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Journals
Name Visits Posts Pics Videos

Barrel-Race6,982771570
YesterdayHouston, TX

Vilano-Beach--Water-...21,140391170
4/5/2014Saint Augustine, FL

HudsonHouse6,939300
4/2/2014Omaha, NE

Tanglewood86,2127862,22242
3/24/2014Colorado Springs, CO

697MarlinAustinArea1,12818910
3/15/2014Austin/McDade, TX

1860s-Texas-rehabnew...43,029441910
3/14/2014Boerne, TX

Bladenkirk464640
3/13/2014White Oak, NC

P-Wade-Crocker338100
3/12/2014Spring, TX

Shana411200
3/11/2014Chaffee, MO

OwensNewHome59,7951033810
2/2/2014Chandler, AZ

Du-Lock-Lane1,246200
2/1/2014Houston, TX

Family-Affair10,525440
1/31/2014Saint Petersburg, FL

TheCastle9,913270
1/23/2014Cheshire, CT

The-Last-Rodeo9,56727100
1/14/2014Angel Fire, NM

TheHoskensProject58,3581504333
12/31/2013Dome-ville, central, FL

NorthPoleHome30,105341330
12/29/2013North Pole, AK

navarre-village-buil...1,122100
12/26/2013Gulf Breeze, FL

Seven-Peaks-Faswall-...34,704483181
11/18/2013Graeagle, CA

The-Dailey-Project1,736100
10/27/2013Pompano Beach, FL

Beaver-Creek-Ranch30,197213210
10/15/2013Hayfork, CA

The-Cortes-Adventure17,598520
10/14/2013Snowflake, AZ

jeff3,805300
8/29/2013Jackson, MO

Miami-FL-country-hom...5,323320
7/30/2013Miami, FL

Brevard-County--Pt-S...2,507100
7/17/2013Rockledge, FL

Dream-Build-Austin-T...4,091300
4/17/2013Austin, TX

Eschete-Dome22,22730530
12/24/2012Lafayette, LA

ChapelHillNCBob5,509110
10/23/2012Chapel Hill, NC

The-Skimino-Bluff6,8983130
10/13/2012Williamsburg, VA

Octagon-in-Glencoe-C...48,646144110
10/8/2012Glencoe , CA

nateshomemtpeakview4,620100
9/29/2012

sherman19,938221560
9/27/2012Downers Grove, IL

Omaha9,078380
9/13/2012Omaha, NE

Holy-Hill-House16,38635530
8/27/2012Richfield, WI

Omega-CEO5,560110
8/13/2012Manassas, VA

JayHouse10,2647190
6/22/2012Sebastopol, CA

30233,27723770
5/20/2012Belfair, WA

SunburnStateHome6,242110
3/6/2012Charlotte County, FL

VICTOR-MONTANA8,038110
2/22/2012Victor, MT

Houston-720125966,742100
1/21/2012Houston, TX

Workshop15,523630
1/8/2012Florissant, CO

Our-simple-home11,758223080
12/5/2011LaPorte, IN

ICF-Construction19,226500
11/11/2011Elkridge, MD

Little-Help-from-my-...12,21611150
11/4/2011Rockwall, TX

YaNYca13,952810
10/29/2011Boston, MA

The-Man-Refuge10,795310
10/19/2011San Antonio, TX

mckernanmc11,098320
10/6/2011Amite, LA

Large-Family-Compoun...7,398200
9/23/2011Covington, GA

Woodchuck-Ridge10,220480
9/12/2011Akron, OH

Forever-Home-Sweet-H...20,79334310
8/24/2011Issaquah, WA

Clarksville-MD9,018200
8/22/2011Eldersburg, MD

steve-n-carolyn16,2534140
8/21/2011Sun City, CA

Old-York8,100200
7/27/2011Bridgewater, NJ

Carriage-House17,00720282
7/24/2011Ft. Collins, CO

DomeSweetDome22,18118291
6/4/2011Suffolk, VA

Goodpasture24,003562880
5/28/2011Westminster, CO

Marks-Log-Cabin13,874392210
5/12/2011Altoona, PA

Bill20,993100
5/4/2011Tucson, AZ

Mueller-Dream-Home8,747100
4/15/2011

Oklahoma-Steel10,691650
4/13/2011Minco, OK

DutchG8,353200
4/5/2011

HiddenInOhio10,2579130
4/1/2011Elyria, OH

MagnoliaHouse8,807100
3/29/2011Houston, TX

Buffaloader13,653200
1/11/2011Valley Center, KS

SouthernEcoHome27,67920210
1/9/2011Blacksburg, VA

Austrian-Chalet14,072780
1/2/2011Twin Lakes, CO

Vista-Ridge13,12721660
12/21/2010Swanton, OH

OurFarmstead28,325601890
12/10/2010Pennsylvania

AirparkHome-Remodel29,52022460
11/8/2010Hillsboro, OR

Holloway10,811200
11/7/2010Petersburg, VA

Building-Our-Lakefro...9,694110
11/5/2010Piscataway, NJ

SunburyGalena-Build8,974100
11/3/2010Galena, OH

BUILDING-OUR-GREEN-D...9,842800
11/2/2010Pattison, TX

RR-Homestead23,87731740
10/26/2010Janesville, CA

Casa-Paradiso-Vieque...9,782200
10/19/2010Chelsea, MA

Millerbuild11,0535110
10/1/2010Carstairs, AB

Delisledigs11,449300
9/16/2010Jacksonville, FL

h20dave11,303430
9/10/2010Waterloo, AL

Mountain-Idyl11,044900
9/9/2010Asheville, NC

High-over-Lake-Granb...14,50212230
9/8/2010Granbury, TX

Homestead35,83564850
9/8/2010Smithville, MO

philandjan12,900100
9/2/2010

Commons10,111200
8/21/2010Atascocita, TX

Our-First-OB-home10,507300
7/27/2010Gardner, KS

Louisiana-Mediterran...20,060311870
7/21/2010Sunset, LA

Crows-Nest9,783100
7/20/2010

Patterson-Project10,345400
7/16/2010John's Island, SC

Hidden-Meadow-Home12,3902100
7/13/2010Murrieta, CA

New-house-in-Selah-W...10,131140
7/4/2010Belfair, WA

Arnold-CA-Alpine-cha...20,85222100
7/2/2010Arnold, CA

Working-Wilton39,821343010
6/16/2010Wilton, NH

JJ-Residence9,558100
6/7/2010San Antonio, TX

Thompson-Valley-Home10,753330
6/6/2010Monticello, FL

Naperville-Webster-S...26,2612360
5/21/2010Naperville, IL

Gary--Suzi11,010100
5/7/2010

crystal-falls-home28,74220270
5/5/2010Cedar Park, TX

Kapoho-Retirement-Ho...10,841130
5/4/2010Santa Ana, CA

NC--New-Construction10,448100
5/3/2010

Collins-on-Cobblesto...11,43321910
4/30/2010Waynesville, NC

Dwight--Colleen-Hart...11,841130
4/30/2010Vaughn, WA

Riley32,71132950
4/29/2010Cave Creek, AZ

The-New-Ries-Homeste...14,82619980
4/21/2010Polk/Richfield/Erin/Hartford, WI

The-Season9,497130
4/10/2010Mount Airy, NC

The-Naas-Place10,007200
3/30/2010Pittsburg, CA

Phil-and-Lauras-home13,055400
3/20/2010Tulsa, OK

Southport-NC-Home17,468201281
3/18/2010Southport, NC

Loris24,910110
3/11/2010

Seaton-Station10,195140
3/10/2010Siloam Springs, AR

Backwoods-Project14,248390
3/4/2010Jeffersonville, GA

ICF-in-Ann-Arbor26,161293710
1/25/2010Dexter, MI

DancingPines10,943200
1/25/2010Clinton, LA

Log-Cabin10,530150
1/23/2010indianapolis, IN

The-Kinzel-House9,915100
1/21/2010New Orleans, LA

PahrumpProject17,0135390
1/17/2010Spokane, WA

TheBeachHouse14,58513200
1/16/2010Shoreline, WA

Artist-Haven-Home14,907970
1/13/2010Kansas City, MO

SOPHIA--SAMUELDELAWA...17,32511310
12/2/2009Smyrna, DE

Plant-City-Craftsman16,7804100
11/22/2009Plant City, FL

WestermanFarm11,392130
11/10/2009Dickson, TN

Shane22,437600
10/31/2009San Antonio, TX

ADCountryHome12,8161130
10/31/2009Fort Worth, TX

ICF-Keller-Tx51,149321220
10/6/2009Roanoke, TX

digs24,132100
9/30/2009Tracy City, TN

threegables21,328201340
9/29/2009Hartland, WI

LittleLakeCorner72,6991016040
9/29/2009Groveland, FL

Utah-Casa11,533200
9/28/2009Saratoga Springs, UT

Tornado-Reconstructi...10,993800
9/24/2009Port Neches, TX

toolehouse50,213891450
9/20/2009Reno, NV

Bobs-Blog52,906614140
9/16/2009New Florence, PA

Blessings10,143100
9/11/2009farmville, NC

Schrammelot15,9367900
9/11/2009Pierson, FL

PennsmithLostValleyT...35,776552150
9/9/2009Dripping Springs, TX

River-House10,595220
9/7/2009Clinton, NJ

SantaFe-in-AJ10,340100
8/28/2009Apache Junction, AZ

Dennis-Dream-Home29,978385050
8/27/2009Readington Twp, NJ

Massive-Undertaking11,4981100
8/26/2009Wimauma, FL

Lafayette10,240200
8/11/2009Cramerton, NC

Dream-site-on-the-La...11,019200
8/5/2009La Porte, TX

Williams-New-Home-Si...10,275110
8/2/2009Windsor, NC

Cobblestone-Lane10,364100
7/30/2009Great Falls, MT

PensacolaBeachHouse10,183110
6/22/2009Gulf Breeze, FL

12YEARSINTHEPLANNING10,830120
6/16/2009LADSON, SC

Steinys-Hideaway10,801200
6/9/2009Venice, CA

DreamHome29,439261900
6/7/2009Orlando, FL

CastleHeims20,70821590
6/5/2009Cedar Rapids, IA

Utah-Warehouse10,058220
5/20/2009Fairview, UT

Where-to-start12,379610
5/16/2009Lemoore, CA

Castle-Rock-Lakehous...16,28610840
4/27/2009Necedah, WI

Oleg25,892360
4/22/2009San Diego, CA

MoeCompound10,205340
4/9/2009Camano Island, WA

Huckleberry-Home10,298200
4/8/2009Williamstown, NJ

Vonk24,155100
4/7/2009Zeeland, MI

Small-Timber-Frame14,629110
4/2/2009Central Mass, MA

EatonLoch-Haven11,083110
4/1/2009Roanoke, VA

windowsnsiding10,147110
3/28/2009Long Island, NY

Arkansas-First-Timer25,76439880
3/27/2009Trumann, AR

Back-Home-In-Crisp12,385111510
3/22/2009Ennis, TX

Victor--Susan-0820,282211210
3/17/2009Ruckersville, VA

Rick-and-Tinas-dream...11,614120
3/14/2009Auburndale, FL

Keener-Road13,0094100
3/11/2009Elizabethtown, PA

NC-Newbie10,913100
3/10/2009Boone, NC

MadisonGA11,1391130
2/26/2009Madison, GA

Techbuilt-Scammed12,565100
2/25/2009Rebew, LA

choanne83110,158100
2/9/2009charlotte, NC

WilliamsinVegas33,940301190
1/29/2009Henderson, NV

PhilesBryant12,015260
1/20/2009graham, WA

MortgageSmart10,378100
1/19/2009Cocoa, FL

QuarterlyHouse57,794136990
1/12/2009Orlando, FL

RabbitRun19,704311690
1/11/2009Afton, VA

Sonave-Sunsets10,491120
1/9/2009Yucca, AZ

Heart-of-PA16,0779160
1/6/2009Lewistown, PA

Krusehome11,566200
12/27/2008Lake City, FL

BrunkHouseAlmaKansas15,547260
12/26/2008Garden Grove, CA

Raider-Bills-Tenn-Ho...14,5886320
12/22/2008Largo, FL

Andel-Ranch28,243334020
12/17/2008Rogers, TX

Elijahs-Home11,753460
12/6/2008Vero Beach, FL

ranch-house10,386100
11/25/2008springfield, IL

Howard-Georgia-Retir...15,990670
11/9/2008Harlem, GA

The-Woods-Journal11,259110
11/6/2008Doraville, GA

StansTLH15,9621090
11/1/2008Tehachapi, CA

Kevin--Kerrys-Dream11,521350
10/17/2008Northvale, NJ

Katabatic-Wind12,132470
10/16/2008Huntsville, AL

Elmhurst-Modern13,571120
10/14/2008elmhurst, IL

Accessible-House11,5443100
10/14/2008Munford, TN

Cherry-Valley-Vista10,603120
10/5/2008Duvall, WA

Jon-and-Mollys-House18,201150
9/25/2008Ellicott City, MD

Proctor-ICF11,679110
9/25/2008Fredericksburg, VA

Hawaiian-Bungalo18,015111020
9/23/2008Holualoa, HI

Pete--Rhiannon12,679430
9/19/2008Springfield, MO

2008-Cedar-Ln17,50614350
9/19/2008Seaville, NJ

dmaceld20,67914880
9/16/2008Nampa, ID

Help-with-Goulds-and...12,843100
9/16/2008tampa, FL

Consulting10,251100
9/2/2008Orlando, FL

AlaskaICFREMOTEHouse16,65119380
8/17/2008Wasilla, AK

NC-Pond-House11,719320
8/4/2008Wilmington, NC

MargaritaVilla11,314240
8/4/2008Raleigh, NC

Latest-update12,6288100
8/4/2008Sierra Vista, AZ

ANDREA11,225400
8/2/2008Dallas, TX

The-Ridges13,98811130
7/31/2008Logan, UT

Avenida-Del-Sol15,10613520
7/31/2008Peoria, AZ

dream-home-ohio11,281600
7/30/2008Zanesville, OH

Penetang-Craftsman10,904360
7/27/2008Penetanguishene, ON

Tristan--11,373600
7/25/2008Lebanon, NJ

Dreamy-Design-in-Glo...16,633100
7/9/2008Clifton, VA

need-help-Jim11,835110
7/8/2008Bandon, OR

deltona-fl-custom-ho...12,4504140
7/6/2008Deltona Beach, FL

Ingraham-House-Chape...11,680200
6/29/2008Cary, NC

famborgie10,596100
6/26/2008Lockhart, TX

95821-Addition21,8287140
6/24/2008Sacramento, CA

Cajun-Homestead18,97812930
6/22/2008Lafayette, LA

West-Texas-Ranch-Hou...12,793110
6/18/2008Andrews, TX

Quail-Bluff-Pasco12,6119290
6/10/2008Pasco, WA

Spyders-Web10,509100
6/10/2008Norman, OK

mike-and-tori-darnle...13,040510
6/2/2008Rainbow, CA

Lin-Washington10,543100
5/29/2008Fresno, CA

Capernall-House11,401420
5/15/2008Belleville, MI

Hidden-Valley-Texas10,697100
5/7/2008Southlake, TX

cosdreamhome41,309731470
5/5/2008Colorado Springs, CO

Sowle-Family-House13,194590
4/29/2008South Burlington, VT

Cyberdoc-Residence10,890200
4/25/2008San Diego, CA

Fortune-House10,924100
4/17/2008Mooresville, NC

Joeb28,703400
4/15/2008Oakland, FL

Alvin-House11,156200
4/14/2008LaPorte, TX

Thomas-Home--Raintre...21,220271800
4/9/2008Lee's Summit, MO

Greg--Kathys-New-Hou...12,150200
4/3/2008Barryton, MI

Where-is-Waldo28,26644830
4/2/2008Marion, OH

Nimmerrichters-Fores...10,023100
4/2/2008Waldorf, MD

Mayfield-House10,637100
3/31/2008Mayfield, UT

beamanhouse10,668100
3/27/2008Manistique, MI

Kanak-ICF--Virginia15,432900
3/26/2008Fredericksburg, VA

Sheldon-St15,251300
3/21/2008Orlando, FL

Bert-25,764310
3/20/2008Southern, CA

Our-Ohio-ICF-home21,96620270
3/20/2008Mansfield, OH

ericdc11,167310
3/8/2008Uniontown, PA

EurekaHouse-ICF15,0275150
3/6/2008Berkeley, CA

Superstition-Views15,355281600
3/6/2008Mesa, AZ

Blue-Springs-Project12,8318230
2/24/2008Broken Arrow, OK

Our-House10,512100
2/24/2008Miami, FL

httpownerbuilderbook...13,270830
2/19/2008Clayton, NY

JourneyBackHome10,364100
2/3/2008Oviedo, FL

Collier-Home12,808110
2/1/2008Little Rock, AR

DDs-ICF12,344330
1/27/2008New Smyrna Bch, FL

EurekaMT-Timberframe11,9831430
1/24/2008Augusta, MI

The-Larnerd-House13,4575210
1/21/2008Newport News, VA

Casa-Bella11,287100
1/14/2008Pueblo West, CO

Gordon-Lake-House15,30517510
1/3/2008Oakland, IA

STEPHANIES-DREAM12,50117570
12/30/2007Lower Burrell, PA

Florida-Waterfront-C...14,896310
12/29/2007PB, FL

6158-in-Montgomery-T...11,250410
12/23/2007Conroe, TX

ClearwaterHills13,652260
12/14/2007Paradise Valley, AZ

BobDonna9,927100
12/12/2007Sacramento, CA

AboveTheAppleTree9,920100
12/8/2007La Farge, WI

Casa-Nostra12,188230
12/2/2007Bangor, PA

Building-the-Dream-i...13,720700
11/29/2007Gladstone, OR

Ingram-Fleming-ICF-H...16,309480
11/29/2007Plant City, FL

inniagara9,412100
11/24/2007Niagara Falls, ON

SchnabelEstate10,524240
11/16/2007Avon, IN

WeAreBuildingAgain21,30427560
11/15/2007Orlando, FL

Lake-Pleasant10,483210
11/14/2007Erie, PA

Green-for-Dean10,505100
11/10/2007San Jose, CA

The-Ponderosa12,2748220
11/4/2007Perry, OK

FlagholeRoad10,562260
10/25/2007Franklin, NH

Beckynray11,734300
10/24/2007Powhatan, VA

Spicewood-TX12,226330
10/20/2007Austin, TX

Powderhorn24,094481760
10/4/2007Florida

Luray-VA-1stTimeBuil...14,801730
10/4/2007Luray, VA

kittyfhughesnet10,265250
9/27/2007Noblesville, IN

Scott-Family10,869100
9/25/2007Trinity, AL

Taking-the-Plunge13,3616180
9/18/2007Springfield, OH

RozBuildingAdventure10,741100
9/14/2007San Pablo, CA

Helpful-Tips11,835200
9/13/2007Encinitas, CA

Poplar-Creek-Farm13,7725250
9/10/2007Oakland Park, FL

TheWillemsHome21,4581750
9/10/2007Galloway Township, NJ

ComfortHome11,307200
8/30/2007Dublin, OH

10000-sq-feet36,27522260
8/26/2007La Habra Heights, CA

Bird-house12,4203400
8/22/2007Ithaca, NY

Circle-S_ICF_House35,693462640
8/21/2007Sparta, IL

New-England-Saltbox10,725100
8/16/2007Columbia, SC

RamblewoodatJeterFar...11,5236330
8/10/2007Kansas City, MO

Kraemer-Collinwood-H...11,119200
7/21/2007Delano, MN

BigOakBuilderTX14,726270
7/20/2007Wharton, TX

Johnson-Family-Dream10,977100
7/20/2007Normal, IL

19225-ROBERTSON-ST17,67514250
7/12/2007Orlando, FL

Thattle-Dew-Farm10,923220
7/12/2007Halls Harbour, NS

WindyJ14,88811260
7/2/2007Knoxville, TN

Vistoso-Green-Home12,224310
6/28/2007Tucson, AZ

Lewis-Chapel-House16,423200
6/25/2007Dunlap, TN

father-daughter10,482200
6/25/2007Loveland, CO

davewhite11,448100
6/24/2007Nanaimo, BC

NutmegWedgefieldOrla...12,440600
6/22/2007Orlando, FL

4600SF-Dream-Home-in...14,532410
6/19/2007Mooresville, NC

Coeur-dAlene-Idaho-H...12,304240
6/13/2007Coeur d Alene, ID

Tampa-Bay13,889490
6/10/2007Ruskin, FL

Dream-In-Progress14,332540
6/7/2007Shawnee, KS

todd-in-tullahoma10,851100
6/4/2007tullahoma, TN

TheOwens11,638300
6/1/2007Dickson, TN

Country-Cleaver11,749140
5/29/2007Springfield, IL

South-Dakota-Lake-Ho...12,0276110
5/23/2007Sioux Falls, SD

Gods-Home11,169200
5/18/2007Eustis, FL

hammock11,015110
5/14/2007Martinez, GA

Grove-St-Rocklin11,099300
5/13/2007Orangevale, CA

Gardeners-Delight11,936330
5/13/2007Norristown, PA

Newman-Family11,945100
4/26/2007oralndo, FL

do-over-house12,557200
4/25/2007Roseville, CA

Mountain-Building11,332370
4/21/2007Hiawassee, GA

Alaskan-Log-Home12,644120
4/15/2007Tok, AK

Warner-Dream12,848600
4/11/2007Astatula, FL

RehmannSchreiner13,84218150
4/2/2007Maple Grove, MN

outspokenbikeguy13,4934140
3/29/2007Sanford, FL

SmelltheForest35,735471480
3/23/2007Colorado Springs, CO

PolkCityProject15,1577110
3/21/2007Norcross, GA

DwaynePam11,981200
3/21/2007Normal, IL

cypressknoll11,050100
3/20/2007Palm Coast, FL

candlepower19,037241550
3/20/2007Lansing, IA

Team-Rosa11,926200
3/19/2007Springfield, VA

GLOUCESTER11,606120
3/17/2007Newport News, VA

Ohiodreamhome11,9964140
3/16/2007Reynoldsburg, OH

Gypsy-Love12,480110
3/12/2007Highland, NY

Forrest-Towne11,653220
3/10/2007Brinnon, WA

Dreams-Come-True10,929100
3/8/2007Glen St Mary, FL

Almost-A-Country-Gir...10,936100
3/7/2007Addison Township, MI

BrandonBuildingBlog11,732100
3/4/2007Layton, UT

SafecreteHouse12,981300
3/4/2007Raleigh, NC

newbie-12,081100
2/21/2007North Plains, OR

BuzzardsNest14,331310
2/14/2007Saint Lucie, FL

woodfamilyhome12,446200
2/10/2007Keno, OR

vegascastle11,759100
2/3/2007Henderson, NV

newsteel17,726100
1/28/2007Florence, SC

Dream-Home-200712,255100
1/27/2007Gwynn Oak, MD

DelgadosAdobeAbode12,651200
1/18/2007San Diego, CA

bobindeltona14,871250
1/14/2007Deltona, FL

Highland6412,364300
1/8/2007New Orleans, LA

SmallProjectSilverSp...17,6861020
1/7/2007Silver Springs, NV

BeehlerHome22,60111640
1/3/2007Kalamazoo, MI

eveningshade11,964110
12/25/2006Evening Shade, AR

Bruce in Petrolia, O...11,118120
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We bought the book and we were hooked; we could do this. I am in management, my wife is a superior organizer and we just have the drive to finish things out. So we figured, what the heck, let's do it.
Bob in New Florence, PA



Reading & Waiting (Impatiently)

Posted by Angela in Fort Worth, TX on 10/7/2009 11:29:43 PM

Our schematic design was suppose to be finished last Friday for me to see, but our architect didn't like the way it looked, so she is still working on it. She's been pretty great to work with; she is very patient and understanding and seems to really be trying to figure out what we want. She said she is drawing up two ideas for us, so I'm excited to see what she comes up with.

I've been reading all of Sarah Susanka's books lately on the recommendation of a member from the ownerbuilderbook.com forums. The first book, The Not So Big House got me really excited, everything looked so beautiful and cozy, exactly what I'm trying to go for. Now I'm on the third book, and I feel like I'm reading the same thing over and over. It's all really great, but I wonder how much everything costs. Dropped soffits, differing ceiling heights, sunken rooms... it all seems expensive. It does look beautiful though, and I wouldn't mind cutting back on the square footage. I do feel a little silly asking for a three-bedroom house for our 'future' children when it's just the two of us and we're not even married yet, except that I've dreamt of a room all to myself filled with bookshelves since I watched Beauty & the Beast as a little girl. For now, I'm just trying to relax and let the architect do the work. It's too confusing to try to figure everything out on my own.

We've also silently decided on the land in Blooming Grove. All of the utilities came out costing the same, and there's a water line available; so no need for a well! The only thing I haven't been able to cost out is the price to bore under the FM road to bring the water line to our side. No one can give me an estimate or even a price range except for "at least a few thousand dollars"! I've requested for the water company to put in a work order to get an estimate, since they won't give me the number of the subcontractor that they will use. I'm not holding my breath for that one to come through fast.

Now I am contemplating ordering a private appraisal on the land for a few reasons. 
#1. I'm pretty sure that it's overpriced. They are asking $4,200 an acre when according to a local bank loan officer that I was interviewing for land loans, nothing has sold in that area for more than $3,500 an acre. There is no recent appraisal done because it has been in the family for 70 years before being bought by the current owner a couple of years ago, and I think the seller knows it's not worth what he's asking so he won't get an appraisal to confirm that.

#2. If it does happen to be worth what they are asking or more (which I doubt) I will be the only one receiving the appraisal, and might be able to offer them 80% of the value (regardless of asking price) which would eliminate the need for a down payment, since my employer's credit union loans 80% of land value, not just selling price.

Then again, if it turns out to not be worth what they're asking, I can offer full value, but we will still have to come up with the 20% down payment that other banks require who loan 80% of selling price. I just hate not knowing the appraised value to be able to decide which bank to go with, and how much money we need to save before applying. For $400 the peace of mind might be worth it. I will have to call the bank in the morning to see if they will use the appraiser I got the quote from or their own.

I spent three hours today calling around to different banks, mortgage companies, and credit unions to try to find someone with a lower down payment requirement than 20%. I found multiple places online boasting of 100% lot loans only to call & find out that they don't do them anymore. The economic downturn is finally affecting me. I haven't been touched by the recession as a nurse at a hospital until this and the recent announcement that we won't be getting our merit raises this year. At least I still have a job and the resources to build a house. I did find one credit union that is still doing 100% lot loans. I got SO excited... until they said that I or an immediate relative had to live in the area (southern TX, but not all the way south to Seguin where my grandparents live) to be a member to be able to apply for it. Dangit! At least I tried.

I also downloaded the National Cost Estimator free 30-day trial and man, did it make my head spin! I don't know if I can figure out all of the required components to accurately estimate my house, but there were a few general guidelines, like an electrical 'rule-of-thumb' for $$/square foot. That should get me started, and hopefully prevent me from being ripped off. But then again three+ bids for each thing should prevent that as well. I'm getting ahead of myself a little bit, I should probably wait for my plans to get finished.  :)






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