think you are! You are smart, savvy, and ready to tackle the challenge. You are not afraid of going against the grain a bit and using the internet & other building technology to save money. Since you are smart - let me not ignore the subject of our competition. You should be looking around, it is okay. I could be biased, but here goes..

The point is our business model delivers the things you need to be successful more efficiently and more economical. Most sell you, actually "re-sell" from their "material partners" a re-priced "package" and also tend to limit your selection of plans. We give you the opportunity to buy direct for any plan, and materials.

Some sell you on a few "on-site" visits from a GC/franchisee and you pay for them too (more than our fee with an upfront fee even to discuss your project). If you desire, we'll use 3rd party inspectors for progress reports and save you money.

Please bring me your questions, thoughts and scenarios so we can compare. You can then move forward with the assurance of knowing that BuildMax is the best deal possible for those that fit the program. In some cases, the others may be a better fit to your situation - let's find out together.

There is no upfront fee nor application fee to start with BuildMax. Our consulting fee is 100% financed in the loan as a construction related expense - so if you do not close there is no fee at all.. ever.

So what do you do next?

Contact me for a FREE Feasibility Study- personalized to your project details: cindy@buildmax.com , or SUBMIT HERE via my input form.
Prequalification: This is done simply with Gross Income & monthly debts to determine if your project is within your means.
Pre-Approval: Complete a full loan application (CLICK here for my my secure loan application site), and the lender will pull credit & review your loan request.
Credit Underwriting: Lender review of your financial documents.
Project Underwriting: Lender review of property title, appraisal, and budget/plans.
BUILD!

Thank you for your interest. Please feel free to call with any questions.

I look forward to speaking with you about your project very soon!