Mortgage cycling – build your dream house without changing your mortgage

No matter which house you'll build – storybook house, English cottage home, log cabin home or a Bungalow house – they all have something in common: they'll all require substantial funding, or in other words – mortgage. Now imagine having an extra $40,000 to put down on your dream house or an investment property. Imagine you could build your new dream house in a few years without changing your current mortgage.

Well, you don't have to imagine – the way for realizing your real estate dreams resided in mortgage cycling. I was quite skeptic when I first heard that concept and its allegedly benefits. But believe me, all my hesitations started disappearing once I read

Mortgage Cycling Revealed by the senior mortgage analyst Craig Romero. Romero, a famous author of loans related books, helped thousands of families pay off their mortgage debt early., introduces in his book A New Mortgage
Loophole That Will Quickly Build Your Home Equity and
Effectively Reduce Your Mortgage. I used the method of mortgage cycling when paying off the mortgage I took for my cottage house, and it worked just the way it's described in the book, and in less than 10 years, the mortgage was nothing more than history. If you want to Discover The New Mortgage Super Loophole That Blows Bi-weekly Plans Out Of The Water. Click Here

Some more advantages of stock house desgins

In my previous post, we talked about stock plans. Here are some more information explaining how they make it easier for you build your dream house -

• Besides the huge financial saving, let’s not forget that time you save by purchasing small home plans – rather then hire a designer and wait for months until your plans are ready, you can instantly download them from the website.

• There are so many designers and so many small home plans in the websites that offering them that you can be sure you’ll find home plan that suits your needs and demands on the one hand, and unique on the other hand.

• You don’t have to spend time meeting witch designers. You do it in your free time, specify your requirements. Then you’re presented with several home plans, and you have all the time to think and ask your friends and family which plan is the best for you.

If you want to know about how you can get a true estimation of your house or the house you're interested in. read my post on the electronic appraiser.

Stock small home plans save you money and time

Probably you will build only one house in your life. I’m sure you’ll put most of your time, money and knowledge into it. Naturally, if you can reduce your costs you’ll be more than happy, and if you can do it without compromising your requirements and needs – you can really be satisfied. Buying stock home plans is a good example of it, and you’ll be quite surprise how popular it is. Many of the houses you enjoy looking at (and sometimes even jealous of their owners…) were designed using stock house plans. And you’re not the first one to wonder about that and to ask yourself why you should purchase them - That is exactly what I did a few years ago when one of my best friends suggested me buying house design. Each time I visited him (not quite often, I must say. 150 miles are separating us), I used to be amazed of his home. It looked so beautiful outside and so efficient in its space usage, I was sure he paid architect to design it (and he can sure afford it, trust me). One day, as I told him I wish I could build home like his own, he instantly replied “So go and choose one plan. There are thousands of them. Who do you think designed this house?” At first I couldn’t believe, but when he showed me the blueprints and a website with so many small house designs, I understood that you can use stock home plan to build your dream house, and it’s not just a phrase.The main advantage of getting stock home plans is that they are significantly less expensive than custom home plans. And when I say less expensive, I’m talking about thousands of dollars. Try and look for custom home plan – no architect will charge you less than 5 to 7 thousand dollars, whereas stock home plans would usually cost you no more than $700, and as I always say - small home plan means affordable home plan.Usually you’ll build one house in your life. You want to put all your knowledge, experience and much of your fortune into it. So why don’t you use the experience and knowledge of a professional home designers and architects, that have designed hundreds and thousands of houses, all in a very affordable cost? On my next post, I’ll show more advantages stock home plans have.

If you want to know how you can get a true estimation of your house or the house you're interested in, read my post about the Electronic Appraiser.

Can I find my dream house as one of the stock home plans?

Well, you’ll be surprised. Stock home plans were designed by gathering all the features requested by home builders and owners throughout many years. No matter how many bedrooms you like your home to have, how big your living room you want, and how many bath rooms you wish – there is a home plan that fits your needs. How can I be so sure? Well, first of all, because I looked into hundreds of them over the years, and believe me – there are much more I haven’t look. The companies selling them designed so many of them, so they could answer any potential customer. As I said earlier, they have years of experience of what people are looking for in small home plans. All you have to do is tell them all the relevant details and they’ll come up with several home plans for you to choose. And even if you’ll decide that some modification should be made to the home plan you’ve purchased, you can ask for it, and still it would cost you much less than hiring a designer and the result would be pretty much the same. 

Cottage house plans

affordable cottage house plans

If you’re looking for a cozy house to be your dream house, cottage house plans an most likely fit. Your cottage house can be your gateway home.


When someone tells me he’s looking for a cottage home plan, my first question is “What kind of cottage home?”, since there isn’t one style for cottage houses. Although the English cottage house is the most popular among cottage houses, log cabins and bungalows are rather common as well.The architect and designers offices have years of experience in planning cottages homes, which results in some great home plans. The space is most efficiently used, and it gives you the feeling of a much bigger cozy house. Like most plans, you can customize cottage house plan according to your own taste – maybe adding a garage or a nice balcony.For many people, a cottage house is a storybook house with the enchanting English county style that includes romantic gardens and a fireplace. Many of them you can find as well.Although you can find many styles of cottage houses, they all steel have some characteristic in common:

• Steep pitch roof with gable and shingle, stone or stucco siding.
• One and a half stories with many interior design elements.
• The exterior is rather decorative.
• Cozy, cozy, cozy. Just another word for cottage home.
• The house design is influenced by the local landscape.

There are hundreds on cottage house plans available online – just pick the one that reflects best your dream home. There's is no need to spend hundreds of dollars on cottage house plans. After checking several sites offering these plans, including of course visiting houses built with the plans, I can confidently say that the Cottage House Plans Site gives you the best value for your money. Not only you pay less than $20 for your cottage plan, you get a great plans with a full material list and most important - a step by step instruction guide, that is most helpful for anyone without any building experience. Believe me, I just watch my friend Joe, who never hold a hummer in his life, building a storage shed from this site over the weekend. Yes, you can find there shed plans, cabin plans, deck plans, barn plans and much more - off all sizes, just get the one you need, and instantly download it. You have nothing to loose - they believe in their product so much, you can get refund in 60 days if you're not happy with it. I can't blame them - their plans are so easy to built and address a variety of needs, that there's no chance you'll ask your money back. Anyway, you can rest assured you'll get refund if you wish to.

If you want to know how you can get a true estimation of your house or the house you're interested in, read my post about the Electronic Appraiser.

Small home plans with great opportunities.

Many people prefer building small homes in order to save big money. And I’m not talking only about empty nesters. Since technology has advanced so much in the recent fifteen years, the space usage can be planned so efficiently that many families can really feel at home in their cottage or townhouse and thus save thousands of dollars. There are many types of small home designs, much of them I bet you’re familiar with. I summarized the different kinds and their characteristics so you can choose the right that matches your dream house the most: Beach house plans – it is the best place for you taking the weekend off and get some quality time alone or with your loved one, away from all the pressure and the stress of  city life. Many beach home owners consider it as a vacation gateway. Beach houses are usually one story homes although I’ve seen 3 stories beach houses as well. They are also referred as coastal houses, due to their location near the ocean or a lake. They usually raised above the sand, giving a breathtaking view of the beach or the lake nearby. Some design elements of beach house plans are borrowed from Mediterranean style home plans. Beach home plans usually offer features such as panoramic windows, balconies and plenty of outdoor living spaces to take advantage of the location by  the beach. The houses are built from materials that can withstand the salty air and the tides and winds. There are many kinds of beach house plans. I’m sure when you’ll look into them, you’ll finally find the one that will help you realize your dream beach house.

Small home plans with big size

When you ask someone what's the size of a home, the answer depends on the person you asked. You can hand out house floor plans to two different people, ask them to calculate the plans size, and get two different answers. And they’ll booth be true. Although you're sure the answer objective, it is rather subjective, since different people in the construction industry have different interests and ways to measure your house.  Builders naturally will tell you the house size is different from what county auditors would tell, both numbers are different from the net and the gross size of the home. As you've already guessed, there are several ways to measure the home size. This has a great importance, since the size of your home plan is a great factor of your suture constructing cost, and when comparing two home plans, it's important you'll compare sizes measured the same way. Some home designs calculate the square footage only according to the heated placed, and some include every area that is under roof. Some include the thickness of the walls in the area calculated (gross area), and some don’t, and gives you the net area. Most home designs state how the area was calculates. If this information is missing, you must contact the designer and get it – it has big influence on your building cost. When comparing two building designs, make sure their size was calculated the same way.