Construction Services

Home Construction Loan – Exactly What Does Your Bank Want?

One quick call should do it. You’ll just go to your banker and because of your great relationship; she’ll set you up with the construction loan you need to build your home. Now, where’s that “easy button”?

Okay, maybe you don’t think it will be that easy, but surely it can’t be all that worrisome, right? The construction loan is a unique animal. Not many lenders are adept at it and many lenders won’t even touch it. It takes some real experience and good management for a lender to control it and make a profit.

Just What is a Construction Loan?

The home construction loan funds your home building project. It’s viewed as a risky proposition by the lender. They are being asked to fund a promise. All loans are a promise to pay, yes, but a construction loan is a promise to pay without much collateral. There is no home there to repossess if it isn’t completed. Not something all banks are eager to participate in.

These loans can be profitable for lenders but they must reduce their risk as much as possible before they commit. It’s this risk reduction that makes them seem so picky about their qualifications standards.

Here’s what you should be asking your lender before you plow ahead with your homebuilding plans. Their answers will enlighten you about their requirements.

  • Will they accept you as an Owner Builder or require a licensed contractor?

Be sure that your banker knows what your goal is. Are you a true owner builder? Will you be hiring a General Contractor? What is their policy on owner involvement?

  • Does your bank screen the contractors for approval?

Many banks and other lenders will have the last word on the builder or General Contractor you use. Others that allow Owner Builder programs will likely require a Home Building Coach. How do they approve them?

  • What kind of equity does the bank require you to have first?

Will your land need to be free and clear of any loans or encumbrances? Will you be required to put additional cash into the project?

  • Do they use a “builder’s control” system for paying bills?

How is the money disbursed throughout your home building project? Will you be in charge of the money paid out? What will the paperwork be like? How much will this cost to administer?

  • Will you be required to make construction loan payments?

If you do not make loan payments on your construction loan along the way, how much interest reserve will you need to include in the loan?

  • How many months is the construction loan term?

Home building construction loans are typically very short term loans. They range for six to 12 months on average. What is their policy if you end up needing more time? More explained here:

  • Will the loan automatically roll over into a 30-year mortgage?

You can see from this that it’s important to start this conversation early. There are many hoops to jump through and it’s an ongoing process. You may not be able to proceed exactly the way you envisioned.

Finally, getting a loan to build your dream is just part of the reality of getting it done. My advice is to go with the flow and provide your banker with what she needs. She wants to get it done too! Just be sure to communicate well. Ask questions and understand the reasons for the requirements. It’ll make life easier for you even if you’re operating without that phantom “button.”

Construction Services

What Is The Open Wall Construction Technology?

Open wall construction is not limited to a single technique. The theories and principles behind the construction are unique, but the design uses existing methods and materials to allow for complete flexibility.

Methods discussed later describe only one of a number of design models created, and provides examples of the applications, which should be modified to meet local codes and personal preferences.

Wrap and Strap Open Wall Construction

This method is ideal for tradesmen because its application is simple, and the buildings thermal envelope can easily be maintained. It consists of a primary shell, which is the buildings structural skeleton, being constructed with standard platform framing techniques. The entire building is then wrapped in polyethylene, and then a second non-structural skin is attached to the exterior, which is insulated and finished. This type of open wall construction is used to retro-fit existing two by four constructions into super-insulated, air tight homes.

Platform Open Wall Construction

Platform construction methods require that the framing carpenters perform not only the structural framing, but install the windows, doors, insulation, air/vapor barrier, exterior moisture barrier and sometimes exterior finishes when used in paneled wall sections.

This method has been utilized in the pre-manufacture of exterior walls in sections which are handled by four workers easily. It is very effective for consumers, not familiar with structural design, but who wish to erect their own homes. It is also a much quicker method because the building can be factory built elsewhere, shipped, and erected with the vapor barrier, insulation, electrical, interior finishes, windows, doors and siding already installed. A unique ability of this method is the capability of the structure to be disconnected and moved in sections. This would have ideal applications for modification and additions, or to perform panel repair/replacement.


When building the foundation wall assemblies, it is important to use proper materials and consider the use of a raised, compacted sub-footing. Whether using a granular sub-footing, a full height concrete footing or a footing and sub-foundation to elevate the wall assembly, the foundation panels cannot be backfilled more than three and a half feet. Any more than this and the structural integrity of the wall will be compromised.

Finishing the wall by installation of the pressure treated plywood foundation cover and/or siding is then done. The plywood foundation paneling must be installed with the joints staggered against the underlying foam board. These panels are fastened with exterior screws, spaced eight inches around the edges, and ten inches within the interior area.

First Floor Walls

In design, it is important that if you do not use tie straps to hold the sections together, then the upper and lower sections should have overlapping plates to prevent separation. Also, depending on the particular design, the floor may have to be installed before continuing. It is recommended to install floors before continuing for this gives the carpenters a level area to construct the upper walls on and supports the exterior foundation.

Windows and Doors (exterior openings)

Probably the trickiest area to seal against infiltration and exfiltration. Although the area around the opening could be sealed with expanding foam, by pre-installing the windows in frames with a perimeter gasket, less work and material is required.

Interior Floors

Because open wall construction relies on continuous wall insulation between stories, the interior floors in this method must be designed to remain within the building envelope. Utilizing overhanging walls, wider lower wall sections or ledger strips, the interior floors can be supported on sufficient bearing. Floor assemblies can be joists, truss floors, wood I beams or any other type of framing material.


Open wall construction was designed for use with truss components, but by strapping over ceiling joists, the same results can be obtained. For effective design, overhangs should be completely eliminated. They are costly and require extensive labor to complete. Roof edges should have angled fascia (called knife edging) to allow enough overhang to prevent excess run off from running down walls. Simple “two by” fascia, lapped over wall siding can be trimmed or painted in many colors and still provide adequate visual separation from the roof. By lapping the fascia over the siding gravity water cannot enter into the buildings wall cavities. But remember to leave enough screened eave area, to allow for adequate attic ventilation. Gables should also be completed with knife edging and reduced overhang. Sheathing and roofing materials are applied as per current building techniques.

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Construction Services

Choosing a High Quality Sub Floor Construction Adhesive

There are many things to consider when it comes to high quality sub floor construction a really nice place to spend time. One of the most important things that you need to decide, is what kind of construction adhesive you will install, as this will have a major effect on the way your sub floor looks overall. This article will take a look at some of the different types of sub flooring and some considerations that need to be borne in mind before making a purchase decision.

When it comes to building a house or renovating your existing home, it’s important for you to make sure that you have stable and solid flooring. Floor creaks are an inevitable consequence of a poorly constructed sub floor and choosing a low quality sub floor adhesives. Whether you plan on installing wood flooring or tile flooring, an excellent sub floor adhesive ensures well-set floors for your home.

Why choose sub floor construction adhesives

Before construction adhesives were formulated to aid in a variety of construction projects, most carpenters and professional wall and floor installers accomplished their jobs merely through the help of nails and screws. However, nails eventually would work loose and screws are not designed to work well with every kind of surface, including tile floors and tile paneling.

Construction adhesives, on the other hand, ensure a sold fastening system, bonding two surfaces together without relying too much on the nail or screw method. While there are flooring projects which do require the use of screws to ensure a more solid bond, thereby reducing floor creaks, the use of a top quality product eliminates stability problems early on. Many of these are also designed to work from one season to the next, and to withstand extreme changes in temperatures. These work to provide long-lasting bonding performance, whether for flooring or wall paneling purposes. Flexible and durable, these fastening products may be used both for interior and exterior construction projects. Find out more tips here:

Buying a sub floor construction adhesive

Durability and reliability are important factors in choosing a subfloor construction adhesive. You will need to choose an adhesive that can guarantee a durable bonding mechanism for all your projects especially on surfaces that require hard-wearing adhesion. An excellent adhesive should have the ability to bridge gaps, so that stress is evenly distributed and strength and bonding abilities are not compromised.

When you’re doing a wide range of construction and bonding projects moreover, it pays to choose a product that is built for flexible purposes. While some sub floor adhesives are built only to work with wood or tiles, some of the most reliable ones are also ideal in fastening polyurethane foam, ceramic tiles, and even fiber glass.

The Nail Power Low VOC Sub Floor Construction Adhesive is a durable, reliable, and flexible construction adhesive which is made to suit a variety of indoor and outdoor bonding applications. Formulated to last and to work well with a variety of materials, from wood to tile to trim moldings, what you have a superior construction adhesive that works as hard as you do.