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Taking the plan from blueprint to dream house : A builder may provide a ballpark estimate of construction costs from a study plan, but he or she should consult the working drawings to give a more accurate figure. Many variables can affect the bottom line, including the choice and availability of materials, labor costs, choice of finishes and degree of detail. Ask several contractors for competing bids. If you've got the vision but not the bankroll (at least at this time), it may be wise to choose a plan with bonus space that can be built out as finances allow. Be sure to allot a portion of your budget to landscaping and finish details. Architects and interior designers recommend that you don't skimp on the seemingly small stuff. Higher-quality trim and building materials may trump extra square footage. "Good, insulated windows may be costly initially," Martin says, "but over the long run, they're going to save you money on your power bill." Crown moulding and custom cabinetry can make a stock plan feel like it was designed specifically for your family. After all, it's the personal touches that make a house feel like a home.

Modular Home Plans : Modular home plans are largely popular because they are inexpensive and result in homes that are easy to build and place just about anywhere. You can find modular home plans to meet just about any need. Most are one story homes or ranch style homes. Modular home plans are also popular because they can be built quickly and do not require extensive detailing. These plans are great for those wanting to build a starter home, but not wanting to break the bank while doing so. You can find many of the same features in a modular home as you can in a traditional one.

In addition, good stock plans come with a detailed inventory, which you can use while you're developing out your dream house. This is important for two reasons: you can look at the materials used to build your house and determine whether your budget will stretch to accommodate them, and you can get a very good idea of where to upgrade and downgrade materials.

Square one : The real estate agent's mantra "location, location, location" rings true even when you're building from scratch. From privacy to orientation, your lot is likely to influence which plan you choose. "Theoretically, it's best to start by finding a lot because then you'll have a clear idea of what square footage will and will not fit on the property," says Robert Martin, Architecture Editor at Southern Living. "It's a dangerous proposition to try to gooseneck a house into a lot that's really not ideal for that plan."

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