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href="/sf/mortgage-forms.html">financing forms</a></li> <li><a href="/sf/sweet-home-solutions.html">home sweet solutions</a></li> <li><a href="#" class="sectHdr">calculators</a></li> <li><a href="/sf/project-estimator.html">estimate building costs</a></li> <li><a href="/calculate/monthly-payment.html">monthly loan payment</a></li> <li><a href="/calculate/calc-ltv.html">how much to borrow calc</a></li> <li><a href="/sf/calc_footage.html">sq. footage calculation</a></li> <li><a href="/calculate/index.html">other loan calculators</a></li> <li><a href="#" class="sectHdr">more tools</a></li> <li><a href="/sf/save-on-cost.html">construction saving tip$</a></li> <li><a href="/sf/home-values.html">neighborhood assessments</a></li> <li><a href="/sf/budget-hm-construction.html">budget home construction</a></li> <li><a href="/sf/tools-set.html">all other tools</a></li> </ul> </li> <li><a href="/7-step-plan.html">Home Building Steps</a> <ul> <li><a href="#" class="sectHdr">7-step plan</a></li> <li><a href="/step1.html">step1: analyze numbers</a></li> <li><a href="/step2.html">step2: what kind of house</a></li> <li><a href="/step3.html">step3: design your specs</a></li> <li><a href="/step4.html">step4: find a builder</a></li> <li><a href="/step5.html">step5: arrange financing</a></li> <li><a href="/step6.html">step6: manage project</a></li> <li><a href="/step7.html">step7: close and move in</a></li> <li><a href="#" class="sectHdr">other key areas</a></li> <li><a href="/checklist.html">home building checklist</a></li> <li><a href="/home-building-services.html">home building services</a></li> <li><a href="/home-building-library/index.html">home building library</a></li> </ul> </li> <li><a href="/plan_sheet.html">Spec Planning</a> <ul> <li><a href="#" class="sectHdr">about</a></li> <li><a href="/plan_sheet.html">about spec planning</a></li> <li><a href="#" class="sectHdr">spec plans</a></li> <li><a href="/lot-excavation.html">lot excavation</a></li> <li><a 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yellowpages</a></li> <li><a href="/home-building-contractors.html">search home builders</a></li> <li><a href="/classified-newspapers.html">search classified ads</a></li> <li><a href="/online-classified.html">search craig's list</a></li> <li><a href="#" class="sectHdr">selecting</a></li> <li><a href="/contractor-select.html">how to select your contractor</a></li> <li><a href="/contractor-negotiations.html">how to negotiate the contract</a></li> <li><a href="#" class="sectHdr">evaluation</a></li> <li><a href="http://www.webreader.com/download/homebuilding/contractor.pdf">contractor evaluation form</a></li> </ul> </li> <li><a href="/finance.html">Financing</a> <ul> <li><a href="#" class="sectHdr">About Financing</a></li> <li><a href="/finance.html">financing home construction</a></li> <li><a href="/qualify-financing.html">getting yourself qualified</a></li> <li><a href="/check-credit.html">check your credit</a></li> <li><a href="/escrow-payments.html">about escrow payments</a></li> <li><a href="#" class="sectHdr">Getting Best Deal</a></li> <li><a href="/lending-rates.html">view-negotiate rates</a></li> <li><a href="/loan-calculators.html">lending calculators</a></li> <li><a href="/sf/mortgage-forms.html">free lending forms</a></li> <li><a href="#" class="sectHdr">find a lender</a></li> <li><a href="http://www.webreader.com/download/financing-checklist.pdf">lending shopping sheet</a></li> <li><a href="https://saylendingcenter.com/SayBuild/index-construction-loan.html">APPLY NOW!</a></li> </ul> </li> <li><a href="/home-building-gallery.html">Home Building Ideas</a> <ul> <li><a href="#" class="sectHdr">inside the home</a></li> <li><a href="/attic/index.html">ideas for the <b>attic</b></a></li> <li><a href="/second_floor/index.html">ideas for the <b>upstairs</b></a></li> <li><a href="/main_floor/index.html">ideas for the <b>main floor</b></a></li> <li><a href="/basement/index.html">ideas for the <b>basement</b></a></li> <li><a href="/plans/index.html">ideas for the <b>home projects</b></a></li> <li><a href="#" class="sectHdr">outside the home</a></li> <li><a href="/garage/index.html">ideas for the <b>garage</b></a></li> <li><a href="/exterior/index.html">ideas for the <b>exterior home</b></a></li> <li><a href="/outside/index.html">ideas for the <b>outside garden</b></a></li> </ul> </li> </ul> </div> </div> </div>  <div id="breadcrumb"> <div class="colgroup"> <div class="grid4"> <p><a href="http://www.sayhomebuy.com"><strong>SayHomeBuy.com</strong></a> <span>||</span><a href="/index.html"> Home</a></p> </div> <div class="grid2" style="text-align: right;"> <script type="text/javascript">var addthis_pub = "nbuy";</script> <p><a href="/sf/tools-set.html" class="actionLink toolsForms">Tools and Forms</a> <span>|</span> <a href="http://www.addthis.com/bookmark.php" onmouseover="return addthis_open(this, '', '[URL]', '[TITLE]')" onmouseout="addthis_close()" onClick="return addthis_sendto()"><img style="vertical-align: middle; margin-top: -2px; line-height: 30px;" src="http://s7.addthis.com/static/btn/lg-share-en.gif" width="125" height="16" border="0" alt="" /></a></p> <script type="text/javascript" src="http://s7.addthis.com/js/152/addthis_widget.js"></script> </div> </div> </div>  <div id="content"> <div class="colgroup" id="main"> <div class="colspan4" style="background: transparent url(/images/filebg_blank.gif) top right no-repeat;">    <div id="varLoad"> <div class="grid4" style="background: transparent url(/images/filebg_ad06.jpg) top right no-repeat;"> <div class="pad" id="summarycontent"><span class="tip">----- ad summary -----</span> <h3 style="padding-top: 10px">home construction tools </h3> <p><span class="content">A complete set of FREE tools to help you plan and manage your home construction:</span></p> <table cellspacing="0" class="dataGrid" id="tblToggle" style="width: 100%"> <thead> <tr> <th>Forms - Maps</th> <th>Calculators</th> <th>Estimators</th> <th>Other Tools </th> <th>Tax Publications </th> </tr> </thead> <tfoot> </tfoot> <tbody> <tr> <td><a href="/sf/building-forms.html">forms-maps-worksheets</a></td> <td><a href="/calculate/monthly-payment.html">monthly loan payment</a></td> <td><a href="/sf/project-estimator.html">estimate remodeling costs</a></td> <td><a href="/home-building-gallery.html">products gallery </a></td> <td><a href="http://www.irs.gov/publications/p936/index.html">mortage interest deduction</a></td> </tr> <tr> <td><a href="/sf/mortgage-forms.html">home financing tools</a></td> <td><a href="/calculate/calc-afford.html">affordability calc</a></td> <td><a href="/sf/calc_footage.html">interior sq. footage</a></td> <td><a href="/sf/budget-hm-construction.html">budget planning</a> </td> <td><a href="http://www.irs.gov/publications/p521/index.html">moving-related expenses</a></td> </tr> <tr> <td><a href="/sf/equity-forms.html">home equity tools</a></td> <td><a href="/calculate/calc-afford.html">loan comparison</a></td> <td><a href="/sf/calc_exterior.html">exterior sq. footage</a></td> <td><a href="/sf/save-on-cost.html">saving tip$</a> </td> <td><a href="http://www.irs.gov/publications/p587/index.html">business use of home</a></td> </tr> <tr> <td><a href="/sf/sweet-home-solutions.html">home sweet solutions</a></td> <td><a href="/calculate/calc-ltv.html">LTV calc</a></td> <td><a href="/sf/adjacent_index.html">room adjacency</a></td> <td><a href="/sf/lower-bills.html">lower bills guide</a> </td> <td><a href="http://www.irs.gov/publications/p530/index.html">first-time home buyers</a></td> </tr> <tr> <td> </td> <td><a href="/calculate/calc-debtwkst.html">debt consolidation wkst</a> </td> <td><a href="/sf/market-values.html">home market values</a></td> <td> </td> <td><a href="http://www.irs.gov/publications/p523/index.html">selling your home</a></td> </tr> <tr> <td> </td> <td><a href="/calculate/calc-ratios.html">debt ratio </a></td> <td> </td> <td> </td> <td> </td> </tr> <tr> <td> </td> <td><a href="/calculate/calc-effecttax.html">tax savings calculator</a> </td> <td> </td> <td> </td> <td> </td> </tr> <tr> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> </tbody> </table> <span class="intropad"> <script type="text/javascript"> $(document).ready(function() { $("#tblToggle").toggleColumns({ leadText : "Show:", disabled : [], initHide : [4,5] }); }); </script> </span></div> </div> <div class="grid4" style="padding-left: 50px; font-size: 10px; font-weight: bold; font-family: Arial, Helvetica, sans-serif; color: #ccc">----- end of ad summary -----</div> </div> </div>      <div class="colspan2"> <div class="grid2"> <div class="pad"> <h4 class="sidebar">Let's get started!</h4> </div>  <script type="text/javascript"> $(document).ready(function() { $("#tabSideBar1") .buildTabbedNav({ current : 0, cornerBG : "#EEE", cornerRadius : 10, linkAction : "module" }); }); </script> <ul class="tabSideBar" id="tabSideBar1"> <li><a href="#">Building Steps</a></li> <li><a href="#">Find Building Contractors</a></li> </ul> <fieldset class="tabHeading"> <ul class="sectionNav ordinal"> <li><a href="/content-analyze-numbers.html" class="moduleLoad">analyze the numbers</a></li> <li><a href="/content-kind-house.html" class="moduleLoad">decide what kind of house </a></li> <li><a href="/content-specifications-plan.html" class="moduleLoad">design the specifications </a></li> <li><a href="/content-home-building-contractor.html" class="moduleLoad">find a building contractor</a></li> <li><a href="/content-home-construction-financing.html" class="moduleLoad">arrange construction financing</a></li> <li><a href="/content-home-construction-manage.html" class="moduleLoad">manage the project</a></li> <li><a href="/content-close-movein.html" class="moduleLoad">close and move into your home </a></li> </ul> </fieldset> <fieldset class="tabHeading"> <ul class="sectionNav"> <li class="tablist"><a href="/content-building-contractor-prescreened.html" class="moduleLoad">search pre-screened contractors</a></li> <li class="tablist"><a href="/content-building-contractor-yellowpages.html" class="moduleLoad">search yellow pages</a></li> <li class="tablist"><a href="/content-contractor-building.html" class="moduleLoad">search home building companies</a></li> <li class="tablist"><a href="/content-building-contractor-classified.html" class="moduleLoad">search local classified ads</a></li> <li class="tablist"><a href="/online-classified.html">search craigs list</a></li> <li class="tablist"><a href="/content-building-contractor-evaluate.html" class="moduleLoad">how to evaluate contractors</a></li> </ul> </fieldset> </div> <div class="grid2"> <script type="text/javascript"> $(document).ready(function() { $("#tabSideBar2") .buildTabbedNav({ current : 0, cornerBG : "#F8F8F8", cornerRadius : 10, linkAction : "module" }); }); </script> <ul class="tabSideBar" id="tabSideBar2"> <li><a href="#">Tools</a></li> <li><a href="#">Arrange Financing</a></li> <li><a href="#">Quick Finds </a></li> </ul> <fieldset class="tabHeading"> <ul class="sectionNav"> <li class="tablist"><a href="/content-construction-tools.html" class="moduleLoad">FREE forms and worksheets</a></li> <li class="tablist"><a href="/building-estimator.html">estimate construction costs</a></li> <li class="tablist"><a href="/content-cost-saving-tips.html" class="moduleLoad">cost saving tip$$$</a></li> <li class="tablist"><a href="/content-home-building-calculators.html" class="moduleLoad">calculators</a></li> <li class="tablist"><a href="/content-home-building-adjacent.html" class="moduleLoad">room adjacencies demo</a></li> <li class="tablist"><a href="/content-home-building-valuations.html" class="moduleLoad">neighborhood valuations</a></li> <li class="tablist"><a href="/content-home-building-budget.html" class="moduleLoad">budget home construction</a></li> </ul> </fieldset> <fieldset class="tabHeading"> <ul class="sectionNav"> <li class="tablist"><a href="/content-financing-about.html" class="moduleLoad">about financing</a></li> <li class="tablist"><a href="/content-financing-qualify.html" class="moduleLoad">getting qualified</a></li> <li class="tablist"><a href="/content-financing-ratios.html" class="moduleLoad">check your debt ratio</a></li> <li class="tablist"><a href="/content-financing-check-credit.html" class="moduleLoad">check your credit</a></li> <li class="tablist"><a href="/content-financing-calculate.html" class="moduleLoad">calcuate loan payments</a></li> <li class="tablist"><a href="/content-financing-rates.html" class="moduleLoad">view rates</a></li> <li class="tablist"><a href="https://saylendingcenter.com/SayBuild/index-construction-loan.html">find a lender</a></li> </ul> </fieldset> <fieldset class="tabHeading"> <ul class="sectionNav"> <li class="tablist"><a href="/content-home-building-checklist.html" class="moduleLoad">home building checklist</a></li> <li class="tablist"><a href="/content-money-saving-tips.html" class="moduleLoad">money saving tip$</a></li> <li class="tablist"><a href="/content-home-building-specs.html" class="moduleLoad">spec planning</a></li> <li class="tablist"><a href="/content-home-building-services.html" class="moduleLoad">home building services</a></li> <li class="tablist"><a href="/home-building-gallery.html">home building gallery</a></li> </ul> </fieldset> </div>  <div class="grid2" id="bigsidead"> <p> <script type="text/javascript"></script> <script type="text/javascript" src="http://pagead2.googlesyndication.com/pagead/show_ads.js"> </script> </p> </div>  </div> </div>  </div>  <div id="footerrate"> <div class="colgroup"> <div class="grid3" id="borderelement"> <div class="pad" style="margin-top: 40px; margin-bottom: 0px; margin-left: 30px"> <table width="390" border="0" cellspacing="0" cellpadding="0"> <tr> <td background="/images/google-box.png" style="padding-left: 60px; padding-top: 30px; padding-bottom: 50px"> <script type="text/javascript"> </script> <script type="text/javascript" src="http://pagead2.googlesyndication.com/pagead/show_ads.js"> </script> </td> </tr> </table> </div> </div> <div class="grid1" id="borderelement" style="text-align: right;"> <div class="pad"><p style="padding-bottom: 55px"> </p> <p style="padding-bottom: 7px"><strong>Home Construction Financing Guide</strong></p> <p><a href="http://www.webreader.com/download/mortgage/mortgage-lending-map.pdf">financing map</a><img src="/images/icon-fin-map.gif" width="20" height="20" align="absmiddle" /></p> <p><a href="/calculate/index.html">calculators</a><img src="/images/icon-fin-calc.gif" width="20" height="20" align="absmiddle" /></p> <p><a href="/calculate/calc-ratios.html">qualifying ratios</a><img src="/images/icon-fin-ratio.gif" width="20" height="20" align="absmiddle" /></p> <p><a href="/lending-rates.html">view-negotiate rates</a><img src="/images/icon-fin-rates.gif" width="20" height="20" align="absmiddle" /></p> <p><a href="/intro-bank-equity-program.html">about bank equity</a><img 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