Need suggestions on building a house...

[MoNsTaMaCk24]

I already own land I live in Shippensburg PA. I want to spend 160,000 to around 180,000 nothing over that. 20 year loan it! Now here is the problems... My land needs some excavating... And Ill need a septic. Land is perked though. Here is what I know so far.

Option A: Modular Home
Problem is I would still need excavating done. And I would need someone to put in a foundation I would like to have a basement though. Keystone Homes in Waynesboro I like a lot!

Option B: Find a Builder
Just get them to do the whole thing no hassles or headaches. Might be more pricey from what i understand.

Option C: Try and do as much as I can
Get the house framed out and basement in all of that. Try and do a lot of the drywall and flooring all the painting cabinets and so forth. Probably take a long time though.

I want a Cape Cod. I went in one with a A frame like on one end so the living room had a ceiling as high as the roof lot of windows very nice looking!!! Cape cod lay outs look NICE! But I am open to all ideas... Let me know!!!

 

[68torinogt]

why not have a house built to the in dry and then finish it yourself

 

[MoNsTaMaCk24]

take a lot of time to finish myself...

 

[68torinogt]

why would it take so long?

 

[DropTopPony]

go log cabin...they are sweet.

 

[68torinogt]

thats what i live in and if he decides to go with it then he needs to talk to log home owners and see what they suggst for sealants and paints along with clearcoats.
http://www.satterwhite-log-homes.com/
here is the ones that build kick a$$ houses
the prices vary depending on how much you do yourself. you can save a chunk if you do the internals yourself and they can have the outside up in like less than a week

 

[MoNsTaMaCk24]

i dont like log homes.. not for me

 

[68torinogt]

totally understandable

i live in one and it is neat but it can be a pain too

 

[MoNsTaMaCk24]

Anyone else with some ideas...

 

[mustangkid05]

just buy a house that is for sale much easier lol

 

[DocG]

You're in a pretty good spot if you got the land. You can subcontract the house out and save some money, hire your own electricians, plumbers, etc....but you better know what you're doing.

The easiest and quickest is to just hire a company to build the home for you. I know there are a few in the Ohio area that build homes on your land....and I'm sure they can coordinate the prep work on the land. Might be more expensive, but it'll be cheaper than buying a house in a subdivision or something like that.

So it depends on how long you want to wait, how much work you are willing to do, and how much you're really trying to save. Only way to save the most is to build it yourself or subcontract. But either way, paying a company to build it for you will still get your 25% more house at least than buying thru a subdivison or something like that. And if you are willing to finish some things such as the basement, flooring, trim, etc....you could save even more. Some of that you can work on after you move in. Not hard to put trim up while living in a house.

 

[speedfreak98r]

Stucco FTW

 

[nwapache]

here is your professional advice from a mortgage broker:
1) avoid Modular, there are financing issues associated with manufactured housing, should you ever want to finance it, or sell it.....terms are restrictive
2) I would have the house professionally built, expect cost over-runs of 15% of quote, and you'll be fine.
3) Log homes fall into nearly the same category as MFG houses, unless you live in an area where there are a number of other log homes to compare.
4) if you need more detailed information, feel free to PM me.

 

[MoNsTaMaCk24]

Yeah I thought about just getting the downstairs all drywalled and finish the upstairs all myself and I will paint the whole thing. I can cut trim hang doors all that good stuff! The whole framing thing and stuff with a lot of measuring and electrical im not all about but I will hang all lights. How much can you actually save though by doing all of that like a ball park price...

 

[COramprat]

You really don't save a bunch doing things yourself. Electrical is generally about 10% of the total so hanging the fixtures is just going to be a small fraction of that. Trim and paint is another small part. Doing those items on your own may knock about 5% off your total. Unless you plan to do the majority of the interior i'd just have it finished and move in. I bought a "needs updating" for our first house and regretted every minute of having to update it.

You can contract it yourself and save some money...you run into headaches getting each subcontractor in to do work and will probably run into delays but it can be done.