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hadda20j

Steps and Tips for First Time Home Builders!

6 years ago

Hi All! I’ve been reading this forum for a while, and finally decided to post! This is really intended to be a catch-all post, and would love if folks have any advice to pass along, or think we’re doing anything terribly wrong!


My wife and I bought some land (okay.. 15 acres of land) that abuts my family’s existing property in Connecticut. We’ve only ever lived in an apartment, and initially planned to hold onto the land for several years and build later in life. However, we are ready to move from apartment-living to home-ownership, the location is perfect, and the proximity to my aging parents is truly invaluable - so we’ve decided to build now.


We were fortunate enough to be preapproved for a $650K construction loan (and can use the land as part of our “down payment” to save some cash on hand for the inevitable, unexpected, out of pocket-costs during our build). We have also met with and selected a local custom-home builder in the area. We opted to use a plan we found online, with the contractor and his in-house architect making minor modifications. We didn’t have the ware withal to design a home from scratch with an architect or to collect bids from multiple builders, but the contractor we are using is very well known and regarded in our town and particularly in our neighborhood, so we feel good about our decision. We did meet with a few other builders, but didn’t feel like they understood our vision as well as the builder we selected.


We’re now trying to nail down next steps while our contractor prepares a modified plan and contract for us to review, and our surveyor finalizes our plot plan. We’ve read a handful of books and asked about 1,000 questions, but it’s still a bit fuzzy. In terms of next steps, I think we understand the pre-build process to be:

  1. Get final form of construction contract, final plans and specs
  2. Have attorney review contract
  3. Complete deep hole and perc testing (we'll need well and septic)
  4. Contractor applies for and obtains permits
  5. Clear land (we're handling that separate from our contractor)
  6. Submit formal application to bank (including plans, specs, permits) and obtain formal approval
  7. Sign construction contract (I get a bit fuzzy here, will a contractor usually handle the permits before the contract is signed? I understand that people typically do not sign the contract until financing is locked in..)
  8. Start our build

So grateful for any advice. Cheers!

Comments (12)

  • PRO
    6 years ago

    I may be partial, but hiring a local architect first will enable them to help guide you through all the rest, along with designing a home with you that meets your needs and fits your site. Many architect provide many services for you to choose from.

    hadda20j thanked Mark Bischak, Architect
  • PRO
    6 years ago

    I have an Idea Book with collected posts. https://www.houzz.com/ideabooks/114654901/list/building-a-home

    hadda20j thanked User
  • 6 years ago

    Thank you, @B Carey! My wife has been dragging me to open houses for the last month, and we'll keep going to those while we finalize house plans!

  • 6 years ago

    Regarding #3: My sister paid a pretty penny for a company to drill a hole on her 10 acres of land, and they went as deep as they could without hitting water. Turns out, the best place for water is right under the already-existing 100+ year old house. :-O

    So, if you already don't have it planned, I'd get an engineer out there to take a look first, and determine where the best place is.

    Since y'all decided to forgo an architect, would you mind posting your plans here on the forum? They may get shredded, lol, but there are a lot of folks here who know a lot about design, and could possibly save y'all from expensive mistakes. :-)

    One of my favorite pieces of advice is to design a house that is no more than 1.5-2 rooms deep (including covered porches and attached garages) to maximize natural light in the home *and* keep the roof simple, which reduces build/maintenance/repair costs.

    Anyway, hope you receive tons more information!

    hadda20j thanked One Devoted Dame
  • 6 years ago

    Is $650 a healthy build budget for your area? Do you have contingency room? Where will you live as you build? How will you pay for that? Have to looked at all the soft costs of building and added them in?

  • 6 years ago

    You have 15 acres. Did you have guidance where to build to provide privacy, take advantage of views, best location for a garden, space for future outbuilding or pool/pond? I can't move my house, but I wish it was 100 yards further from the road.

  • 6 years ago

    Thanks @One Devoted Dame! I've posted the houseplans here! :)

  • 6 years ago

    @Seabornman - Good point! We have a somewhat limited range of where to put the house, since only one part of the lot is near public road access. We've selected based on that, and proximity to my folk's house (which is on the neighboring lot). We will be more than 500 feet off the road, so we should have plenty or privacy!

  • PRO
    6 years ago

    Often folks select (basic) tile finishes including design, patterns and get a price quote then deviate to a more expensive choice after the budget has been set. Between design and installation, market factors can cause the costs to increase. As the build proceeds, folks tend to desire "more" for the bathrooms as they begin to focus more attention on those areas. That saying, "it's just tile" can be the beginning of future regrets. There are the inevitable cost increases from those things that arise during a build which often results in money allocated for other areas being extracted, leaving those areas short on cash. Be wary of older methods or installation materials lacking modern technological advances industry standards. Home reno tv shows are fun entertainment but they do not help owners or the industry with realistic expectations. If this will be your forever home I hope you incorporate aging in place.

    Here's a source https://aginginplace.com/universal-design/

    Here's a source for qualified installation https://www.ceramictilefoundation.org/

    Here's one for the the organization who publishes the standards https://www.tcnatile.com/

    Congratulations on your new home and best wishes to you!

    hadda20j thanked Monticello Tile & Stone
  • PRO
    6 years ago

    In Arizona we’re not allowed to clear a lot or start any grading without grading permits or building permits.

  • 6 years ago

    Thanks @Vista Montana Builders LLC! We can cut down trees here without a permit, but totally right, we'll need a permit to start excavating/grading. Our builder is handling that second part, we're just coordinating to cut down the trees.