[CapnJack]

All I want to know after reading this mombo-jombo is ...
should I plan on building my new home in Florida later this year and take our a HELOC to do so?

Or wait a few more years and hope the price of materials drops like a rock?

The other factor is ... will I be around in a few more years? I have a lot more yesterdays then tomorrows.

[blam]

Can't answer your questions, Good luck though.

Going to Florida (or Texas) is probably a good idea.
NW Florida.