With the prices of traditional homes going up, up and away it can be difficult for potential homeowners to fulfill their lifelong dream of buying their own homes. With so many things to take into consideration, going the traditional route can be a daunting prospect, which is why the concept of kit homes is welcomed with open arms and lots of enthusiasm.
However, some people are also equally daunted by kit homes, primarily because they do not have a clear idea of what is involved, what you need to do to get one and the general processes involved in getting one. First off, you need to know that there are four categories of kit homes and they are as follows: log homes, panelized homes, timber-frame homes and geodesic homes. Log homes are usually made from Lincoln-type logs or milled logs.
Panelized homes are, in the method of construction, involve wall sections and roof trusses being made in the factory before they are shipped out to the preferred site for assembly. These days, panelized homes can be made with structural insulated panels, meaning the walls are assembled with the insulation and wiring already built in so that all needs to be done is to bolt them in place.
Timber-frame homes as well as the latest variation which are steel-framed homes, are strong skeleton framework used to hold up the house and is preferred by most people because it can be easily customized to suit any taste. Geodesic homes are energy-efficient homes constructed with hundreds of triangular panels that allow plenty of room in the main floors and the loft, also allowing lots of light and vault without wasting space.
As far as what you need to do to get one, when you go to manufacturer websites, they are usually able to explain what paperwork or documentation you need to get in order to be able to construct your kit homes, the first of which would be getting council approval. You need to take note that council approval rules and regulations vary in each state so you need to have prepared and ready for anything, including application fees and charges that also varies per state.
In addition, to get approval for you kit home, you will also need to enlighten yourself on building codes and the design layout compliments on your block because first and foremost, these rules were put in place to maintain the aesthetics of the area. You will also need to do soil tests and contour plans to see if your foundation is level enough for construction and your chosen kit home manufacturer should be able to recommend qualified professionals to do this for you.
Then of course, you will need funds. As a general rule, you need to be able to pay for at least 25% of the kit and use an approved builder in order to be granted a loan, which will be released in progressive increments to the builder you hire for the job. First-time home buyers are usually allowed to borrow up to 90% of the value of the land plus the cost of construction.
Most potential homeowners prefer to build their kit homes themselves, especially if they have more than sufficient construction skills. Before you go ahead and reach for that hammer though, take note that you need to get an owner-builder permit and to get an owner-builder permit, you will need to first go and complete owner-builder classes. These classes center on workplace safety and teach you about the stringent workplace safety procedures that you need to follow. Getting a permit will also increase a lender's confidence about letting you borrow money.
And lastly, kit home manufacturers will also explain to you about inclusions, that is to say the materials included with your kit home. Basic kit inclusions would be council plans, construction plans and specifications, an accessories schedule and an engineer's certification covering structural aspects including detailed drawings showing all hold down requirements. All kits will include a comprehensive construction manual, but depending on whether you purchase a basic or full kit, you can also expect pre-fabricated roof trusses to the basic bathroom fixings like the toilet, vanity, bath, shower base, etc.