Love it or List it: How You Know it’s Time to Build a House on Your Land

You’ve owned land for years. You’ve dreamt of all the things you could do with your property. You’ve envisioned a home, a place where the kids can roam, a place where you can do anything you please.

But for one reason or another, it hasn’t happened yet. Your property sits empty no matter how many dreams you’ve had for building a house on your land.

Is it time to take action? Is it time to sell? Or is it time to build?

How You Know it's Time to Build a House on Your LandWhat’s been holding you back?

Reason #1: Financing

In general, construction loans for a build-your-own-home can be rather pricey. They often require you to make a down payment of 20 to 25 percent of the entire cost of the structure, including permits, site preparation, and the construction itself. Most lenders will finance it for up to a year, and when the construction is complete, they require you to refinance it into a permanent loan.

This is where we differ and what may make building now more appealing than ever before. We know how frustrating applying for a construction loan can be. That’s why we don’t require that you have one.

Instead, we arrange for one of our partner lending institutions to meet with you and work with you to find a mortgage program that suits your budget and needs. You lock in competitive interest rates and then we handle the rest. That means no down payment, no closing costs, no discount points, and no construction loan. Your first payment doesn’t start until after you close on your new home.

That relieves the pressure of finding and financing the right loan before you even move in. It gives you more flexibility staying on a budget while juggling living in a home while building your dream home.

Reason #2: Confusion

People often buy land with the hopes of building their dream home, only to confront all the tiny details that go into building and stop short of making it a reality.

Let’s face it, even in the best of conditions building a new home can be a stressful experience. But when you move beyond the typical experience of new construction in a new subdivision and move to your own land that gives you unlimited possibilities, it increases your stress levels tenfold.

All of a sudden you have a lot to consider. From permits to selecting contractors, you have a whirlwind of decisions to make, all before you put up the first board in your new home. And that can be scary.

How do you choose each piece, select the right people to come together and give you everything you need to have a well-built, high-quality home you’ll love for years? It can be overwhelming enough to put the brakes on indefinitely.

That’s why we approach the building process differently. We know your ultimate goal is to build your dream home on your land. So we have everything in place to help you accomplish that, from your first decision to your last. We’ve taken all of the horror stories within the building industry and turned them into a positive, enjoyable experience. We make it easy from beginning to end.

See how easy it can be? Feeling more comfortable with your decision to build? Then you’re ready to move to the next phase; to start the process of building your dream home in the next few months. But where do you begin?

Choose Your Starting Point

You have the land in place. You’re ready to begin. But what does that mean?

For most people, that means designing a floor plan you can live with.

We make that process easy too. Instead of starting from a pencil and paper concept, we give you ample ideas to begin with. Want three bedrooms or four? Prefer two bathrooms or three? Want a two-story, a Cape Cod, or a ranch? Looking for a particular square footage?

With our home selection system, we can show you sizes and styles that meet your needs. This is your starting point. Then your customization can begin from there.

Study Your Land

How well do you know your land?

What are the setbacks on your lot? Setbacks are the guidelines the state has in place for how close to the border of your property you can build. It can impact where you put your house and can sometimes dictate the size of your home’s footprint.

How will you get utilities to your home? It’s important to understand the nuances of getting power and water to your home. Before you proceed with your plans, you’ll need access to water (either from a utility company or a well), waste (either septic or sewer), power, gas (either from a utility company or a propane tank), and phone or internet service.

Are there natural resource rights? Depending on where your land is, you might have natural resources running through your land that can hinder new construction. These can include things like water rights, mineral rights, timber rights, or access rights.

It’s also important to understand the restriction on the property. Will you be building in a community that has Covenants, Codes, and Restrictions? Is there an Architectural Control Committee that has to approve design and landscaping before you begin? Some areas are zoned for specific uses. This could prevent you from building out a barn you’ve always dreamed of having, or even adding a mother-in-law cottage behind your main house.


The next step is the fun part. This is where you can add in the little details that will turn your house into a home.

Our floor plans range from 1,000 square feet to 3,000 feet and beyond. Want a bonus room? We can handle that. Always dreamed of having a wrap around porch? We can handle that too.

Each of our floor plans is available as a starting point. From there, customizing it can bring in the elements you’ve always dreamed of. It’s the best way to customize everything inside and out.

Chances are you have a file with ideas in mind. Have you pinned ideas on your Pinterest board? Saved ideas to your Google Docs folder? Or maybe you still believe in the old-fashioned way of cutting and clipping your favorite ideas from a magazine. No matter how you prefer to create your design, we can use them as a guideline to take down a wall for an open-concept or create a better flow from the front to the back. We get construction. And we know how to incorporate your ideas into your final design.

Discover How Easy it Can Be

In most cases, building a new home will take a few months from beginning to end. Once everything is designed, and in place, the process can start.

But keep in mind that it all begins with you. The more customization you desire, the more time it will take to get everything approved. Simple changes are easier to put into place.

Know your goals and deadlines when you start the process but be aware that at any stage things may get adjusted as the process moves along in order to stay on track.

Now, if you’re ready to get started on building a home on your land, we can help make building your dream home a reality.