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Lance in Buena Vista, CO0.002

One day I bought a stack of books online, among then The Owner-Builder Book. Inside I found much encouragement from real people who had done what I was thinking of doing.
Bob in Chapel Hill, NC

Try one of our new Construction Bargain Strategies for free. Coupon code: CBS. One strategy could save you $1,000 or $10,000 or maybe $50,000 when you build or remodel.


    1-19. HELOC for land purchase - Electronic Edition

    1-19. HELOC for land purchase - Electronic Edition
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     We bought land for $28.5K on which to owner-build. It had sold for $18K the year before. When we built, it was worth $55K. Later, it was worth maybe $350K. That's an appreciating asset, and an enormous savings for a far-sighted O-B. Our first HELOC was for $25K on our new house. Later, we established a HELOC at $50K, still later at $100K. None of these cost any money in fees. The interest rate was low, it was extremely convenient with the local credit union, and amazingly the federal government makes it tax deductible! Many people discovered this during the boom years, and bought toys like boats and RVs with their equity loans. When the economy crashed, it was no fun being upside down in a house and having depreciating assets to make monthly payments on. Only use such a loan for appreciating assets or emergencies. That way it's great peace of mind.

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