A home construction schedule should begin months before construction, and end well after the home builder or contractor has left the building. The art of building a home is not only about lumber and concrete. It is about financial planning, creativity and the hearts and minds of those who conceive the idea for the home.
Building a home requires a lot of all four elements. People can be hired to provide all the services if you have the money. You can do some of the labor yourself if you have the time. Using your own creativity to conceive the design can make the house uniquely your home. Don’t cheat yourself out of the experience by simply throwing money at a contractor and walking away till a house of some sort is built. Be involved in the process. Involve yourself in the planning, and the construction process not just the paying.
Building a home requires planning, and so you should plan and save for at least a year before beginning the construction. Use this first year to research construction, plan your home and get your finances in order.
• Pay off your car payment and other debt before applying for a loan.
• Pay off your credit cards and don’t maintain a balance.
• Pay your utility bills promptly.
• Call hospitals and doctors offices to check on and pay any forgotten hospital, or doctor bills which you may not be aware of.
• Clean up your credit, and improve your credit scores.
• Make monthly “practice payments” of 35 percent of your income to a savings account.
• Save twenty to thirty percent of the purchase price of a new house.
• Start a homebuilding journal
• Download our 98 page free home planning guide
• Read other articles on this site, and other sites about home building.
• Brainstorm what sort of house you want.
• Collect articles, illustrations and ideas about home building.
• Research home building materials and building techniques.
• Select house plans you like, and use home design software to evaluate these blueprints.
• Make decisions about your future home, and create drawings, and virtual models of the house you desire.
Choosing a home builder is a vital decision. Do not make this decision lightly. Be sure to go into your builder’s office well informed, and confident of his skills and reputation.
• Make an exhaustive list of all the local home builders.
• Research local home builders and contractors, using on line and community resources.
• Ask local Realtors, loan officers, sub contractors, and other building related professionals to recommend home builders.
• Evaluate your research
• Select three to six home builders to interview and seek bids from.
• Evaluate the bids, and your impression of each builder to decide which one will build your home.
You will need to apply for both a construction loan and a mortgage loan. It is much easier and more economical to apply for both loans at the same time and close both with one closing. When shopping for a loan it is most important to get a good interest rate on your mortgage. This outweighs other considerations in most cases.
Fill out your loan applications truthfully and accurately. Do not attempt to pad your income, or deny your debts. It is pointless. Instead rely on the previous year of preparation, and the help you receive from loan officers and your home builder to get through the process.
During the construction process you should visit the construction site, at least weekly during the process. Be sure to check with your contractor before you sign the contract to make sure you are allowed on the construction site. Don’t sign unless you are allowed to visit. Most home construction nightmares would have never happened if the home owner had been knowledgeable and present on the construction site on a regular basis.
• Digging footings
• Pouring footings
• Laying foundations
• Early rough plumbing and electrical
• Building the sill plate, floor joists and sub-floor
Second and Third Month
• Wall framing with two by six studs
• Roof Framing with trusses or attic framing rafters
• Sheath the roof with OSB, three quarter inch plywood
• Apply roofing felt
• Apply asphalt shingles
• Sheath the walls with plywood
• Apply exterior siding
Fourth through Sixth Month
• Do more rough electrical and plumbing work
• Apply closed cell insulation to walls and attic
• Apply radiant barrier attic insulation.
• Hang the dry wall
• Install doors and windows
• Attach wood trim, door and window frames and any other woodwork.
• Electrical outlet plates and switch plates
• Paint the drywall or apply wall coverings
• Apply floor coverings
• Install cabinetry
• Install countertops
• Install plumbing fixtures.
While the basic steps to other forms of construction are similar the time is much less. Modular homes can be completed on your lot in less than a week, and the shell at least of a concrete panel or SIP home can be built in a day or two. Foundation and interior work is approximately the same for all forms of construction.
Planning and building your home is a process you should enjoy to its fullest. Keep a home building journal and fill it, not only with home building ideas and selections, but also with photos of the home building process, and happy memories of crews working on your home. You could even start a website showing your home building experience. Your home construction schedule should be one of hands on, owner involvement, and appreciation of your home builder’s skill in creating a wonderful home.