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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.


    3-18. Finish some of house later. - Electronic Edition

    3-18. Finish some of house later. - Electronic Edition
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     It’s not my preference to only finish part of the house before moving in. I really prefer to be done with the project and turn my attention to other things. But some O-B’s thrive on continuing to build and finish, and they clearly save money doing so.

     By taking it in stages, you can save on taxes, loan fees, permit costs, and interest. When you apply for a loan, you pay a fee on the overall amount. If the scope of the project is initially smaller, you pay a smaller fee. Permits with the local building department are the same. The costs are based on the gross project dollar size. Later, when you are building, the carrying cost of the gross cost comes through as interest. You can reduce this amount by taking the project in steps.

     Another variant on this strategy is to move in early. Even though the defined living quarters you are building are not finished, you can get in a bit early and save money. You save by shutting down the lodging costs you are paying elsewhere and by turning off the construction loan and its interest and beginning on your permanent mortgage payments at a lower interest rate. Some municipalities let you occupy before things are really finished, others insist that every last lick is in place before issuing the certificate of occupancy. Owner-builder Kevin W. lived in one of the former types of areas:

     “The area I will be building in does not require finished floors and painted walls to obtain occupancy and only one bathroom and kitchen must be operational. That means I can do the painting, flooring, and baths 2-4 after move-in. This saves cash and time as I see it.”

     Check with your building inspector as to the exact requirements you must meet.

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