I want to Build my first home from the ground up once my cr score reaches 780. However, there is very little information on the internet explainging things from start to finish. Has anyone built there home and can explain things to me from start to finish. Also, advise me on things you would’ve done differently. My stated income is 5k per mth and rental royalty 3k a mth. I am a PenFed Member and i am not sure if they provide new conconstruction loans services. Any advice on Credit Union that does. I may need 460k to build my dream home. FICO FAMILY HELP!