Buyer Special Report Nail By Nail: How To Build A New Home We'll help you investigate and learn about a home loan: • The best home loan programs for new homes. • The lowest closing costs and lowest interest rates on new home loans. • The best construction loans. • You'll learn exactly how home loans work and how much you can afford. • You'll be "pre-approved" for a new home loan by the lender of your choice. How much do I want to allocate to land and the home itself? • Example: If you qualify for a $250,000 home including lot, you might choose to allocate $60,000 for a lot and $190,000 to the home. • We will then provide you with all of the information on every lot available for $60,000 and under in the areas that you want to live. Then, it's on to floor plans. Here's what's next: • We'll provide you with access to sample floor plans to stimulate your imagination. • We'll help you narrow down the general style and size of home to fit your budget. • We'll help you get preliminary quotes from builders to give you a general idea of the cost of the plans you like. Securing the land: when you tell us which building site that you like, we'll: • Help you prepare an offer on the property of your choice. • Present the offer to the owner on your behalf. • Negotiate in your best interests to help you get the best buy. Fit your house to your land – we'll help you:  • Obtain final bids from the builder. • Obtain final loan approval for your construction loan and permanent home loan. Begin Construction!!   Copyright 1998-1999 By Referral Only, Inc. This document is protected by international copyright laws. All rights reserved.