Garrett Hofer CT
Garrett Hofer

Garrett Hofer Offers Realistic Tips for Building a Dream Home

Based on recent experience building a custom home, Garrett Hofer reminds people interested in building a home to strongly evaluate estimated costs (and add at least 15-20%) and determine reasonable construction timelines.

Building a new home is exciting. It provides an opportunity to create the ideal residence without wear and tear from previous owners. However, the process can present several challenges. Garrett Hofer encourages new buyers to start with a realistic vision of how the process will unfold from start to finish.

Construction time for a new home varies and can be affected by a variety of factors such as weather conditions, change orders, contractor staffing, difficulty obtaining materials, etc. A reasonable expectation is 6-12 months, but possibly longer if you run into unexpected obstacles.Garrett Hofer East Lyme

What’s a reasonable budget? According to Garrett Hofer, this will vary greatly based on location, level of customization, and overall tastes in finishings. The average price tag on new construction in 2019 was approximately $290,000 with a wide range of $165,563 to $474,977 per HomeAdvisor.

Garrett Hofer recommends assessing major needs before settling on a new home location. Location can impact many things such as public school access, taxes, neighbors, safety, noise levels, access to conveniences such as grocery stores/restaurants/entertainment, etc.

Garrett Hofer recommends finding a lot in a growing neighborhood with the potential to appreciate during the expected timeframe of ownership. At the start of the planning phase, consider looking at developments with customizable pre-drafted and approved plans. If this isn’t possible or if you want a fully customized blueprint, research respected architects that have completed plans for your area. It’s also a good idea to hire an architect that your builder has experience working with.

After finding a location and settling on home design, obtaining a construction loan is often necessary. Much like buying a house, those looking for a construction loan must meet certain financial criteria, such as reliable income and assets, solid credit scores and reasonable debt-to-income ratios. According to Garrett Hofer, it’s important to research different loan options- some loans will offer a fixed rate upfront with interest-only payments during the construction phase while other loans have floating rates until you receive the CO for the property.

Garrett Hofer explains a construction-to-permanent loan provides funds for construction to contractors in stages based on percentages of work completed. A common process is that the builder provides milestones in the contract that will require additional payments. When approaching these milestones, the homeowner will contact their bank to request an inspection and subsequent release of funds so the builder can be paid. Upon completion, these loans generally become a traditional mortgage with monthly principal+interest payments.

Garrett Hofer recommends preparing upfront for the unexpected. Based on conversations with numerous people who have built homes, Garrett Hofer says it’s advisable to set aside an additional 20-30% of the projected home cost to cover any unexpected charges or desired modification during the building process.

When searching for a builder, it’s very important to do your homework. Ideally, you want to hire someone that you feel comfortable communicating with on a regular basis. It’s also important to consult various resources such as the National Association of Home Builders, the local Planning/Zoning office, and people in the local area who have used this builder in the past 1-2 years. Gather quotes from several builders with solid backgrounds and ask follow-up questions about the aspects of the homebuilding process that are most important to you. Get as many commitments in writing as possible. Request a target, detailed timeline, but also expect deviations. It’s important to pick the builder who best meets your overall goals (budget, timeline, ease of working with, quality of workmanship, etc).

For any home, it’s important to assign money for decorating, desired appliances, furniture, custom outdoor spaces (pools/patios/decks/landscapes/etc) and anything else that’s not included. The construction process is a significant undertaking and you should be prepared for a few bumps in the road to building your dream home!

Garrett Hofer

Garrett Hofer’s 3 Tips for Building Your Dream Home

Your home is your castle. Building a new custom home is the best way to ensure your abode suits your needs and style. As Garrett Hofer of East Lyme, CT, explains, custom home-building allows you to have a hand in every part of the process, from selecting the location to picking out countertop finishes and decor. He offers three expert tips for first-time home builders.

3 Tips for Building a New Home

Have a Budget
The first step in any home building or improvement project should be making a budget, Garrett Hofer says. Before you contact builders for an estimate, ensure you know how much you can afford to spend. Research the cost of building a home in your area with consideration for variables such as house size, roofing, the number of floors and rooms, and insulation. Make a list of priorities to determine what you’re willing to compromise on if necessary. Garrett Hofer says to be sure to factor in some wiggle room for unexpected expenses. This will help your contractor work with you to establish a realistic plan based on your budget.Garrett Hofer of Easy Lyme

Find the Right Location
You know the real estate mantra, “location, location, location.” Even the most beautiful home won’t live up to its potential in an unfavorable location, Garrett Hofer says. Consider your family’s needs and priorities when scouting a spot. Do you prefer to live on some land with ample space for privacy, fruit trees, and animals? Or would you prefer to live in the suburbs or city with neighbors close by? Garrett Hofer also suggests looking into the school district, as well as access to stores, medical facilities, and public transportation.

Hire the Right Home Builders
Once you have a clear idea of what you want and how much you can spend, hire an experienced, licensed builder. Garrett Hofer advises considering the builders’ reputation; look at online reviews and ask for references. Take a look at their portfolio and see if they’ve built something similar to the home you have in mind. If friends or family members have recently had a house built, ask them for recommendations. When speaking with referrals, Garrett Hofer suggests inquiring about the builders’ customer service, workmanship, and communication. Garrett Hofer also suggests discussing a timeline right off the bat. A good contractor should be able to provide an accurate estimate and timeline in your first meeting. Keep in mind factors such as weather and obtaining permits can cause delays.

When designing your dream home, remember that your home should be a place to relax, enjoy time with your family and friends, and be a place to celebrate many great life experiences!

Garrett Hofer

Garrett Hofer Explains the Benefits of an Active Family

From reducing the risk of type two diabetes and heart disease to boosting mental and physical strength, exercise has several benefits for people of all ages, including kids. Garrett Hofer of East Lyme, CT, is a working father of two. He is also a former college rugby athlete and currently coaches a community rugby league in which his kids participate. Here are some suggestions on how to make health a family affair.

First, Garrett Hofer suggests picking activities your family enjoys. Being active can and should be fun, not a chore. Your family is more likely to stick to a healthy routine if everyone looks forward to the activities.Garrett Hofer CT

Growing up in Colorado, Garrett Hofer has always loved the outdoors. Since starting a family, he’s instilled that love of nature in his kids.

“I love immersing myself in nature and taking time to enjoy the amazing experiences that many people never see or pay attention to [like] sunrises, sunsets, the natural world coming to life each day, and getting to truly philosophize when nobody else is around,” Garrett Hofer said.

Some activities they enjoy most include swimming, riding bikes, sledding, playing at the beach, hiking, fishing, and horseback riding.

As a lifelong athlete, Garrett Hofer also loves participating in sports with his family, whether it’s coaching their rugby team or cheering them on as they play basketball and soccer. If you or your kids aren’t on a community or school sports team, you can still invite friends/family to participate in a local pick-up game!

Families that play together tend to be healthier and happier, as regular exercise can boost health and reduce the risk of mental health issues such as stress, anxiety, and depression.

For more ideas on ways to get active with your kids, click here.

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Garrett Hofer has dedicated his life and career to helping individuals, families, and businesses. In addition to his full-time job, he volunteers with the ACP Veterans Mentor Program, where he helps veterans transition from the military to civilian enterprises.

In 2017, Garrett Hofer co-founded the Shoreline Spartans Rugby Team with Michael Meyer.
The team’s first practice was on April 5, 2017. The program started with seven kids but has since reached about 40. The league includes a grade-school and high school division. This summer, the Spartans plan to launch a one-week summer rugby day camp for youth. Soon, Garrett Hofer and Meyer plan to add an adult league as well.

For more information about Garret Hofer East Lyme, connect with him via LinkedIn: https://www.linkedin.com/in/garrett-hofer-b5279539/ Or connect with Shoreline Spartans Rugby via Facebook: https://www.facebook.com/ShorelineSpartansRugby/

Garrett Hofer

Garrett Hofer’s 3 Favorite Florida Fishing Holes

New England is a winter wonderland, but once the holidays have passed and the chill of January sets in, many New Englanders feel inclined to take a holiday to somewhere a little warmer. For Garrett Hofer of East Lyme, Florida is the perfect spot to take the family and enjoy fun in the sun and fishing. Here are his three top picks for Florida fishing spots.

Where to Fish & Boat in Florida

  1. Florida Keys
    The Florida Keys are world-famous for their beautiful scenery and plentiful populations of delicious fish, including snapper, grouper, and Mahi Mahi. Garrett Hofer loves going to the Keys with his wife and kids and fishing near Cudjoe and Saddlebunch Keys and other hidden gems off the coast of Key West. He also looks forward to exploring the area around Islamorada.
  2. Jupiter, Florida
    Just north of Miami across the Intercoastal Waterway from Hobe Sound, Jupiter Florida in Palm Beach is known for its magnificent beaches and resorts. It’s also a great place to boat or fish. You will find many varieties of fish and plentiful boating marinas and public docks. The city is also a great spot for history buffs of all ages, with a 19th Century lighthouse, pioneer homestead, and regional history museum. Garrett and his son caught their first sailfish here a few years ago. If you are lucky, you might even see a friendly manatee.
  3. Destin
    Located in the Panhandle in the northwest of the Sunshine State, Destin was founded and settled by fishermen. Its turquoise waters are teeming with fish species and there are miles of sandy beaches to relax on or explore. It’s no wonder it is still one of the prime destinations for fishing and boating in the Gulf of Mexico. The Destin Harbor Boardwalk is a lovely place to take the family for the day as well, and there are several nature trails through Henderson Beach State Park as well as a waterpark and waterfalls.

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Garrett Hofer graduated with honors from the University of Wyoming, where he was president of the Financial Management Association, with a bachelor’s degree in finance. He has dedicated his life and career to helping individuals, families, and businesses overcome financial challenges and establish a solid foundation for the future. Garrett Hofer Colorado also volunteers time to the ACP Veterans Mentor Program, where he is a mentor helping veterans transition from the military to civilian enterprises.

In 2017, Garrett Hofer co-founded the Shoreline Spartans Rugby Team with Michael Meyer.

“We set up a youth program that allows young girls and boys to play rugby no matter their ability,” Garrett Hofer East Lyme said. “We have some children with autism, Aspergers, cognitive disabilities, and physical disabilities that all get considerable playing time.”

The team’s first practice was on April 5, 2017. The program started with seven kids but has since reached about 40. The league includes a grade-school and high school division. This summer, the Spartans plan to launch a one-week summer rugby day camp for youth. Soon, Garrett Hofer and Meyer plan to add an adult league as well.

For more information about Garret Hofer East Lyme, connect with him via LinkedIn: https://www.linkedin.com/in/garrett-hofer-b5279539/ Or connect with Shoreline Spartans Rugby via Facebook: https://www.facebook.com/ShorelineSpartansRugby/

Garrett Hofer East Lyme Co-Founds Shoreline Spartans Rugby Program

Garrett Hofer CT

Garrett Hofer CT has dedicated his life and career to uplifting others. Among his various charitable contributions, he is a mentor with the American Corporate Partners Veterans Mentor Program, where he helps veterans transition from military to civilian enterprises. He also co-founded the Shoreline Spartans Rugby Team.

The program was founded in 2017 by Garrett Hofer of East Lyme and Michael Meyer of Clinton. The Program is a reflection of two of Garrett Hofer’s greatest passions: sports and giving back.

Co-founder, Michael Meyer, has a long history with the sport of rugby. He played at Southern Connecticut State University and was a captain. He also played in several adult leagues, including the Connecticut Grey. He was the head coach at Mitchell College rugby for eight years. His experience coaching college students with some cognitive and physical disabilities helped inspire Michael to provide an athletic program to support younger children with similar challenges.

“We set up a youth program that allows young girls and boys to play rugby no matter their ability,” Michael Meyer of Clinton stated. “We have some children with autism, Aspergers, cognitive disabilities, and physical disabilities that all get considerable playing time.”

The team’s first practice was on April 5, 2017. The program started with seven kids but has since reached about 40.

The program has garnered much excitement and support in the community, so much so that the Spartans also now have a high school program with about 20 players.

In 2019, the Spartans hosted a rugby tourney with three high school teams and four youth programs on the same day at the same location, Garret Hofer CT recalled.

“It was such a success that the other teams in the state asked us to do it again,” he said.

Garrett Hofer East Lyme knows firsthand the benefits sports can have for kids and teens. As an athlete since age 8, he played two years of Club Rugby at the University of Wyoming and now loves sharing the sport with the next generation of players.

Both founders’ kids play for the Spartans. “We are very proud of the community that has formed around these young athletes. We have parents who knew nothing about rugby and now love it. We have players that were not excelling in other sports but now get to play a sport they are good at and love,” Michael Meyer said. “At every practice we teach: sportsmanship, anti-bullying, self-worth, teamwork, and the knowledge that a person can accomplish great things if they give 100 percent. We believe because of these teachings we created a great organization.”

This summer, the Spartans plan to launch a one-week summer rugby day camp for youth. The goal is to make it affordable for all participants and to focus on leadership, sportsmanship, and maintaining a healthy and active lifestyle.

Garrett Hofer and Michael Meyer also plan to launch an adult rugby team with fun events such as beach rugby. Within the next two years, the Spartans hope to have a women’s high school division as well.

Shoreline Spartans Youth Rugby is pursuing nonprofit status to pursue financial stability as the program grows and so that companies/sponsors can support kids sports and the community and also receive some charitable benefits.

Connect with Shoreline Spartans Youth Rugby via Facebook: https://www.facebook.com/ShorelineSpartansRugby/

Connect with Michael Meyer at info@spartancommercialmortgage.com

Garrett Hofer Says Travel Is More Than a Pastime: It’s an Education

As Saint Augustine said, “The world is a book and those who do not travel read only a page.” Garrett Hofer of Colorado, an avid adventurer, can’t remember a time he wasn’t infected by the travel bug. Raised by a Vietnam vet single father from the age of four, Garrett Hofer’s family didn’t have the resources for a jet-setting lifestyle. But that didn’t stop him and his dad from having plenty of adventures.

“He has always been a dedicated father and we had a great time traveling in his truck-camper and visiting the nearby states,” Garrett Hofer, who now lives in East Lyme, CT, said.

Growing up in Arvada, a Denver suburb, Garrett Hofer traversed the Midwest, venturing to Wyoming, Nebraska, Kansas, and Montana to see some of the nation’s most beautiful vistas, from purple mountains’ majesty to amber waves of grain.

“While I did not travel by plane until I was a senior in high school, I’ve always enjoyed seeing new landscapes and meeting new people,” Garrett Hofer CT said.

Upon high school graduation, Garrett Hofer East Lyme attended the University of Wyoming.

“I had a phenomenal college experience and enjoyed balancing academics with playing club rugby for my first two years,” he recalled. “During my rugby career, we traveled to surrounding states and enjoyed playing BYU (Utah), Chadron State (Nebraska), and numerous universities in Colorado (Air Force, CU Boulder, CSU, Univ of Northern CO).”

When he graduated college, he embarked on an adventure all his own, moving across the country to New Haven, CT, to start his career in finance. When he met his spouse in 2001, it was partly a love for travel that brought them together. The two spent years traveling before tying the knot and have since traveled to many more destinations, including some notable favorites: Maui; Jupiter, FL; Key West, FL; Steamboat Springs, CO; Texas; St. Thomas, VI; Southampton, NY; and Newport, RI.

Garrett Hofer, who has dedicated his career to helping others, says traveling is an excellent avenue by which to connect with people from various backgrounds, cultures, and walks of life. In addition to teaching him more about the world, visiting new places and meeting new friends and acquaintances has broadened his horizons and provided valuable lessons which he’s applied to his personal and professional life.

More on Garrett Hofer East Lyme

Garrett Hofer graduated with honors from the University of Wyoming, where he was president of the Financial Management Association, and earned a bachelor’s degree in finance. At the age of 24, he attained certification as a CFP® Professional. Garrett Hofer has dedicated his career to helping families overcome financial challenges and achieve their financial aspirations. Garrett Hofer Colorado also volunteers time to the ACP Veterans Mentor Program, where he is a mentor helping veterans transition from the military to civilian enterprises.

For more information about Garrett Hofer East Lyme, visit his LinkedIn: https://www.linkedin.com/in/garrett-hofer-b5279539/

Garrett Hofer Helps Veterans Transition from Military to Private Enterprise

On November 11th, civilians across the United States gave thanks to veterans and honored victims of wars past and present. With 18.2 million vets in the U.S., most people know at least a handful of people who have served or are currently serving. Many, like Garrett Hofer of East Lyme, are related to one or more brave and honorable individuals. Garrett Hofer, formerly of Colorado, was raised by his single dad, a Vietnam War Army veteran. His brother also served in the Air Force and his nephew is currently serving in the Coast Guard. He knows firsthand how hardworking, adaptable, dedicated, disciplined, and skilled veterans are. Garrett Hofer also knows how challenging it can be for these qualified members of society to find work. For this reason, Garrett volunteers with the American Corporate Partners (ACP) Veterans Mentor program, which endeavors to help veterans transition from military to civilian life.

ACP hand-selects mentors from Fortune 500 companies to work one-on-one with military veterans and spouses to help them establish the skills needed for a successful career in the civilian working world. Volunteer mentors like Garrett Hofer CT volunteer their time to share their knowledge, expertise, and advice.

Per the ACP website, typical mentorships include components such as resume review and interview prep, career exploration, career advancement post-hire, help establishing a work-life balance, networking, small business development, and leadership and professional communication tips and training.

According to the Bureau of Labor and Statistics, in 2018, the veteran unemployment rate varied widely across the country, from 1.4 percent in Iowa to 6.5 percent in the District of Columbia. Although veterans possess a bevy of skills that can be applied to civilian jobs, it can be challenging for many reasons for vets to make a successful transition.

ACP, a non-profit, to date has helped over 16,000 vets secure a career and 98% of alums say they’d recommend the program to fellow veterans, according to the organization’s website.

Garrett Hofer CT has worked with the organization for three years now. When Garrett Hofer Colorado was a junior in high school, his father, in his 50s at the time, lost his long-term job. The teen stepped up to help his dad pay the bills and regain his footing. Garrett Hofer said the experience showed him there are many brilliant people who don’t have a safety net or backup plan and struggle to cope with unexpected life events, such as job loss.

After graduating with honors from the University of Wyoming with a bachelor’s degree in finance, Garrett Hofer embarked on a career dedicated to helping others.

In addition to helping private families with their finances, Garett Hofer is fulfilled by his volunteer work and helping deserving people like his dad. Mentoring veterans is a small but significant way of thanking Armed Services members for all they have sacrificed.

Find more information about ACP’s mentor program here: https://www.acp-usa.org/mentoring-program.

For more information about Garrett Hofer East Lyme, visit his LinkedIn.

Garrett Hofer of East Lyme Says Giving Is the Best Gift for the Holidays

Thanksgiving is just around the corner and, second to enjoying a turkey dinner while watching football with the family, many Americans are looking forward to the holiday for the slew of amazing deals to be had the following morning on Black Friday. Along with Cyber Monday, Black Friday is an unmistakable reminder of the consumerism intertwined with modern celebrations. While most people will appreciate good old fashioned quality time with family and friends over the next two months, most would admit that getting gifts is pretty fun too. Garrett Hofer of East Lyme enjoys getting into the holiday spirit with gifts, decorations, and other festivities just as much as anyone else. Garrett Hofer also reminds us that giving is often better than receiving.

A former Colorado resident now living in Connecticut, Garrett Hofer grew up with a single dad, who was a Vietnam Army veteran. When Garrett Hofer was living in Colorado as a junior in high school, his father, in his 50s at the time, lost his long-term job. The teen rose to the challenge and helped his dad keep the household afloat. Garrett partnered with his father to get back on track and reconnect with his career path. This experience taught Garrett that there are many brilliant people who don’t have a safety net or backup plan and struggle to cope with unexpected life events, such as job loss.

With this personal perspective on finance and its effects on individuals and families, Garrett Hofer decided to dedicate his life and career to helping others. He graduated with honors from the University of Wyoming with a Bachelor’s degree in Finance and was president of the Financial Management Association. He is now entering his 20th year with a global wealth management firm and enjoys helping people like his father in achieving their financial aspirations.

Garrett Hofer’s compassion doesn’t just extend to clients. He also volunteers a significant amount of time and personal funds to various charities, including several focused on areas such as Veteran rehabilitation, wildlife preservation, cancer research, and kids’ healthcare. In the spirit of the holiday season, he encourages others to give what they can.

Garrett Hofer of CT believes that it’s crucial to find causes and charities that you are passionate about supporting. Giving back and making donations can make fulfilling gifts for family, friends, and colleagues.

Organizations for Veterans:

  • American Corporate Partners
  • Special Operations Warrior Foundation
  • Vietnam Veterans of America
  • Marine Corps League

Local Organizations:

  • Boys & Girls Village
  • CT Cancer Foundation
  • Houston Food Bank
  • Closer to Free Ride

National Charities

  • Cards for Hospitalized Kids
  • American Cancer Society
  • Americares

Hunting & Wildlife Charities:

  • Rocky Mountain Elk Foundation
  • Ducks Unlimited
  • Hunting for Healing