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Home Building questions, answered by experts

You can’t add home addition costs to an existing mortgage, but you can include them in a new mortgage if you take out a rehab loan. Rehab loans—FHA-backed 203k loans and conventional rehab loans—are for more than the value of a property, and the excess is meant to cover the cost of a renovation or home addition.

To qualify as a guest house, a structure needs to meet your local building code requirements. In some locations, a guest house must be a separate residence from the primary home. In other locations, you may be able to connect the two buildings and still call the second building a guest house. However, a structure doesn’t often need a minimum size to qualify as a guest house.

It is a good idea to check in with your local city and state regulations before committing to building a shipping container home no matter where you live. This concept is pretty new across the country, and many places won’t let you build one.

The International Code Council (ICC) offers guidelines for home builders on the safe use of ISO intermodal shipping containers repurposed as building components, which can be helpful to review when planning or designing a shipping container home.

In the U.S., original and converted carriage houses are most often found in New England, New York, and other parts of the Northeast. New construction carriage houses can be found across the country, and are often added to properties with Colonial-style homes for additional living, storage, or work space, although they can be found in many different styles.

The construction stage, which includes pouring the foundation, framing the structure or building the walls if you choose a concrete house, and installing doors, windows, a roof, siding, drywall, and flooring, will almost always take the longest. The planning phase can take just as long if you’re building a custom home, but the finishing process, which includes painting, installing trim, and finishing the interior, will rarely take longer than the previous two phases.

The Copiague, NY homeowners’ guide to home building services

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