Clarence Hawkins goes by the name of Hawk, and he's a big guy with a big vision for his first place. Although he'll be living with his girlfriend Angie, he's determined to finance the house on his own. Looking in the $400,000 range, the happy couple knows their biggest challenge will be agreeing on a house, and they start searching even though Hawk hasn't been pre-approved for a loan. After losing out to a higher offer on one property, they decide that they can custom build for much less money. However, once construction is underway, Hawk learns that he can't get 100% financing which sets yet another new plan in motion.