Welcome ! to Steps to Building Your Own House

I decided to create this blog to document and provide useful information to anyone who has decided to head down the path that I did, and build their own house. This will be a true, real life, hopefully day to day as it transpires update, as I skate threw the maize of contracting this house on my own.

Before we start I would like to give thanks to my cousin Allan who was instrumental over the years in nudging me towards this decision and who is presently active on a daily basis in helping me on the crucial day to day details .

I would like to also thank my wife JoAnne for realizing that we could do this together and thank her for having given her blessing to this endeavor as well as her organizational skills and help in the decisions that we have made  and will be making along the way.

Last, but not least thank you Guy and Gladice ( My Father & Mother in law ) for all the help and for having opened their home to us as we build this dream home of ours.

So here we go, follow along and I do hope this inspires you to get out and just do it !

Cheers

Pierre Kitts

Steps In The Excavation Process You Need To Follow

During the first steps in excavating you will have several keys things that will have to be completed. One of the first is finding the main city water line and connecting a 3/4 inch copper supply line that will be used to feed the house with potable water. As can be seen by the photo it was excavated below the frost line since being out east we do not want a frozen water line during the winter.

Steps In The Excavation Process You Need To Follow

Water main supply line in copper

You will also notice that the line is flexible providing us with the ability to move it into the proper position within the foundation wall to our exact location that we chose prior to the start of the process. The second part is connecting the pluvial. Pluvial you say? Our area was somewhat damp and the city imposed that the developer install a pluvial to help the exit of unwanted water around the house helping the french drains be more efficient. Having connected the french drain to the pluvial and having it exit the foundation threw gravity at the proper slope eliminated the need for a sum pump. A back up valve was installed after the exit of the foundation preventing any water from penetrating the house if the city pluvial portion should go wrong.

Steps In The Excavation Process You Need To Follow

Pluvial 4 inch connection to city and water main

Once these crucial steps are completed we started the excavation of the foundation.

First step Excavating Your Lot

Now that you have your permit and a budget for financing, its time for the first steps in building your own home and that’s excavating your lot. We received 2 quotes and yes I know 3 would have been better but the circumstances were just right let me explain.excavating our lot new house construction

At times there is chemistry and issues that dictate you move your project forward. In  this case we had received and communicated with a first firm for excavating our lot but he was also interested in doing more then just the  excavation.

This firm was one of the several companies that were accredited to install the septic system we had chosen ( Bionest ) a more sophisticated unit that would be appropriate and in keeping with our perk test results. This firm also quoted on the foundation of our proposed bungalow.

Now the more quotes the better, however you have to be able to sort threw the details in quotes to make a sound apples vs apples analysis. Once his quote came in and after we looked at the details by calculating the cement used and our cost of cement we determined that his price seemed high. So My cousin Allan called a friend who is a major excavator in this area and land developer and provided another rate for excavating the lot and the specific septic system we needed as per the perk test results. Well it  seemed that the first excavator was nearly $ 7000 more expensive. Needless to say we went with our second choice. He was to start the following week.

If you have never seen the detail in an excavation quote ours read like this:

OFFER OF SERVICES

RESIDIENTIAL CONSTRUCTION

Description of Work:

Inclusions:

  • Excavation of basement area for the footings of residence.
  • Transport of eight loads of stumps to dump included. Extra loads will be charged @ 125.00$ per load.
  • Backfilling after cement walls are poured. Rough grading only.
  • Installation of the water line from the property line to the basement. Includes 3/4” copper line.
  • Supply and installation of the French drain.
  • Supply and spreading of gravel (3/4” clean), over the French drain and external perimeter of the footings.
  • Supply and spreading of gravel (3/4” clean), around the internal perimeter of the footings leveled with the top of footings (sixty tons included).
  • Filling of the garage area, with sand excavated from basement. If the quantities excavated are insufficient, sand will be brought in as an extra charge per load.
  • Supply and installation of the septic system, type “Bio-Nest SA-4”, including concrete tank (3.9 cubic meters with prefiltre), septic field of 44 sq. meters and municipal inspection. Pumping station is required according to plan provided but we will try to eliminate the need for a pump if possible. Septic system is as per plan supplied by client’s consulting engineers for four bedrooms.
  • Supply and rough grading of two loads of gravel (30 tons included), to facilitate access to job site.

Exclusions:

  • Backfilling to final grade condition.
  • Surplus quantity of gravel to obtain finished driveway (thirty tons included) or in the basement (sixty tons included).

  • Removal and transport of any surplus excavation material OR supply and transport of any surplus material needed on the job site.
  • Extra sand to backfill house and septic field.
  • Excavation in bedrock or large boulders is to be charged extra.

Terms and Conditions:

Cost:

  • The price is:                                                                       $15,760.00
  • Pumping station:                                                                    $900.00
  • All taxes are extra.

Method of Payment:

  • At completion of backfilling of basement                        50%
  • Final installation of septic system                         Balance

Additional Charges:

  • Gravel for driveway (60 tons approx) @ $18.50 per ton.

Cost: $1,110.

  • Gravel for basement (30 tons approx) @ $20.50 per ton.

Cost: $615.00

  • Sand for garage and backfill (250 tons approx) @ $13.00 per ton.

Cost: $3,250.00

Estimated extras: $4,975.00

How To Finance New Home Construction

From the start once you plans have been chosen, and you have a budget financing this project should be a priority unless you are the fortunate few who have no mortgage. How to finance new home construction was an entirely new concept to us and found out quickly that not all banks are warm and fuzzy to the concept.178/365 - Don't Be Blinded
Creative Commons License photo credit: gettattoo

Our community is full of new home construction and one bank stood out from the pack and embraced the concept to the point of having an individual who even comes to your home to explain the process and establish if your are a good candidate. This bank was the National Bank of Canada.

If your are planning to contract your own home then be ready to have at least 30% of the cost of the project in cash on hand. This is just one of the criteria the bank will evaluate from the start if your are planning to finance new home construction. A budget will have to handed in that is well organized but not to detailed, as well as your home plans so that their specialist can evaluate the value of the home once finished.

Upon completion of those steps you should be approved. Now from our perspective, we found that a bit more cash on hand was appropriate given the need to purchase the lot first and that 50% makes it very comfortable cash flow wise, but, that with the required 30% it can be done, but here is a word of advise.

The disbursements are as follows and each bank is different. 30% upon completion of the foundation, 30% enclosed ( structure, windows, and gyp rocked), balance due upon completion of trim door & fascia and exterior and any decks and stairs with a hold back of 10% for 30 days.

The issue is that the first disbursements require that the banks inspector comes by to inspect the progress to determine if the % achieved is appropriate, secondly you must see a notary to complete the legal process . This first installment takes time at least 2 weeks so make certain that you are not up to your neck waiting for cash.

Upon completion of all the disbursements you basically have a demand loan at what ever percentage you negotiated, from there the bank comes in confirms and re evaluates the finished product and provides a mortgage on your home.

Where Will You Live While Building Your Own House ?

If you are in the same predicament as us and most people who sell their home. Where will you live while building your own house? Well just to give you a little history. We sold our house in February and decided right  there and then that it was now or never build or purchase and therefore we started on our quest to building our own home.tigre
Creative Commons License photo credit: ChazWags

Now this dispels all of the traditional advice that you need a minimum of 6 months or more to organize, plan and get quotes on your project. We just dove write in. And so far, so good. Now back to this whole issue of where to live.  At first, we looked in the area where we where building to rent, and quickly figured out that not many individuals would rent for only 4 to 5 months, and if they did , well, we wouldn’t live in it. Most were dirty and just not our cup of tea.

So the idea was brought forward to rent a trailer. My parents in law had enough land and the bylaws of their municipality did not prohibit it. So off we went to see these large RV outlets and were proposed the rental of a 30 foot tip out ( Recommended ) Fifth Wheel RV. They would even rent us a new unit at that. Are you sitting down. A wopping $ 2000/ month plus tax minimum 4 months. We knew that the building process could last as long as 5 months so that’s $ 10,000 plus tax.

Despite the price, it did make sense for short term logging, however my father in law suggested we purchase a used RV that we could re sell for almost the same price that we purchased it for the next season. There is a huge market in the spring for used trailers in good shape. So we went off and looked at Craig s list and other such sites and fell upon a few on KIJIJI free local classifieds.

Well, finding a good trailer is imperative for resale and the good ones go fast, however with Guy my father in law who knew enough to be able to inspect the trailer for any major issues, we found an all original  27 foot fifth wheel with tip out for $  9750 and jumped on it.  The previous owner had even constructed a flat support  that was attached to the rear of the trailer to place a gas operated generator  just in case he was not near any electricity. That generator ( Which was almost new) would come in handy on the work site. So we scooped it up on the premise that we could try selling it at the end of the season, or even next spring, a better time to sell the unit for about $ 9000. Now that made more sense.

Cost To Build A House

The cost to build a house is one of the other pieces to the puzzle that we had to tackle early on. At first its quite intimidating but what I did was to put my nose to the grind stone and found a well organized and detailed list of the different phases of a build and used excel to run a spreadsheet. Here are the general headings I actually used to forward to our bank in order to process our construction loan

New House Budget
Septic
Excavation
Founda.Cem.Tar.Pump.Rebar.Stone
Framing Labour
Material Rough
Floor Joist & Truss
Roof – Install & Material
Windows & Doors
Plumbing Rough
Plumbing Material
HVAC
Electrical
Fireplace
Masonary, Siding & Facia
Insulation Attick
Drywall,Plaster & Paint
Ceramic
Kitchen and Vanities
Central Vac
Flooring
Light Fixtures
Staircase
Interior finish doors and trim
Landscaping& Irrigation
Clean up
Integrated Sound
Wire ring, Cable, security
Driveway
Fascia& Sofit
Parging
Gutters and Down pipes
Total

Now how did I get to fill out any numbers? I used several approaches. Let me explain. I used the cost approach as well as quotes that I had already started receiving which really is the best approach. But to keep everyone honest I used the cost approach just to get a feel of how much the trades were making. As an example lets look at the footings and foundation.

I purchased an excellent book that I highly recommend The Complete Guide to Contracting Your HomeCost To Build A House it laid out exactly the formula in an easy and concise manner on how to estimate the number of yards of concrete that I was going to have to order. With this I had a good feel for the cost of my foundation and footings without labor, providing me with additional information needed to evaluate foundation contractors.

In so far as material rough costs, I suggest you head to your nearby construction supply yard. They, armed with your plans will do the take off of your house from top to bottom on every thing you will need in materials to build your house. That is where I got my shingle costs and added the labor from the roofing contractor that provided the roofing costs as a budget in my case $ 15,000.

Just continue along and investigate each line item and get informed. I found this site OntarioContractors.com that provided a good guide for estimating labor for example to install and joint gyp-rock.

Getting Your Lot Surveyed And Approved By Your Municipality

Now that you have purchased a lot, and have a perk test in hand, your surveyor will received the details of the perk test and the septic design by the soil professional and will orient your house  on the lot.

We did this with our designer Dave Croydon and visited the site several times to get a feel for the sun and the way it traveled over our land from East to West. Word of caution here about the orientation of the home on your lot. My wife and I were at home on a Sunday morning after a week of getting all the documentation and orientation in order so that we could get the details together for the last phase prior to submitting the plans, the perk test and stamped drawings together for the application of the building permit, when we received an email from the surveyor indicating that our house did not fit on the 31,000 square feet of land we had,we were astounded and bewildered.

You see our land was pie shaped and a corner lot and was somewhat irregular. Seems that when you include the buy law boundary offsets which in our case were 40 feet from the front, 20 feet on the sides and 50 feet in the back that our house’s corner was off by a small bit encroaching on one of the boundary offsets that the municipality had cast in stone.

Needless to say we had a bad rest of the weekend but our designer Dave did not seem dismayed. He came over the next day and did what I called his rotational magic and rotated the house on the lot just a bit in such a way that it fit and we had 6 inches to spare a little tight but approvable.Getting Your Lot Surveyed And Approved By Your Municipality

So back to the surveyor with our new positioning and finally all was fine. We then provided in our case, the perk test septic design, the stamped drawings of the new home design, and the overall plan concept, with the house on the lot & the septic on it as well as all the boundaries offsets and the applicable fee that was set by a minimum fee plus an additional costs that was determined by the square footage of the house. We then waited for the approval.

Some people were saying 2 to 3 weeks but in 1 weeks we had the permit in hand that gave us a year to build. Now there was a deposit of $ 1000 that was withheld in case we did not provide a final certificate of location ( which should be included in your initial price from your surveyor ), which would be refunded upon providing one , once the house was complete.

We were off to the races.

Choosing Your Lot To Build On

Choosing Your Lot To Build On

Lot prior to construction

Choosing your lot to build on is a crutial part of this process as crutial as getting the foundation in straight. This part of your journey is very important so take your time.

Despite what everyone will say check out as many new lot developments as possible. Get acquainted with the sun orientation onto your land and the effect it will have on the house. You will want as much southern exposure as possible, but this can also become a personal opinion as well.  We have always opted for crescents where children are safe from traffic, and there is less noise. Better for resale !

Compare prices, and services available. In our area, some lots have sewage and water & are smaller in size, some have only water, where a septic system is required, others no water no sewage were you are required to supply both ( drill for water, and get a septic approved and installed).

We found a great lot that was a crescent in a quiet development had 31,000 square feet of land plenty to put a house on you would think but no sewage. We pulled the trigger and purchased it. Now typically I recommend that you do a perk test first.

What is a perk test you say?  Well you hire a professional who does tests by sampling around your lot the consistency or type of land you have and its permeability for septic use. In other words how permeable and wet the land is. This will determine the type of septic you will require.

Now generally they go around your lot and screw in a 5 ” tube and look for the water table. Since ours was at 3.75 feet it was considered high which is what we did not want. Now usually you would do this test before purchasing, we secured this lot quickly for various different reasons that forced us to do so. Anyways no real issue, as the dry lots get purchased first, the demand supply dictates what is available.

Anyways new stricter environmental laws will be dictating more effiecient septic systems, which is what we had to install, costlier as well but at least we feel better about the efficientcy of the system and its good use towards the ecology and the water table below.

If you are strapped for time and need to do a quick and durty perk test to at least see for water just dig a small whole to 4 feet or more and measure with a tape the depth at which you see water. No water at 4 feet plus, standard septic system( your municipality will dictate this and have a law in place with its minimum practices so go and see them to get the details, be informed ), you will know right there and then if the land is up to your standard, avoiding the $800 to $ 1000 test that is required before purchasing.Wisconsin Pump Station Survey Pics 008
Creative Commons License photo credit: Sunburned Surveyor

Now dont get me wrong here, you will need the test done anyways once the land is purchased. The proffesional who does the test does the septic design and recommends the type of system to be used that then has to be provided to the surveyor who then applies for your building permit with a basic plan outline of your house and the septic and the various boundaries that are applicable by law in your municipality or Province or State.

Once that done you are off to get your permit to build your new home!

House Plan Design and More

Now that you have an  idea of what type of house you would like to build and have found the plans online at one of the online house plans websites like Eplans.com . There is another stage or route that you might head in and that is getting your House Plan Design done by an architect or design service.House Plan Design and More

Here in Quebec they are licensed and called technologues, and most municipalities demand that the House Plan Design be stamped and approved by them or an architect. We decided to go that route and found a local designer who did a fantastic job named Dave Croydon who lives in nearby Hudson,Quebec. In a matter of 3 weeks we had working plans in hand. We now had our dream home design that took the ideas that we liked in our previous 4 homes and added that to the mix that we found online with Eplans.com.

Some of those concepts were:

Placing the master suite, walk in and master bath in one wing and having the children or visitors in another. As well, since mosquitoes tend to be an issue around here for a couple of weeks during the summer, we had a screened in porch incorporated. The layout was to be somewhat open and we were dead set at having access from inside the garage to the basement via a set of cement stairs really useful I might add.

Another nice design touch was to place a double sided fireplace ( Gas) at the end of the living room in the middle that  provides for an intimate sun room behind it. The laundry area was placed near the garage in the east wing away from the master area to assure that noise would never be an issue.

We really liked the idea of having a large vestibule to be able to great guests in, which was one design concept we incorporated as well. All in all our House Plan Design was a success.

How To Design Your Own Home

One of the first things we did once we made the decision to go ahead with how to design our own home was to go out on the WWW and start looking at house plans. We had already narrowed down our search knowing that we wanted a bungalow. Why? Well we had just owned one and loved the one floor concept. The bungalows of yester year don’t even compare to the newly designed 9 foot high ceilings that are part of today’s bungalow designs.Free coiled tape measure healthy living stock photo Creative Commons
Creative Commons License photo credit: Pink Sherbet Photography

So we went off and found a few sites that we keep going back to for the quality of the plans they offered and their ease of navigation and the way that they saved our choices internally. One that we liked was Eplans.com. You will have to save the plans in an organized fashion and be able to find and return to them regularly by the way, and I do mean regularly.

Once we had a few plans that we liked my wife JoAnne cut up the sections of house we enjoyed and pasted a new design together. After a few tries we finally came up with a concept we really liked.

You don’t have to go threw this process in how to design your own home, you may well find what you like at any of the online plan websites we suggest right out of the box. However we felt that this process worked the best for us.

Now that we had a good feel for the house at this point we discussed the house  use and flow together, and reorganized a few things. Guess you could call it tweaking it a bit.

How to design your own home is not a 1 hour process. This was something we went back and forth with for a few months when we had time to discuss it. The process I am certain will vary with each individual, but in a nutshell it worked for us.

So now what?

Well its time to get an idea of what you can afford as a house and how much will it costs to build. A subject for a new post I guess. See you then.

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