Archive for the ‘Buyers’ Category

N.C. still a magnet luring newcomers

Sunday, January 16th, 2011

Triangle Business Journal – by Lee Weisbecker

Date: Wednesday, January 12, 2011, 10:46am EST

As a target for people relocating across state lines, North Carolina’s capital rose in 2010.

In fact, the state’s “in-migration rate” rose to third nationally last year, according to a new study by United Van Lines. North Carolina stood in 10th place in 2009.

The moving company, in its 34th consecutive survey, looked at 146,837 interstate household moves among the 48 contiguous states and Washington D.C.

It categorizes the states as “high inbound” (55 percent or more of the relocations moving into a state), “high outbound” (55 percent or more moves going out of a state) or “balanced.”

North Carolina fell into the high in-bound category with an in-migration rate of 57.8 percent.

The top destination, for the third year in a row, was Washington, DC, with an in-migration score of 64.3 percent.

North Carolina’s population has been growing at more than 9.7 percent, which is twice the national average, the survey remarks, adding: “This migration to the Tar Heel State has been aided by a combination of two things: a high quality of life and the growth of high-tech industries, including biotech, aerospace and information and communications technology.”

Home mortgage modification snags spark lawsuits

Monday, September 13th, 2010

Home mortgage modification snags spark lawsuits

9/12/2010

By Stephanie Armour, USA TODAY

Anthony and April Soper’s financial troubles were only starting last October when they applied for a mortgage adjustment through the Obama administration’s ome Affordable Modification Program.Bank of America, their mortgage servicer, put them on a HAMP trial payment plan in December that cut their monthly payment by more than half from almost $4,000 to about $1,826.

They say they made their reduced monthly payments early and did everything else that was asked of them. But they didn’t get a permanent modification, and they say they don’t know why.

Instead, according to a lawsuit they’ve brought against Bank of America, they are now more than $8,000 behind on a mortgage that had been current 12 months ago. Each of their credit scores has dropped by nearly 100 points. And, they allege, Bank of America has threatened them with foreclosure.

“We jumped through all their hoops, and they did nothing but cause us heartache,” says April, 41. Whether the Lake Stevens, Wash., couple keep their home may hinge on the outcome of a legal strategy  that aims to join struggling homeowners with similar experiences in the HAMP program in a class-action lawsuit against the nation’s largest bank. On Sept. 30 in Nashville, a federal court hearing is scheduled to consider consolidating the Sopers’ case with more than a dozen others against Bank of America.

Similar lawsuits, also seeking class-action status, are pending against other major servicers such as JPMorgan Chase and Wells Fargo.

Anthony and April Soper of Lake Stevens, Wash., went on a trial plan that cut their monthly payment. But they didn’t get a permanent modification, and they say they don’t know why. Now, they’re suing Bank of America, their mortgage servicer. BofA is seeking a dismissal of the case.

AMP borrowers and HAMP’s modest results. Permanent modifications, which lower mortgage payments to 31% of a borrower’s pretax monthly income for five years, have been given to only about a third of the 1.3 million borrowers in trial plans since the program’s launch in April 2009.

Most of the lawsuits allege that the three- or four-month trial payment plans are contracts, and that Bank of America and other servicers broke them by not giving permanent modifications to homeowners who made their trial payments on time and provided the necessary documentation.

Servicers have asked courts to dismiss some of the cases, saying the trial plans are not contracts. Bank of America, which says it plans to seek dismissal of the Soper case, argues in a court filing in a similar case that it must consider borrowers for a HAMP modification, but that it has discretion in granting permanent modifications.

The bank also argues that homeowners have no case because courts have dismissed earlier HAMP-related lawsuits against mortgage servicers. Those cases claimed that in denying some homeowners modifications, the servicers had breached the contracts they made with the Treasury Department when they agreed to participate in HAMP. Courts said homeowners could not sue on those grounds because they weren’t parties to the contracts between the government and the servicers.

Lawyers for homeowners say they are now making a different legal argument: that Bank of America and others broke contracts made directly with homeowners.

“Borrowers have said we should be able to enforce the contract between Treasury and mortgage servicers, and many courts have rejected that. Our cases are the first filed that touch on a contract between servicers and borrowers,” says Kevin Costello, a lawyer with Roddy Klein & Ryan in Boston, which represents homeowners in cases against Bank of America, JPMorgan Chase and Wells Fargo.

“This litigation is spreading all across the country. People have been relying on a promise all along, and then they get a denial. Then they find themselves in that much worse of a hole,” he says.

Many homeowners could be affected: Nearly 620,000 trial modifications since spring 2009 have been canceled, according to an Aug. 20 Treasury report.

Chronicles of delays The lawsuits allege servicers are purposely denying permanent modifications and keeping loans in default so lenders can profit from heftier late fees and other charges. Court filings provide detailed chronologies of borrowers who allege that over periods of months, they repeatedly sent banks
requested documents that the banks said they didn’t receive, made inquiries that went unanswered, and received promises of help that were later contradicted or denied by other representatives.

“Bank of America has serially strung out, delayed, and otherwise hindered the modification processes that it contractually undertook to facilitate when it accepted” billions of dollars in government bailout funds in 2008, the Sopers’ complaint alleges.

By failing to live up to its obligations, according to the court filing, “Bank of America has left thousands of borrowers in a state of limbo — often worse off than they were before they sought a modification from Bank of America.”

The Sopers’ complaint alleges that Bank of America customer service representatives are instructed to mislead homeowners who call to inquire about loan modifications they’ve applied for. The complaint, citing information provided by unnamed former employees, says “representatives regularly inform homeowners that modification documents were not received on time or not received at all when, in fact, all documents have been received.”

When homeowners are denied permanent modifications, even those who were current before going on reduced-payment trials are considered in default, and servicers tell them they must immediately pay the difference between their trial payments and their higher former payments to avoid foreclosure, according to the Sopers’ complaint and others.

Borrowers’ mortgage debt in default rises further the longer they stay in trial plans.By making trial payments during and after the plan’s scheduled end, the Sopers’ complaint alleges, they “forgo other remedies that might be pursued to save their homes” such as restructuring their debt by filing for bankruptcy, or pursuing other ways to deal with their default, such as selling their homes.

Foreclosure proceedings have started against some borrowers while they were on trial plans, violating a Treasury directive, according to the lawsuits. Homeowners’ credit scores have also been damaged when servicers cancel trial plans, then report the amounts in default to credit bureaus.

Some court filings claim bank employees have demanded upfront fees to start consideration of a modification — in violation of HAMP rules — or told homeowners to stop paying mortgages in order to start a trial modification. The Sopers’ complaint alleges an unnamed homeowner was illegally asked to pay $1,400 upfront to Bank of America to be considered for a modification.
In another case, Alex Lam of New York alleges he was told he could only be considered for a HAMP trial modification if he stopped paying his mortgage for several months, according to a lawsuit filed in U.S. District Court in Brooklyn against JPMorgan. He skipped two months of payments in 2009 and says he was denied a permanent modification. JPMorgan declined to comment.

Homeowners’ lawyers say there is no effective way to appeal mortgage servicers’ decisions because Treasury has no ability to overturn a decision.

Watchdogs’ criticisms Government watchdogs, too, have raised similar criticisms about the HAMP program, as well as about servicers’ performance and Treasury’s oversight.

The Congressional Oversight Panel, which oversees the government fund that pays for HAMP, said in an April report it “is deeply concerned about the unacceptable quality of the denial and cancellation reasons, and strongly urges Treasury to take swift action.”

A Government Accountability Office report in June found servicers were erroneously denying permanent modifications to some homeowners because servicers were inaccurately applying a formula used to determine if the value of modifying the mortgage was greater than the proceeds from foreclosing. The number of homeowners who had been wrongly denied could “range from a handful to thousands.”

When errors have been found, Treasury says, it has made servicers go back and fix problems, and re-do their work as a check on their decision-making. It also says that 45% of those who started trials but were ineligible for permanent adjustments received an alternative modification through their servicer. Fewer than 2% have gone to foreclosure sale, according to Treasury.

Some homeowners say they’ve already lost their homes to foreclosure because a permanent HAMP modification was denied to them. Wells Fargo approved her for a trial HAMP modification, which lowered her payments starting in December 2009, according to court filings in U.S. District Court in Massachusetts. Voltaire is a co-
plaintiff in the case.

But after making regular payments, Voltaire was told in May that she was being taken out of the HAMP program and was $40,000 in default, the lawsuit alleges. After she protested, Wells Fargo agreed to reconsider her for a HAMP modification, according to the complaint, but in July, the bank took possession of the home.

“I was literally crying my eyes out,” Voltaire says. “I put everything I have into this house, into getting my kids out of the projects. That’s the part that really hurts. My kids could look at me like I failed.”

Wells Fargo agreed not to sell her house pending further court action. Voltaire is still staying there and making her trial plan payments.

In its motion to dismiss the lawsuit brought by Voltaire and others, Wells Fargo said the plaintiffs have not adequately shown that their trial modifications were contracts to enter into permanent modifications. It says homeowners benefited from being able to make reduced monthly payments while staying in their homes.

Treasury Department officials say homeowners in HAMP trial plans are not promised permanent modifications.

But the Soper lawsuit and others quote language from some trial plan agreements that states: “If I am in compliance with this trial period plan and my representations … continue to be true in all material respects, then the servicer will provide me with a Home Affordable Modification Agreement … that would amend and supplement the mortgage on the property, and the note secured by the mortgage.”

“They get a letter from the bank that says, ‘If I comply, I’m entitled to a HAMP modification.’ That’s a contract. The bank has not performed under the contract,” says Steve Berman, a lawyer with Hagens Berman Sobol and Shapiro in Seattle, who represents the Sopers and other homeowners in HAMP cases.

Evolving rules

The Obama administration’s rapid launch of HAMP and its changing guidelines since then may have contributed to the program’s administrative confusion. When HAMP began in 2009, servicers enrolled borrowers in trial modifications without verifying income or financial hardship. That brought immediate financial relief to more people, but ineligible homeowners were not weeded out until they completed trial plans. In June, the government began requiring participating servicers to verify applicants’ income and financial hardship before starting trials. Treasury says that has improved the rate of conversions to permanent modifications.

“The HAMP program was an unprecedented response to an enormous crisis in this country’s housing market. The administration needed to act quickly.” says Phyllis Caldwell, Treasury’s chief of the homeownership preservation office.Meanwhile, the number of homeowners claiming improper denials of HAMP modifications is climbing.One is Peter Salinas, 52, who struggled to pay his mortgage after the economy collapsed and his wife developed cancer. He appealed to his lender for help.

Salinas says he felt elated last year when he received a HAMP trial modification slashing $500 off his monthly payments. But later, he was told he made too much money to qualify for permanently reduced payments, he says. Wells Fargo threatened foreclosure if he didn’t pay $9,000, the difference

between his original mortgage and what he paid during the trial.His servicer, Wells Fargo, declined to comment on his situation. Salinas is working with Gulfcoast Legal Services, a not-for-profit civil legal aid office, that says it is preparing a lawsuit against the lender.

“I was convinced I was doing everything right,” says Salinas, a reporter for an automotive trade publication who lives near Bradenton, Fla. “I wasn’t trying to walk away from this mortgage. It’s just infuriating.”

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Federal foreclosure prevention program is struggling

Saturday, August 21st, 2010

Under the main Obama administration program to ease foreclosures, fewer than 37,000 homeowners received permanently lowered mortgage payments in July. Modification cancellations are up.

By Jim Puzzanghera, Los Angeles Times

August 21, 2010

Reporting from Washington

Just as the housing market recovery has stalled, so has the Obama administration’s main program to ease home foreclosures.

Only 36,695 homeowners received permanently lowered mortgage payments in July through the much-criticized Home Affordable Modification Program, the smallest increase since December, administration officials said Friday.

And the number of people dropping out of the program continued to soar. Overall, nearly half the homeowners who entered the program since it launched in March of last year have dropped out.

Many had hoped the $75-billion program would be a silver bullet to the foreclosure problem, but it’s turned out to be a dud, said independent banking analyst Bert Ely. That’s not surprising, he said, given the depth of the housing market crash and recession, combined with a slow recovery.

“Even with a substantial reduction in mortgage payment and even some reduction in principal, you still have people who are over their head financially because of their reduced financial circumstances,” Ely said. “Isn’t it time to just rethink this whole business of modification … and let the market clear through foreclosures and short sales?”

The Los Angeles-Orange County area continued to have the most active trial and permanent modifications under the program, with 44,617 total modifications in July, or 6.6% of the national total. But that was down from 48,846 total modifications in June.

The Inland Empire was third nationwide, with 35,169 total modifications in July, or 5.2% of the total.

So far, 434,716 homeowners nationwide have received permanent modifications since the program began last year. The pace had picked up significantly starting in December after administration officials began pressuring mortgage servicers to convert more three-month trials under the program into permanent modifications.

The number of permanent modifications nearly tripled from January to May. Even in June, the administration reported that more than 50,000 new permanently modified mortgages were added.

July’s slowdown in the program’s growth comes amid a struggling real estate market.

During the second quarter of the year, there were a record 269,952 home foreclosures, up 38% from the same period a year earlier, according to Irvine research firm RealtyTrac. Last month, Southern California home sales plunged 21.4% compared with a year earlier, according to research firm MDA DataQuick of San Diego.

“While there has been some stabilization in the housing market, it remains clear that we have more work ahead,” said Raphael Bostic, an assistant secretary at the Department of Housing and Urban Development.

The Obama administration program provides cash incentives to servicers to modify mortgages. Homeowners who qualify first get a three-month trial modification with lower payments. If they make those payments, the modification can be made permanent. Only at that point does the servicer get the incentive payment.

The administration’s stated goal was to modify 3 million to 4 million mortgages through 2012.

The pace of new, temporary mortgage modifications under the program slowed in July, increasing just 1.3% to 1.3 million. Overall, about 47% of trial modifications started since the program began have been canceled. In addition, 12,912 permanent modifications have been canceled, mostly because the homeowner missed at least three straight payments.

Increasing numbers of cancellations were the latest problem for the administration’s modification program, which has been plagued by complaints from homeowners of bureaucratic runarounds by servicers, including lost paperwork and unreturned phone calls.

Herbert M. Allison Jr., the Treasury Department’s assistant secretary for financial stability, said the administration expected cancellations to continue as mortgage servicers work through earlier modifications that were made without documentation. Those stated-income modifications were needed last year because so many people were in need of quick foreclosure assistance, he said.

Many of the homeowners who got those early modifications under the program were removed because it turned out they “did not meet the qualifications for various reasons, such as income levels or the fact that they were not in the home itself,” Allison said.

But many of those who were canceled out of the program have been helped by modifications made outside of the Obama administration program.

For the eight largest mortgage servicers, including Bank of America, CitiMortgage and Wells Fargo Bank, 45% of homeowners whose trial modifications were cancelled received an alternative modification. Wells Fargo reported Friday that 87% of the 520,399 active modifications it had done from Jan. 1 to July 31 were through its own programs.

Administration officials said the housing market had stabilized significantly since Obama took office in January 2009, and stressed that homeowners with permanent modifications had a median payment reduction of 36%, or more than $500 a month.

But Bostic said administration officials are not “in happy land” and that the market was not yet “out of the woods.”

Ely said one flaw with the administration’s modification program is that it does not adequately take into account all the other debts faced by homeowners.

“There’s been this hype that you could wave a magic wand, change a few things [with the mortgage payment] and everything would be hunky-dory,” Ely said. “It’s not playing out this way.”

jim.puzzanghera@latimes.com

Copyright © 2010, Los Angeles Times

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Optimism In New Charlotte Home Building

Friday, June 4th, 2010

05/26/2010…3:56 PM

A cause for cautious optimism in home building

By Sam Boykin

Ask a Charlotte home builder or contractor about the state of the market, and you’ll probably hear the words “cautiously optimistic.” It’s a generic catchphrase that doesn’t mean a whole lot, but it’s a lot better than the words they were using this time last year — most of which we can’t print anyway.

And there does seem to be cause for some optimism. According to Jim Bartl, director of code enforcement for Mecklenburg County, the number of building permits issued for single-family detached homes is starting to creep back up.

Bartl said 773 permits were issued from January 1 to April 30 this year, compared to 443 during the corresponding time period in 2009. For the fiscal year to date (from July 1, 2009, to April 30, 2010) 1,844 permits were issued, while the corresponding period in the previous  fiscal year saw 1,479 permits issued.

Bartl said he expects a 25 percent increase in permits issued by the end of the year compared to 2009, but that the numbers are still substantially lower compared to when real estate was booming a few years ago, such as in 2007, when nearly 8,700 permits were issued.

Things are certainly looking up for Bill Saint, president of Simonini Builders Inc.  He said that compared to last year, the company’s home sales from January 1 to May 19 are up more than 120 percent, with 20 homes sold to date.

“We’ve started 23 homes this year, as compared to only two during the same time in 2009,” he said.

Simonini Builders is working in three new neighborhoods. At the gated community Bellmore Hall in south Charlotte, the company is building three homes starting in the low $600s. At Ashton, also in south Charlotte, work is underway on four homes priced in the high $500s. And north of Charlotte at The Preserve at Robbins Park near Lake Norman, Simonini is building five homes with prices starting in the $500s.

The recent uptick in the residential home building market also benefits contractors like Doug Doggett, CEO at Charlotte-based Doggett Concrete Construction Co.

Doggett is working with Simonini at all three of its new projects, and is also working with other builders on multi-family projects in Columbia, Raleigh and Rock Hill.

“It’s not back to 2007 levels, but things are picking back up,” he said. “I feel a lot more optimistic.”

Doggett is also CEO of MoistureLoc Inc., and does waterproofing for builders including Ryan Homes. He has 96 employees between the two companies, down from 202 a few years ago, he said. And while more work is starting to trickle in, he said he’s being cautious about putting people back to work.

“There’s a lot of quality guys out there, so we’re being much more selective about who we hire,” Doggett said. “And in some cases I’m using subcontractors or temporary labor so I don’t overstaff myself too quickly.”

And surprisingly, Doggett said he oftentimes has a hard time finding qualified workers because of extended unemployment benefits.

“It’s created a negative impact on people coming back to work in the construction industry,” he said. “If a guy can stay at home and get $350 a week in unemployment, and supplement that with a few odd jobs, he’s not likely to come back to work for $10 to $12 an hour.

“I’ve contacted guys who I knew were unemployed, and they just won’t call us back.”

Richard Platt, president of Charlotte-based G & G Landscape & Irrigation Inc. is also working with Simonini on its new projects. Platt said he stayed busy for most of 2009, because a lot of his projects involved working on homes that were started in 2008. But by the end of the year the recession caught up with him, and there was a noticeable drop in jobs from November to February.

“But now things are picking up again,” he said. “It feels like there’s some momentum in the market again, and that really puts the air back into your sails.”

Rob Gislason, David Weekly Homes’ division president, also said he believes the home market is starting to turn around.

“This year is very different for us,” he said. “Last year all we were doing was closing out projects, this year we are actively seeking and starting new projects.”

The new projects, all scheduled to start in June, include Carrington Ridge in Huntersville, with homes in starting in the $180s. Also in the works is the Springfield neighborhood in Fort Mill, where the company has an option to build on 20 lots with homes starting in the $300s, and finally Hawthorne in Harrisburg, where Weekly has 104 lots with plans to build homes starting the $220s.

Mattamy Homes also has several new projects on the horizon. This month it contracted to acquire 157 single-family home sites at Waterlynn in Mooresville. Division president Bill Kiselick said the 1,800- to 2,600-square-foot homes will be priced from the low $200s. Construction is set to start in June. Other projects scheduled to start this summer include Hubbard Falls in Charlotte, Mountain Laurel in Concord, Skybrook in Huntersville, and South Point Village in Belmont.

“Although times are still tough relative to 2007, things are improving,” said Kiselick. “Last year we didn’t do any new construction. We were in a holding pattern. But I think we’ve hit bottom, and we’re well positioned for when the economy starts to recover.”

Contractor Scott Ginn, president of Charlotte-based Southend Exteriors, said his business has doubled this year compared to 2009. In addition to working on all of Mattamy’s communities, Ginn said he has jobs lined up with about eight other home builders at dozens of new communities throughout Charlotte.

“I’m just glad 2009 is over,” he said.

Courtsey of Mecklenburg Times

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Link to the US HUD website

Thursday, June 3rd, 2010

Here is the link to the US HUD government website.

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Court puts property seizure plan on ice

Tuesday, May 18th, 2010

Court puts property seizure plan on ice
By Tara-Nicholle Nelson Wed, May 12 2010

Law of the Land

Tara-Nicholle Nelson
Inman News

In the case United States v. Queri, the federal government indicted Joseph Queri on charges of mail fraud, wire fraud, securities fraud and money laundering, among other things. The indictment included a forfeiture allegation, seeking to have Queri turn over to the government any property that could be traced to the alleged crimes.

If property directly linked to the crimes was unavailable, the indictment specifies that an apartment complex owned by an LLC in which Queri was an 80 percent member would be forfeited as a substitute.

The United States recorded a lis pendens — a notice of pending action — against the apartment complex, The Bradford, the day after the indictment came down. The lis pendens prevented the LLC from refinancing or renegotiating a mortgage loan secured by The Bradford, causing the mortgage to become past due.

Queri filed a motion for the U.S. District Court for the Northern District of New York to order the U.S. government to remove or cancel the lis pendens, so that the mortgage on the Bradford could be renegotiated.

Queri’s motion was granted, and the court ordered the government to remove the lis pendens.

In argument on the motion, the government acknowledged “that federal law does not expressly authorize the filing of a notice of lis pendens on potential substitute property.” Citing United States v. Gotti, 155 F.3d 144, 149 (2d Cir. 1998), the court explained that the law authorizes the government to place a pretrial restraint to ensure that property directly connected to the charged offenses is preserved, but may not place pretrial restraints on substitute property.

In Gotti, the pretrial restraint the government was not allowed to place on substitute property was a restraining order prohibiting the sale of the property; in this case, the restraint the government sought was a lis pendens.

Following the rationale of a similar opinion issued by the Southern District of New York Court, the court ruled that there was virtually no difference between a lis pendens and a restraining order against the sale of the property in this case, because a lis pendens recorded by the U.S. government would in effect prevent the property from being transferred, realistically speaking.

The court rejected the government’s argument that the lis pendens on Queri’s substitute property was authorized by sections 6501 and 1343 of the New York Civil Practice Law and Rules, both of which “provide that such notices may only be filed in any action ‘in which the judgment demanded would affect the title to, or the possession, use or enjoyment of real property …’ ” The judgment sought by the indictment against Queri, explained the court, is Queri’s conviction — which affects only the title and possession of property connected to that offense, not substitute property.

Additionally, the government neither alleged nor provided evidence that Queri’s interest in The Bradford was acquired using assets he obtained by committing the crimes with which he was charged, as required for The Bradford to be forfeited as substitute property.

Accordingly, the court ruled, until the government satisfies the elements required to establish its right to forfeit Queri’s substitute property, the government is prohibited from recording a lis pendens against The Bradford. Queri’s motion was granted and the lis pendens was ordered to be lifted.

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Home Prices Gain in 91 U.S. Cities in First Quarter

Tuesday, May 11th, 2010

Home Prices Gain in 91 U.S. Cities in First Quarter
May 11, 2010, 12:00 PM EDT

By Kathleen M. Howley

May 11 (Bloomberg) — Home prices rose in 91 U.S. cities in the first quarter as states hard hit by foreclosures began to recover and a tax credit cut the number of properties for sale.

The median price of a single-family home sold in Saginaw, Michigan, doubled to $60,800, the Chicago-based National Association of Realtors said in a report today. Prices in Akron, Ohio, climbed 90 percent to $95,300 and Grand Rapids, Michigan, recorded a 26 percent increase to $90,700. Nationally, the median declined 0.7 percent.

Cities that led the nation in foreclosures a year earlier had the biggest price increases as a tax credit of as much as $8,000 boosted demand and drove the supply of unsold homes to a four-year low in January, according to Lawrence Yun, chief economist for the Realtors’ group. Brian Bethune, chief U.S. financial economist for IHS Global Insight, said an improving job market should sustain the fledgling rebound in real estate.

“In the second half of the year, employment growth and an improving economic situation should keep the housing recovery on track,” Bethune said in a telephone interview from his Lexington, Massachusetts, office.

Today’s report showed the recovery accelerating from the fourth quarter when 67 metropolitan areas reported price gains.

Peak to Trough

The U.S. median home price tumbled 29 percent over three and a half years as defaults among subprime borrowers flooded the housing market with cheaply priced foreclosures and Wall Street piled up $1.78 trillion in losses and asset writedowns.

The median prices of an existing U.S. home peaked at $230,300 in July of 2006 and hit a low of $164,600 in February, according to NAR data. The drop was 13 percent in 2009, outpacing 2008’s 9.5 percent decline.

This year, prices may increase 2.5 percent as the economy improves, according to the Realtors’ forecast.

The median price of a single-family home in the New York metropolitan area rose 1.8 percent to $380,400 in the three months ended March 31. The areas surrounding New Haven and Milford, Connecticut, gained 5.3 percent to $227,900.

The Edison, New Jersey, region had a 1.5 percent gain in the median price; and Hartford, Connecticut, posted a 1.6 percent increase to $225,900. Prices in the Boston metropolitan area increased 11 percent to $321,800.

Transactions Fall

In a separate report, NAR said U.S. sales dropped 14 percent in the first quarter from the prior period, mostly because buyers rushed to purchase homes in the fourth quarter when the tax credit for purchases was originally set to expire.

Congress ultimately extended and expanded the credit for purchase contracts signed by April 30.

South Dakota led the nationwide sales decline with transactions falling 33 percent in the first quarter. Sales in Pennsylvania and Idaho dropped 28 percent. Connecticut transactions decreased almost 15 percent and New York sales were down 9.4 percent, NAR said.

Nationally, home sales probably will rise 4.3 percent to 5.38 million this year and gain 5.1 percent to 5.66 million in 2011, according to a forecast posted on NAR’s website. In 2009, sales climbed for the first time in four years to 5.16 million.

To talk about the market call me today at (704)840-4137.

courtsey of Bloomberg.net

Funny Video For Planet Green On Going Green

Tuesday, May 11th, 2010

Glossary Terms and Information for Buying & Building Green

Tuesday, May 11th, 2010

Advanced framing techniques — Also called optimum value engineering (OVE), it is a methodology of construction designed to conserve construction materials by using alternate framing methods. Concepts include 19.2-24″ framing centers, modular layout, single top plates, individually sized (right-sized) headers or no headers or double rim joists in lieu of headers, framing ladders at T-intersections and open corner framing. Some methods may not work in engineered structures, but many will. The overall savings in framing materials and associated costs can be significant. An excellent website at Toolbase describes the concept in detail.

AFUE — Annual fuel utilization efficiency. The higher the percentage, the greater the efficiency of the appliance. Standard efficiencies run in the mid 70-percent range. Higher efficiency furnaces run between 82 percent and 90+ percent AFUE.

ASHRAE — American Society of Heating, Refrigeration and Air Conditioning Engineers writes many of the standards for installation of these systems.

Alternative fuel vehicle — Vehicles that utilize fuel other than gasoline or diesel fuels. Vehicles may be electric, LPG, natural gas, bio-diesel or a hybrid of these fuels.

Brownfield — Abandoned, idle or underused industrial or commercial buildings where expansion or development is complicated by real or perceived environmental contamination.

Certified WoodSee FSC-certified wood

Conditioned Space — The part of a building where temperatures are controlled through heating or cooling.

Cool Roof — Specialized roofing materials designed to reflect the heat of the sun away from the building, thus reducing the cooling load and associated air conditioning costs. There are various manufacturers of cool roofs.

Dual flush toilet — These toilets have two different settings, usually 0.8 gallons for liquid removal and 1.6 gallons for full flush solid removal. On the average they use about 2,500 gallons per year, compared to a 1.6 single flush that uses about 4,500 gallons per year.

Earthen flooring — Earth that has been compacted with straw or other fibers and conditioned with various oils to form a hard surface. Fairly labor intensive, but relatively easy to repair and usually very low bodied energy and inexpensive materials.

EER —See SEER.

Energy heel truss — An engineered roofing truss with an elevated portion at the wall plate line to provide for full-depth insulation.

Energy Star — Introduced in 1992 by the U.S. Environmental Protection Agency (EPA) as a voluntary labeling program to identify and promote energy-efficient products to help reduce greenhouse emissions. Originally designed for computers and monitors, it has now expanded to include office products, major appliances, lighting, home electronics and more. New expanded programs now also include complete buildings such as homes, commercial and industrial buildings.

Engineered lumber — Designed to reduce the amount of material needed for framing a building. By designing away from full dimension sawn lumber, fewer large-growth trees need to be cut, and smaller dimension lumber can be assembled in various configurations to span long distances with equal or superior strength. Trusses have always been a good example of engineered lumber by using smaller dimension lumber and distributing forces more efficiently; the materials needed are a fraction of that required to span the same distances with sawn lumber.

Engineered studs — A little different from engineered lumber, usually smaller diameter stock is shredded and reassembled by forming them into nominal-sized framing materials. The material is combined with a binder and compressed into large billets that are then cut to dimensional size. Similar products have been around for many years in the form of oriented strand board (OSB) and other laminated wood beam products. An advantage of engineered studs is that they are dimensionally stable and less susceptible to warping. These studs are considerably heavier than sawn wood, cost about twice as much and may be subject to water damage.

Finger-jointed studs — Often the lumber being cut today is a shadow of the old-growth lumber of yesterday in quality, density and overall suitability for construction. However, by conserving the shorter sections of lumber and removing the undesirable wane and knots, these sections can be fitted with special splicing techniques to form longer and more dimensionally stable lumber. The application is usually limited to vertical installation because of this splicing technique.

Flow reducer — A device attached either just downstream from the water shutoff valve to a building or at the outlet of a fixture designed to reduce or limit the amount of water flow in relation to the delivery pressure from the street. Flow reducers can cut the flow of water dramatically, saving thousands of gallons each year in a dwelling or even more in larger buildings. Flow reducers are never installed on automatic fire extinguishing systems for obvious reasons.

Flyash — A byproduct of a coal burning furnace, usually from power generation equipment. Consisting mostly of silica, alumina and iron, these fine, glass-like particles, when mixed with lime and water, form a cementitious material similar to Portland cement. The cement produced is hard, smooth and easily worked. Other uses include fills for abandoned coal mines, sealing liners for hazardous waste sites and seaside docking areas.

FSC-certified wood — The Forest Stewardship Council is a non-profit organization that certifies various forests around the world exhibiting good sustainability and management practices based on a specific management criteria. The wood from these forests is often quickly renewable using hybrid timber and advanced forestry methods. Other forests are simply carefully managed by limiting the impact on both the environment and the people and demonstrating a social benefit in the process.

Granny flat — Another name for an accessory dwelling unit. Granny flats are usually attached to the main dwelling unit, but may also be detached. City regulations limit the number and size of these units.

Greywater — Waste water from lavatories, showers, baths and sinks only. This water can be stored in special equipment and may then be used to water lawns, gardens or other relatively benign non-potable uses such as groundwater recharge. Water from toilets is called black water; it must be properly drained to the sewer or septic system.

Green power — Generally this is the production of electricity from environmentally friendly sources such as photovoltaic, geothermal, hydroelectric, biomass, hydrogen fuel cells, ocean energy and wind power. As with all forms of electricity generation, there are significant costs involved and in some cases undesirable byproducts such as vane noise, unsightly appearance or diversion of wild waterways. While large-scale versions of these methods are not practical within an urban environment, many homes and businesses are taking advantage of solar systems that not only make electricity but also heat water and interior environments. In the future if clean-fusion-process electrical production can be developed, the use of fossil fuel generation can be greatly reduced or eliminated. Another advantage of green power is the reduction of carbon dioxide generation.

Green roof — A growing roof system using a specialized undercarriage for the waterproof membrane and excess water removal. Various types of vegetation in a special growing medium help to replace displaced vegetation in the building footprint as well as greatly reduce the heat-island effect of a roof, especially in hot climates. Depending on the species of plants chosen, significant increases in watering requirements may be required. On the other hand, on large walkable roofs, pleasing garden atmospheres can be created, and watering requirements can be reduced by the installation of stormwater-recovery systems. Green roofs can also regulate the flow of excessive stormwater by metering the release of the water from the roof area.

Heat-island effect — As cities replace natural landscaping with streets, buildings and other infrastructure, the average ambient temperatures within these areas begin to rise, as much as 10 degrees F higher than in less developed rural areas. This increases the need for cooling energy; can exacerbate pollution problems; and may contribute to the problem of global warming. Heat islands can be effectively reduced by shading streets with trees and improving the urban forest overall. Ironically, heat islands can be beneficial in cold climates in the winter by reducing heating demands; however, the overall effect is much more on the negative side.

HVAC — The acronym for heating, ventilation and air conditioning.

Hydronic radiant heating — A system of heating a building by using a central boiler or hot water heater to distribute heat through a system of tubes just under the flooring surface. A single heater may be zoned to provide independent heat to different parts of a building as needed. The heating system is efficient and provides a comfortable conditioned room.

IAQIndoor air quality. As buildings become tighter, indoor air quality suffers unless specific measures are taken to improve the exchange of fresh air without sacrificing heating/cooling economy.

Infiltration — The entrance of exterior unconditioned air through various means into a building. Under the older codes, a dwelling generally had the equivalent of a 4-foot-diameter hole in infiltration leakage. While newer buildings greatly improve this leakage, other problems such as poor indoor air quality and transpiration of moisture to internal stud bays now occurs and must be remedied with such items as air-to-air exchangers and specialized waterproofing techniques.

Insulated concrete form (ICF) — Expanded polystyrene foam (EPS), high-density polyethylene (HDPE), polyvinyl chloride (PVC) or polycarbonate (PC) is cast or injection-molded in various panel shapes and become the permanent forming method for reinforced concrete walls. These highly insulated forms have various thermal resistance values (R-values) ranging from about R-22 up to about R-40. In hot or cold climates, these forms can significantly reduce heating and cooling loads. The panels are usually pre-engineered and produce a fire resistive barrier up to 4-hour rated.

LEED — Leadership in Energy and Environmental Design. The LEED program was developed by the U.S. Green Building Council as a system for rating new and existing commercial, institutional and residential buildings. It evaluates the overall environmental performance during the lifecycle of a building and provides a tangible methodology for analyzing the standards of a green building.

Light pollution — Light pollution comes from many sources, but generally from unshielded lighting that allows light on a site to escape. Shielding cannot effectively reduce some lighting, such as parking-lot or street lights that reflect off structures and bounce light away from the site. However, simple hooding of the “naked” light source directing the light to the ground or limiting its outward influence can significantly reduce light pollution.

Manufactured locally — Refers to products that are manufactured within a relatively short distance from the job site. Depending on who is making the definition, this can be within 100 to 1,000 miles. The main intent is to be cognizant of long-distance shipping and the energy expended and pollution created to move a product from greater
distances.

MDF — medium density fiberboard. An engineered panel product that can be used for such things as cabinets and wall panels, while other MDF products can be shaped into moldings, ceiling tiles, flooring, interior doors and a variety of other uses. Exterior grades of MDF can be made into garage doors, sheds and other outdoor applications. A middle grade called “moisture resistant MDF” can be used externally but must be protected from water intrusion by sheltering.

OSB — oriented strand board. A manufactured wood structural panel generally cut to the size of standard plywood sheets and in various thicknesses. It is made by chipping very specific species of wood from smaller growth trees and “orienting” the grain of these chips into a pattern that provides optimum strength in the panel. The chips are then saturated with glue and pressed into production sizes.

Ozone depletion — Destruction of the earth’s ozone layer by the photolytic breakdown of chlorine and/or bromine containing compounds (chlorofluorocarbons or CFCs) which catalytically decompose ozone molecules. Commonly used as refrigerants, CFCs have been found to damage the stratospheric ozone layer, creating holes and allowing harmful ultraviolet radiation to leak through.

Permeable paving — Pavement that allows the passage of water into the ground. There is a variety of permeable pavement method, including spaced pavers with soil infills and newer specialized asphalt and concrete applications that actually allow rainwater to pass through the surface and help to keep the water table from being depleted.

Photovoltaic panel — Either roof- or ground-mounted to collect solar energy and, through the use of special solar voltaic cells, convert the energy to direct current electricity. A special controller converts this electricity to alternating current, making it usable in most residential and commercial applications. Electricity made in this fashion can be stored in batteries for later use; consumed as it is made to help offset the overall electrical use of a building; or placed into the commercial electrical grid for use in other locations. These panels only work when there is light, but surprisingly produce electricity even on cloudy days.

Pressed earthen block — Like adobe, pressed (or compressed) earthen block is made from a mixture of soil and aggregate with no chemical additives. Often machine manufactured at the construction site. Because there is relatively no quality-control routine compared with other types of manufactured block, its use may be limited, especially in high seismic zones. Careful engineering will be required to use this material in structural applications.

Radiant barrier roof sheathing — Usually a foil-faced plywood, manufactured with proprietary methods and used as the roof sheathing under the roofing material itself. The reflective surface of the material actually reflects heat away from the roof back through the shingles without significantly increasing the thermal load on the material (usually only 2 to 5 degrees). Other methods are rolled materials that are applied after the regular plywood or OSB sheathing. Both materials can reduce attic and subsequent living area cooling loads significantly. Some manufacturers claim up to 97 percent effectiveness.

Rammed earth — A soil-cement mixture that is rammed into forms to created walls that are generally 18 to 24 inches thick. The screened soil is usually engineered to assure the correct clay-to-sand ratio and is mixed with about 3 percent cement; sprinkled with water to provide cohesion; and compacted in 5- or 6-inch lifts to a relative density of around 120 to 130 pounds per cubic foot. Often concrete tie beams are incorporated to help stabilize the lateral strength of the material. The material is relatively labor-intensive and the cost of a rammed earth house can be significant.

RastraRastra is a commercially manufactured insulated concrete form (ICF). It is manufactured from recycled, post-consumer plastics and, according to the manufacturer, offers the structural strength of concrete paired with high insulation values, sound attenuation and fire resistance.

Reclaimed lumber — Lumber reclaimed by “deconstruction” of a building or structure. This lumber can be used for non-structural applications such as paneling and flooring and, if re-graded, can be used in structural applications. Major advantages include usually higher quality surface characteristics (it often came from tight-grained old-growth lumber), less cost than new lumber and reduction in landfill wastes (although it can easily be mulched). Major disadvantages are that it is fairly labor-intensive to clean up and, after many years of drying, is often very hard to nail. It may need to be predrilled, increasing installation cost.

Recycled-content aggregate — Crushed and reused concrete salvaged from demolition projects. Some can be introduced as a percentage of the aggregate in new concrete, while some can be used for roadbed underlayment. The actual use of the product is limited to imagination and the structural requirements of the project. Use of the material also reduces the amount of new aggregate that must be mined from quarries and the associated environmental concerns associated with the operation.

Recycled-content material — Products manufactured using post-consumer materials such as plastic, fiber, wood and glass. Deconstruction of various structures can also produce a variety of “raw” materials to create new products from — everything from tiles to carpeting to composite flooring materials and beyond. Recycled-content materials help to reduce the need for new raw materials and the accumulation and manufacturing processes involved.

Recycled-content steel studs — Most new light-gauge metal studs are manufactured from a combination of new and recycled steel. About 66 percent of the total make-up is recycled content. Considering that the production of new steel is one of the highest embodied energy manufacturing processes, the use of recycled steel not only redirects a virtually ever-reusable resource, but can reduce significantly the impact on other environmental concerns. The use of light-gauge metal studs on interior infill and demising walls lessens the amount of wood studs needed for construction. However, more specialized skills are needed to install the material properly.

Roofing materials, safe and durable — This can have a variety of definitions depending on one’s point of view, but essentially these are roofing systems designed to last a significantly longer time to delay having to remove them and sending them to the landfill. Modern fiberglass roofing materials now carry warranties between 20 and 40 years. Of course slate, concrete and fired clay tiles can last significantly longer. Additionally, a safe roof generally refers to a fire-safe roof.

SEER (or EER) — The energy efficiency at which air conditioners produce cooling. SEER, which stands for seasonal energy efficiency ratio, is the amount of cooling produced (BTU) divided by the amount of electricity (watts) used. The higher the SEER, the greater the efficiency.

Solar water heating — Generally this is a method of heating domestic water by allowing ground- or rooftop-mounted panels to collect solar rays as the water flows slowly through a series of small tubes. The heat transfer is then stored either in a potable drinking-water vessel (your water heater) or introduced into a closed-loop transport system to provide environmental space heating.

Straw bale — This is a methodology developed to use special tightly bound straw bales as either bearing or infill walls in a variety of structures including homes. The straw bale system was an offshoot of the Nebraska straw house, where their construction more than 100 years ago solved the basic problem of no lumber. The bales provide a substantial increase in insulation value, but their installation can be rather labor-intensive.

Structural bamboo — Bamboo as a construction material has many uses. Because the material is very hard, it has recently found a niche as flooring material. However, the material is also very strong and with new methods of handling the material, structural uses of bamboo are finding their way into the construction industry. They can be derived into trusses, supporting poles and simple beams. However most building departments are not familiar with the capacity of the material, and builders will have to supply significant engineering and detailing to satisfy plan check requirements.

Sustainable deck materials — Most of us are familiar with the wooden deck. However, new materials on the market are making a dramatic impact in the form of recycled content decking and railing systems. Usually manufactured with recycled plastics, wood chips and binders, the materials hold up well to hostile environments and generally outlast even naturally durable woods such as redwood and cedar. The intent is to select materials that are sustainable or easily replaced with limited effect on the ecology. Similar to wood, these new materials are easily worked but are considerably more expensive. The trade-off is the longevity of the material. While there are variations to the support structure under these materials, treated wood is still the primary structural system.

Tankless water heater — Most of us have a 30- or 40-gallon storage water heater in our houses. Even when you are not home or sleeping, that water heater is diligent in keeping your hot water ready at all times. Modern advances in storage tank water heaters reduces the number of times it must fire to maintain temperature, but the basic operation remains the same. Tankless water heaters are designed to wait until you actually need the hot water and on demand to fire up and raise the water temperature very quickly to operating level. The term instantaneous is often used for these heaters and generally by the time the water clears the heat exchanger inside, it’s ready for use. Additionally, these water heaters take up less space than a storage tank type. The amount of fuel needed to reach temperature quickly usually exceeds most storage types, but it reaches temperature in a lot less time and a lot less often.

Thermal Bridging — The process in which a material with poor insulation quality allows heat to pass through a material with greater insulation quality.

Title 24 — Title 24 is contained in the California Code of Regulations (CCR) and is the embodiment of most of the construction and energy conservation requirements for the state. All cities and counties are mandated to enforce the requirements of Title 24.

Treated wood

  • CCA (chromated copper arsenate) — As the name implies, the chemicals used to treat wood to prevent attacks by wood-destroying organisms, such as boring insects, fungi and dry rot, contains arsenic, a rather nasty poison. Since December 31, 2003, the distribution of CCA has been severely limited and is generally not available to the average homeowner anymore. It still can be manufactured for very specific commercial applications, such as underwater saltwater pilings and cross member materials, but not for the decking, above-water bracing or railings.
  • ACQ (alkaline copper quaternary, or Quat) — This method of treatment uses copper as the primary active ingredient. While the material is effective for direct contact and above-ground protection, it is highly corrosive to fasteners and fittings, and special precautions must be taken in their selection (usually hot-dipped galvanized or stainless steel fasteners) and the handling of the material.
  • CA (copper azole) — Like ACQ, the primary active ingredient is copper. While not quite as corrosive as ACQ, the material does have a tendency to migrate into the soil. Again special care in selection of fasteners and handling is required.
  • DOT (disodium octaborate tetrahydrate) — DOT or simply borate- or boron-preserved wood is the least corrosive of the treatments. The material is intended for interior or protected use only and must be protected from direct water exposure, which can leach the material out of the wood. Protected in dry conditions, the borates will migrate into the wood even deeper than the initial pressure injection application over time. The material is very effective against many wood pests, including the voracious Formosan termite.

TXV (Also TEV) Thermostatic expansion valve — A TXV installed on an air conditioning system can dramatically improve the efficiency of the unit. When cooling demand is high, the valve opens up and lets more coolant pass through the indoor coils. When demand is low, the valve closes to reduce the refrigerant flow. AC units not equipped with TXVs have either a fixed orifice or capillary tube system.

Volatile organic compound (VOC) — Many of the products that we buy are made with materials that off-gas VOCs, usually in the form of formaldehyde gas, a by-product of hydrocarbon-based materials. Building materials such as particle board, plywood, adhesives, paints, varnishes, carpet, drapes and furniture are often made with formaldehyde products. Other sources include some you may not think of: tobacco, burning gas, perfume, cleaning agents, hairspray and even copy and printing machines. Degrees of exposure to VOCs can cause everything from mild symptoms such as irritated eyes, ears and throat to more severe reactions such as wheezing and lung, memory and anxiety problems. By using low-VOC products, exposures are reduced and indoor air quality is improved.

Whole-house fan — Essentially a large fan that draws hot air out of a building and replaces it with cooler exterior air, as opposed to attic fans that only remove the hot air from the attic. Compared with an air conditioner, which can draw up to 6,000 watts, whole-house fans use about the same amount of electricity as a couple of light bulbs, or around 120 watts for smaller units up to about 700 watts for larger units. New homes of especially tight construction may need to have barometric vents installed a distance away from the exhaust intake to prevent negative pressure problems in the house, which could have an adverse effect on fuel-burning appliances. (Simply opening a couple of screened windows can also equalize the pressure.) It is important to prevent creating negative pressure around fuel-burning appliances in the house and starving them for combustion air as the fire can actually leave the firebox looking for oxygen. A good whole-house fan can reduce the interior temperature of a house by 10 to 15 degrees within about 20 minutes, as well as create a “sensible” feeling that the moving air is cooler. The exhaust intake is usually located in the highly heated attic air space, and many homes use a gravity damper system in the ceiling that opens automatically as the systems operates and then seals closed upon shut-down.

Zero water urinal — This wall-mounted urinal uses virtually no running water, with the exception of an occasion servicing to clean the unit. The units rely on simple physics: Urine has a specific gravity that is greater than a special sealing liquid. Several inches of the liquid are used to create a trap seal allowing the urine to flow into the system. The super slick surfaces do not allow material to remain behind and thus reduces odor and maintenance. The obvious advantage is a significant reduction in water usage over long periods of time. A disadvantage to steel plumbing is a build-up of salts on the pipe interiors, increasing corrosion. Careful maintenance schedules must be followed to keep systems working properly.

Feel free to call me today at (704)840-4136 if you are interested in green technologies.

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Think Green: Tools To Save Energy

Tuesday, May 11th, 2010

ENERGY DESIGN TOOLS:

ANNOUNCING a 4-hour hands-on workshop introducing the newest versions of HEED and ClimateConsultant that will be offered on Saturday, May 22, 2010, in Phoenix Arizona. Registration is through the American Solar Energy Society:
http://www.solar2010.org/workshops/regws14.htm

All our Energy Design Tools are fast, easy to use, and highly graphic. Each has a built-in demonstration. Each program has an automatic INSTALL routine or a READ.ME file explaining how to use it. They run on PC compatible microcomputers with Windows 98 or higher unless stated otherwise. Macintosh users have their own version of HEED or can run the others using Virtual PC.

Our Energy Design Tools are not copy protected and we encourage you to share copies with others, providing that the Regents Copyright and the Terms of Use remain unaltered.

HEED: Home Energy Efficient Design
HEED Thumbnail This new easy-to-use program shows you how much energy and money you can save by making various Design or Remodeling changes to your home. You can easily draw in the floorplan of your own house, then click and drag your windows to their correct location. You can select from lists of standard wall and roof construction. This version adds a number of new features including allowing changes to electric and gas utility rates, adding rates for oil and propane, allowing pollution data to be revised, allowing attic radiant barriers to be added or removed, offering operable shading, improving the thermal mass algorithm (admittance factor), and solving a problem with windows. Climate data is available for over one thousand locations around the world. (See READ-EPW for details.) For Advanced Users there are more detailed design data input options and output display graphics from the original SOLAR-5. HEED self-installs on stand alone non-networked Windows 95 and higher operating systems. A Macintosh OS X version is also available. HEED is also available in Spanish.
Go To HEED Page
SOLAR-5.7 (Now replaced by HEED) (generation 8 released June, 2000 [developed initially in 1976]) [over 10,273 downloads since June, 2000]
Solar-5 Thumbnail Displays 3-D plots of hourly energy performance for the whole building or for any of 16 different components. It also plots heat flow into/out of thermal mass, and indoor air temperature, output of the HVAC system, cost of electricity and heating fuel, and the corresponding amount of air pollution. It uses hour-by-hour weather data, and can call RATES in the background to calculate detailed electricity costs. It has many special commands like overlay, post-it, and compare.
Also included is RATES, a utility that contains over 170 residential and commercial electric rates. It lets SOLAR-5 show ratepayers a detailed picture of their energy costs. A manual for RATES is included in WordPerfect format.
Also included is S5SS, the SOLAR-5 Spread Sheet, that formats data recorded in an actual building or in a laboratory experiment.
Downloads no longer available. Solar5 is now contained in HEED.
CLIMATE CONSULTANT 4 [Updated December 7, 2009: Climate Data screen added]
Climate Consultant 4 Thumbnail This Version 4.0 adds a number of new features to those in the prior version of Climate Consultant 3 including new graphic screens such as a Monthly Diurnal Averages plot. It now calculates a set of the top 20 Design Guidelines based on your unique climate and the passive design strategies you selected on the Psychrometric Chart. Each Guideline has a sketch illustrating how it applies. The Guidelines and their accompanying sketches were based in part on Watson and Labs Climatic Building Design, and on Loftness,.et.al, Regional Guidelines for Building Passive Energy Conserving Homes. Climate data is available for over two thousand locations from the EnergyPlus web site. (See READ-EPW for details.) A new web-based dynamic graphic tutorial explaining the Psychrometric Chart and how it applies to human thermal comfort and to HVAC systems design is also available on this web site.

Plots sunlight penetrating through a window with any combination of rectangular fins and overhangs. Also plots hour-by-hour 3-D suns-eye view movie of the building. Prints annual tables of percent of window in full sun, radiation on glass, etc.

Download SOLAR-2 (Windows 95 Version [July, 1999]).
Download SOLAR-2 (DOS Version).
OPAQUE (generation 4 released Dec., 1999 [originally released July, 1989]) [over 8,064 downloads since Feb., 1999]
Opaque Thumbnail Draws a detail of wall or roof sections, calculates U-value, Time Lag, and Decrement Factor. It plots temperature drop through the section. Draws 2-D daily and 3-D annual plots of Outdoor and Sol-Air Temperatures, Normal and Total Surface Radiation, and Heat Flow through the envelope. It was originally called SOLAR-3. Unzip the download and install OPAQUE by clicking on SETUP.EXE, and to see the Users Manual open Manual.txt
Download OPAQUE (812KB)
A Course in CLIMATE RESPONSIVE BUILDING DESIGN
This contains class materials for a college level architectural course in Building Climatology that use the various Energy Design Tools listed above. It also contains ten Problem Sets that taken together give the student the experience of using these computer programs to design a small energy efficient building in any climate.

ENERGY DESIGN TOOLS USERS MANUALS BIBLIOGRAPHY

TECHNICAL PAPERS BIBLIOGRAPHY

THESES

DESIGN TO SURVIVE WILDFIRES
Fires (View as HTML)
Fires (View as PDF)
Professor Murray Milne
Department of Architecture and Urban Design
University of California, Los Angeles
Los Angeles, California 90095-1467
milne@ucla.edu

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