Showing posts with label build your own house. Show all posts
Showing posts with label build your own house. Show all posts

Tuesday, April 26, 2011

House Hunters International on HGTV - My New Favorite Show! #LookingForaHouse #HouseHunting #BuyaHouse #Mortgage #Lenders



Compare offers from up to 5 Lenders at LendingTree.com.

Omg, have you seen House Hunters International on HGTV, yet??  It's my favorite 'new-to-me' show on TV... I looove it.  I just can't get enough of it!  Thank God for DVR (like TiVo), because I DVR all the House Hunters International I can find (and they seem to have a marathon every Friday night, so that gives you tons of International House Hunters to watch over the weekend, and into the following week -- yippee!!).

So here's what I love about it, soo much... they take you all around the world, Italy, Scotland (you know I love the Scottish bit! lol!), Morocco, Spain, Portugal, Uruguay, Canada (another 'yippee'!!), Mexico, Honduras, Belize, Australia, Austria, Belgium, Poland, Germany, Malta ... man, they go everywhere you might like to own a vacation home -- or maybe even relocate entirely to one of these lovely locations!

A local realtor takes the people who are typically looking for a holiday home, a nice vacation home that may also be used as a rental property, but sometimes they are couples or families looking to relocate entirely to a new country... which is what I love to do!  Well, I'd like to do both, really!! But the Realtor takes the people around to three different places, in their price range (which actually went from $20,000 US and can go well into the millions... so lots of variety, so plenty of dreams to fulfil! lol!)  We were particularly interested in the properties you could buy in the Under $200,000 range -- who knew??  And the fellow from Los Angeles, California, who bought the fixer-upper in Italy for $20,000 -- wow, that was amazing.  Made me instantly want to go buy a $20,000 house in Italy, fix it up!!  I would loove to see a follow-up show on how the renovations are done, and the final products, for these particular fixer-upper sales... now that's right up my alley! haha!



What I find amazing is what houses look like around the world.  Little things that are soo different from North America (we've lived for a long time in the US, and I was raised in Canada, but born in Scotland, so we've seen our share of properties...), but, man, I did NOT know that a kitchen... yes, the whole kitchen, is not necessarily included in many European homes!  For real!  You have to go to the 'kitchen shop', and buy your own kitchen! lol!  BYOK... Bring Your Own Kitchen! How crazy is that?  And something I would never have known or even guessed if we hadn't watched sooo many of these House Hunters Internationals. 

When people are looking for property for a vacation home, usually they are looking for property right on the beach, or with a great view to the beach, and, wow, do they deliver.  It is incredible what you can buy for not all that much, right on the beach in many countries you might not have thought of, before watching this show.  You get to go in and see what the houses, apartments and condos look like, how much they cost, and the square footage. 

I would like to know more about whether people can obtain mortgages for any of these foreign owned properties, because, usually, you would have to pay cash for a property outside of your own country.  Or if you already own a home in your own country, you might choose to put a Second Mortgage on your first home, to cover the cost of the new vacation home... or just buy that $20,000 fixer-upper in Italy, forget all about a mortgage! lol!  (Can you tell that was one of my favorites?? haha!)

We get HGTV on Channel 74, and we're with Direct TV, but check your local guide, see what channel HGTV is for you in your area, and start having some fun dreaming about where your next home could be!!

Wednesday, January 26, 2011

House Plans -- How to Read Blueprints #Blueprints #BuildaHouse #HousePlans #TinyHouses #RealEstate #HireAHandyman #Contractors


 Oh for goodness sake - these pictures are down, too? Ugh, annoying - will go find them, put them back up for you... man, this switch from http to https is very annoying... it's just in the URL, but has affected my whole blog...

Flooring Deals for Every Room! Worry-Proof Flooring Sale! Worry-Proof Flooring from $0.49, Laminate Flooring from $0.58 and Hardwood & Bamboo Flooring from $1.48 Per Sq. Ft. Offer Valid 8/15-8/21!






Blueprints, or House Plans, are easy to read once you have your bearings, and know what to look for. it's fun to swing by an Open house, or three, on a Sunday afternoon, in a New Housing Development, pick up copies of their house plans (the free spec sheets), then you can walk through the houses as you're looking at the house plans... an easy way to get to know your house plans :)  (And you're gonna love these Home Plan books -- I loove them!  I could while away manys an hour looking at these beautiful Home Plans, dreaming of my next build... you'll love, that, too... lots of dreamy fun!)

These are the House Plans for the last house I built -- a very, very comfortable, beautiful home, and one I laid out carefully to make it just right for my little family. I designed this house specifically to fit on our 1.23 Acre Lot in an Estate Acreage. It would be very simple to adapt it to a differently shaped Lot, if necessary. Most House Plans can easily be modified to fit your own Lot Shape or Price Range, by changing the Size of the Footprint of the house making each room smaller or larger, or redesigning it to move the Garage around until it suits your Building Lot.

Blueprints. House Plans. Home Plans... Pretty much the same thing. For the most part, only the paper is different. Your Contractors won't be worried about which ones you have -- in fact, there are only a few of your Trades, if you're hiring out, who really need to see the Full-Scale Drawings, so make sure you get at least 10 Sets of smaller versions of your house plans -- 10" X 17" is standard. You can hand these out for quotes, your banker, and for most of your tradesmen.

The large copies of the Prints are so big that they're too cumbersome to bring into the job-site, especially if it's particularly windy, like our property. Also, Blueprints are really expensive, especially if they're Custom (anywhere from $3,000.00 - this is a minimum amount, just in case someone out there actually sells their work for this price -- and way, waaay up! It's not uncommon to spend $15,000. or more on Blueprints for a high-end home...), so you're not going to be giving them out like candy! The least expensive way to get great House Plans is to buy them online, which I highly recommend. The costs usually run around $500 to $5,000 (and waaay up), depending on how Big and Fancy your house will be. It's a great deal and well worth checking out.



If you are new to the world of Blueprints, you'll quickly get a handle on reading them. You'll know instantly whether you are attracted to the Exterior, but always be sure to check through the Interior Floor Plan. Some houses look fantastic on the Outside, but they're painfully dark and squishy on the inside. A choppy lay-out is difficult to live in, since you'll feel like you're living in a maze. Dwight and I were in a Show Home a while ago where we literally got lost a few times! How can that be?! That's craaazy! You should never get lost in your own house...lol :)

When you're reading the Floor Plans, pretend that you are actually moving from room to room. If the Garage is located at one end of the house and the kitchen at the other end, you can imagine all the hassle of dragging all the groceries through the whole house to get to the kitchen. Check the size of each Bedroom, and note the location. A 10' X 10' (stands for 10 foot X 10 foot) is not a bad size, but it can be pretty squishy. It's a common size for many kid's bedrooms. For a Master Bedroom, you're going to want at least a 12' X 12' Bedroom -- bigger is better, so if you are building on your own, increase the Master to 16' X 16' or more -- you'll love the space!

Think about how close you want your Master Bedroom to your childrens' rooms. There's a new style where the Master Bedroom is all on it's own on the upper level, and the childrens' bedrooms are on a separate level. That's fine if your children are older, but not particularly practical if they are still little, and you need to be close enough to easily tend to them. My daughter was 13 (man, I didn't realize I wrote this part so long ago -- Cara is 22, now!), and although she's old enough to be on another floor, this isn't useful for me, since I'm the one who has to go in to wake her up for school -- over and over, again! I can't be bothered with that! ha,ha,ha!

I like to have both of the childrens' main rooms on the same floor as the Master Bedroom, with a Bathroom in between for privacy... Speaking of Bathrooms, be sure there as many bathrooms in the plan as you will require. Always add an extra Bathroom at the planning stages of a house, if you need another one, since 'popping another bathroom in later' is really expensive, may require demolition of previously- done work, or may not be possible at all. 'Live' in the house in your head for a while before you make any final decisions.

Imagine driving up to the house. Where do you want to park? How big does the Garage need to be, or do you require one at all? Will the Architectural Controls allow any placement of the Garage, or can it only be in the front? Do you want a big Front Entry, or will a small one suffice? Once you're in the house, think about walking through the Front Foyer. Which way would you like to go to get to the kitchen? The bedrooms? Do you need a separate Dining Area, or do you prefer an Open Concept arrangement? If you go for the Open Concept Plan, will there be a separate place for children to play and/or watch T.V.? There's nothing more annoying than trying to have an adult conversation with the T.V. blaring right beside you, so this is something to consider right at the start.

Do you like a really sunny house, or does a house with fewer windows appeal? There's another new trend that you may want to look for when you're looking at the House Plans, in case you want to change it -- an open archway into the Master Ensuite Bathroom. That's too much information for me! I always want to have a lockable door in the bathroom, and I hope my husband will always be kind enough to use it! ha,ha! Make sure you'll have the room in the bathroom that you'll need to acquire the Tub that you want, especially if you have a model in mind, already. (Quick update: I'm divorced, now, so now I'll need a new husband to keep the door closed inthe bathroom (!) lol!, and the bath I really wanted was the round, yes, completely round, tub... jetted, of course, and absolutely gorgeous... would look great in a rounded window area, hopefully overlooking a very, very nice view! haha!)

Think about where you would like your deck(s) or patio(s), and a pool, if you're lucky enough to get one...I'm still working on that one! ha,ha,ha! Make sure you and your spouse (or spousal equivalent!) like the house equally -- it'll make the building process much more enjoyable if you're both thinking about the same thing!

When you find House Plans on-line that you really like, check to see if the Company has in-house Architects who can make some moderate changes (fees apply, of course -- any change to any project will have a cost attached to it...), or you can take the Plans to a local Architect to ensure that the house meets with local Building Codes and Architectural Controls.

Here are the House Plans for our house. I designed this house specifically to fit on our 1.23 Acre Lot in an Estate Acreage. It would be very simple to adapt it to a differently shaped Lot, if necessary. Most House Plans can easily be modified to fit your own Lot Shape or Price Range, by changing the Size of the Footprint of the house or redesigning it to move the Garage around until it suits you. Photo Gallery

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This Gorgeous Walk-Out Bungalow has over 5,000 square feet of comfortably elegant living space! Nice, huh?? It's 2714 Up, and another 2500 sq. ft. on the Walk-Out Level.



There are Three Bedrooms Up, including a Huuuge Master Bedroom with a spectacular Ensuite and gorgeous Sunroom. There's even a Hot Tub Deck right off the Sunroom! The two Childrens' Bedrooms both have Bow Windows, because that's just nice in a kid's room!

There's a nice big Front Entry, stunning Vaulted Ceiling in the Over-sized Living Room, Kitchen and Dining Room. There's a nice Deck off the Dining Room, and a Patio area at the Walk-Out Area.

I added in a 5' X 9' Walk-In Pantry -- and I use every inch of it! Can't imagine trying to squish everything into a smaller space, now! The Kitchen is huge, too...it's always nice to have lots of space in the Kitchen!
There are Two Fireplaces, an enormous Triple Car Garage with lots of extra space for all our 'Projects', a Billiard Room, Bar, Fantastic Office (where I spend a tremendous amount of time!), a Steam Room, 3 1/2 Bathrooms, and an Exercise Room.

I don't like wasted space, so the whole house was carefully designed around what any family would need to make life easy and great! Let me know what you think!.
I'll put some pictures, here, so you can match the Finished House to the Plans. That way, if you happen to be new to this game, you'll quickly learn how to read Blue Prints!

Purchasing Your House Plans is through the Internet Saves Time and Money. If you love our House Plans, but have would prefer the Garage on the Front, Back, or completely removed, you can hire a local Architect or Draftsman to make the slight change. If you have a regular city lot, you could have the house scaled back to suit the lot size. There's a substantial savings, here, since all the kinks will have been worked out and you can buy House Plans for waaay less than you would ever pay a Draftsman or an Architect to start from scratch.

Order Your Full Set of House Plans, Here...
Full Set includes 2 Full Size Drawings and 10 Working Size Prints
$888.95 (U.S. Funds) -- Shipping, Handling and Taxes Included 




 Tiny Houses are HUUUGE, ironically enough, right now!

 Ha! I have an article called this... will go link it for you! lol!: )

Monday, January 17, 2011

How to Buy Your First Home (Yippee!!) #FirstTimeBuyer #HomeOwnership #Condo #Mortgage


Compare offers from up to 5 Lenders at LendingTree.com.

Buying Your First Home

Step 1: Look around. See what's out there that you like.

Step 2: How much can you realistically afford? (Never let yourself be 'house poor'.)

Step 3: Know how long you want to live in your new place... and how much room you'll need.

Step 4:  Get pre-qualified with a Banker or Broker. Compare multiple offers in minutes!

Step 5: Find a good realtor.  Choose someone you like, and can trust in the area where you are looking -- they'll know the area... this is crucial.

Step 6:  Look at what YOU want to see, not just the 7 - 10 properties your realtor may want to show you.  Use the internet for all it's worth... exercise your rights.

Step 7: Choose a house (apartment, condo, farm... whatever you like!), make an offer.

Step 8:  Get an independent Inspector. Go with one your realtor suggests if you still trust your realtor.. remember, it's your investment, not theirs.

Step 9: Read the appraisal.  Make sure you agree. Ask for any accomodations that seem reasonable.

Step 10: Buy your new house!!  Or, at least, in America, enter into Escrow!! The house will be yours in 30 - 90 days!  Yippee!!


(And see what kind of Tax Benefits might be available to you - there are a lot of great incentives for First Time Buyers : )


Just to give you some idea of what your new Mortgage Payments might look like, and how that compares to how much you are already paying in Rent : )





This isn't nearly as complicated as some folks make it out to be. Your first step should probably be to contact a Mortgage Broker (you can have a look at the online Mortgage Companies -- they're a great way to quickly find out how much you qualify for, and they often have better rates than the standard Banks...) or your Banker to Pre-qualify for a Mortgage.

I happen to prefer Brokers because they are waaay more likely to actually get you a mortgage! Many banks have created an environment that severely limits most people's ability to get a loan, these days. If you've gone to your bank and they've flatly turned you down, don't give up. Contact a broker and make an appointment to go over your financial information (for Goodness Sake, be honest - never embellish information with any financial institution). For the record, there are so many more options available for New Home Owners, these days. It used to be (even 5 years ago) that you had to go into a regular bank to get anywhere near a Mortgage, but no so anymore. Really do your homework to get the best possible deal out there on your Mortgage, and go with a reputable broker.

At the very least, you'll find out how much you can afford to pay for a property, or you will find out what you have to do in order to become qualified.

I have heard some bankers tell potential buyers that what they really need to do is buy lots of Retirement Savings Bonds (the banks have special names for them that you are most likely familiar with), which they happen to be selling that day… then the person can re-apply for a mortgage after their huge purchase of said banking product. Of course, now the potential home owner has no money left for a Down Payment. Much better to save your money in a safe Money Market Account at the bank (see, they're still making money, if all of a sudden you feel sorry for the banks!), or in a Savings Account that you don't regularly dip into.

Set your sights on something that is realistic. Don't go looking at all the 10,000 square foot Mansions when you haven't started saving your money for a Downpayment, yet... Start with a Condo or Smaller Home, or head out of the City to nearby Towns to see what kind of Market Prices are out there. Usually, it's way less expensive to live outside of the city, with the exception of Estate Areas, which are a lot more expensive, given that they'll have Architectural Controls to allow only very large homes.

Don't worry about the whole "I can't live in the Suburbs..." . Better to think of it as a place of your own that you own -- Own Your Own Home! Your friends can laugh at a HOMEOWNER -- who's laughing now?? hmmmm? And 2 - 10 years from now when you're ready to move on, you'll have sooo much more money to invest in your next home, and you probably won't be hanging with those crazy friends, anyway! Although it would be fun to invite them for cocktails at your new Mansion, 'cause your early investment really paid off, and now you've just finished building it! ha,ha,ha! You can laugh yourself silly, and just blame it on the drinks! (I have to assume you'll have a big 'Welcome to My Mansion, Sucka' Party, and there's most likely gonna be some alcohol consumed on the premises... It's probably a requirement in those neighborhoods -- I'll let you know as soon as I move into one! hahaha!)

Try to buy as new as you can, since Mortgage Rates are cheap, right now, and it's easier to come up with a monthly mortgage payment that is reasonable than to find the cash to fix major repairs in an older home. A house that is in very good repair is a good choice, too - it's the traditional 'fixer-upper' that used to be considered a good deal that is actually far more expensive in the long run. (There are lots of conditions, here, but this is generally a good rule of thumb.)

Make sure to find out what the Condo Fees are, if the property you're looking at has a Condo Association. Check out the house taxes, too. Some smaller towns actually have higher tax rates than larger cities. If it's a pre-owned home, you can find out the general heating/cooling costs. The important thing is not to get in over your head. Stay moderate, never go beyond your means. Remember that Brand New Homes also come with huge costs that will not be included in your Mortgage. Little things, like grass, curtains, and perhaps a fridge… weigh out the total costs to see where you'll find the easiest place to start.

Flooring Deals for Every Room! Worry-Proof Flooring Sale! Worry-Proof Flooring from $0.49, Laminate Flooring from $0.58 and Hardwood & Bamboo Flooring from $1.48 Per Sq. Ft. Offer Valid 8/15-8/21! Now, it's true that the financial institutions have different Mortgage Rates depending on the percentage of the value of the property that you have for a Down Payment. If you put 5% down, your Rate will probably be higher than a Borrower who is putting 25% or more down on a property. It's based on the risk factors involved for each person borrowing from the institution. The Lenders always have to protect themselves. The important thing is just to get into a home as soon as you can. Don't wait until you have 20% to put down - just get into a property as soon as you can while these rates are so remarkably low.

You can always live there for a few years, sell it for a profit (always good!), and then make your move up. At the very least, you'll be investing the $6,000.00 (and waaay up, since that number is based on $500/month rent) a year in your own property.

If you are currently renting, the chances are really high that you could be paying less money per month on a Mortgage than you are paying for rent. This is because the Mortgage Rates are so incredibly low.

Make it a point to start taking note of the rates in your area. Start reading the Real Estate Papers, the classified ads in your local paper, and checking out Real Estate On-Line. Get a handle on what's out there that you like and can afford.

Start visiting Show Suites in Apartment Buildings and regular Show Homes. You may be surprised at the deals that are out there, these days. Go for a drive to see if there are properties For Sale in neighbourhoods that you like that are within a reasonable driving distance to your place of employment. Don't forget to add Traffic Time, if you are in a busy city! Bring a notepad and pens so you can jot down the Realtor's name and number. Often, there will be a web address, and you can check out the house on-line.

We sell our houses ourselves, so there's no reason to be wary of a 'Home For Sale By Owner'. Chances are high they've sold before and know the ropes. If you're on a time crunch, or you're new to the area, you can contact a local Realtor and tell them what you're looking for, and your price range. Again, if you're pre-qualified with a financial institution, this will be much easier. Looks can be deceiving - don't make judgements on a property until you've had a look inside. If you can imagine yourself living there, you've probably found the right place.

Write up an offer and contact a lawyer, Martha, we're buyin' a house!

Real Estate Law is pretty straight forward. If ever there was an easy consultation with a lawyer, this should be it! Your lawyer will lead you through the paperwork -- you just have to listen carefully, sign on the appropriate lines, provide any necessary documents the lawyer may require, and generally be polite! Sounds easy, eh?

You can even share a lawyer (the buyer and seller use the same lawyer when it's a nice, clean deal, with no nut cases involved…this is more common in a private sale), but chances are high you'll have your own. Make sure you have funds set aside to cover the Legal Fees (shop around - you may be surprised how these fees can vary), if they're not included in the deal. Some Builders include Legal Fees with their New Houses.
Make More Money -- Look for a New Job...

Now, I don't get why people don't have a good look at any Foreclosure Properties that might be available in their area -- especially if you are looking at buying in a Larger U.S. City, where the housing prices are through the roof. Why not have a wee look around, just in case there's something for you. That's one of the few times when it's worthwhile to buy a 'Fixer-Upper', if it's a great price.

Keep in mind that a Home can go into Foreclosure for many different reasons (Financial Difficulty can come about from a variety of sources...), so there are lots of Homes in Foreclosure that are not 'Fixer-Uppers' -- they are regular Family Homes, Condos -- sometimes even some Bare Land (a Builder's Favorite!). It's always worth a look!

More about understanding mortgages, without making you sleepy! lol! http://buildyourownhousebodylife.blogspot.com/2010/11/understanding-mortgages.html 

Make a ton o' money on the Stock Market, buy that home! Yay!! Good Luck! 
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Monday, November 8, 2010

Build Your Own House, Body and Life!: Material List * Add labor where necessary. #Building #Construction #FindAContractor #Contractors


Flooring Deals for Every Room! Worry-Proof Flooring Sale! Worry-Proof Flooring from $0.49, Laminate Flooring from $0.58 and Hardwood & Bamboo Flooring from $1.48 Per Sq. Ft. Offer Valid 8/15-8/21!
http://www.buildyourownhouse.ca/basic/matchecklist.html

BUILD YOUR OWN HOUSE Home * Site Menu *Ask Ailsa * At Home With Ailsa * Building ,Photo Gallery , Land * House Plans * Excavation * Foundation * FramingWindows & Doors Driveway Mechanical & Electrical Interior Walls & Stairs Garage*Exterior Finish (Scratch Coat) * Lighting Kitchen CabinetryFlooring *Appliances * Exterior Finish (Stucco) * Decks , Parks & Patios Kitchen Island Moving Day * Decorating Landscaping * Window Coverings/ Linens 'N Things Dealing with Contractors without Going Mad! * Annoying Power Bills * Building Basics * Checklists for Building * Chart for Building -- Keep Track of Your Spending * Material Checklist * Building Timeline Home Improvement Ideas * Tell a Friend about This Site

Material List * Add labor where necessary.
Item
Estimates
Actual CostsPayment
Land
Legal Fees
Blueprints
Surveys
Permits
Builder's Insurance
Excavator
Electrical
Services (Acreage)
Septic
Foundation
Framing Package
Framer
Windows & Doors
Roofing (& labor)
Wrap House
Soffit & Fascia
Mechanical (H & A/C)
Plumbing (plus Fixtures)
Installation
Electrical
Insulation
Drywall
Ceilings
Painting
Lighting
Flooring
Fireplaces
Cabinetry
Installation
Countertops
Interior Doors
Exterior Finish
Ext. Front Entry
Trim
Shelving
Appliances
Window Coverings
Decks &/or Patios
Driveway
Landscaping
Fencing


Google
 Web  www.buildyourownhouse.ca 




Material List * Add labor where necessary. How To Build Your Own Home #BuildYourOwnHouse #MaterialList #FindAContractor #Contractors #Building #Construction

Find the right pro for your project at Home AdvisorBUILD YOUR OWN HOUSE Home * Site Menu *Ask Ailsa * At Home With Ailsa * Building ,Photo Gallery , Land * House Plans * Excavation * Foundation * FramingWindows & Doors Driveway Mechanical & Electrical Interior Walls & Stairs Garage*Exterior Finish (Scratch Coat) * Lighting Kitchen CabinetryFlooring *Appliances * Exterior Finish (Stucco) * Decks , Parks & Patios Kitchen Island Moving Day * Decorating Landscaping * Window Coverings/ Linens 'N Things Dealing with Contractors without Going Mad! * Annoying Power Bills * Building Basics * Checklists for Building * Chart for Building -- Keep Track of Your Spending * Material Checklist * Building Timeline Home Improvement Ideas * Tell a Friend about This Site

Material List * Add labor where necessary.
Item
Estimates
Actual CostsPayment
Land
Legal Fees
Blueprints
Surveys
Permits
Builder's Insurance
Excavator
Electrical
Services (Acreage)
Septic
Foundation
Framing Package
Framer
Windows & Doors
Roofing (and labor)
Wrap House
Soffit & Fascia
Mechanical (H and A/C)
Plumbing (plus Fixtures)
Installation
Electrical
Insulation
Drywall
Ceilings
Painting
Lighting
Flooring
Fireplaces
Cabinetry
Installation
Countertops
Interior Doors
Exterior Finish
Ext. Front Entry
Trim
Shelving
Appliances
Window Coverings
Decks &/or Patios
Driveway
Landscaping
Fencing


Google
 Web  www.buildyourownhouse.ca 

Find the right pro for your project at Home Advisor