Building A Backdrop For Your Videos

There are dozens of reasons why you might want to build your own movie set. Maybe you have created a YouTube channel and need to create a backdrop in order to please your thousands of subscribers. Or maybe you are working on a school project and the added effort and professionalism could bump your grade up to an A. Whatever the case, do not fear! Building a set is easier than organic chemistry. Okay fine, it is a lot easier than organic chemistry.

First you will need to decide what kind of movie set you will want and or need. A simple backdrop for a video requires limited supplies and little effort, but an interactive set requires quite a bit more work. First The Easy!

A back drop for a video should be a simple affair and dark, solid colors are your best bet. That way you can have notifications and links pop up around you which adds to the video. If you are in a small room and have very limited resources a queen size or larger sheet can work fine. But keep in mind that these will move with the air, and can show wrinkles which will take away from any professionalism you are trying to exude. To make a basic backdrop, you will need to get one by four pieces of wood, white pine works best, glue, staples and a staple gun (or screws and a drill) particle board, and canvas.

A lumber yard should be able to cut down your pieces of wood for you to length. Join the pieces together to make a square and take the particle board that has been cut into squares or, better yet, triangles. Glue or screw the particle board to the one by fours to keep them square, and cut at least two one by fours at forty five degree angles. Wedge them in the corners to brace the frame and make it sturdy. Now stretch the canvas over one edge of the frame and staple the corners. Pull the canvas over the rest of the frame, making sure to get all of the wrinkles out, and staple it along the edges. There should be about an inch of give in the middle of the canvas. Now take a brush and your glue, and generously lather all of the canvas. Let it dry overnight and it will tighten and harden, making the backdrop firm and sturdy.

Before you build, make sure that you have a place to store your back drop since they are virtually impossible to fold and or bend. If you want a big backdrop, but do not have the room to store it, make smaller ones that you can put together. Try making them different colors so you can switch it up in your home movie.

Brad Pitt may not be starring in your movies, but putting in that extra effort to make them seem more professional can go a long way.

Home Building A Fishing Boat

One of the most popular uses for boats is for fishing. People sometimes look at the bewildering array of available boat types and are confused about what type is most useful for them. Hopefully this article will make you aware of the various types of fishing boats there are so you can do a good job going about picking the best design for you to build in your home workshop.

The first thing you have to decide is what type of water youll be fishing on. A suitable boat for small ponds and backwaters would not necessarily be the best choice for near coastal conditions where bigger seas might sneak up on you. Similarly a river fishing boat capable of handling wild whitewater might be a disappointing performer on larger, open lakes. A boat that will have to do double duty as a fishing and waterfowl hunting boat will be very different from a boat that will be doing double duty as a fishing and water skiing boat. Spend some time identifying the uses of your boat first what kind of water, how fast, how many people these are what will dictate the best type of boat for you to build.

If you primarily intend to fish in rivers, especially smaller, fast moving rivers, youll want a drift boat, that is one that is primarily intended to drift down rivers. There are two types of these, the Western style, sometimes called, McKenzie River drift boats, and Midwestern style drift boats less for canyon shooting in the mountainous West, and more for smaller rivers and streams common throughout the US. The Midwestern style can be rowed much faster and with more control than the Western types intended only for drifting downriver, where the oars are only used for keeping the boat pointed downriver.

If you intend to fish on lakes, bays and protected waters, you have a choice of quite a few designs. If you intend to both row and use moderate power, there are few better choices than a Carolina style dory. These easy-to-build boats get up and plane easily, carry lots of load, are quite stable and yet still may be rowed in a pinch.

If you want to go fast, under primarily engine power, and still plan to mostly fish in wide rivers, lakes, bays, etc., a semi-vee or full vee bottom power boat may be your best choice., These come from smaller two passenger sizes, easily tailored behind a small car, all the way to big, 6 or 8 passenger models that can also handle sea conditions. Another option for this kind of conditions is the Pacific power dory. These highly stable and efficient hulls can outperform commercially made fiberglass models and can be built for a fraction of what a new boat costs.

If youd like a man-powered or small engine boat you can toss in the back of a pickup or on a car roof and head to a stream, lake, bay or bayou, consider one of the ultra-light boats with plans available. They come in various shapes, from prams and dories, to canoes and kayaks. Larger sea-kayaks are suitable for fishing and waterfowl hunting. Using modern materials some of these boats can weigh as little as 40 lbs so can be carried to the water with one hand.

Finally, if you want to use your boat to fish in the ocean, youll be faced with very different conditions than in protected waters so need to look for a boat designed for ocean conditions. Vee bottom Carolina dories, Pacific power dories, and vee bottom center console boats are all suitable for coastal conditions, and also will outperform heavier factory made boats and may be used with smaller, more economical engines.

For offshore conditions, very specialized craft are called for. Grand Banks dories are some of the most seaworthy boats ever designed. Theyll power through any weather, though theyre no speed demons, and can also be sailed. In 1876 (the USAs 100th birthday year) an 18-foot open dory, named the Centennial was used on the first single-handed North Atlantic crossing from New York to England. Other candidates for home built offshore fishing boats include Hawaiian sampans, mullet skiffs, and larger vee bottom Carolina dories. Each has their pluses and minuses, depending on whether speed, economy, or a smooth ride is the more important characteristic.

Home Loans With Bad Credit How To Improve Approval Chances

Applications for a home loan with bad credit can hardly be guaranteed approval when the financial pressures of modern living dictating against those with bad credit histories. But that is not to say that bad credit borrowers have no chance of buying the home they want. As long as the application is strong, the application can be successful.

Remember that bad credit scores have only a minimal influence over any loan application, and even when it comes to securing mortgage approval, and the sizable debt that it creates, the debt-to-income ratio the applicant has and the down payment that has been saved, is of greater interest to mortgage providers.

Ensuring that these aspects of an application are in good order is the best route towards approval. Once lenders are confident of getting their money back on the home loan, rejection is hard to justify. So, what should be looked out for?

Understand Your Credit Status

Building a strong loan application starts with understanding the position that is held. There is no point in pretending everything is rosy when it is not. Knowing your credit score and how it was calculated provides insight into how the lender will view your application. When applying for a home loan with bad credit, knowing your own weaknesses is very useful.

Your credit report can be sourced (for a small fee) from a credit agency, and in it details that have affected the credit score can be seen. With this information, a strategy can be devised to strengthen the application. Securing mortgage approval often comes down to the smallest details.

Also, with the credit scores known, applicants can assess what home loan terms are good and bad, and with that can accurately assess the value of any prospective loan source.

Address The Credit Score

There are only a few ways to secure a home loan with bad credit, but probably the most logical is to improve the credit score before submitting an application. And how can the score be improved? Well, the most immediate impact is made by a consolidation loan, which can be used to pay off existing debts.

Every debt that is cleared is marked as fully repaid, and so the credit score is increased to reflect this. Of course, if the overall debts are $50,000, then the consolidation loan needs to be very large. But securing mortgage approval is certainly more likely when the credit score is higher.

A single consolidation loan is not always possible. In such cases, taking out a series of small personal loans, of maybe just $1,000 each, allows for single debts to be cleared. However, these loans can come with very high interest (25%) and with repayment schedules of just 30 days. These are expensive loans, but over time can have the desired effect and improve the chances of getting a home loan.

Make a Large Down Payment

Providing a large down payment as part of an application for a home loan with bad credit can help the chances of approval significantly. This is because the size of the required mortgage falls in proportion to the down payment. For example, if a home is worth $200,000, a 10% down payment reduces the required loan to $180,000. A 20% down payment sees it fall to $160,000.

And with lower mortgages, the interest is lower and the repayments are lower. This can only help in securing mortgage approval, and with the whole deal so much more affordable, there is significantly less chance of defaulting on the home loan.

Everyone, it seems, wins from this situation. However, it does take a considerable amount of effort to save a large lump sum.

A Brief History Of Insulation – Look How Far We’ve Come

The Ancient Egyptians used it. So did the Ancient Romans. In the 1800’s, a guy wrote about it, sort of. By the Great Depression, there was a growing demand for it. In the mid 1970’s, medical science told us we were doing it wrong. Now, 21st century builders have to “go green” to earn green. And the future seems brighter (and more energy efficient than ever.) We’ve used cork, asbestos, glass, plastic, foam and even mud to do it. Yes, when you look at the history of insulation, in all its myriad forms, we can see just how far we’ve come.

The Ancient Egyptians used insulation to keep their desert homes and buildings cool, and their linen clothing warmer in the cooler winter months. They added papyrus linings to their loincloths and skirts to keep warm in winter. They built their homes of thick brick, designed to help keep out the sun’s scorching heat in summer.

The Ancient Greeks knew about asbestos, in fact they named it. They used it to dress their imported slaves, as well as for the wicks of their eternal temple flames, napkins and the funeral dress of kings. The material’s flame-resistant properties gave it a bit of a mystical appeal to the Greeks. They had a common name for it, too crysotile which means “gold cloth.” The Greeks were the first to go on record as noting that asbestos caused a “lung sickness” in the slaves who worked with it and wore it. The Greeks also knew how to insulae their homes, using cavity walls. The air trapped in between the inner and outer walls would act to help keep out the colder or hotter air, depending on the season.

Always on the look out for the next best thing, the Ancient Romans also dressed their slaves in asbestos cloth. They made tablecloths and napkins for restaurants and banquets out of asbestos cloth, throwing it into the fire between diners or courses to clean it of crumbs. The Romans were perhaps the ancient world’s most noted engineers, and they knew enough to build cavity walled structures, too. They learned to insulate their heated water pipes with cork from Spain and Portugal so that they could be placed under floors without fear of overheating the flooring.

The Vikings and other northern Europeans learned to insulate their homes with mud chinking, plastering it in the cracks between the logs or hewn boards of the buildings walls.. When mixed with horse or cattle dung and straw, the mud was known as daub, and was considered a stronger, better building material over plain old mud. They created clothing out of thick sheep’s wool, and may have even used cloth to line the interior walls of their homes.

Cloth came to be widely used in the Middle Ages among the wealthy as stone once again came into fashion for home building. These imposing stone structures tended to be drafty, damp and cold. Large ornately embroidered or woven tapestries would be hung on interior walls, partly to block out the drafts and partly to soak up the dampness. Rushes on the floors also helped to keep things a bit warmer underfoot.

During the Industrial Revolution, manufacturers turned once again to asbestos for their insulation needs. Steam-powered technology meant lots of hot pipes to carry the steam to where it was needed. These hot steam supply pipes could be made safer for workers by wrapping them in asbestos. With the invention of the steam locomotive, the demand for asbestos exploded. Suddenly, fireboxes, boilers, pipes and even boxcars and breaks were lined or wrapped in the heat retarding, flame-resistant fibers.

During the Great Depression, residents of the “Dust Bowl” of the US Southern Plains region attempted to insulate their homes from the choking dust storms by using strips of cloth coated in flour-based glue or paste. These could then be pasted over cracks around window and door frames to try and keep out the dust. City dwellers often did something similar with newspapers, stuffing them in cracks in window frames in hopes of keeping their frigid tenement apartments a bit warmer against winter’s chill.

Asbestos continued to be the main source of both industrial and residential insulation through the 19th and mid 20th centuries, though. World War II saw it being used in aircraft and ship production. In the 40’s and 50’s, mineral wool or rock wool started to overtake asbestos in popularity, however. Having been “discovered” in the 1870’s a safer manufacturing process led to its wider spread use among construction and industry.

The rediscovery in the mid-1970’s of asbestos’s harmful health effects signaled the death knell for asbestos materials in building construction. You’ll still find it keeping your automotive breaks and clutches cool, however, and crysotile is still being mined in some countries.

With the decline of asbestos, other forms of insulation had to be found and found quickly. Fiberglass insulation comes in various forms and is considered to be the “traditional” choice in home insulation. Styrofoam sheets and PVC wraps are now available. Concerns over the ecology and environment have led to the “discovery” of several forms of insulation considered to be more environmentally sound. Paper cellulose, recycled cotton denim and even sheep wool are being touted as the new wave in insulation. Imagine, cloth and wool as insulating materials? Perhaps we haven’t come that far after all!

An Overview of How Home Builders Build a House

Building your own house can be an exciting, but the amount of time it takes can make anyone feel impatient or anxious. You are probably ready to move in and want the house built as soon as possible. However, it’s important to be patient. Home builders do an immense amount of work on each house they build, and it’s better for them to be thorough and precise than to do a rushed job and make a mistake that will cost you money to repair later.

The first thing the crew of home builders must do is prepare the building site. Some crews will hire subcontractors to do this work, whereas others will do the work themselves. This involves using a bulldozer and backhoe to clear the lot of rocks, trees, and other debris. Next, they will dig a hole for the basement, put in wooden frames to serve as a template for the foundation. Once they’ve done that, they will pour cement into the holes and trenches to create the foundation, which must then be inspected by a city inspector.

Once the foundation and basement are finished, the home builders will erect the “skeleton” of the house. This term is used to refer to the floors, walls, and roof. While the skeleton is being built, the crew will cover the entire structure with a protective barrier known as a house wrap whenever they are not working. This will help keep moisture out and prevent the wood from rotting.

After the skeleton has been constructed, the crew will install the roofing and siding materials to the exterior of the house. While this is going on, plumbing, HVAC, and electrical contractors will also work to install pipes and ventilation in the walls of the house. This includes putting in sewer lines, ductwork, bathtubs and toilets, water supply lines, insulation, and the furnace. The electrician will also install outlets and phone jacks at this time. After these installations are complete, city inspectors will once again inspect the house to make sure the electrical and plumbing systems comply with local and state building codes.

After the wiring, ventilation, and plumbing systems are in place, home builders will work to put the finishing touches on the house. This includes hanging the drywall and applying paint to the interior walls, as well as putting up exterior finishes such as brick, stucco, or siding. The crew will also add decorative trim such as baseboards, lay down the flooring, and install cabinets, light fixtures, mirrors, and bathroom vanities. Once this is done, the crew will do a final cleanup and the city inspectors will return for a final inspection. Following the last inspection, the house will finally be ready for you and your family to move in!

Building Low Maintenance And Energy Efficient Homes

Planning for a new house can be a very exciting and fun experience for many new homeowners. The idea of finally having your own house can keep you real awake most of the nights. Whats good about building a new house is that you can have everything done based on your own specifications and personal style. Most house builders are very versatile and are particularly keen on giving in to the wishes of their clients; they are ready to experiment based on the desires of their clients and they can custom-build a house from the ground up.

If you are looking forward to have a house thats low in maintenance and energy efficient, you should discuss these with your chosen construction company. These features can be easily integrated in your house by reputable new home builders from the start of your construction project. This will enable your builder to make appropriate provisions in the heating and cooling systems of your new house. In addition, fixtures and exterior planning can also be made to conform to your desired home features. House builders employ several tested and proven techniques to give you an energy-efficient yet comfortable house.

Proper insulation of walls and floors can even out the circulation of temperature in your house. As a result, you will enjoy more comfort inside your house regardless of the frequent changes in the outside temperature. In the long run, you will also enjoy accumulated savings resulting from reduced energy usage. There are different insulation materials that new home builders can use like fiberglass, foam and recycled plastic.

Use of energy-efficient windows with durable frames and special coating can effectively maintain the heat inside the house during winter seasons. The same high-performance windows can keep the hot temperature from entering the house during summer days. Ask your new home builders to install this type of windows as they are also useful in blocking ultraviolet rays of the sun. If you have this type of windows, you can rest assured that your home furnishing will not fade easily and would not require high maintenance costs in the future.

Experienced house builders will be able to advise you to use modern heating and cooling systems. Compared to older and traditional systems, these energy-efficient systems are quieter and able to prevent too much humidity inside the house. In addition, these modern heating and cooling systems are less costly and more efficient to use. Proper installation of these systems can significantly reduce your household energy requirements.

These days, its easy to find household products and fixtures that are intended to reduce energy consumption and, in effect, maximize financial savings. Take advantage of these products like light bulb, electric fans and other kind of appliances.

Five Tips For Building An Enviable Cigar Collection

Ask any cigar smoker why they do it and they will pontificate for as long as you will let them about the sublime and meditative act of enjoying a good cigar. They will go on and on about their personal cigar-smoking experience, never once admitting to the fact that they take great pride in their knowledge of cigars and in the collection they have accumulated.

The fact is that every serious cigar smoker wants a collection that will be the envy of his friends. Even though most cigar aficionados would never admit it, there is a social and almost club-like bond between cigar smokers.

Sure, there is the image of a man sitting in his study quietly enjoying a smoke and a great novel. Solitary enjoyment is a big part of cigar smoking. But half the fun of smoking cigars is talking with your friends about the brands you have experienced and the ones that you would like to try.

Building an enviable cigar collection requires tact, variety, and daring choices. Here are a few tips toward making your collection the talk of the town.

1. Proper Storage

First off, any serious collection of cigars is going to be stored in a proper humidor. If you dont have one, it is time to get one. Beyond just keeping your cigars at the proper temperature and humidity, a humidor will add that subtle cedar flavor that is otherwise unobtainable.

The Neo Classic I Humidor is small (it only holds about 25 cigars), but it is a great starter humidor and what it lacks in size it makes up in style. It has a black lacquer finish and the corners are accented with Greek-style columns. Piano hinges support the lid and it even comes with a lock and key to keep the kids out.

On the opposite end of the size spectrum is the Montegue End Table Humidor. Yes, it is a humidor so large that it actually functions as an end table. Behind two doors and in one drawer you can store a whopping 1,500 cigars. With a humidor this size it becomes less like collecting cigars and more like stockpiling them.

Dont worry though; there are plenty of humidors of every size in between so it should be easy enough to find one that will house your collection without going too overboard.

2. Variety

The first step towards building a respectable collection is variety. This doesnt mean you have to have every obscure shape, style, and brand of cigar, but you should at least make an attempt to try and have a decent mix on hand. This isnt just for presentations sake, but it will also grow your own tastes and experience.

A nice corona is always at home in any collection and the Cruz Real Corono Sumatra is a terrific example. The Connecticut wrapper version has a great medium-bodied smoke that will make these a staple of your collection.

If you are looking to throw something a little off the beaten path into the mix then you should try the Villiger Original Krumme 4/6. They are mild Swiss made culebra style cigars. A culebra is actually 3 small cigars twirled together.

Variety is important, but you should also be careful not to get too carried away. Dont buy cigars you dont think you will actually enjoy just for the sake of mixing up your collection.

3. The Holy Grails

Every cigar collection should have a few premium cigars. Price doesnt always determine quality, but having a few expensive cigars will add a sense of exclusivity to your collection.
The CAO America Anthem is a great all-American presidente-style cigar. It is made from two Connecticut wrapper leaves that encircle longfiller tobaccos from Nicaragua, Italy, the Dominican Republic, and the United States. It is a great showpiece cigar and would make a fine centerpiece to any collection.

4. The Liquid Collection

A cigar collection should be like the menu of your favorite restaurant. There are the old standbys that made you fall in love with the cooking in the first place, but you keep coming back to see what new specials they might have.

Collecting cigars works the same way. You can amass the greatest collection of cigars that the world has ever seen, but unless you keep adding and trying new brands and styles then it will get boring in a hurry.

Dont be afraid to get out there and try something new every once in a while. This applies not just to cigars, but to your whole life. The strong and almost spicy aroma of the Arturo Fuente Don Carlos Belicoso might initially turn off someone who is used to a more mild smoke. Give it a whirl though and its blend of rare tobaccos might change your tune.

5. The Shared Collection

There isnt much point in collecting cigars if you are just going to just let them sit there. And there is no fun in showing off your collection if you arent willing to share it. You might amass a variety of cigars that would turn the most experienced aficionado into a jealous maniac, but unless you are willing to offer him a cigar from your collection he will deny your tastes until his dying day.

There is a sense of devilish delight that can be obtained from building a collection of cigars that will make your friends jealous. But the real joy in collecting cigars comes from the enjoyment you get in having a cigar with a good friend. It is fun to try new cigars and discussing your hobby with others is a great way to increase your cigar knowledge.

However, it is the other discussions that you have over a cigar that matter the most. It is the talks you and your friends have about your families. About your troubles and your dreams. About your place in the universe and in each others lives. A collection of cigars is really just material. It is how you enjoy them with the people that matter to you that is truly something enviable.

Factors To Consider When Constructing A Poultry House.

Poultry houses can be constructed out of a variety of materials and can be made into endless configurations. Chicken house construction is not difficult as long as the preplanning is done right. There are certain aspects of building the chicken house that should be considered when looking at designs. Below are 10 essential things that need to be considered whether purchasing or building the chicken house in order for the poultry house to be a success.

(1)The first thing to consider is the size and space needed and the space that is available.
(2)The location of the house. Be considerate of neighbors as there will be some odor and noise from the chicken house. Chickens should have shade and be out of the wind. The house should be in a location that is dry.
(3)What is the reason for raising chickens. The most common reasons are meat and eggs. The type of chicken raised will directly impact the size, location and type of chicken house.
(4)What are the best chicken breeds for the climate in which they will be raised. Some chickens weather different climate better that others. Make sure to conduct research into breeds before purchasing.
(5)There must be enough room in the coop for nesting boxes ( a good size is 1’x1’x1′), roosts (one square foot of roosting space for each chicken) and an area for food and water away from any roosting areas.
(6)There must be enough room in the coop for each chicken. A good estimate is 4 sq. ft per bird.
(7)Make sure there is some consideration for a run or outdoor space for the chickens to exercise and have access to fresh air.
(8)If the coop is to be a winter home for the chickens it will have to be insulated and protected from the wind. Birds also need light so there should be some consideration for windows.
(9)Ventilation will have to installed to vent the heat, odor and gasses naturally produced by chickens and their feces.
(10)The chickens will need protection from predators so the house will have to be secure.

Knowing The Responsibilities Of Home Builders Slidell

The challenge of building a home can bring a different experience for every homeowner. It is a long process and involves many different people in the construction industry from the contractors to the suppliers of building materials. While the idea of building a new home can be very exciting for every homeowner, it can also cause tremendous pressure and anxiety. The process entails many details that need to be taken care of personally by the homeowner. Homeowners need to coordinate closely with the preparation of the floor plans, choosing the colors, types of interior finishing materials, and a lot more. There are issues on building permits with the local government that have to be complied with.

In all likelihood, you will have to choose one of the home builders Slidell-registered and licensed to oversee and handle the construction of your new home. With the floor plans executed by a professional architect, you can request the home builder for an estimate of the entire project, including cost of labor and materials. You may choose to take as many estimates as possible as these will be compared with each other for cost, completion date, scope of work, etc. And while collecting the estimates, you should also start checking the background of each home builder in terms of reputation, credibility, financial stability, projects completed, years of experience and specialization.

From the number of home builders Slidell-licensed, you should pick the one that represents the best offer. Once you have chosen the home builder, you should have a meeting or discussion on the different aspects of construction like procurement, permits/license, construction schedule and terms of payment, etc. It is important that all of these aspects are clearly defined in order to avoid any conflict in the future. The home builder should then explain on the various stages of construction such as securing the necessary building permits required prior to starting the construction, stages of procurement of materials, stages of construction pertinent to electrical, plumbing, interior finishing, etc. You need to understand the progression of work in order to know what to expect during actual construction.

Your home builder should ensure that the construction site has all the necessary safety precautions and measures are in place and enforced at all times during the construction. For additional protection, you should check the home builders insurance coverage for the project and the workers involved in the construction. The home builder should have a builder’s risk insurance. This is the type of insurance that protects your home and the builder while construction is ongoing. Additionally, the builder should have liability insurance to cover for construction flaws discovered within a period of ten years. The safety of the construction workers should also be covered by the builders workmens compensation insurance. Any accident that happens on the construction site involving the construction workers should be covered by such insurance.

The home builder should also initiate periodic inspections during the different stages of construction to make sure that everything is done according to the plans. The home builder should ask the homeowner to join the inspection. Alternatively, the homeowner may conduct his separate inspection in order to make sure that the home builder complies with all the terms of construction contract. There are some home builders who might conceal defects during inspection. Conducting unannounced inspection will expose the entire construction state to the homeowner. If in doubt, you may ask the architect to help you with the inspection to make sure that the plans are strictly followed.

Building or Buying a New Home

If you are thinking of buying or building a brand spanking new home, you’re in luck because this article was created for you! In fact, many of my clients have determined the market has become pretty well picked over and the majority of what’s left is either over-priced or junk. Recently I’ve been fielding a lot of questions about buying brand new construction or building a new home, so I’ve decided to help you by outlining the process.

STEP 1: Get pre-approved for your construction loan or to purchase the newly built home once it’s constructed by the builder. This is especially important for new construction! If you are buying a lot and building a home, the construction loan underwriting process is much tougher than if you are buying an already built new home. This often requires more down payment, better credit and lower debt to income ratios. I’ve had many clients qualify to buy an existing home but do not qualify for a construction loan.

If you are using a builder like Gough or Wright Homes to build your home for you (both do great custom construction in Salt Lake and Utah County) then you just need what’s called take out financing to buy the property from the builder when construction is complete. You really have to be carefully pre-approved with this approach because you will be giving the builder non-refundable construction deposits and if you can’t close on the take out financing then you will lose that money (insert swear word here). It’s important that your mortgage team not only look at the last two years of your credit and income but we also try to account for any changes in interest rate, etc. over the next 90 to 180 days as your home is being constructed. We will make sure your loan is fully underwritten and approved prior to giving any non-refundable funds to the builder.

STEP 2: Locate a community and lot to build your dream home on. Once your mortgage (construction or take out financing) is approved then you know how much you’re comfortable and capable borrowing and can choose a lot.

Tip: You really want an expert REALTOR that specializes in land and new construction to help you with this. If you’ve not built multiple homes before there is a TON that you do not know. Simply put, hire a land expert and allow them to explain all the mistakes they’ve seen past clients make. You can’t un-build it after it’s built…

STEP 3: Build your home! This is a general timeline and guide to the key steps that occur during the course of construction.

Building Process:

1. Customize house plan with builder

2. Color Orientation- Coordinator & suppliers with options pricing (1-2 weeks)

3. Pre Construction Meeting (3-4 weeks)

4. Color Selection Meeting- Finalize decisions (6-7 Weeks)

5. Start Dig (7-8 weeks)

6. Electrical/Flat-work Meeting- Discuss location of lights, plugs, options & concrete (11-12 weeks)

7. Walk through Meeting- Confirm upgrades are in place, create punch list of missing items (18-20 weeks)

8. Closing & Completion of Home- Time will depend on size & scope of home (19-21 weeks)

STEP 4: Close on your home and move in (picture yourself in home nirvana here!) If you’ve done a construction loan in your name then you already own the home and you just move in. If you’ve chosen to have the builder construct the home for you, then this is when you get your take out loan and actually purchase the home. Our goal is to have your loan closed the same day the city issues the Certificate of Occupancy so you can move in immediately.

So that’s it, you are now more educated than most people who have done this process several times over. Congratulations!