Cindy Martin, Head of Real Estate Lending at The Farmers Bank, joins Trish and Kira to demystify the process of financing a new home. In an age of automated 1-800 numbers, Cindy explains why having a local lender you can sit down with is the key to a stress-free build.
In this interview:
Construction 101: A breakdown of how construction loans work, from the initial house plan to the final Certificate of Occupancy.
Self-Contracting: How Farmers Bank supports homeowners who want to act as their own General Contractor.
Understanding Draws: How the bank manages payments to builders and why local inspections matter.
Manufactured Housing: Financing options for single-wide and double-wide homes that many other banks won’t touch.
Equity in Land: How owning your property can help cover your down payment and closing costs.
The Farmers Bank: thefarmersbankva.com
Visit Cindy Martin: Timberlake Branch (Across from Biscuitville)
Get your gear ready for spring! Zach and Leah Jones discuss the exclusive ECHO one-day sale and Kubota coupons worth up to $2,000. Learn about 15% off mowers, the benefits of battery-powered tools and their convenient mobile service vans that bring expert mechanics directly to your door.
Ready to refresh your home’s palette? Ashley Hilbish of Greer Design Co. dives into the science of color theory, from the “color drenching” trend to the classic 60-30-10 rule. Discover how different finishes impact your walls and why you should never pick a paint color until the very end of your project. Plus, learn how solar shades can keep your porch cool and your colors bright.
Is your lawn struggling after a wild Virginia winter? Chad Wheeler of WheelerGreen Lawn Care joins the show to explain why a healthy lawn is the best defense against invasive crabgrass and pests like ticks and mosquitoes. Learn the importance of soil pH testing, proper nitrogen levels, and why a thick turf is actually a win for the local environment.