Free mortgage advice with our housebuilding story

This is some free mortgage advice we included with our story that explains the housing financial crisis and how to avoid severe debt.

home builder

This is advice about building your own house personally. It doesn’t tell you how to find a contractor to do the work for you. This web site gives you the step-by-step process how to do everything by yourself and reveals all the amazing advantages that hardly anyone knows about in this day and age. It’s my passion to teach everyone I can about what I’ve learned in the area of house building and the high cost of hired labor. This is good advice. So, let’s get started!

We all want to live in nice homes, but not all of us can afford to. Sometimes, our incomes don’t exactly match our ambitions for fulfilling our hopes and dreams. My wife and I realized that very thing a few years ago when we wanted to stop throwing away rent money and become homeowners. We had very few options because of our low income.

After a couple years of research and careful planning though, we decided to build a house completely by ourselves. With very little carpentry experience, the task was challenging yet unceasingly rewarding. It was also a lot of fun. We learned some extremely important tricks on how to save on labor costs which makes this whole thing possible. It’s excellent mortgage advice.

Even people with low incomes can have nice homes. Once our home was finished, we had more than 50% equity because of our own labor. That is typically a point that takes most homeowners close to 20 years of mortgage payments to get to. Not only did we have a nice home, but we also had a powerful financial tool to help us out. Let me explain.

home plan

In our modern day, it’s very common to borrow every penny to pay somebody else to build a house. Anymore, with such easy financing, usually even the down payment is borrowed money. Once the house is finished, the owner moves in with hopes of being able to make every payment each month for thirty years. Many sacrifices have to be made to make those payments. It’s good idea to keep houses affordable.

Otherwise, soon the homeowner realizes that he or she is the property and the house is the owner. I’ve seen many people working day and night just to pay for a home they couldn’t afford.

I don’t share that point of view. Life is fun and wonderful and it needs to be enjoyed. A house needs to enhance our lives and comply with our lifestyle.

My whole purpose for making a book on house building is to give people great life changing advice and pass on what I have learned about the cost of labor and how we can save hundreds of thousands of dollars in the long run by doing the work ourselves. Each time we add a part to our house it’s building not only our house, but also, its building equity in our own pockets. On the other hand, when someone else builds that part for your house, they are building debt for you.

flex money

If a person decides to build a house without help from contractors, that person will own more than half the house because of the labor costs saved, once the project is done. From that point, if the owner needs to borrow against the equity, tens of thousands of dollars will be available for anything that person needs. A good idea anymore, is to open a revolving equity line of credit. This is basically a second mortgage, but it has a credit limit like a credit card, yet has low interest and a long pay-off schedule. This is a good source of security if times get tough. Once this equity line of credit is open, the funds can be used for whatever purpose regardless of employment status or credit worthiness. This is good free-mortgage-advice. This is how you make your home enhance your lifestyle. This is a home that is an excellent financial tool. That is how it should be, but most of the time, it’s not like that at all.

I have always wondered why more people aren’t doing the same thing that we did. That needs to change, but before we can change anything, we need to consider why people allow themselves to be kept in the dark about so many things. We need to ask ourselves, “Why do we believe it when others tell us we can’t succeed?” Here’s my two cents on that matter.

falling money
It seems that the vast majority of human beings accept life for what it is and try to live according to either the opportunities or misfortunes placed before them. This is evident when you consider that most of the inhabitants on this planet are living in poverty while allowing a small number of more fortunate individuals to rule over them. The rich and powerful would prefer to keep it that way and as long as greed and selfishness exist in the world, the segregation between rich and poor will continue to increase. As a matter of fact, if the wealth of the world was distributed evenly among the seven billion men, women, and children, all would be able to live a life of comfort and prosperity that can’t even be imagined by many. There is that much wealth in the world, plenty for everyone.

The text written on these pages won’t solve world hunger, nor will it unite all mankind in a spirit of brotherhood, but the mortgage advice given can help some low and middle income workers create a better standard of living in these difficult times.


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I just wanted to say that I love your website. My husband and I followed your instructions on building our own home. Most of the work we did ourselves, but not all. We saved $90,000 in labor costs and now have a beautiful home that we own.

--Sue and Les Carrigan, Draper, Utah

I built my own home doing all my own labor. My house costs me around $70,000 for materials. It took me 8 months to build and is about 2,000 square feet. I didn't think I could do it, but your house web site encouraged me. I used all the info you had.

Thank you,

Benny Luis Lopez,

Gainsville, Florida

I can't thank you enough for your free information web site about home building. I was looking for Electrical wiring diagrams when I found your site. It was very helpful.

Steve Lundquist,

Little Rock, Arkansas

My wife and I lost our home to foreclosure but we kept a plot of land to start over. We are halfway through the construction of our house. Your website gave us hope to start over and build a house with low payments. We are in our late 60's but we find it rewarding to put so much effort into a project that will reward us for years to come.

Name respectfully withheld