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American Log Mortgage
Div. of First National Bank of Chester County
877-BANK-AHB
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- Planning for a Log Home -
How do I evaluate prospective sites?

There’s an old carpenter’s saying: “Measure twice, cut once”. This concept is very applicable to evaluating a possible home site. It pays dividends to bring an architect or designer with you. It’s well worth the coordination and cost. You'll need accessibility to utilities, water and sewer or septic. Be sure the property has deeded access to a road.

If the land is subject to a homeowners’ association, make sure the association allows log construction. Consider the grade, drainage, exposure to wind and exposure to sun in your preliminary evaluation

log mortgage page graphic
log mortgage page graphic
How important is the location of my log home?

Ask a realtor the three most important things about real estate… and you’re likely to hear “Location, Location, Location”. It’s the most important thing about your log home.

Here are some location considerations:

What is the distance to Work? Schools? Shopping?

What are development plans for the area? Is the next Wal-Mart Superstore going to be your neighbor? Check with the county planning board, township or other municipality to see if a master plan is on file for the area you are considering. Check the zoning, if any.

Is the terrain suitable? Is there adequate drainage? Can you site the house without cutting too many trees or vegetation? What are the views from your planned site?

Check out the availability and cost of utilities. You have to pay to have electric or gas run to your site from the nearest line. This expense can run into thousands of dollars if your site is too far from the nearest service.

Will you use sewer or septic system? Are municipal sewer lines nearby? Will you have to install your own system? If the land has good percolation characteristics, a septic tank and drainage field may work. Be certain to percolation test to determine soil conditions, which then determine the size and design of the septic system and drainage field. If the land does not "perk" satisfactorily, you'll have to install a more expensive system to handle waste treatment.

Will you use a municipal water supply, or must you dig a well? The cost of a well depends on the depth and type of ground and rock that must be drilled through.

log mortgage page graphic
log mortgage page graphic
Looking for land

A good start is with a real estate agent who has some experience with land sales. Make sure your friend, co-workers and relatives know you’re looking for land. Sometimes a Sunday drive can uncover the perfect location. Your log dealer and chats with other log homeowners in the area may also be helpful.

It is also helpful to buy land before you actually commit to your log home. Many people have purchased their land a year or more before building their log home. If you’ve found the perfect lot, you can design the perfect log home within the site. Land is getting scarcer, and that perfect lot may not be available next year. Finally, a few progressive banks will allow your land to be your down payment.

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log mortgage page graphic
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