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Having Your New Home Built Is Easy When You Know How

Nothing is more exciting and rewarding than walking into your newly built home for the first time. The smell of fresh wood, the look of new paint, and the thrill of surroundings YOU chose to exactly match your tastes and needs is nothing short of incredible.

No wonder millions of Americans choose a new construction home each year. But having your home built from the ground up can be fraught with problems.

Most people figure that choosing the right floor plan will be the biggest hurdle, but that's only the tip of the iceberg. You also have to deal with contractors, permits, government regulations, loan companies, and seemingly endless paperwork. No wonder you see construction projects that remain unfinished for months or years and home owners who are left frustrated and exhausted.

But getting your new home started and completed doesn't have to be difficult. I've been in the new construction loan industry for more than 20 years and have developed a few simple tips that will help you speed along the process.

1. Buy your land first. With your land in hand, you can get faster service and better terms when you shop for your loan.

2. Consider getting your loan from a loan broker rather than a bank. Banks will only tell you about the loans they offer. Often your choices will be quite limited. A loan broker, on the other hand, can shop from a great many loans to find exactly the one that fits your needs.

3. Watch out for the old bait and switch trick. Unfortunately, a lot of loan officers will use this. They'll offer a very low rate over the phone, but that low rate won't be available when you get to their office. Or you'll be offered a construction loan with no points and no fees, but you later find out you're paying a much higher interest rate to make up for it.

Just remember if it sounds too good to be true, it probably is. Make sure you get all the important points in writing.

4. If your loan gets turned down at the bank or you are offered a substandard loan, the problem may not be with you, but with the person who filled out your loan application. Even brokers are sometimes unaware of the specific bank's requirements and the application won't provide all the information the bank needs to approve your loan.

Bottom line, you'll be far better off if you work with an experienced, reliable loan broker early in the process. A good broker has the knowledge and experience to easily and quickly maneuver you through the system to get you well on your way to a new home.

Get Rick Gomez's FREE ebook that explains the 15 things you MUST know before you apply for a construction loan. Download it at http://www.nationwideconstructionloans.com. Rick has specialized in loans for new home construction for more than 20 years. Reach him at loanisapproved@yahoo.com.

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