i have tried to locate info on usda home loan program, as a first time home buyer. I cant find an honest answer or realistic. All im trying to do is either buy land and build in 2yrs. Or try to locate an area that has already newly build farm style homes. i reside in florida. I have located a mortgage firm that does construction and land all in one loans.? But I cant get an answer if going that way, does that mean the payments i make how much will be put to the construcion or home loan pay back.. ?? I would like to own the land. I spoken to several realtors, chats, bankers, lenders, etc. i cant get a straight answer unless i apply a new applicaiton. NOT!!!!, i just need info before i put my personal or get stuck.. whats the best way to get a newly build farm style home (without farming) with a usda loan? Is it best to go with a banker, or lender? Good Luck to you all. Merry Christmas.

--Passive solar, ventilation and daylighting strategies: Passive solar strategies are simple, economical strategies for working with the daily sun cycle during the four seasons, so as to keep hot summer sun and temperatures from entering the house, while permitting the warming sun to enter the house during the colder winter season. Cooling natural breezes and ventilation strategies are also easy, but important to consider. The same applies to daylighting strategies. It takes very little to take advantage of these strategies if site selection and house design include them from the outset of the project. For example, aligning the long axis of the house facing south and the short axis facing east and west, maximizes natural light and minimizes glare and heat gain. Properly designed roof over hangs, trellis or arbor designs, combined with appropriate sized and positioned operable window selection will greatly enhance the livability of a home, at minimal costs, and will make a substantial improvement in day-to-day comfort, livability, utility and operating expenses. --Terrain, drainage and soils conditions: Surprisingly, many consumers do not understand or recognize some simple, but highly influential factors when viewing a potential piece of property. Some of these factors are: 1) Terrain: Flat terrain, for example, is the easiest and least expensive on which to build. Downhill sloping lots are often easier on which to build than uphill sloping lots. In general, avoid uphill sloping lots. 2) Drainage: Even land which appears flat has surface (and perhaps subsurface) drainage patterns. Avoid building in natural drainage areas (especially flood plains), and always ensure finish grading which channels surface water far away from the perimeter of the house. 3) Soils: Many sites may have soil conditions which include substantial portions of clayey or expansive soil materials. Expansive soils are potentially dangerous, and may often cause cracking and movement of the house’s foundation and interiors. If one suspects property has expansive soils, always use a geotechnical engineer to test the soils and make recommendations for proper foundations given the existing soil conditions. This is particularly true for hillside sites. Never buy or build on a site which has received loose fill materials. Loose, uncompacted fill materials have unpredictable bearing capacities and tendencies for movement when wet and saturated. Such sites can be disasterous! --Other site features: Many consumers fall in love with a particular property, for a variety of good reasons—views, natural vegetation and trees, privacy, family history, the opportunity to finally raise chickens and goats, etc. All of these features are fine, but always do your due diligence first and carefully review all of the criteria above before falling in love with a piece of land. Remember, a house cannot be any better than the land on which it’s located.

That is all correct. The upward-curved vine tip will occur when the vine is growing along the ground, because when it encounters a vertical surface it is positioned to take advantage of it. The same curve will happen when it grows past the top of the vertical surface and is hanging in space because it is still seeking a vertical orientation. If it were to grow straight on the ground and in the air, it would pass the tree or vertical surface instead of attaching to it and climbing it. A straight orientation hanging in the air would put it on a trip back to the ground. This plant is programmed to climb. If it grows on the ground, its leaves are small, and its tip is curved upwards. It grows small leaves to support its growth and focus all of its energy towards elongation. Internodes are long, and it is REACHING to find something to climb. When it encounters a suitable surface and attaches, it has achieved mission number 1. Leaves get larger, and the vine thickens with each new leaf. Internodes get shorter, the tip straightens because it is vertically oriented and attached. If the tip curved now, it would launch itself out into space and defeat mission number two, which is reaching the canopy, where it can get the premium quality light. Right now it is putting all of its energy into growing large leaves, large vines, and large aerial roots to grip its host. It is happy in this position, growing the largest, most robust leaves and vines that are simply not achievable without being attached. It is still reaching (upward), but not with the same desperation. Its needs are being met while it pursues mission number 2. If you were to pry the tip away from its host, each new leaf will grow smaller, the vine will grow thinner, the internodes will lengthen, and the tip will curve toward a vertical orientation. Now it is again in reaching mode, elongating desperately in search of a new host. Now I am not a botanist, and i havent read any books on the subject. I learned this by observing its behavior when i encounter it. Maybe someone that has some botanical training can confirm or correct my hypothesis.

Were when? 2019-2020? The cost of lumber is lower than 2021 but will remain significantly higher than pre covid as will all other inputs. Expect >$300 but check locally with those builders. Overall costs typically surge and plateau but rarely decline overall. Don't confuse fluctuating sales prices of tract homes with the cost to build a custom.