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Building A House

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[22 Aug 2006|08:33am]

The house is finally done.
We moved in last week and the only casualties were my computer desk and the kitchen floor.
Now we are frantically searching through mazes of boxes to find every little thing.
Like curtains.
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Mortgages [05 Jun 2006|10:22pm]

Without going into as nitty gritty detail as to rates, terms, etc, I was wondering how others were going about their mortgages.  We are just now at this stage, and it's much more sobering than picking out colors.  

Our builder offered us an incentive if we went with their mortgage company.  Only problem, of course, is that their mortgage rates are high.  Not insane, but maybe 0.6-0.7% higher than what we could find online.  We crunched the numbers, and we could be paying a slightly lower monthly payment (not enough to make a difference in a monthly budget) but unless we were going to stay in the house almost the full length of the loan (which is highly unlikely) it would be smarter to stick with the builder's mortgage company.  This makes me a bit annoyed, though, because we're clearly getting a poor rate, but this incentive is too good to pass up.  

When we were shopping builders, another sales agent at another builder told us that we should just accept the incentive, and then refinance as soon as possible.  Not an entirely bad idea, except that's another set of closing costs to pay, right when we're paying for appliances, window coverings, paint, etc.  Plus, I'm afraid that the interest rate is going to keep going up.  

Hmmph.  We worked out the financials last night and we're still in good shape, but I'm now looking enviously at all those 5% interest rates that people have. 
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House Updates [25 May 2006|03:17pm]

It's been a while since I've updated this, and the house is coming along nicely.
Day 10 The cement forms are removed.
More in here....Collapse )
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[09 May 2006|09:05pm]


We went in Sunday to sign the final change order for the house (we only had four, which I suppose is good).  We had a custom option to remove a wall from the family room to the flex room to create an L-shaped family room and the original estimates ranged from $1500 to $2500.  Luckily, it was priced out at just over $500, which means we have more room in the budget for everything extra we need to buy.  

For example, window coverings.  Our house doesn't have that many windows, but it sure will add up when you put blinds or shades on each one.  Also, we rent a house now, and don't have any lawn care equipment.  Our yard isn't huge, but we will need to sink a few hundred into a lawn mower.  And things we decided to buy separate from the builder, like a garage door opener, appliances (all but the dishwasher and a microwave), and paint.  They only offered the two types of beige. 
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[06 May 2006|09:11pm]

Photobucket - Video and Image Hosting

There are a lot of pictures.We went through an open house of the model home today just because, and I took pictures! Here they are. :)

Welcome...Collapse )
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[05 May 2006|03:32am]

We went out to the lot last night.
I took some more pictures and I will post them soon. Parents are signing the papers today.
I'm so excited. ♥
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[04 May 2006|09:27pm]


All in all it's exciting to see the beginnings of the house.  Ours was a new floorplan, so there wasn't one for us to walk through.  I need to check back with the home inspector, to see his report on the foundation inspection though. 

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[04 May 2006|09:18pm]



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More pictures [04 May 2006|09:16pm]


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First Batch of Pictures [04 May 2006|09:13pm]

I've been a bit of a slacker and neglected to post some recent pictures of the house.  So these next few posts will be a bunch of photos, all at once:

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[03 May 2006|04:34pm]

What the heck... I've been keeping a photo journal chronicling the building of our new house. Photos below the cutCollapse )
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Home Inspector [25 Apr 2006|10:27pm]

My parents built a new house that was finished last October, and they went the custom build route, where they hired a builder to build what was to be their dream house (my mom doesn't like it, but it was the plan, at least). I was talking to my mom last week, and I mentioned that we had hired a home inspector to come look at the house. She hadn't thought about it as an option, so I wanted to throw it out there for you when you build.

We are doing three inspections - a foundation (which should already be done), a framing, and a final. It will cost us $350 for our 1800 sq ft + basement house in the midwest, but I imagine prices vary greatly. When we get our report for the foundation walk through, I'll share it here.

Our main issue is that we're not in construction, and while we can go to the site, we really don't know what we're looking at besides floorplan issues. An independent home inspector (this is separate than any sort of certificate of occupancy or code inspection) can find issues or flaws that may be covered up during the final inspection, or just give you peace of mind that your house is built to code in case your city inspections are not that rigorous.

That's not to say that they're foolproof - since I don't know much about the building process, I won't be able to catch something our inspector misses, but he came highly recommended.
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[18 Apr 2006|04:44pm]

Hello ladies (& gentlemen)!
Today we were able to go and choose from available lots.We(me is more like it) chose lot #27, house # will be 59.

Thisa way!Collapse )

Happy building! :]
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[17 Apr 2006|11:24pm]

Hi again!
Thought that you'd like to know the walk-through of the house went very well today.We loved the house & we're going to be getting one built for us. More than likely tomorrow (April 18),we will be going back out to pick out a lot and then we'll finzalize everything. After I get more information (I'll have my parents write the stuff down) I will give you all information! But as of now, it's a go,and we'll be building a BRAND NEW house! Pictures will follow ASAP. I'll take a picture of our lot when we pick it, as well as a picture of the model home, and the sub-division the house will be in! :)

P.S. I got me a new piercing today.Off topic,I know.
But I'm excited & I L O V E it! :)
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[16 Apr 2006|06:33pm]


Just some pictures of our house from last week - never got around to posting them, and of course now I have newer pictures from this weekend.  We've also got to get around to getting a home inspector lined up for our foundation inspection - our construction supervisor said that the foundation would be ready this Wednesday or Thursday. 

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[15 Apr 2006|10:22pm]

Hey..just joined,I've been on LJ for quite a while.
I'm wanting to say about 4 years,if not really close to it.Anyways,I'm 16,and I've lived in my current house for almost 5 years -- our mortgage would not renew us because of a 2nd bankruptcy.So we ended up getting another mortgage which obviously we won't be responsible for paying until we buy a new home.

You're probably thinking... yeah? So?

Anyway,our house (a semi) just went up for sale a week ago today.
We have a few interest buyers (some who were looking for semi's specifically),but our agent would not show them our home until we got some painting done or fixed some cracked tiles.Well,we've painted..we just have to fix the tiles,and we have extra's.

He also suggested that he knew a guy who may be able to build a house for us.The location is in my favorite city in the country.St.Thomas/Port Stanley Ontario,Canada ( here ), and we're supposed to be meeting with the builder on Monday.He told our agent that he could build us a $180,000 1 floor,4 bedroom,1 garage home. We have a few questions,but being the fact that we can't contact the agent or the builder until at least Tuesday,we don't know who to ask,so I thought I'd see if someone online knew.

We're supposed to be going on a walk-through of a model of the EXACT home probably Tuesday or Wednesday this week to see if we like it,and if we do, then we'll be going ahead and signing the papers and whatnot. Our questions;

Do most builders these days put in fireplaces and//or air conditioning? Those are two of the MAJOR things we're wanting in our new house.Our house has A/C, but our last few houses (probably 3) we've had to put the A/C in ourselves,and that's just not something we want to do. Easier when you can pay for it WITH the house.
Will we be able to ask for hardwood floors rather than either all carpter or all tiles, or carpet & tiles? We all want hardwood floors throughout the entire house aside from in the kitchen where we want tiles. Is that something a builder (or most) would say something like NO PROBLEM to,or tell us we'd have to put in ourselves? OR,is it quite normal now that they put hardwood floors in?

Like I said,we still have yet to see the model of the home.Inside and out.
So as far as we know,the house could have all of those above qualities in it. Also,if there is more than one lot available, (I believe the lot will be purchased for us) would we be able to CHOOSE our lot or will the builder or somebody chose it?

I hope that makes sense && I hope it isn't too long.
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Some before pictures [26 Mar 2006|11:51pm]

Pictures of our lot!Collapse )
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Quality Home Construction [12 Mar 2006|06:54pm]

Website with some easy to follow instructions about building a moisture resistent home
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[05 Mar 2006|08:53pm]

We have officially signed all the paperwork to contract us to build a house! All the information we've heard about our builder is positive, and at this point it's too late to change our mind anyway.

The timeline they gave us is a 6-month build. We signed last week, and will have our pre-construction meeting on the 15th, and we should be moving in in August.

We are a bit worried about the interest rate offered on our loan, though. For going through the builder, they offered a $10K discount on our options, which is hard to turn down. However, the current rate on a 15-year loan is 6.125%, but according to bankrate.com much better rates are offered. I suppose we'll just refinance after we close if it gets that bad.

Now we're trying to decide on options; unfortunately, the color options on the homes are your basic bland colors, but I have my heart set on a gray house with white trim, which seems to look quite well. They aren't too flexible on lighting either - it looks like each light fixture is going to cost a bit to wire up, but I suppose it could be much worse. I need to go back to the model homes and figure out what is what.
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Weird trend in columns? [22 Feb 2006|08:20pm]

The floor plan we're looking at has an open floor plan - the kitchen, nook, and family room are all open to each other, and off the family room is a "flex room" which can be used as a dining room, living room, etc. Being young people, we don't have much need for a dining room or living room. So, we got the great idea of removing the flex room walls and making one big L-shaped room.

Our sales agent responded that that was possible for $1.5-2K, however we'd need to keep four columns as structural supports and a header at the ceiling, which was expected. And, she said they were great looking columns, not these weird round spindly things we have down here in our rental basement. I asked to see a picture, and she led me to a virtual tour on the builders website of a house with a column. I took some screen shots to show the column features.

So here's the bottom of the column. Notice the nice crown molding - I like it!

The problem lies with the top of the column...Collapse )
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