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    the total amount you plan to spend.

    You've probably gotten a mortgage for a home purchase at some time, but getting a loan for a construction project is a different process. It is much more involved

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    Is a new, custom-built home in your future?

    Are you finally ready to live in a home designed especially for you, with all the features you've dreamed of, all the colors and textures you love, and rooms exactly the right size to fit your lifestyle?

    If you have more money than you can spend, this article is not for you. If you're going to finance a portion of that new home, it is -- because choosing your lender should be your first step.

    To begin with, after you've visited with your lender you'll know how much you can spend on your house. That will affect choices all the way from the lot you'll build on to the square footage of the house -- and the choices you'll make for all of the finish materials.

    If you've chosen a contractor, he or she will be able to give you some guidance based on the total amount you plan to spend.

    You've probably gotten a mortgage for a home purchase at some time, but getting a loan for a construction project is a different process. It is much more involved

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    ms exactly the right size to fit your lifestyle?

    If you have more money than you can spend, this article is not for you. If you're going to finance a portion of that new home, it is -- because choosing your lender should be your first step.

    To begin with, after you've visited with your lender you'll know how much you can spend on your house. That will affect choices all the way from the lot you'll build on to the square footage of the house -- and the choices you'll make for all of the finish materials.

    If you've chosen a contractor, he or she will be able to give you some guidance based on the total amount you plan to spend.

    You've probably gotten a mortgage for a home purchase at some time, but getting a loan for a construction project is a different process. It is much more involved

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    ng your lender should be your first step.

    To begin with, after you've visited with your lender you'll know how much you can spend on your house. That will affect choices all the way from the lot you'll build on to the square footage of the house -- and the choices you'll make for all of the finish materials.

    If you've chosen a contractor, he or she will be able to give you some guidance based on the total amount you plan to spend.

    You've probably gotten a mortgage for a home purchase at some time, but getting a loan for a construction project is a different process. It is much more involved

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    ll build on to the square footage of the house -- and the choices you'll make for all of the finish materials.

    If you've chosen a contractor, he or she will be able to give you some guidance based on the total amount you plan to spend.

    You've probably gotten a mortgage for a home purchase at some time, but getting a loan for a construction project is a different process. It is much more involved

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    the total amount you plan to spend.

    You've probably gotten a mortgage for a home purchase at some time, but getting a loan for a construction project is a different process. It is much more involved.

    Along with choosing a company with reasonable fees and costs, it is vital that you choose a loan officer whose personality blends well with yours. You're going to be working closely for a while, so make it as pleasant as possible.

    First you'll go through the normal process of qualifying for the loan -- that's the easy part.

    Next comes the appraisal. You or your contractor will be required to fill out forms supplied by the lender that outline every detail of that new home. Get those forms and give your contractor a copy just as soon as possible, so that he can be prepared to break down his costs in accordance with the mortgage company's guidelines. If he knows what they want ahead of time, it will save him time later.

    You see, while you're making choices regarding the brand names an

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