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smart home construction guides and tips
FREE Financing Checklist
home
tools
FREE Decision Forms:
• 5-point rolodex guide
• home building map
• contractor evaluation sheet
• spec planning sheet
• construction budget (excel)
Home Building Tools:
• cost saving tips
• project estimator
• interior room dimensions
• exterior home dimensions
• room adjacency demo
• neighborhood assessments
• other FREE downloads
Calculators:
• monthly loan payment
• LTV calculator
• debt ratio calculator
• affordability calculation
• other financing calculators
building steps
Step1: Analyze Numbers:
• analyze the numbers
• budget home construction
• estimate project costs
Step2: What Kind of House:
• what kind of house
• search house plans
• view plans from builders
• find a building lot
Step3: Design Building Plan:
• develop constrution specs
• get cost savings
• find an architect
Step4: Find Contractor
• view pre-screened contractors
• selecting a contractor
• negotiating the contract
Step5: Arrange Financing
• about financing your project
• getting yourself qualified
• negotiate rates
• apply now
Step6: Manage Project
• managing the project
• working with the contractor
• inspecting the work
spec planning
About Spec Planning:
• how to build a spec plan
• download spec sheet (pdf)
• download budget sheet (excel)
Spec Plans:
• plan a: home style
• plan b: lot excavation
• plan c: foundation
• plan d: house framing
• plan e: roofing
• plan f: doors-windows
• plan g: plumbing
• plan h: electrical wiring
• plan i: HVAC
• plan j: insulation
• plan k: exterior home
• plan l: walls-ceiling
• plan m: kitchen-bath
• plan n: cleaning closet
• plan o: flooring
• plan p: lighting
• plan q: other amenities
• plan r: garage-pathways
• plan s: landscaping
• plan t: interior decor
contractors
Search Contractors:
• search building contractors
• search home building sites
• search classified ads
Other Contracting Services:
• find home inspector
• find home appraiser
• find garden landscape
• find other contractor services
Select Contractors:
• selecting a contractor
• negotiating the contract
• use contractor select sheet
Manage Contractors:
• working with the contractor
• managing the project
• inspecting the work
• download home inspection kit
financing
Financing Your Project:
• how best to finance project
• getting qualified
• negotiate rates
• check your credit report
• get your FICO score
• application tips
Start Application:
• apply now
• download loan shopping sheet
home building gallery
Home Product Ideas:
• for the ATTIC
• for the UPSTAIRS
• for the MAIN FLOOR
• for the BASEMENT
• for the GARAGE
• for the EXTERIOR HOME
• for the OUTSIDE GARDEN
Home Projects:
• doors and windows
• walls and ceilings
• flooring
• home lighting
• more home projects
MONEY TIP$
Construction Loans:
·
how it works
·
getting qualified
·
negotiate rates
·
financing checklist
calc monthly payment
START FINANCING!
lending calculators
monthly payment
how much you can afford
compare loan payments
how much down needed
housing ratio
debt-to-income ratio
mortgage loan payoff calc
tax savings calculator
square footage calculator
home market values
project estimator
construction saving tip$$$
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Mortgage Calculators
your location:
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...
tools and form
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calculators
loan-to-value (LTV: How Much down)
Enter the estimated purchase value of your home:
see market values page
$
Enter the amount of your down payment available:
$
*
Percentage LTV
Maximum Amount of Loan Available
Total Additional Down Payment Required
70% LTV
$
$
75% LTV
$
$
80% LTV
$
$
Note: any loan amount above 80%LTV will require Private Mortgage Insurance or other financing arrangement.
85% LTV
$
$
90% LTV
$
$
95% LTV
$
$
97% LTV
$
$
* Calculations are based upon the assumptions you entered. Please note that rounding errors can make a small difference in calculations. Your actual mortgage lending rate may vary depending on your credit quality and lender. The circumstances surrounding your credit and loan qualifications may result in different calculations.