You are finally going to build your dream home. Don't just call a builder. There is work to be done before you make that call.

Building your dream home is a big step. It is a huge investment that should give you dividends for a long time. It should have the amenities you want and MUST make you happy. You worked hard to be able to afford it and you want it YOUR way.

The first step is deciding what features you want in your new home. Include your partner and children in the decision making process. They are going to be sharing in this experience and living with you. This home belongs to everyone. Write down everything you want in this new home. Don't forget the outside and the landscaping features as well.

The next step is deciding what features are absolutely necessary. What features MUST be included in order to make the house livable under current circumstances. But also consider the near future, especially if the family may be expanding: ie: another child, a parent coming to live with the family. Perhaps now is the time to include that 4th bedroom, and extra ½ or ¾ bathroom.

Now you know what you want and also what you need to be comfortable. Now comes the fun! Bundle the family into your car and drive around some of the subdivisions. Choose the area in which you want to build and see just what types of homes are being built. Don't forget, if you don't see a plan you like, you have the options of choosing your own design. Check out the model homes. These are built specifically for public viewing. You will also see houses at various stages of construction. If job site workers are present, ask them if they will allow you to walk through the house. There are safety issues to be considered, but ask to look around.

By viewing these homes, you can start to get a feel of the place, the floor plan, visualize your ideas, and the completed project. Remember, at this point you are still looking, so don't be swayed my high-pressure tactics.

It is now time to determine if the plans and ideas are financially feasible. This project should not be so debt- inducing that the house becomes a burden. Contact several financial institutions regarding the different types of loans available for building a new home. Avail yourself to as much money as possible, without exceeding your financial limits.

In addition, make a list of builders that you would like to consider. Ask friends, relative, get names from signs in the subdivisions. Maybe you know a realtor or two who will give you names. You should be able to come up with at least 5 different companies.

Then investigate each one of the companies.

1. Call the Better Business Bureau. They are a great source. They keep records of contractors and businesses that have had consumer complaints filed against them. They will NOT give you opinions, only facts.