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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."

If you find a house plan that you love, but want to make minor changes, most companies can have their designers do that for you, at an additional fee. It is also possible to have your plans reversed, for instance, if your breakfast nook faces west but the view from the north side of your lot is more attractive, you can reverse it. Many of the sites selling house plans will allow you to see a reversed view, of houses you might want to build.

On the other hand, stock house plans are substantial past drawn designs by a skilled designer or architect ideally of a specific purpose or general use. The question is, why choose a stock plan over a custom drawn plan? It all amounts to various reasons that are discussed below.

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.

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