Building Your Own Home From Start to Finish

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Property and Permits

  • You don't need to be a professional carpenter or contractor to build your own home. You do need property on which to build your house. Then you will need to get your plans approved by all pertinent city inspectors including: building, health, plumbing and electrical inspectors. They will be part of your process from start to end, so demonstrate patience and a willingness to take their expertise and this will help you in the long run. If they aren't on your side, they can halt finance funded building in a heartbeat.

Finance

  • You may have a mortgage but you need to have the money for the building materials. Materials will cost you approximately a fifth of what a contractor would charge you depending on the area you live in. While it is possible to get financing for building, it is not likely. Most people who build their own home rely on family loans or credit cards to pay for the build. Once the property is built, you can re-appraise the entire property and then refinance your loan to pay off the debt you incurred in the building process.

Materials

  • Home improvement stores are a one stop shop but don't just rely on your local big boys. Check with smaller local specialized vendors who may have surplus or other items that you may be able to negotiate a deal on. Doing some extra price checking can really save in the long run. Attend as many DIY workshops as you can, they are usually free and offer great information to do it right.

Ground up

  • Once you're ready to go, start from the ground up. Lay the foundation, then add the frame and install the plumbing. Once the building is framed out, lay the floors and walls with electrical. Remember those inspectors with each step to make sure you aren't going to have to start over. With a lot of sweat equity and some helping hands, you can create a 2,000 square foot home within a year.

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