HOME BUILDING Index
Custom Homes
Electrical Systems & Wiring
Garages, Basements & Attics
Heating & Cooling
Home Exterior
Home Interior
Inspections & Codes
Insulation and Energy Efficiency
Plumbing
Rooms
Sewerage & Septic Systems
Site Preparation
Other

BEST OF HOME BUILDING
Best Built Zone
Home IQ
Heck of a Deck
Weekend Projects
Home Renovations
Be Your Own Contractor

SPONSOR LINKS

  • Breaking Ground: Choosing the Builder and Lot
  • From "Home IQ"
    episode DHIQ-102


    PHOTO

    In DIY's new Home IQ series, you'll follow the Oberg family during the decision-making process of building this beautiful new home.
    PHOTO

    In this week's episode, the Oberg family hires a surveyor, choose a builder and get to check out the lot where the house will sit. This is Brad and Lynn Oberg (right and middle), the homeowners, with the builder they chose, Hank Swierczynski.
    PHOTO

    Figure A
    In this first segment of the second episode of DIY's new Home IQ series, the homeowners, Brad and Lynn Oberg, choose their builder and choose the lot where their house will sit. After hiring a surveyor to survey the site, the builder gets township approval and permits to build. The Obergs secure their financing and viewers hear from the builder who explains the type of loan they have taken out. We learn what escrow is and see the closing meeting where the Obergs sign lots of documents. With the financing secure, the Obergs begin to make their selections from an extensive list of items given to them by the builder.

    Before any ground is broken or dirt moved, the Oberg family must accomplish the following:

    1. Select plans. The Obergs looked over countless plans until they settled on what they wanted for their new home.

    2. Choose a builder. Recommendations from other homeowners were important in this particular selection process.

    3. Find a lot. With the builder's help, the Obergs found a great lot in Ehrman Farms, a subdivision of Cranberry, Pittsburgh. The lot (figure A) has natural beauty and provides the family eye-catching views. One challenge, however, is that the lot slopes dramatically down into the woods, which will require major excavation.

    4. Secure building permits and permissions before construction can begin. Before any work can begin, the builder must obtain township approval and building permits.

    5. The builder must hire a surveyor to make sure the house will, in fact, fit on the lot. This step is vital because the survey papers must be included with the application papers that the builder takes to the township's municipal center to file. The papers will include the following:

      • Specifications (two copies),
      • approval letter from the land developer,
      • insurance information,
      • information concerning the special insulation that will be utilized with the Oberg's new home,
      • copies of the drawings and blueprints (two copies) and.
      • the permit itself.

    advertisement


    PHOTO

    Figure B
    PHOTO

    Figure C
    1. The plans and application are then inspected by the township, and when everything passes code a "building permit" (figure B) is issued to the builder.

    While the builder is securing the building permit, Brad Oberg works to secure financing for the construction. If all the paperwork is done properly, the approval can be done on the spot. This type of loan is called a "construction" loan, and it's basically a method of progressively paying the builder during the "course" of construction. Note that the builder must perform his work first, and then at various stages -- to be determined by the builder and homeowners -- he is paid. Once these isolated stages of work are completed, the builder contacts the bank to inspect the work. The homeowner (the customer in this case) is also contacted in writing to have them sign off on having the bank pay the builder for the specified work. The bank will set up an account with all the funds that will be needed for the construction. This is what's known as an escrow account.

    Once the township approves the plans and the bank approves the loan, all parties meet for the "closing" meeting (figure C). During this meeting, the bank agents, the realtor, the builder and the homeowners sign multiple copies of the final contract.

    Now the ground can be broken and the construction can get underway!


    RESOURCES :

    Tuff-N-Dri® Basement Waterproofing System
    Tremco Barrier Solutions, Inc.
    Website: www.guaranteeddrybasements.com

    Land Excavation
    Crea Excavating, Inc.
    1315 Pleasant Hills Rd.
    Wexford, PA 15090-6807
    Phone: 724-935-2959


    GUESTS :

    Brad and Lynn Oberg
    Homeowners
    Company: IBACOS (Brad)
    Title: Co-Founder/Chief Technology Officer
    Website: www.ibacos.com

    Henry (Hank) Swierczynski
    President
    Hendolhurst Homes
    955 Markman Park Rd.
    Baden, PA 15005
    Phone: 724-935-5658
    Fax: 724-935-0884
    E-mail: buildm@zoominternet.net

    Greg Allen
    Site Supervisor
    Hendolhurst Homes
    955 Markman Park Rd.
    Baden, PA 15005
    Phone: 724-935-5658
    Fax: 724-935-0884
    E-mail: gcrbs@adelphia.net

    Debbie Mondell
    Mortgage Consultant
    Sky Bank
    700 Lawrence Ave.
    Ellwood City, PA 16117-1932
    Phone Direct: 724-758-1722
    Phone: 724-758-5568
    Fax: 724-758-0279
    E-mail: mondel@sky-bank.com

    Jim Sperdute
    Surveyor / Project Manager
    Sperdute Land Surveyors
    108 Deer Lane
    Harmony, PA 16037
    Phone: 724-452-4362
    Fax: 724-452-9357
    E-mail: pasurvey@zbzoomnet

    Anthony Grisolia
    Building Performance Specialist
    IBACOS, Inc.
    Website: www.ibacos.com

  • ALSO IN THIS EPISODE: