We are putting together sustainable energy packages that we can make available to you. They will include such items as geo-thermal heating and air conditioning as well as on-the-grid solar power. We will be putting together these packages to price competitively with stick framed homes without these options.

With solar and geo-thermal we can produce a home for you that produces up to 85% of it's own power! That reduces your utility bills by up to 85%!!! This is an initial investment that can be recovered in about 5 years. With oil, gas and electric prices increasing the way they are, the recovery of the initial expense could be realized in a much shorter time in the very near future.

Call us and we will price a new modular home with a sustainable energy package that will, in the long run, save you huge money! When your neighbors are singing the blues about the rediculous money they are spending to run their homes, you'll be sitting back with the A/C cranked up knowing you are getting it for just about FREE!

Our homes are already 'EnergyStar' compliant. Our base package provides you with a great insulation package. This just adds to the quality of the home as well as your way of life. Think about it. If you socked away the money you are now spending on your home utilities into a bank account, how much would be there in ten years? Probably plenty to pay for your child's college education in cash and still have some left over. And you are not calling us right now because....?????

Call now! it's the responsible way to build for your future.


Charter One    1-19-2015


We’re pleased to offer up to 97% financing on our Agency mortgage programs. With Fannie Mae’s recent announcement that it lowered its down payment requirements for first-time home buyers, affordable financing has made a comeback.

To be eligible for a mortgage with greater than 95% financing, at least one borrower must be a first-time home buyer, and the purchased home must be used as a primary residence. The program features fixed rates for loan amounts up to $417,000, and seller contributions are allowed.

The new low down payment requirement also applies to the Fannie Mae MyCommunityMortgage program. For more details, call today!


At some point in time, every real estate professional will come across a listing that's in a prime location but lacks the polish it needs to really sell (anyone for harvest gold appliances or a pink toilet?). Help your buyers see its potential with construction-to-permanent (CP) financing from Charter One.

Our CP program isn’t just for new construction. Borrowers can take advantage of a single-close feature for both the costs of renovation and the permanent loan. Best of all, they can lock in their permanent interest rate at the beginning of renovations - giving them greater peace of mind should interest rates start rising.

Here are just a few ways renovation financing could help:

Baby Boomer Buyers: Love the house but want to make sure it fits their retirement lifestyle
Energy-Conscious Buyers: Want a home that has both energy-efficient features and the charm of an older house
Growing Family Buyers: Like the neighborhood and its schools but need a home with more space
When you have buyers who believe a home is beyond repair, our CP program will even allow them to tear it down and build a home of their own design. To find out more, ask me for a copy of our Charter One Guide to Construction-to-Permanent Financing.


Please feel free to write or call if I Can answer any questions for you.


Thank you,

John Yannetti


Mortgage Loan Officer

3120 Fairview Park Drive

Suite 220

Falls Church, VA 22042

Office: 703-245-3461

Cell: 703-623-4100

Efax: 1-877-864-2981