My Dream Home Journey

Since I work for the best modular manufacturer in the business I decided that I am going to set out on a journey and design my dream home. 

I start by answering 10 simple questions about what I want.         

  1. Downsizing or Expanding? - Well personally I am expanding but I think I am at the age to downsize. It is just me and my daughter E and maybe my parents in a few years. NOTE TO SELF: put in an exercise room.
  2. Crawl Space or Basement? - If you live in PA you have a basement. It doesn't mean it has to be finished right away. So I pick a basement or maybe a combination of the two.
  3. # of Bedrooms? 2 to 3 bedrooms
  4. Location of the Bedrooms? I am thinking that guests and E on one side and my bedroom on the other side of the house. She is growing up and I know I wanted my privacy at her age and older. Plus if my parents move in she and I could be on the one side and they could be on the other.
  5. # of Bathrooms? Two.  Only two.  I cannot stand to clean bathrooms!
  6. Style of Home? I am definitely for a one-story. I am drawn to a more modern interior but maybe a little more of cottage feel on the outside.
  7. Traditional Layout or Open Floor Concept? Definitely open floor concept! I love that.
  8. Ceiling Height? I grew up with a family room that has high ceilings and I love it. So maybe in the common area and kitchen. 
  9. Where Do You Spend the Most Time? I love hanging out in the kitchen cooking while E does her homework. And I am a big movie buff so the living room as well.
  10. What about Balconies, Decks, Porches, an Attached Garage? I have never had a garage where my car was parked all the time. I have shoveled, scraped, wiped, chipped, and jumped my car outside since I was in college and on my own. So I want a garage. But it doesn't have to be heated or big. Just to park a car, a bike, and a scooter. As for a patio? Definitely!!!!                                                                        

Here is the original floor plan I found online.  Based on the questions I answered above I will meet with Structural Modulars drafting team to come up with exactly what I want.  Subscribe to my blog so you see what I decide and the steps that follow.  Until next week...Happy Home Building!



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Top 5 Construction Loan Questions Answered


Building a home is a very exciting opportunity to showcase your unique style! With an array of layouts, colors, and finishes to choose from, the least of your worries should be how you will finance it. Listed below are 5 of the most common questions you may have regarding the construction loan process, answered by Lending Professional, Melinda White with The Farmers National Bank of Emlenton:

  1. Do I need to have a 20% down payment to apply for a construction loan?
    No; Farmers may finance up to 90% on construction loan requests. 
  2. Will the land I plan to build on be included in the construction loan amount?
    It is up to you! You may own the land prior to construction or you can purchase the land as part of the total construction loan package. If you own the land outright, this may, in some cases, be used as part of your equity, or down payment for the loan.
  3. How many closings take place during the construction loan process?
    One; Farmers National Bank only has one closing, prior to the start of construction.  The amount requested and approved for the construction loan remains the same. 
  4. Will I have to pay the principal and interest during the construction phase?
    No; We have an average construction period of six (6) months, during which time the borrower will only pay the interest on the amount that has been used for construction.  At the end of the six-month construction phase, the loan will then proceed into regular principal and interest payments.
  5. Am I able to apply for a construction loan if I am building the home myself?
    No; Construction must be completed by a general contractor who is licensed and insured.  We are not able to finance owner/builder homes.

For more information about the mortgage process, visit or contact Melinda White at 844.226.7523.

Mortgage FAQs: 
Apply Online:

Equal Housing Lender, Member FDIC

About The Farmers National Bank of Emlenton:
The Farmers National Bank of Emlenton is an independent, nationally chartered, FDIC-insured community commercial bank headquartered in Emlenton, Pennsylvania, operating 17 full-service offices in Allegheny, Butler, Clarion, Clearfield, Crawford, Elk, Jefferson, Mercer, and Venango Counties, Pennsylvania and Hancock County, West Virginia.  The Bank is a wholly owned subsidiary of Emclaire Financial Corp (NASDAQ: “EMCF”). For more information, please visit the website at or call 877-862-9270.

Melinda White
ABOUT THE AUTHOR | Melinda White
Melinda White is a Lending Professional with The Farmer's National Bank of Emlenton.

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