SAVE $100 Expand
Sign up for promos, new house
plans and building info!


Save $100 Off Any House Plan!

See terms opt out anytime

By voluntarily opting into The House Designers' text alerts, in addition to receiving information about our e-pubs, building information and special offers, you agree to receive automated marketing text messages to the phone number provided above inviting you to join The House Designers' mobile marketing alerts. You also agree to receive marketing emails to the email address you provided above. Number of messages received may vary. Text HELP for info. Text STOP to cancel. Consent is not a condition of purchase. Message and data rates may apply. For more details, review our Terms of Use and Privacy Policy. If you do not wish to receive any marketing emails from The House Designers, you may unsubscribe at any time.



An email has been sent with details!
Chat   |   Email   |   866-214-2242
Please sign-in or register to save plans
Explore the Latest in Home Financing


Financing a new home begins long before you build. Start your planning early and find out what's needed to start the construction loan process to prepare for breaking ground on your new home!

Plan Ahead for a Homebuilding Loan

Couple with blueprints

Be ready to fill out lots of forms and supply tons of notarized and legally sealed background documentation. To be prepared for this onslaught, you should have these documents ready.

Ways to Save Money

Mortgage deal

When your mortgage is in its final stages, you will have to pay closing costs. This amount can vary in your area. Taxes, attorney fees, realtor fees, and lender fees can all fluctuate from region to region and the market area they are in. To guess at an estimate for your closing costs, range it from three to six percent of your total loan amount. To give you an example: a $200,000 loan can have closing costs anywhere from $6,000 to $12,000. It is definitely a good idea to shop around to negotiate these fees. The Real Estate Settlement Procedures Act requires lenders to provide you with a good faith estimate of closing costs within three days of receiving your application.

Understanding Home Construction Loans


The time has finally arrived to build your dream home! Whether it's a tiny ranch or luxurious Craftsman house plan, your dream home will soon be a reality! The first and often most overwhelming step in the home building process is obtaining financing for your project. There are several options available today that will ensure that you find the right financing for your budget. You'll really want to shop around and contact as many lenders as you can to get the most up-to-date information on loan programs and qualifications since loans are constantly changing, particularly home construction loans.

Size and Cost Consideration

Choosing a home size

As you begin the plan of your new home, you should realize that the first step is to calculate a figure that you feel is affordable for you. You should include the cost of the land, landscaping, building material (interior and exterior), and any other options that you know you will need before the completion of the project. As a reference, view the Financing Your Home section to get a better understanding of how much a lender will allow for a mortgage.

The Right Mortgage For You

Funding a new home

When you begin choosing your mortgage, you should know that there are several different types available. There are also a few things that you should consider before choosing a particular mortgage. Your current and expected financial situations and the points you are willing to pay should be taken into account. Take into consideration the interest term you will want. Will you prefer to be on a set interest rate or gamble on an adjustable rate? Below are a few of the most common types of mortgages available.

The Right Kind of Loan

Home balancing act

Choosing the right loan or loans for your building project can seem like a balancing act. Knowing about the basic types of loans may help with your frustrations.