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Why do this, since even stock plans cost you at least a couple of hundred dollars each? Because the right stock plans can save you tons of time and money if you have a talented architect. Most plans are at least partly modular these days, and often you can even order prefabricated sections pegged to a specific house plan.

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."

Complimenting your lifestyle : Before delving into the thousands of plans available today, evaluate your current living situation. Look around and ask what works and what doesn't. Consider which features matter most to you and which floor plan best accommodates your family's lifestyle. "Does the floor plan live the way you live?" Martin asks. Are you an empty nester who's ready to downsize? A single-level ranch home might be your answer. Is this a house where you expect to raise a family? Check out plans that feature great communal spaces as well as a private master suite. Would you live outside 12 months a year if you could? Pick an airy floor plan with plenty of porches and more windows than wall space.

Study Set - This type of home plan includes complete exterior views of your home to be plus floor plans of the upper and lower floors (for two story homes). A study set is useful in helping you determine if you can afford the home you are considering building. Usually excluded from a study set are items such as the roof, foundation and details of the home.

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