When using dowels, select a size half the thickness of the wood being joined. For example, for 3/4-in. stock, consider 3/8-in. dowels.; for 7/8-in. stock use 7/16-in. dowels. The length inserted should generally be three times its thickness. Thus, a 3/8-in. dowel should be about 2-1/2 in. long to penetrate into each member 1-1/4 in.
Lenders now offer several affordable mortgage options, which can help first-time homebuyers, overcome obstacles that made purchasing a home difficult in the past. Lenders may now be able to help borrowers who don’t have a lot of money saved for the down payment and closing costs, have no or a poor credit history, have quite a bit of long-term debt, or have experienced income irregularities.