Planning to Build a House? Here’s Where to Start

Planning to Build a House? Here’s Where to Start
 

Planning to build a house? Building your dream home is one of the most exciting journeys you’ll take. But if you’re a first-time homeowner, the process might feel overwhelming. There are blueprints to consider, finances to organize, and a ton of decisions to make along the way. 

This blog will guide you through the essential steps of building a house, from financial planning and choosing a loan to finding the best contractors near you. Whether you're designing your first family home in Prairie Village or planning a custom build near Kansas City, these tips will help you get started on the right foot. 

Step 1: Financial Planning – Setting a Solid Foundation 

Before breaking ground, it’s essential to lay the foundation for your finances. Building a home isn’t just about bricks and mortar; your budget plays a huge part in determining what’s possible. 

Evaluate Your Budget 

Start by assessing how much you can comfortably spend. Include the cost of land, construction, permits, and extra expenses such as landscaping or utilities. Don’t forget to factor in unexpected costs. It’s always a good idea to leave a cushion for surprises. 

Secure the Right Loan 

One important piece of the puzzle is choosing the best loan for your situation. If you're building in Kansas City or Prairie Village, look for banks near you that specialize in home construction loans. At First National Bank of Louisburg, we offer tailored mortgage options to help turn your dream home into reality. 

Pro Tip: Check your credit score before applying for a loan. A higher score can help you secure better rates. If you’re not sure where to start, schedule a quick consultation with your loan bank to explore your options. 

Step 2: Choose the Perfect Location in the Kansas City Area

Once your finances are in order, it’s time to choose where to build. The location of your home can significantly impact your quality of life, resale value, and even your monthly expenses. 

Tips for Finding Land 

  • Look into local communities like Prairie Village or areas close to Kansas City for family-friendly neighborhoods. 

  • Consider proximity to schools, hospitals, grocery stores, and your workplace. 

  • Research zoning rules and building codes in your desired area to avoid complications down the line. 

If you’re unsure of where to look, a local real estate agent can be a valuable resource. 

Step 3: Assemble the Right Team 

Building a house is a collaborative effort, and having the best professionals on your side will make the process seamless. 

Find a Reliable Contractor 

  • Look for construction companies with strong reviews and experience in your area. A quick search for "best contractors near me" can help you narrow down your options. 

  • Ask about licensing, insurance, timelines, and past projects during your initial consultation. 

Work with an Architect 

If your dream home requires a custom design, you’ll need an experienced architect. Share your vision, desired layout, and features with them so they can create a blueprint that matches your goals. 

Step 4: Develop a Timeline 

Building a house takes time. Depending on the size and complexity of your new home, the construction phase can last anywhere from 6 months to over a year. 

Work closely with your contractor and project manager to create a realistic timeline. Be sure to factor in potential delays such as weather conditions or permit approvals. 

Step 5: Customize Your Design 

Here’s where things get exciting! Work with your architect or contractor to select fixtures, finishes, and layouts that suit your family’s lifestyle and taste. 

Consider Future Needs 

If you’re planning for a growing family or want to age in place, include features such as extra bedrooms, accessible bathrooms, or ample storage space. Don’t forget to incorporate energy-efficient systems like solar panels or a high-efficiency HVAC system for long-term savings. 

Get Hands-On with Tasting Choices 

Take the time to view samples of countertops, flooring, paint colors, and cabinets before making your final decision. These personal touches will make your house feel like home. 

Step 6: Stay Organized 

Building a house involves a lot of moving parts, and staying organized is crucial. Keep a folder—physical or digital—where you can store contracts, design inspiration, contact information for contractors, and your paperwork for loans or permits. 

Regularly check in with your contractor to ensure the project stays on track, and don’t be afraid to ask questions if something doesn’t make sense. 

Building the Best Memories Begins with the Right Bank 

Building a home is a major milestone, but it doesn’t need to feel overwhelming. With a solid financial plan, a trusted team, and the support of your local bank, you’ll be stepping into your dream home in no time. 

At First National Bank of Louisburg, we’re here to guide you every step of the way. From tailored construction loans to expert advice, we specialize in turning your dreams into blueprints. 

Start Now to explore loan options or speak with one of our friendly team members near Prairie Village and Kansas City. Together, we’ll make your home-building vision a reality! 

Local Bank Serving Miami, Johnson and Cass County in Kansas City


At First National Bank, we serve Miami, Johnson, and Cass County. As a local, community-centered bank, we pride ourselves on excellent customer service. Our range of services includes personal and business loans, checking and savings accounts, CDs, IRAs, safe deposit boxes, and cash management. And if you're in need of more than just a mortgage, we can assist you with home equity, construction, new home, second mortgage, refinance, and swing loans. Visit our convenient banking locations in Louisburg, Stilwell, Overland Park and Prairie Village. Contact us today.