Thomas Buckborough Associates
TBA News
In This Issue
Winterizing Your Home
TBA Recipes
Green Site Links
Financing for Home Remodeling
Lincoln Sudbury Adult Education
Winterizing Your Home
Top Ten Tips!
The time is right to begin preparing your home for winter!  As temperatures begin to dip, your home will require maintenance to keep it in tip-top shape through the winter.  Here are ten great tips from us to help you prepare.  Call us for all your home maintenance needs!

TBA Winter Tips
TBA Recipe

Celebrate 20 years with us by trying out this yummy cake recipe -- from the September 1988 issue of Gourmet magazine.

Orange Glow Chiffon Cake

Our Services

We offer creative vision, exceptional craftsmanship and comprehensive construction services all in one clear source for smooth and efficient project management.  Our projects include:

- Major Renovations
   and Additions

- Kitchens
- Master Suites
- Basement
   Renovations

- Bathrooms
- Entertainment
   Rooms and Wine
   Cellars

- Green Remodeling
- Studios and Home
   Offices

- Entrances and
   Mudrooms

- Home
   Maintenance

Should you or someone you know require our services, contact us at 978-263-3850.

Green Site Links

Ecoversity

Building Green

EcoIQ Magazine

Enviro-source
TBA Links
Newsletter Archive

Yestermorrow School

Bauhaus

The Big Orange Splot

Organizing Your Home

Green Building

House Thinking

Cathedral Builders

Dear friends -

I'm extremely proud to announce that this month marks the company's 20th anniversary providing outstanding 20thdesign-build services.  Founded in 1988, TBA has stood strong as one of Metro-West's premier remodeling firms. Over the years we've worked hard to deliver award-winning creative vision and exceptional craftsmanship.  I now look forward to the next 20 years - continuing our services for our longtime clients and friends along with meeting new clients and friends of TBA!

Planning your budget carefully is an important step in the home remodeling process. To speak more about the options available in financing a project, I've asked  Christopher Iosua to join our anniversary month newsletter.  Christopher is president of The Mortgage Connection, Inc. and a former member of The Board of Directors for the Massachusetts Mortgage Association.  Thank you Christopher!

Cheers!

thomas signature
Financing for Home Remodeling
Chris Iosua by Christopher J. Iosua

During the past six months the media has made the current condition of the mortgage industry very clear. Many large national banks have closed their doors and those that have survived have severely tightened their lending guidelines. However, for the most part, financing for your home improvement projects is alive and well! The challenge has and continues to be finding the appropriate mortgage program to fit your individual situation. The following list of programs will provide you with a comprehensive overview of potential options to finance your home improvement projects.

Home Equity Lines of Credit

This program is frequently used for smaller projects. 

Pros: No closing costs and very low initial rates

Cons: Rate adjusts based on movements in prime rate.

Fixed Rate Second Mortgages

This program is frequently used for slightly larger projects. 

Pros: Can often be found with no closing costs. No interest rate risk like the lines of credit

Cons: Rates are typically higher than a conventional first mortgage. Terms are usually only up to 20-25 years resulting in higher payments.

1st Mortgage Refinance

This program is frequently used for larger projects.

Pros: Lowest payment option

Cons: Only makes sense if you are offered a rate at or close to your current rate without paying ANY closing costs.

Construction Loan

This program is frequently used for very large projects including large additions and tear down\ rebuilds.

Pros: Provides funds based on the future value of the home. This typically results in access to much larger amount of financing.

Cons: Most cumbersome program to utilize. Funds are not given all at once, rather on a schedule of 5-8 pre-determined disbursements.

Christopher began his Real Estate career in the late 80's with Merrill Lynch's real estate division. As a top producing Real Estate Agent he developed his skills & basic understanding of the Real Estate Industry.  In 1989 he embarked on what would become the beginning of a long career in the residential & commercial mortgage finance industry. In 1995 he founded The Mortgage Connection, Inc. & currently remains the company President. With closed loan volume exceeding half a billion dollars, The Mortgage Connection, Inc. has become a well respected source for residential & commercial mortgages nationwide.  Christopher is also a former member of The Board of Directors for the Massachusetts Mortgage Association.

 To reach Christopher, please call 978-371-3242 or visit www.mortgageconnection.com

Lincoln Sudbury Adult Community Education

Thomas will be teaching a course this fall through the Lincoln Sudbury Regional High School Adult Education program entitled Getting Started with Remodeling your Home

Excerpt from the Course Description
This two session class will cover many aspects of home remodeling. Remodeling your home can be a daunting  task, not only do horror stories abound about working with Architects and Contractors but  the sources  for getting educated about what  is possible, what's popular and what works in the real world are few and far between. HGTV has made remodeling look like an overnight Hollywood success  story. Come to this class and  learn  about  the realities of remodeling a home outside of Hollywood. Thomas Buckborough is President and Design Director of a Design Build Remodeling firm in Acton Mass.  He  has  worked  exclusively  within  the field of residential remodeling for over 25 years. His 20 year old firm has been won over 30 national and local awards for design and business practices. 

2 Tuesdays Beg. October 7
7:00-9:00p.m. $55.00

Spread the news and sign up now for this exciting class!
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TBA logo   Thomas Buckborough Associates
   Residential Designers and Contractors
  
At Thomas Buckborough Associates, our goal is simple -- we want you to love everything about your home.  The way it looks, the way it feels, the way it meets the changing needs of your family.

978-263-3850
358 Great Rd, Acton, MA 01720