Put the Home of Your Dreams on
the Land of Your Choice

Land/home packages provide financing for your home, your property, and the development of your home site. They offer you a home with relative ease and much less of the cost and headaches involved in on-site building.

Determine your needs
Get professional advice
Negotiate the purchase

Determine your needs

Before looking for land, ask yourself:

- How much money can you spend on property?
- What kind of land do you want? Flat or hilly?
- Cleared or wooded? View or no view?
- Do you want several acres of land, or just enough for a nice yard?
- What general area and school district do you want to live in?

Get Professional Advice

When you have found the property you want, have a home retailer inspect the site. He or she can advise you whether the lot is large enough and can offer suggestions on different ways of placing your home on the property.

Bring in a general contractor to estimate site development costs. The bid should include such things as:

- clearing, grading and disposal
- footings
- water supply
- sewer or septic system
- power
- road access

Negotiate the purchase with the strength of information

With a land/home package, when making an offer on land, remember you are a "cash" buyer. The sellers will not have to hold a contract on the property - your finance package will cash them out at closing. Sometimes that can translate into a discount on the cost of the land.

It is important to negotiate the purchase with good information, such as:

- can you obtain an installation permit on this site?
- are the site-improvement bids from the general contractors acceptable?
- does your financing package cover all aspects of site development and - home installation?
- is zoning appropriate to your development plans?