Posted by ss55 on April 20, 2012 at 16:48:37 from (173.26.32.153):
In Reply to: O/T:Building a house posted by c-man on April 20, 2012 at 14:19:58:
It depends on your goals and your families needs.
Interest rates for home loans are near all-time lows. Material prices have stabilized due to low demand. Builders and contractors are looking for work. If you have the funds/cash-flow available now the builder's market won't get much better than it is now.
It helps to be able to pay-off any home loans before you retire and your income drops.
If you will be your own contractor do your homework to the smallest details and consult with others who have build recently as sanity checks. Check into septic system requirements, loan requirements (talk to several banks) and get estimates of future property tax assesments.
A new home will be larger than your mobile, but it may cost less to heat and cool. Your families comfort and convienience will be infinetly better.
If you lived in a 25 year-old mobile home you already know how to sacrafice.
Look into your other alternatives: Repair the existing mobile home; Trade-up to a newer mobile home; Move existing home to your site (plan to replace all sheet-rock, all shingles and maybe the siding as they will all be loose or cracked); Build a new home; Move to an existing nearby home and commute.
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