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Arizona Going Green Mortgages & Asbestos Prevention

By
Mortgage and Lending with Reasy Financial LLC NMLS 2446155

Located in the Southwestern part of the United States, Arizona is a state known for its wonderful weather, beautiful scenery and national parks. It is one of the ideal spots for active lifestyles and is easy to see why many potential home buyers are choosing Arizona as their destination of choice. 

The path to home ownership is an exciting time for you and your family, but it is one that may bring additional responsibilities into your life.  Having the assistance of an honest and experienced Arizona mortgage professional can make all the difference during this process. 

Homes that are newly purchased may require additional remodeling or repairs. The FHA 203k loan may be the perfect opportunity to make the necessary repairs for safety and cosmetic upgrades.  There are also other options for VA and FHA loans for "Going Green" on your home mortgage.  Building or remodeling your home with eco-friendly materials can lower utility and water bills, achieve federal tax credits, higher real estate value, purer air quality, reduced waste sent to landfills and conservation of natural resources.

What is Asbestos?

Asbestos is the name given for a group of fibrous minerals that were mined for their qualities as fire resistant, insulation and high durability. Asbestos may still appear in roof shingles, dry wall, attic insulation, popcorn ceilings, joint compounds and electrical wires. It's flame resistant and durable qualities made it an ideal choice for many industries.  Homes built before 1980 may still contain asbestosAsbestos in Arizonamaterials. There are now many eco-sustainable options that make the use of asbestos obsolete.

Tips & Important Information on Asbestos

If any asbestos is located in your home, the best thing to do is leave it un-disturbed until a home inspector can determine the best course of action. In many situations, the best action is no action. Asbestos that is disturbed or damaged due to age is known as "friable" asbestos. This is a concern because its toxic fibers can easily circulate and become inhaled.

Although asbestos exposure does not always lead a related illness, long term inhalation of its fibers can cause a rare but severe ailment known as malignant mesothelioma. Asbestos-related illnesses may not appear until 20 to 50 years after exposure, which makes mesothelioma diagnosis even more difficult.

The removal of asbestos must be performed by licensed abatement contractors who are trained in handling dangerous materials. They work under state and federal regulations to ensure no health concerns arise from improper removal.

Arizona "Going Green"

The Arizona Department of Environmental Quality is committed to protecting the public from asbestos-containing materials by educating and assisting with asbestos removal, transport and disposal. The removal of hazardous substances must be performed by professional abatement contractors who are trained in these matters. Eco-friendly options must be considered when the removal is complete.

Implementing green methods of building can have positive environmental, health and economic benefits. These include: Conservation of natural resources, enhance air quality, protect eco systems, energy sustainability, increase property value, improve quality of life, improvement of pulmonary and cardiac health, Reduction of waste.

Environmentally safe alternatives to asbestos include the use of cotton fiber, lycnene and cellulose. There is no need for any products used in construction to be made from asbestos, yet over 3,000 work and home-based materials still contain this toxin.

With growing education and technology in green sustainable energy and building resources, the state of Arizona has taken actions to ensure safety and health is a top priority in this great state. If you are looking for more information on asbestos or mesothelioma please visit www.asbestos.com.

If you're considering remodeling or rehabilitating your home, the FHA 203k program may fit your needs.  If you want more information on the FHA 203k or other rehabilitation loans please contact The Krushinsky Team at 602.695.7575 or david@dkhomeloans.com.

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About the Author

My name is David Krushinsky and I am a Phoenix mortgage specialist that is truly passionate about my profession and the result is that nearly 100% of my business is by referral from satisfied clients, trusted financial advisors and the most experienced REALTOR®'s in the Phoenix area.
Questions? Call 480.339.1576 or Visit My Website

Comments (2)

RJ Baxter
Clear Path Home Loans - Centennial, CO
303-670-0137

This is a nice summary about asbestos- thank you.  Do you also do energy-efficient mortgages?

Jan 29, 2010 10:21 PM
David Krushinsky
Reasy Financial LLC - Peoria, AZ
AZ MB-1044208 MLO NMLS #202115

We do RJ! 

Feb 01, 2010 03:01 AM