| Breaking Ground: Choosing the Builder and Lot |
From "Home IQ" episode DHIQ-102 |
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 In DIY's new Home IQ series, you'll follow the Oberg family during the decision-making process of building this beautiful new home.
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 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.
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 Figure A
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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: - Select plans. The Obergs looked over countless plans until they settled on what they wanted for their new home.
- Choose a builder. Recommendations from other homeowners were important in this particular selection process.
- 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.
- Secure building permits and permissions before construction can begin. Before any work can begin, the builder must obtain township approval and building permits.
- 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.
- 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
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