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Plan Your Budget Begin now to think about how much you can afford to spend and how much building your new home is likely to cost Chances are you will need a construction loan and a mortgage Its not too early to find out what size loan you qualify for Also knowing the approximate costs will help you modify your building plans to meet your budget Choose Your Lot Whether you are building your home in a suburban development or a site with sweeping ocean views you will almost always need to choose the land before you select floor plans or other details You and the professionals you hire will need to investigate factors such as soil condition drainage and building codes in the region Line Up Your Team Unless you are a homesteader you will need a team of experts to design and construct your house Key players will include a builder an excavator a surveyor and a home designer or an architect Many homeowners begin by selecting the builder or contractor That person then selects other members of the team However you may also like to hire an architect or designer first Pick A Plan Many new homes are built using stock plans from a catalog The builder or a home designer may make minor modifications in room size window style or other details A custom-designed home on the other hand is created specifically for the family which will live there In most cases custom-designed homes require the services of a licensed architect Whether you opt for a stock or a custom design you will be wise to choose a plan that will meet your needs for many years to come Negotiate A Contract Be sure to get a written contract which has been signed and dated by both the builder or contractor and the architect or
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