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Vicky Schram

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Vicky Schram

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38 years of experience

The company was organized in July 1987 by its Founder/CEO Thomas L. VanDyk. We know you have many choices when shopping for a mortgage lender. We are proud of our Company and staff and will strive to deliver you great service at a great rate ! We would appreciate the opportunity to earn your business.

The company was organized in July 1987 by its Founder/CEO Thomas L. VanDyk. We know you have many choices when shopping for a mortgage lender. We are proud of our Company and staff and will strive to deliver you great service at a great rate ! We would appreciate the opportunity to earn your business.



Pieces of Enchantment

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Pieces of Enchantment

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17 years of experience

Pieces of Enchantment (stone works) Specializing in custom stone design and installation with a focus on building elegant, eco-friendly and structurally sound creations. I provide professional service, innovative design, quality material and custom installation. Stone is not sourced from local stone yards. This means that each project begins with a custom design before quarrying and installation and is truly one of a kind. Even so, the price for this work is competitive within the industry and affordable for most home owners' budgets. I have excellent references and appointments can made to see my completed projects in person. Go to www.piecesofenchantment.com to see more pictures. You can contact me at 505-916-1651 or by email at [email protected]. .

Pieces of Enchantment (stone works) Specializing in custom stone design and installation with a focus on building elegant, eco-friendly and structurally sound creations. I provide professional service, innovative design, quality material and custom installation. Stone is not sourced from local stone yards. This means that each project begins with a custom design before quarrying and installation and is truly one of a kind. Even so, the price for this work is competitive within the industry and affordable for most home owners' budgets. I have excellent references and appointments can made to see my completed projects in person. Go to www.piecesofenchantment.com to see more pictures. You can contact me at 505-916-1651 or by email at [email protected]. .


Avatar for AC Heating Plumbing

AC Heating Plumbing

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AC Heating Plumbing

No reviews yet
14 years of experience

We are a Total Mechanical Company that does what our name imply's for residential and commercial. If you have a project call us for free advice or trip charge to give you a bid at the job site or in you home. We will travel anywhere in NM to help you out on that remodel or new construction Design and build.

We are a Total Mechanical Company that does what our name imply's for residential and commercial. If you have a project call us for free advice or trip charge to give you a bid at the job site or in you home. We will travel anywhere in NM to help you out on that remodel or new construction Design and build.


Advance Concept Construction

3.88(
16
)

Advance Concept Construction

3.88(
16
)
26 years of experience

Advance Concept Group is your one stop shop for contractor services. We will get your project done on time and on budget. We have designers, engineers, and craftsmen and we are self-performing – no subcontractors and no hassles. We pass the savings on to you. We do projects of all sizes, from changing light bulbs and fixing cabinet drawers to complete building demolition and new construction! We are licensed in construction, plumbing, mechanical and electrical – we do it all. And we are bonded and insured and offer a warranty on most services provided. And we always provide a free estimate. Call us first, and it will be your last phone call! For just some of our services or all, we come to you. Evening and weekend appointments are available. Call us for a free estimate! 877-425-1254 or (505) 715-5481

Advance Concept Group is your one stop shop for contractor services. We will get your project done on time and on budget. We have designers, engineers, and craftsmen and we are self-performing – no subcontractors and no hassles. We pass the savings on to you. We do projects of all sizes, from changing light bulbs and fixing cabinet drawers to complete building demolition and new construction! We are licensed in construction, plumbing, mechanical and electrical – we do it all. And we are bonded and insured and offer a warranty on most services provided. And we always provide a free estimate. Call us first, and it will be your last phone call! For just some of our services or all, we come to you. Evening and weekend appointments are available. Call us for a free estimate! 877-425-1254 or (505) 715-5481


ASPEN CONSTRUCTION

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ASPEN CONSTRUCTION

No reviews yet
24 years of experience

Aspen Construction is a small company who offers professional and prompt services performed in a workmanlike manner. Our billing practices are discussed on a one-to-one basis with the customer requesting our services. We accept many forms of payment including VISA.

Aspen Construction is a small company who offers professional and prompt services performed in a workmanlike manner. Our billing practices are discussed on a one-to-one basis with the customer requesting our services. We accept many forms of payment including VISA.


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Chimney Inspection questions, answered by experts

Homeowners insurance typically does not cover knob and tube (K&T) wiring due to its outdated nature and associated fire risks. Many insurance companies require the replacement of K&T wiring to provide coverage. Policies that do cover homes with K&T wiring may come with higher premiums or specific conditions. It's important to check with your insurance provider for their requirements and coverage options.

It depends on the bank and the extent of the issue. Some banks will lend against homes with minor foundation damage, but most won’t if the issue is structural since the home acts as collateral for the mortgage. Banks that offer renovation loans might still finance a home with structural problems. More minor issues like settling cracks and intermittent problems with humidity are unlikely to stop a bank from financing.

Chimney leaks may be covered by homeowners insurance, but it depends on the cause and the type of homeowners insurance you have. For example, if your chimney starts leaking after sudden extreme weather (like a lightning strike or wind storm), your insurance is more likely to cover it. But if your chimney problems are due to normal wear and tear or a known issue that you didn’t fix, your insurer might not pay for it.

Annually, especially before the heating season, chimneys require an inspection to uphold conditions and maximize safety.

The time it takes to complete a pre-drywall inspection depends on the size of the home as well as the complexity of its build. Most take between one and three hours, but large custom homes or those with complicated HVAC, electrical, or plumbing systems take even longer. Your inspector will examine each room and each system in detail to make sure everything is properly installed and up to code.

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