Question 1

Will I need permits to build a home?

Accepted Answer

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Yes, new home construction will always require building permits, no matter where you live. In most cases, you’ll need a general construction permit, along with plumbing and electrical permits for the utility lines in your home. Depending on where you live, you’ll likely find that you also need permits for things like connection to a sewage system or installing exterior components, like decks, driveways, patios, and curb cutouts. Leave navigating the permits required for new home construction to a professional to ensure your home is built legally and safely.

Question 2

How hard is it to buy a house for the first time?

Accepted Answer

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Several government-backed lending programs can help first-time home buyers purchase a home with little money down. FHA, USDA, and VA loans are options for qualifying borrowers, though many conventional mortgage lenders will lower down payment rates to as low as 3 percent.

Question 3

What is the difference between a land survey and a land appraisal?

Accepted Answer

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A land survey gives you information about the property boundaries, easements on the plot, dimensions, and, in some cases, topographical information. A land appraisal will often take these figures into account, but the purpose of a land appraisal is to determine the value of the land rather than the physical specifications.

Question 4

Who does a perc test?

Accepted Answer

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Soil testers and licensed excavators are often the professionals you hire if you need a perc test. In some cases, structural engineers will also be able to conduct the test for you. In many municipalities, you’ll need your professional on-site to dig and fill the holes with water, as well as a representative from your local building department or health department. That representative is the individual who will determine whether your test passes or fails.