How Do We Finalize Our Home Construction Loan?

Reader Contribution by Jennifer Kongs
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The Small Home, Big Decisions series follows Jennifer and her husband, Tyler, as they build a self-reliant homestead on a piece of country property in northeastern Kansas. The series will delve into questions that arise during their building process and the decisions they make along the way. The posts are a work in progress, written as their home-building adventure unfolds.

A funny thing happened to us last week. We were told we could borrow a sum of money that is larger than I can imagine. I tried to envision it all stacked up in neat rows, and how much space it would need. I couldn’t. But, that’s just as well — we are imagining instead the walls, roof, flooring, driveway, drilled well and built-in root cellar that will make up our future home. We’re envisioning the tangible outcome of borrowing money from the bank.

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