Pine Tree Construction (PTC) is a family-owned and operated business for over 30 years in Utah and California. Our business is built upon honesty, integrity, and high-quality performance.
For more than 30 years, PTC has helped owners bring their building dreams into reality. We not only deliver superior construction quality, but we put our clients first with valued engineering ideas to save money and time. Throughout our 30 years of operation, we have always had one goal in mind, Customer Satisfaction.
We are a member of Better Business Bureau. Additionally, we are a certified contractor for 203(K) HUD program.
PTC has taken the time to build a solid foundation of expertise and knowledge that offers our clients a systematic and ground-up approach for any type and size of projects.
We are proud to offer financing to help our customers bring their dreams into reality by choosing a program that will meet their needs. We also accept credit cards and PayPal. By using these products; we can build your commercial project, your first home, build your
retirement nest, finish your basement, add a new bedroom and bathroom, or do an addition to help you with your growing family and many other renovations.
Building on a rich legacy of excellence and integrity, PTC will make your dreams and concepts a reality in a timely manner and affordably with outstanding customer satisfaction through each phase of building project…
You are ready to start your remodeling project and teas late your dreams into reality, but you need to find financing source.
There are number of options available options available, but one of them that is being used more now is FHA 203(k) program.
These loans allow you to simultaneously refinance the first mortgage and combine it with the improvement costs into a new mortgage. They also base the loan on the value of a home after improvements, rather than before. Because your house is worth more, your equity and the amount you can borrow are both greater. And you can hire a contractor to perform the work. The downside is that loan limits vary by county. The usual term is 30 years. 203(k) loans are becoming more attractive and have been offering good terms.
Benefits of Using an FHA Loan:
Flexible loan programs
Credit scores may qualify from 580 up
Low down payment options
Down payment can come from gift funds
15, 20, and 30 year fixed-rate mortgage options
No prepayment penalties
The 203k loan is a specialized renovation or construction loan, backed by the Federal Housing Administration. It is available to both buyers and refinancing households, and combines the traditional “home improvement” loan with a standard FHA mortgage, allowing homeowners to borrow their renovation and remodeling costs