Builder's Digest

A reference guide to building professionals throughout the lakes area

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An advertising supplement to the March 20, 2011, Becker County Record

BUILDERS DIGEST 2011

“Your Hometown Quality Builder & Remodeler”

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Offering...

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Builders digest 2011 1

• CustomGlassShowerDoors

• StructuresWoodCareforExteriors

• FloorCovering• BenjaminMoorePaint&Stain

• HunterDouglasWindow

Treatments

919 Washington Avenue • 847-7582919 Washington Avenue • 847-7582

e specialize in custom glass shower doors.

• StructuresWood Care

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LOCATION 1 | 555-555-5555 | www.123kitchenbath.com

Visit Your KOHLER® Registered Showroom

Dealer Name



Dealer Name



1040 Randolph Rd.Detroit Lakes, MN

218-847-7459

www.modernheatingandplumbing.com

"For Your Family's Comfort"

Dealer Name



2 Builders digest 2011

— Index —Ace Electric & Lighting . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .33

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

Air Tech . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .35

AireServ Heating & Air Conditioning . . . . . . . . . . . . . . . . . . . . . . . .6

Al Clark Construction, Inc . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .21

B&M Electric . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11

Budget Blinds . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .29

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

Custom Plastics . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .31

D&D Repair & Appliance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

Deco Crete . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13

Detroit Lakes Overhead Door Services . . . . . . . . . . . . . . . . . . . . .11

Detroit Lakes Public Utilities . . . . . . . . . . . . . . . . . . . . . . . . . . . .37

Detroit Lakes Water & Utility . . . . . . . . . . . . . . . . . . . . . . . . . . . .40

Detroit Paint & Glass . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

DL Disposal Service . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15

DL Window & Door, Inc . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .39

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

Dynamic Homes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Enercept - Curt Olson . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15

Exteriors Unlimited . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18

EZ 2 Build, LLC . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

Foltz Buildings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17

Foltz Drywall . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

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

G&R Hill Construction, Inc . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .36

Glenz Plumbing, Inc . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13

Goodin Wholesale Company . . . . . . . . . . . . . . . . . . . . . . . . . . . . .25

— Index —


— Index —— Index —Hough, Inc . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .27

Laney’s Plumbing-Heating-Air Conditioning . . . . . . . . . . . . . . . . . . .29

Lightowler Johnson Associates . . . . . . . . . . . . . . . . . . . . . . . . . . .30

Lund Roofing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .24

Manning’s Lakes Paving . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .23

Marty Solmon Construction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

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

Moore Engineering . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .24

Nodsle Construction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .25

Northland Painting & Drywall, LLC . . . . . . . . . . . . . . . . . . . . . . . .23

Ottertail Power Company . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19

Painters Plus . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .30

ProBuild . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .31

Schatts Electric . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

Schiller Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Seamless Gutters . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .27

Sonnenberg Plumbing & Heating, Excavating . . . . . . . . . . . . . . . . .36

Speciality Concrete, Inc . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .35

State Bank & Trust . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17

Stelter’s, Inc . of Detroit Lakes . . . . . . . . . . . . . . . . . . . . . . . . . . . .39

Stenerson Lumber . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18

Twin City Garage Door . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .33

Ulteig Engineers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19

p u b l i s h e d b y

D E T RO I T L A K E S N E W S PA P E R S511 Washington Avenue • Detroit Lakes, MN 56501

218.847.3151 • www.dl-online.com


Checklist for Hiring a

BuIlder or remodelerDo your homework before having work

done on your home.Use this checklist to help you select 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 financially sound business. Will they be around after the construction is complete to service any warranties?

Have you called your local Better Busi-ness Bureau? They can alert you to any com-plaints.

Does the builder/remodeler have suffi-cient workers compensation and general li-ability insurance? If not, you may be liable for any construction-related accidents on your premises.

Will the builder/remodeler provide you with names of previous customers? Ask

them if they would hire the builder/remod-eler again.

Have you seen the builder/remodel-ers work, both completed and in progress? Check for quality of workmanship and ma-terials.

Are you able to communicate with the builder/remodeler? Remember 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 proj-ect proceeds, this may indicate a potential problem.

Call the Lake Region Builders Associa-tion 218-847-0699, for the names of mem-ber builders and remodelers.


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FIve tHIngs new Home owners sHould do rIgHt AwAY

LAKE REGION BUILDERS ASSOCIATION

You’ve gotten through shopping for a home, the closing process, and even un-packing your boxes. But it’s not time to put your feet up and relax just yet! There are a few more things you should do shortly after moving into a new home to make sure you and your family will have a safe and healthy place to build lifelong memories in.

1. Create a home maintenance checklist.To make sure your home stays safe

and healthy for you and your family, you should regularly check, clean and/or test a wide variety of interior and exterior sys-tems and structures. The U.S. Department of Housing and Urban Development has a Home Maintenance Checklist that you can download from their website www.hud.gov. It provides basic guidelines for keeping your

home dry, clean, well-ventilated, free from contaminants, pest-free, safe and well-maintained.

2. Make sure you have enough insurance coverage. At a minimum, you need to purchase a

home owners insurance policy to cover the house and all of your family’s belongings inside. To determine how much insurance you need, find out how much it would cost to rebuild your house today on your existing lot. Your personal property coverage should then be anywhere from 55 to 75 percent of that amount.

Damage caused by natural disasters such as flooding, earthquakes and hurricanes are not covered by regular home owner’s poli-cies, so depending on where you live, you

FIVE THINGS to page 10


[email protected]

Lic. 20225226

• Building Custom Homes & Remodeling in the Lakes Area for 30 Years.

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may want to consider additional cover-age. Your insurance agent can help you fig-ure out the right amount of coverage and suggest upgrades or additional policies that would be appropriate for your specific situ-ation.

3. Protect your home from break-ins. If you bought an existing home, you

should rekey the locks right away. You never know who the previous owners gave keys to. The National Crime Prevention Council recommends that every exterior door should have a dead-bolt lock with a one-inch throw. They should be at least 1 3/4 inch metal or hard wood with the hing-es on the inside.

Install a peephole or wide-angle view-er—not a chain—in all entry doors so you can see who is outside without opening the door. Sliding glass doors can be secured by placing a long piece of wood at least one inch thick in the track. Keep all entrances and doors well-lit, and prune shrubs so they don’t provide hiding space for someone who wants to break in.

4. Prepare an emergency kit.In the event of a disaster, local officials

and relief workers may not be able to reach your home immediately, so you should have an emergency kit on hand.

Basic services such as electricity, gas, wa-ter, sewage treatment, and telephones may be cut off for days, or even weeks, so you should be prepared. The Federal Emergency Management Agency recommends stockpil-ing at least three days’ worth of food and water for your family. Their website www.ready.gov offers a list of items to include in a basic emergency preparedness kit, as well as guidelines on food and water storage and protecting yourself from airborne contami-nants.

5. Improve your home’s energy efficiency.Even if you’ve purchased a brand new

home with the latest energy-efficient build-ing materials and techniques, there are still some improvements you can make to save even more money on utility bills. For ex-ample:

• Replace incandescent light bulbs with longer-lasting CFL or LED bulbs.

• Install a programmable thermostat that can be set to automatically adjust the heat or air when the home is most or least used.

• Increase the insulation in your attic, on exposed water pipes and around your water heater.

The U.S. Department of Energy has an online Home Energy Saver™ tool for home owners at www.hes.lbl.gov that recom-mends energy-saving upgrades that are appropriate for the home, the climate and local energy prices.

Even if you haven’t just moved, these suggestions will help you protect your fam-ily and maintain your investment for years to come. For more information on hom-eownership, contact the Lake Region Build-ers Association.

FIVE THINGS FROM page 8


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Locally owned and operated by Tim Lamb Servicing the Lakes Area for over 20 years

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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.

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(218) 847-5255Don & Joe SchattSchneiDer

521 South Shore Drive • Detroit Lakes, MN

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On February 11, 1847 the genius inven-tor of the electrical age, Thomas Edison, was born. Over 160 years later, his most famous invention, the light bulb, still has an essen-tial place in the home. With often no more than four hours of sleep per night and his personal creed of, “Genius is 1 percent inspi-ration and 99 percent perspiration,” 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 nec-essary 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 repeatedly, you should call an electrician.

TRUE. Anytime you’re getting flickering

or dimming lights, there is a problem and you should call your electrician. Power outag-es due to power line accidents, strong wind, storms or extreme heat can cause brief in-terruptions. 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 con-tacted. You should also call your electrician if you are constantly resetting circuit breakers or changing fuses, smell burning electricity or need to replace faulty wiring.

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

FALSE. This is a commonly held be-lief, based on the erroneous notion that fluorescent bulbs use a lot of power to get

TesT your eLeCTrICAL sAVVy

TEST tO page 16


Ron Soberg, Dave Soberg & Jon Johnson

Seasonal rates available. Call for rates and information.

For Businesses

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started. While it is true that a compact fluo-rescent 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 Environmen-tal 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 replacing.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 quali-fied electrician perform a complete inspec-tion. Houses built between 1965 and 1973, in particular, are at risk because many were built with aluminum wiring, which the U.S. Consumer Product Safety Commission says is 55 times more likely to reach “fire hazard conditions” than regular copper wire.

4. A circuit breaker is not designed to pro-tect against a ground fault.

TRUE. Circuit breakers are designed to protect against high levels of electrical cur-rent 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 appliance. 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 breaker 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 shutting 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 recommends 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 because 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 own-ers put themselves in dangerous situations by thinking they could do a job cheaper by themselves. If it’s more than changing a light bulb, call a professional. Or take a how-to class at a local community college.

Just a little electrical knowledge can go a long way.

TEST FROM page 18


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

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Whatever your passion or style,passion or style,passion or style,passion or style,passion or style,passion or style,passion or style,Stenerson’s has cabinetry ideas to feed your imagination. Whether you’re a seasoned home improvement expert or just thinking about your first project, we’re here to help inspire you.

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Home owners: Help Keep local waterways HealtHy

LAKE REGION BUILDERS ASSOCIATION AND ThE NATIONAL ASSOCIATION Of hOmE BUILDERS

There’s no question that everybody wants healthy streams, creeks and green spaces in their community for their family to enjoy safely.

Stormwater management — keeping ex-cess runoff from rain and snow and the con-taminants that they carry from polluting lo-cal water sources — is essential to maintain the health and well being of native fish and

wildlife, as well as the quality of water that your family uses every day.

Home builders install silt fences and dig retention ponds to control stormwa-ter runoff during construction. But once a community is completed, the way it is main-tained makes a big difference to the health of nearby waterways.

Consider the following ways that you can help keep your community clean and

WATERWAYS to page 22


• Annuals & Perennials• Vegetables, Trees & Shrubs• Hanging Baskets, Pots & Bowls• Landscape & Perennial Design

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healthy for the enjoyment of many genera-tions to come.

FertilizingWhen it rains, lawns that are over-fertil-

ized can wash pesticides and herbicides into the storm drains on your street, eventually carrying it to the local water source — pos-sibly the source of your drinking water.

According to the Center for Watershed Protection, more than 50 percent of lawn owners fertilize their lawns, but only 10 to 20 percent of those home owners actually perform a soil test to determine the fertil-ization needs of the lawn. Before you buy your first bag, take time to do the soil test — you may find that you don’t even need to fertilize.If you do need to fertilize your lawn:

• Keep it on the grass, use it sparingly, and consider using organic products

• Hold off if there is a chance of a rain storm shortly after applying it to your lawn

• When you mow, don’t bag the grass. The clippings will naturally fertilize your lawn. But sweep those fertilizer-rich clip-pings off the sidewalk and roadway so they don’t go down the storm drain.Trees

Planting a tree is a great way to help keep polluted stormwater from reaching storm drains. The roots help rain water fil-ter back into the soil, cutting down on ex-cess runoff.

As an added benefit, trees can help cut summer cooling costs by providing shade to the home, and in many cases they help the increase the value of your home.

GardensPlants that are native to your region

require less water and nutrients to survive and are more resistant to pests and disease — therefore less fertilization is required. The Lady Bird Johnson Wildflower Center at the University of Texas at Austin has a

searchable database to help get you started — visit www.wildflower.org/explore to see what flowers, trees and shrubs work best in your community.

Rain BarrelsRain barrels collect stormwater runoff

from a home’s roof via the rain gutters. They hold the water temporarily, cutting down on the amount of water that reaches the sewer system. The water can then be used to water lawns and gardens.

Purchase your rain barrel at a local home and garden store or build it yourself — step-by-step instructions are available on the Environmental Protection Agency’s (EPA) website, www.epa.gov.

These are just a few suggestions to help get you started on the road to a cleaner and healthier community. Get involved in your local watershed organization to find out how you can make a difference. Visit www.epa.gov and search for “surf your watershed.”

For more information on stormwater management and other environmental ini-tiatives, contact visit the National Associa-tion of Home Builders at www.nahb.org.

WATERWAYS FRoM page 20


• Asphalt Driveways • Seal Coat Driveways• Asphalt Parking Lots

• Residential/Commercial• Free Estimates

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218-847-7164Detroit Lakes

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Manning’s Lakes Paving, Inc.Manning’s Lakes Paving, Inc.Manning’s Lakes Paving, Inc.Manning’s Lakes Paving, Inc.Manning’s Lakes Paving, Inc.Manning’s Lakes Paving, Inc.Manning’s Lakes Paving, Inc.Manning’s Lakes Paving, Inc.Manning’s Lakes Paving, Inc.Manning’s Lakes Paving, Inc.Manning’s Lakes Paving, Inc.Manning’s Lakes Paving, Inc.

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NORTHLANDPAINTING & DRYWALL, LLC

• Drywall Hanging• Texturing• Wood Finishing• Taping• Painting-Inside or Out

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Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund Lund RoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofingRoofing"Quality Starts at the Top"

Trevor Lund - OwnerMN Lic# 20631551 Lake Park, MN

email: [email protected]: 701-238-2531


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Detroit Lakes620 Davis Avenue

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Over 50 years in the Lakes Area

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New Construction & RemodelingResidential • Commercial • Cottages • Cabinets

Perry Nodsle847-7603

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

EstabLishED 1955


HOW TO EnsurE a sTrEss-FrEE sETTlEmEnT Or ClOsInG

Settlement — also referred to as closing — is the final stage of making your dream home your own. The final settlement meet-ing will usually involve the closing agent, the seller, both real estate agents and you. Before you sit down at the table to sign the final papers, make sure you have covered all of your bases so that the settlement goes as smoothly as possible.

Prior to closing:• Your lender is required to give you

a booklet explaining the closing costs, a “good faith estimate” of how much cash you’ll have to supply at closing, and a list of documents you’ll need at closing.

• Have your real estate agent or the

lender conduct a title search. A title search involves looking through public records to see if anyone else has a claim to your prop-erty.

• Determine if you are required to pur-chase lenders’ title insurance to protect your lender from claims. This insurance can guard against a faulty title search, as well as other issues that can pop up such as liens or development restrictions that even the most thorough search will not reveal.

• Purchase your own title insurance. The lender’s and previous owner’s title insur-ance will not protect you against a claim.

STRESS FREE to page 28


FREE ESTIMATES

Seamless Gutter Systems

CALL WAYNE AT 218-841-0232 or 218-334-4425

• 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


• Arrange for a home inspection. A home inspection will let you know the condition of your cooling and heating systems, pipes, structure, grade of the land and electrical system. It is strongly suggested that the buyer hire the home inspector. You also should schedule a personal inspection of the home at least 24 hours before settle-ment to ensure that there has been no re-cent damage and that the seller has fixed prior agreed-upon issues with the home, if any existed.

Once you get to the settlement table, you will find yourself signing a lot of forms. Most of these forms will be supplied by the signing agent; however, you will be respon-sible for bringing a copy of your home own-er’s insurance policy with proof of payment and a certified check for closing costs and any remaining portion of your down pay-ment. Check with your agent to see if any other forms are required by the state or lo-cal government.

A day or two before the settlement ap-pointment, you will receive a HUD-1 Settle-ment Statement from the closing agent. This will show you all of the fees associated with the purchase of your new home — which will include the application fee, appraisal fee, closing cost fee, taxes, etc. —and tell you how much money you will have to pay at closing.

Before leaving the table, make sure you are clear on when your first mortgage pay-ment is due and where it should be sent. A few weeks following settlement you will receive a payment coupon book to send in future payments, or you may be able to ar-range to have your payments automatically withdrawn from your bank account each month.

This is just a brief look at what you can expect during your settlement meeting. Your real estate agent will be able to answer specific questions and concerns that arise during this process.

The Department of Housing and Urban

Development (HUD) Real Estate Settlement Procedures Act (RESPA) helps consumers become better informed home buyers. You can learn more about RESPA at www.hud.gov/respa.

Contact the Lake Region Builders Asso-ciation or visit the National Association of Home Builders at www.nahb.org for more information on buying a home.

STRESS FREE FRoM page 26


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SHANE & TAmi HEiLLEAbout 1 mile West of 59 on Cty Hwy 6 • “Look for the sign!”

15555 Heille Ridge Lane • Detroit Lakes, MN 56501

218-847-5295 Work • 218-847-0005 Fax

Prefinishing Shop &Retail Showroom

We sell...• Interior & Exterior Doors• T&G Paneling• Millwork• Windows• Knob & Lever Locksets• Jambs• Unfinished or Prefinished• Painting or Staining

“Licensed Area Contractors Trust Us. Rest Assured, You Can Too!”

Come visit our

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Commercial & Residential, Interior & Exterior Painting


950 Randolph Road • Detroit Lakes, MN • 218-847-2688

When the elements get tough, so does theCertainTeed Roofing Collection. Searchingfor an extra tough shingle tailor-made forhowling winds, driving rain and snow, bone-chilling temperatures? CertainTeed has justwhat you’re looking for. Every CertainTeedasphalt shingle meets or exceeds the per-formance standards established by ASTM andUL.For the best in beauty, quality and value,there’s only one choice – CertainTeed roof-ing products from ProBuild.We have it all,and we do it all!• Design Service• FREE Estimates• Installed Services• Boom Delivery• Rooftop Delivery

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amErICans Happy WITH HOmEOWnErsHIp

LAKE REGION BUILDERS ASSOCIATION

The value of homeownership has been questioned by the media as Americans struggle in the current recession. But the truth is that most families are happy about their choice to buy a home.

Bankrate, Inc., a financial publishing company, recently surveyed more than 1,000 randomly-selected adults about their home purchase and 90 percent responded that they don’t regret buying their home.

Even during tough economic times such as these, many home owners realize that the benefits of homeownership are overwhelm-ing — especially in a time where housing affordability is at its all-time high. Accord-

ing to the National Association of Home Builders/Wells Fargo Housing Opportunity Index (HOI), 72.3 percent of all new and existing homes sold in the second quarter of 2010 were affordable to families earning the national median income of $64,400. At the end of 2007, only 46.6 percent of homes were affordable to families earning the me-dian income.

What are some of the other benefits?An immediate benefit is that interest

rates are at record lows and there is a wide selection of homes on the market to choose from. It’s a buyer’s market. Purchasing a home now will allow you to negotiate for more items on your wish list than when

happy to page 34


SALES - SERVICE - INSTALLATION

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the housing market recovers and you may have to compete with others for your dream home.

A little further down the road, when fil-ing your federal tax returns, you will be able to claim two deductions — the mortgage interest deduction and the property tax de-duction.

Much of your monthly payment, espe-cially in the first few years after buying a home, goes towards the interest on the loan and not the principal. The federal govern-ment allows you to deduct those interest payments from your taxes in most cases. State and local property taxes paid on the assessed value of the home are also deduct-ible on your federal return.

For many home owners these combined

tax deductions can result in a tax savings between $5,700 and $11,400, depending on filing status.

Also, homeownership is the biggest source of net worth for most families. It is the one investment that not only can help you put your kids through college or retire comfortably in the future , it can also be used to house your family and create life-time memories and a strong, healthy com-munity in the meantime. You can’t get that from a stock or a bond.

These are just a few examples of the fi-nancial savings and other advantages of ho-meownership. Learn more in the free “Op-portunity Knocks” brochure available from the National Association of Home Builders at www.nahb.org/homebuyerbrochure.

happy FROM page 32


801-420-1010Offer expires December 3, 2011

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We’ll beat any COMPetItORS WRItten bId by 10%

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


Plumbing & HeatingRick Sonnenberg

Owner • Vergas

218-342-2135Master License #60657 PM

New Construction • Remodeling Jobs Cabin Opening & Closing • Furnaces Heat Pumps • Unit Heaters • Boilers

Fireplaces (Gas Piping) • Water Heaters Drain Cleaning • Service/Maintenance

ExcavatingTorey Sonnenberg

Owner • Vergas

218-342-2135Septic Systems • Gravel

Black Dirt • General Excavating Water Lines • Retaining Walls • Rip Rap

Landscaping • Demolition • Tree Removal

Insured • Licensed • Bonded • Free Estimates

CommeRCial and ReSidenTial

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


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.

• Up to $200 rebates on new energy efficient electric water heaters• $300 rebates on new qualifying energy efficient central air

conditioning or air-to-air 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

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City of Detroit Lakes City of Detroit Lakes

Connections include:• Dial-up Internet beginning at

$9.95 per month• Fiber Optics

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LakesNet • Detroit Lakes Public Utility • 1025 Roosevelt Avenue

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LakesNet Internet and Broadband Communication Services

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Your hometown Internet provider. Serving the City of Detroit Lakes and surrounding area since 1997.

• Dial-up Internet beginning at High Speed packages start at just $36.50 per montH!For additional information, contact LakesNet at 847-7609, or [email protected]


Questions to ask before hiring a contractor for your

building or remodeling project

Ask for estimAtes

How long have you been a contractor?

Do you have references?Do you have liability insur-

ance?Have any complaints been

filed against you?What is your role in the

company? 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 commerce)?

Your building or remodel-ing project is important. You want the highest quality prod-uct, which you can only expect from licensed contractors. 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 speci-fications. This is a time-consuming process for the contractor, so you should be pre-pared to pay for this package.

Apples to ApplesMake sure that you’re comparing apples

to apples. Estimates from different contrac-tors need to be based on identical project specifications. Make sure each bid includes everything you’ve asked for. Change orders (that is, changes to your project 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 selection. 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, communication, etc.) if the esti-mate 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.


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© 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

One contractor start to � nish...

218-847-3329

• Commercial • Residential • Industrial • Painting • Drywall

• Steel Stud Framing

INSULATION: • Blow in

• Fiberglass Batts • Spray Foam


City of Detroit LakesCity of Detroit Lakes1044 West Willow Street • Detroit Lakeswww.groundwater.org

Info from your DL City Utilities...

Wastewater from washing up. laundry, bathing or other personal uses.

Milk (in small amounts).

Out of date juice.

Paper and plastic.

Fats, oils and grease from cooking.

Solvents, paints, polish removers.

Sanitary products.

Motor oils, transmission fluids, anti-freeze or other toxic chemicals.

www.groundwater.orgwww.groundwater.org

Wastewater from washing

Safe for Your Sewer System

Paper and plastic.

Don’t Put Down Your Sewer

Wastewater from washing Wastewater from washing

Out of date juice.

SATURDAY, MARCH 26 10am to 5pm

SUNDAY, MARCH 27 11am to 4pm

KENT FREEMAN SPORTS ARENA

DETROIT LAKES

Sponsored by Lake Region Builders Association

SATURDAY, MARCH 26

SUNDAY, MARCH 27

andandandandandandandandandandandandandandand

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


Protect your Home and Family today.

[email protected]

www.arvig.comSecurity Solutions

Choose from a wide variety of security options:

• Residential Security Systems

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

• Internet• Digital TV• HDTV• DVR • Phone

• Security Solutions • Telephone Systems• Verizon Wireless • and More


Don & Coleen

“The name built on quality”

439-6271Over thirty years of excellence

“The name built on quality” “The name built on quality” “The name built on quality” “The name built on quality” “The name built on quality” “The name built on quality” “The name built on quality” “The name built on quality” “The name built on quality” “The name built on quality”

DON TIETZ CONSTRUCTION, INC.

DON TIETZ CONSTRUCTION, INC.CONSTRUCTION, INC.CONSTRUCTION, INC.CONSTRUCTION, INC.CONSTRUCTION, INC.CONSTRUCTION, INC.CONSTRUCTION, INC.CONSTRUCTION, INC.

Quality HomesCrafted with Care.

For unparalleled craftsmanship, innovative

design and good old-fashioned service, make us your builder

of choice.

• General Contractors • New Homes • Remodeling • Residential

• Commercial

• General Contractors

Lic. #20164882

Builder's Digest

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